We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Whether you’re looking for comprehensive protection or just a basic level of cover, Westpac Car Insurance offers a range of policies to help keep you on the road. With two levels of cover available, Westpac provides flexible policy options, the freedom to choose your own repairer and 24/7 online claims lodgement to help you get moving again as quickly as possible.
We don't currently have this brand on our panel. But don't fret! You can head to the Westpac Car Insurance website or compare a bunch of other car insurance companies with finder.
Westpac Car Insurance’s comprehensive cover offers cover for loss or damage caused by accidents, fire, storm, theft, vandalism and more. Authorised repairs are guaranteed for as long as you own the car, while new for old replacement is provided if your vehicle is less than two years old and is a total loss. Other benefits include cover for emergency repairs and personal items, while you can also take advantage of up to $20 million liability cover when you cause loss or damage to someone else’s property.
Third party property damage
The most affordable of Westpac’s Car Insurance policy options, third party property damage provides protection for up to $20 million of legal liability when you’re involved in an accident that causes loss or damage to someone else’s property. In addition, cover is also available if your car suffers loss or damage in a no-fault accident with an uninsured vehicle.
Covers accidents, fire, theft, storm, vandalism and more
New for old replacement, where possible, if your vehicle is a total loss (it needs to be less than three years old from when it was first registered)
Eligible safe drivers can save up to 15% in the first year when buying a new policy online (discounts will vary based on what you're eligible for and your circumstances)
Westpac may allow you to choose your own repairer
Authorised repairs guaranteed for as long as you own the car
Optional windscreen cover
Up to $20 million liability cover
24/7 claims support
Flexible premium payment options
Up to $20 million legal liability cover
Cover for uninsured motorist damage up to $5,000
24/7 online claims lodgement
Flexible premium payment options
14-day cooling off period
What won't be covered?
There is no cover available for a claim under your Westpac Car Insurance policy if:
Your car was being driven by an unlicensed driver or someone whom the insurer has declined to cover
Your car was being driven by someone who was under the influence of alcohol or drugs
Your vehicle was carrying more people or a larger load than the legal limit
Your car was being driven while in an unsafe or unroadworthy condition
Your car was being used to carry passengers for hire, fare or reward, excluding ride share
Your car was being used for any motor sport or a driver education course involving speeds greater than 100km/h
Your vehicle was being used in connection with the motor trade for demonstrations, experiments, tests or trials
Your vehicle was subjected to a deliberate, intentional, malicious or criminal act by you, anyone named in the policy schedule, or anyone else acting with your consent
It is for any loss of use of your vehicle
It is for tyre damage caused by braking or road punctures or bursts
It results from the lawful seizure of your vehicle
It is for loss or damage that occurs after an accident, theft or breakdown unless you have taken reasonable steps to protect your vehicle
Your vehicle was stolen after you left it unattended with the keys inside
It is caused by the failure of computer equipment
What excess will be charged?
You will usually have to pay an excess when you make a claim on your policy. The following excesses may apply:
Basic excess. The first amount you must pay on each claim. You may choose to vary the basic excess to change your premium, or if the insurer imposes an additional excess due to high risk factors.
Age excess. This excess is payable when you make a claim for an incident that occurred when your vehicle was being driven by someone under 25 years of age.
Undeclared young driver excess. If you make a claim for an accident that occurred when your vehicle was being driven by someone under 25 years of age who was not listed on your policy schedule, you will need to pay this excess.
Theft excess. This excess is payable when you make a claim for loss or damage caused by the theft or attempted theft of your vehicle.
Driver excess. A special excess may apply to specific drivers listed on your policy.
Unnamed driver excess. If you choose the Named Driver option, this $2,500 excess applies when you claim for an accident that occurred when your car was being driven by someone who is not listed as a Named Driver on the policy schedule.
How can I save on my policy?
There are several steps you can take to lower the cost of your Westpac Comprehensive Car Insurance policy, such as:
Choose a higher excess. By adjusting your excess to a higher amount, you will be rewarded with a lower premium.
Buy online. Eligible safe drivers can save up to 15% in the first year when buying a new comprehensive car insurance policy online.
Cover named drivers only. You can also lower the cost of cover if you select the Named Driver option and name your drivers on the policy.
Making a Claim
If you need to lodge a claim on your Westpac Car Insurance policy, you can claim online at any time. A phone claims service is also available if you would prefer to be talked through the claiming process.
You’ll need to have your policy number ready when you make a claim, as well as details of the incident that occurred. Gathering details from any other drivers and witnesses involved in an incident, as well as obtaining a police incident report number where applicable, are also essential steps.
Some final questions you might have
Westpac’s policies are issued by Allianz Australia Insurance Limited.
A 14-day cooling-off period applies to Westpac Car Insurance, which means you can cancel cover within 14 days of purchase and receive a refund of any premium you have paid if you have not made a claim on the policy.
Premiums can be paid as an annual lump sum or in monthly instalments.
No, there is no additional cost if you choose to pay your premium in monthly instalments. However, they may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.
Yes, you have the freedom to choose your preferred repairer at no extra cost. It's worth mentioning that there may be some situations where you won't be able to choose your repairer — it depends on the circumstances.
Yes, you can consider the following extra-cost options:
Rental car after an accident for up to 30 days with a $100 per day limit
Cover for tools of trade in your vehicle up to $3,000 per incident
Removal of basic excess for one windscreen replacement and two repairs
If you’re looking for cover for your set of wheels, Westpac Car Insurance is certainly worth considering. See how it compares to policies from a range of other Australian insurance providers to decide whether it’s the right cover to help keep you on the road.
You can benefit from certainty over an extended period of time when you choose the Westpac Fixed Rate Investment Property Loan. Lock in to a low rate now and take advantage of their flexible repayment options.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product or service.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan.
Products marked as 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money here.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.