Three levels of cover to choose from.

Read the full policy (pdf)

Full Cover

This policy covers your car for accidental damage as well as damage to someone else’s vehicle or property. There are other great benefits too. 

Third Party, Fire and Theft

Covers you for damage to someone else’s vehicle or property while driving, plus protects your car in the case of loss or damage by fire or theft.

Third Party Only

Our most basic cover. It covers you for damage to someone else’s vehicle or property while driving your car.

Compare your options.

Compare insurance types.

Full Cover. 

Third Party, Fire & Theft. 

Third Party Only. 

Agreed Value. 
We both agree to the sum insured value of your car and the amount you'll receive for your car in the event of a total loss. 
Damage to someone else’s property. 
Liability cover up to $100,000 for injury to another person and up to $20 million for damage to another person's property. 
Innocent Party Protection. 
Cover if your car is hit by an at-fault uninsured driver. 
  Cover limit $3,000 Cover limit $3,000
Fire or theft. 
Of your car, van etc. 
Accidental loss or damage to your vehicle. 
Repair or replacement up to the sum insured, if your vehicle is accidentally damaged, including damage caused by a flood or storm.
Windscreen, windows and sunroof excess-free. 
With no impact on your no-claims bonus to repair or replace either. 
Rental car. 
Car hire for up to 14 days if your car is stolen or being repaired after an accident (you need to contribute $25 a day). 
Optional Auto Assist. 
Vehicle breakdown service. 
Travel and accommodation. 
Up to $500 if affected by damage or a loss of your vehicle. 
Towing and transport. 
Up to $500 for returning your vehicle home. 
New replacement vehicle. 
In certain circumstances get your vehicle replaced with a new one if it’s less than 12 months old. 
Medical expenses. 
Up to $500. 
Keys and locks excess-free. 
If they’re stolen, up to $1,000. 
Accident costs covered. 
Up to $500. 
Legal costs covered. 
Up to $1,000. 
Fatal injury payment. 
$5,000 each for you or your spouse. 
Trailer cover. 
Up to $1,000 for accidental loss or damage to a trailer you own or use 
Person with car hood up calling for help on phone.

Choose your excess.


Excess starts from

Over 25 years $400
21-24 years $850
Under 21 years $1,100
Anyone not holding a current NZ driver's license for the last 12 months $1,100

30 day free look.

30-day free look period - if you decide the cover is not for you during the free look period, just let us know and we’ll refund any premiums you’ve paid unless you’ve made a claim.

How can I save on premiums?

  • Save up to $100 a year by choosing a higher excess.
  • Lower your premiums by excluding under 25 drivers.
  • Lower premiums if you insure the home you live in with Westpac Home Cover.
  • No claims bonus of up to 64%.

Other vehicle cover.

Why Westpac?

Keep everything together and make life easy

Having all your loans, investments and insurance in the one place can make it easier for you to manage your finances.

Great ways to save on your premiums

You may be able to save on your premiums with flexible excesses, discounts and more.

Financial Strength Rating and Solvency

Take confidence from our financial strength and know that we will be there for you, over the long term.

Read about our ratings

30 day free look period when you buy

All our policies come with a 30  day free look period – if you decide it’s not for you, just let us know and we’ll refund any premiums you’ve paid.

Extra information.


Get a car insurance quote online

Get an online estimate for your car insurance, in your own time.

Get a quote & buy now

Get motorcycle, caravan, trailer or boat insurance

Call us to chat about these insurance options.

Call 0800 809 378 now

Read the policy

See the full terms, conditions, exclusions and limits that apply.

Read full policy

Make a claim.

Contact us 24/7 to make a claim on your vehicle insurance.

Car tips.

Getting your car road trip ready

How to check your car's health.

Read more

Parked car tips

Ways to avoid damage to your parked car.

Read more

Things you should know.

Westpac Home, Contents Vehicle and Boat insurance cover is arranged by Westpac New Zealand Limited (“Westpac”) and underwritten by IAG New Zealand Limited (“IAG”). None of Westpac Banking Corporation ABN 33 007 457 141 (incorporated in Australia), Westpac, or any member of the Westpac group of companies guarantee the obligations of, or any products issued by, IAG or any member of the IAG group of companies. Westpac will receive commission payments as a result of the arrangement of IAG insurance policies. For IAG’s financial strength rating visit Westpac accepts no responsibility for the availability or content of any third-party websites and makes no representation as to the accuracy or currency of the materials.

Terms, conditions, exclusions and limits apply. More detail can be found in the policy document; visit or call 0800 809 378 for a copy.

Any claim payment is subject to your claim being accepted.

Eligibility criteria apply to discounts. Discounts are applied to the base premium before add-ons, levies, and GST are added. If you get two or more discounts, these will be calculated consecutively. Any discount may apply in part, or not at all, if your premium is below our minimum level. Discounts can be changed or removed at any time.