Westpac car insurance review

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

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By

Nicola Middlemiss

Updated

Fact checked

Key takeaways

  • Westpac car insurance often provides competitive pricing and strong benefits for its cost.
  • Roadside assistance is not offered and emergency repairs are capped lower than some competitors.
  • Drivers over 60 may find more affordable comparable policies with other providers.

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 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.

Compare Westpac car insurance's policies

Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
Westpac logo
9.1 Excellent
Westpac Comprehensive
9.1 Excellent
  • If your car is written off in the first 2 years
  • Up to $100 per day - Up to 30 days
    • 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.

    Who it might be good for: People who want a high level of cover with flexible payment options.
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    Westpac logo
    8.7 Great
    Westpac Third Party Property Damage
    8.7 Great
    • 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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    Why choose Westpac car insurance?

    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 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.

    FAQs

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    Journalist
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    Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

    Nicola's expertise
    Nicola has written 170 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance
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    3 Responses

      Sarah Megginson's headshotFinder
      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!

      W and G Vidal's avatar
      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

        James Martin's headshotFinder
        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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