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Westpac car insurance review

Westpac’s budget-friendly car insurance offers decent benefits for its price point.

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Our verdict

Pros

  • Of 30 national car insurance brands compared, Westpac was among the cheapest
  • Car insurance customers can pay monthly at no extra cost
  • Many of Westpac's benefit limits are strong for its policy price point

Cons

  • Emergency repairs are capped at $500 but we found 9 brands that offer higher cover
  • Westpac doesn't offer an integrated or add-on roadside assistance policy
  • Drivers over 60 can easily find cheaper comparable policies elsewhere

How does Westpac car insurance compare with other car insurers?

Westpac comprehensive car insurance offers budget-friendly policies, particularly for younger drivers, with a range of strong benefits and generous limits. It's a solid option for those looking for cheap car insurance.

Features

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Westpac Comprehensive
  • If your car is written off in the first 2 years
  • Finder's Summary: Westpac's comprehensive insurance is the highest level of protection from Westpac that includes cover for new for old replacement of a new or demo vehicle less than 2 years after a total loss. Option to upgrade your cover is available that includes rental car following an accident and tools of trade. Save up to 15% on the first year premium when buying a new policy online. T&Cs apply.

    Who it might be good for: People who want a high level of cover with flexible payment options.
    Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
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    Price

    For the 2024 Finder Car Insurance Awards, our team of car insurance experts analysed over 1,800 quotes from 30 different providers. Of the 30 national car insurance providers compared, Westpac was among the 10 cheapest. However, for drivers over 60, cover was more expensive than average. Keep in mind, the best car insurance for you may depend on more than price.

    The below quotes are based on a fictional driver profile and your own cost will differ.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Westpac logo$929$1,182$1,048$864$1,322$871$1,036More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info

    About our car insurance methodology

    Compare Westpac car insurance's policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Westpac Comprehensive
  • If your car is written off in the first 2 years
  • Up to $100 per day - Up to 30 days
  • Finder's Summary: Westpac's comprehensive insurance is the highest level of protection from Westpac that includes cover for new for old replacement of a new or demo vehicle less than 2 years after a total loss. Option to upgrade your cover is available that includes rental car following an accident and tools of trade. Save up to 15% on the first year premium when buying a new policy online. T&Cs apply.

    Who it might be good for: People who want a high level of cover with flexible payment options.
    Westpac Third Party Property Damage
  • Westpac's Third Party Property Damage Insurance provides cover for loss or damage to someone else’s property due to an accident that's partly or fully your fault, doesn't cover damage to your own car.
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    What additional cover options are available?

    Westpac offers three additional cover options for drivers who want to strengthen their policy.

    • Nil excess for windscreen claims - Don't pay an excess for windscreen claims if it's the only damage to your vehicle. Limited to one replacement and two repairs a year.
    • Rental car following an accident - Get a rental car after an accepted claim for accidental damage. Capped at 30 days, at up to $100 per day.
    • Tools of trade - Claim up to $3,000 for stolen or damaged tools of trade, stock and materials. Must be in a locked vehicle, in a tool box that's permanently fixed to your vehicle, or damaged in a crash.

    Why you can trust Finder's car insurance experts

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    FAQs

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    4 Responses

      Default Gravatar
      HaroldMarch 4, 2024

      my insurance comp has goneup 1200dollars from last yearwhy

        AvatarFinder
        SarahMarch 15, 2024Finder

        Hi Harold, That is quite an increase! Insurance prices have increased across the board over the last year or two, but regarding your specific policy, we can’t provide personal advice as we’re a review and comparison site. We recommend you contact Westpac directly. If you’re unhappy with your premium, it’s a good idea to shop around for a better deal – the difference between the cheapest car insurance policy and the most expensive one on our panel is over $1000, so there is a big difference. It’s worth shopping around!

      Default Gravatar
      WSeptember 30, 2021

      We have our car Insurance with you and need to now change the vechile as we have sold the Barina and purchased a Suzuki Escudo 2.4 2008 2000cc registration NTB 43
      NZ New $16495 was the purchase price ;
      Policy 1000348179

        AvatarFinder
        JamesOctober 6, 2021Finder

        Hi,

        You can get in touch with Westpac directly to request a change of vehicle on your existing car insurance. You can reach Westpac on 1800 502 077. I hope this helps.

        Regards,
        James

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