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Bankwest Comprehensive Car Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Monthly premiums available
Yes
Maximum no claim discount
up to 70%
Online discount
Up to 10%
Choice of repairer
Yes

Mozo editorial review Bankwest Comprehensive Car Insurance - last updated: 8 October 2021

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What's hot
  • Maximum 70% no claims bonus
  • $1,000 cover for mobility & disability aids
  • $500 personal item cover plus $500 for baby capsules
What's not
  • Young driver excesses from $550 to $1,500
Mozo snapshot

The comprehensive car insurance policy from Bankwest is a winner for dependable drivers and anyone after a little extra cover for valuables inside their vehicle. The no claims bonus rises to a massive 70% with this policy, and you’ll have dedicated cover for mobility devices, disability aids, baby seats and capsules, plus other personal property. There’s also very decent coverage limits for emergency repairs, transport and accommodation costs after an accident.

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Key features

The big ticket on the Bankwest comprehensive car insurance policy has got to be the no claims bonus which can rise to a 70% discount on your annual premium. Bankwest calculates this by looking at the number of years you’ve been driving and your claims and accident history.

The comprehensive policy covers you for a wide range of events from collisions, theft and vandalism to fire, storm and flood damage as standard. New-for-old car replacement is included as long as your vehicle is under two years old, and other handy specifics like up to $2,000 for replacement keys and $1,000 trailer and caravan cover are also part of the package.

There’s great post-accident coverage, including up to $800 for emergency repairs and $600 for accommodation costs (if an accident happens and you’re stranded more than 200km away from home). Personal property within your car also gets good coverage in this policy, with baby seats and capsules being covered for $500, disability and mobility aids covered for $1,000, and an additional $500 for other personal items (excluding phones, computers, cash and business tools).

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Who is it good for

Motorists with a clean driving record who want to take advantage of the generous no claims bonus, or anyone looking to cover equipment they keep inside their car for mobility or disability uses.

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Any catches

Like any car insurance policy, there are coverage limits or conditions on all items and events, so be sure to check your PDS for details. You’ll also want to be aware of the $500 excess for young drivers and that it increases to $1,500 if they’re not listed on the policy.

Details

Rates and fees information correct as at 19 October 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses

Yes

$450 - $1,700; varies by state

$550 for listed drivers under 25, $1,500 for unlisted drivers under 25, $500 for inexperienced drivers over 25.

70% (TAS)
70% (NT)
70% (SA)
70% (QLD)
70% (ACT)
70% (WA)
70% (VIC)
70% (NSW)

6 years

Up to 10%

n/a

Maximum no claim discount eligible after 6 years. NCD can be optionally protected if at Rating 1 or A1.

Loyalty Discount of 5% available to eligible policy holders.

Service features

No

Yes

Yes

n/a

n/a

Coverage summary

Agreed or Market

Yes - within 24 months of original registration

Up to $500 if damaged or stolen. Up to $1,000 for mobility devices and disability aids.

Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.

Up to $800

Reasonable towing costs. Up to $600 travel and accommodation costs if greater than 200 km from home.

Yes - Up to 14 days, max $75 per day.

Not at fault - Optional Extra. At fault - Optional Extra. Up to 14 days, max $75 per day.

Yes - legal liability cover when using a substitute vehicle.

Up to $1,000

Up to $2,000 if stolen.

Up to $500

Covered only if agreed in writing.

$10,000 within 12 months of accident.

No

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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