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† Comprehensive, Third Party and Third Party Fire and Theft policies only.
* The Multi-Policy Discount and Years of Membership Benefits exclude Travel, Business and Farm Insurance products. To qualify for the Multi-Policy Discount, you must hold two eligible RACV Insurance policies. For further details, see the Premium, Excess and Discounts guide at racv.com.au. Discounts will only be applied until any applicable minimum premium is reached. On renewal, any increases or decreases in your premium may be limited by factors such as your previous year’s premium. You may not save more with more eligible policies and by staying with RACV Insurance longer if a minimum premium is reached, or limits have been applied to increases or decreases in your premium.
The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. As distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Product(s) issued by Insurance Manufacturers of Australia Pty Ltd ABN 93 004 208 084 AFS Licence No. 227678.
R.A.C.V. Finance Limited ABN 82 004 292 291 Australian Credit Licence No. 391488. RACV Finance is subject to RACV lending criteria. Conditions, fees and charges apply.
Up to $20 million of cover if your car damages someone else's vehicle or property.
If your car is stolen or damaged by someone attempting to steal it, we cover repairs or pay you the amount you covered your car for (up to $10,000) less any deductions.
(If car is damaged we may repair/pay less than $10,000.)
When your car is damaged by a collision with another vehicle driven by an uninsured driver, we cover damage to your car (up to the amount of $5,000), but only if, the other driver was entirely at fault and you can give us the name and address of the person at fault and the registration number of the at fault vehicle.
If your car is damaged by fire or a total loss, we cover repairs or pay you the amount covered you have chosen (up to $10,000) less any deductions.
We keep you on the road if your car was stolen with a hire car that meets your needs until your car's returned undamaged or repaired or your claim is settled, to a maximum of 21 days.
Left something in the car? We pay up to $500 for things that were in your car when the car was stolen, such as phones, laptops or clothing. (Exceptions apply such as cash and tools.)
How much your car’s insured for.
It’s the maximum amount we’ll pay for loss or damage to your car caused by an insured incident. The amount is shown on your certificate of insurance and includes GST.
We consider your car a total loss when:
- It's stolen and unrecovered after 14 days; or
- It's uneconomical, impractical or unsafe to repair.
This is a just summary. For full details check the Product Disclosure Statement (PDS). It's dry, we know, but it's essential reading.
Cover is subject to your application for insurance being accepted.
^ Premiums payable by instalments may be subject to minor adjustments due to rounding and financial institution transaction fees may apply.
* This is subject to agreement in writing by the insurer and legal costs or expenses relating to any criminal or traffic proceedings are excluded.
**Your permission needs to be granted for the driver and passengers travelling in the vehicle and also the vehicle needs to be registered for use on a public road when the liability is incurred and arises.
Westpac Motor Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 (Allianz). Westpac Banking Corporation ABN 33 007 457 141 arranges the insurance as agent of Allianz, but does not guarantee the insurance. Policy terms, conditions, limits and exclusions apply. This information does not take into account your personal circumstances. Read the Product Disclosure Statement (PDS) (PDF 375KB) and the Premium, Excess, Discount and Options Guide (PED) (PDF 81KB) to see if this insurance is right for you. Call 1800 502 077 if you would like to understand more about Westpac Car Insurance product features.
A target market determination has been made for this product. Please visit www.westpac.com.au/tmd for the target market determination.
By clicking on Get a quote you will enter a third party site hosted by Allianz. Any personal information you provide to Allianz’s hosted site will be collected, used and disclosed in accordance with Allianz’s Privacy Statement and Privacy Policy.
Westpac's Privacy Policy is available at westpac.com.au or by calling 132 032 8am – 8pm Sydney Time, 7 days. It covers:
- How you can access the personal information Westpac holds about you and ask for it to be corrected;
- How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by Westpac and how Westpac will deal with your complaint; and
- How Westpac collect, hold, use and disclose your personal information in more detail.
Third Party Property Damage
For everyone driving your car1
For you and everyone who drives your car1
We cover damage you cause to other people’s cars or property in an accident (up to $20 million).
We cover damage to your car if an uninsured driver causes an accident2 (up to $5,000).
We pay for towing to a repairer or safe place if your car’s damaged by an uninsured driver2.
We cover you if you occasionally drive your personal car for a ridesharing service like Uber3.
Find out how much Third Party Property Damage Insurance costs
The main thing you get with Third Party Property Damage Insurance is ‘liability cover’.
It’s a basic level of cover (all our car insurance policies come with liability cover up to $20 million).
It covers you for damage you cause to other people’s cars or property in an accident.
Yes, you can pay by the month for your car insurance.
You’ll still pay for 12 months of insurance, but we’ll spread the payments out over the year.
You’ll save money if you pay for the whole year at once but, if monthly is better for you, choose it when you get a quote.
You don’t need to list them on your policy unless they’re the registered owner of the car.
So, for example, if you own your car and your son or daughter is learning to drive, we’ll cover them even if they’re not listed.
We operate in New South Wales, Queensland, Tasmania, Australian Capital Territory, Western Australia, South Australia and the Northern Territory.
Cover is subject to standard underwriting guidelines and policy terms. An additional excess applies to drivers under 25 or with less than 2 years’ driving experience.
Your car’s covered if we agree it was the other driver's fault and you have their name, address and rego number.
You’re covered if you’ve told us you’re using your own personal car for ridesharing and pay any extra premium. Only owners listed on the policy are covered when using the car for ridesharing.
Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount. You may not save more with more eligible policies and by staying with us longer if a minimum premium is reached, or we have limited increases or decreases in your premium.
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