7.3 / 10

based on 22834 Westpac reviews as rated by Mozo community

Westpac car insurance

Westpac is one of Australia’s big four banks, established in 1817 and with around 13 million customers today, so chances are you already know all about it.

But what you may not know are all the details of its car insurance policies. So if you’ve got a set of wheels you need to keep safe, check out Westpac car insurance below.

Westpac offers the following car insurance policies

Rates and fees verified as correct at 10 May, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer
Comprehensive Insurance

Yes

up to 15%

10%

Yes

Frequently asked questions about Westpac car insurance

What does a Westpac car insurance policy cover?

The Westpac Comprehensive policy is just what the name suggests - comprehensive. It covers just about any fix you might expect car insurance to cover, including:

  • A new car if yours is written off (conditions apply)
  • Damage to personal property
  • Windshield damage
  • Emergency repairs without assessment (up to a certain dollar value)
  • Towing, accommodation or taxi fare in an emergency
  • A hire car after having yours stolen
  • A hire car after an accident (most policies only include this as an optional extra)
  • Hire car liability (as long as you use Westpac’s rental car provider)
  • Cover for things like lost/stolen keys, baby seats, damage to commercial signage or trailers
  • Modifications made to your vehicle (conditions apply)
  • Accidental death of driver (conditions apply)

Are there any exclusions I should know about?

Just like any other car insurance policy, there are a number of things that are excluded from your Westpac cover. These include if the accident happens when:

  • An unlicensed driver is driving your car
  • You’re driving under the influence
  • Your car is in a condition that makes it unsafe to drive
  • You’re using your car for motor sports or to make money (e.g. as a rideshare vehicle)

What excess option should I go for?

When you take out a car insurance policy with Westpac, like with most insurers, you can choose either low or high excess. But what does that mean and which one is best?

Well, if you opt for high excess, you’ll pay a lower premium, but if you ever do make a claim, you’ll wind up getting a lower payout. Opt for low excess, and your premiums will be higher, but your insurance will cover more of the cost if you do make a claim.

As for which is best, that’s up to you to decide, depending on your budget and how likely you think you are to claim.

How is my premium calculated?

Westpac will work out your premium depending on a bunch of factors, like who you are, what car you drive and where you live. Ultimately, what they’re trying to guess is how likely you are to be in an accident or make a claim - the more likely, the more you’ll pay.

Some questions you might have to answer to work out your premium include:

  • What kind of car you drive? What make, model and colour is it?
  • When you aren’t driving, do you park your car in a garage or on the street?
  • Where do you live - is it a safe area?
  • How old are you and how long have you been driving?

How can I pay my premium?

Car insurance premiums can be a pretty big cost to fit into your budget - so it’s nice to have some flexibility about how you pay. The good news is, you can pay your Westpac premium either in one lump sum or as monthly installments at no extra cost.

What discounts are available?

Another thing that can make paying your car insurance premiums much easier is cashing in on some great discounts. With a Westpac car insurance policy you may be able to snag a no claims discount, as well as a loyalty discount.

How is Westpac rated by customers?

There’s no better way to find out what a Westpac car insurance policy is like than getting it straight from the horse's mouth. That’s why we’ve asked Westpac customers to rate their policies in terms of things like customer service, convenience and value for money. Read all about it in our customer review section.

How to make a claim

Best case scenario: you never have to make a claim on your car insurance and you won’t need the information in this section. But it’s always a good idea to be prepared just in case.

  • You can claim online or over the phone, and here’s what you’ll need:
  • The name, address, phone number, email address, licence number and insurer of other drivers involved.
  • The registration number and a description of any vehicles involved.
  • Contact details of anyone who may have witnessed the accident.
  • Photos of the accident, including the location, the damage and external factors that may have been an influence - like bad weather or road conditions.

How is Westpac car insurance rated?

Mozo users have rated Westpac car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of car-insurances
Westpac car insurance
Overall
7.5/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

62 Reviews

Recent Westpac car insurance reviews

Westpac Car Insurance review
Overall 10/10
Winning with Westpac

I have been with this company my whole driving life, they have never let me down.

Read full review

I have been with this company my whole driving life, they have never let me down.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Kim, Queensland, reviewed 8 months ago
Westpac Car Insurance review
Overall 8/10
Great customer service.

They offer low interest and variable options.

Read full review

They offer low interest and variable options.

Value for money
8/10
Policy coverage
10/10
Customer service
9/10
Claims handling
10/10
Trust
10/10
Less
Nina, New South Wales, reviewed over 1 year ago
Westpac Comprehensive Insurance review
Overall 10/10
Excellent

The best car insurance around.

Read full review

The best car insurance around.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Ima, New South Wales, reviewed about 3 years ago
Westpac Car Insurance review
Overall 0/10
No insurance

No insurance

Read full review

No insurance

Value for money
0/10
Policy coverage
0/10
Customer service
0/10
Claims handling
0/10
Trust
0/10
Less
Glen, Western Australia, reviewed over 3 years ago

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