Car insurance

Whether you want full protection for your car with Agreed Value or bare-bones third party, we’ve got you covered. And if you have a van, ute, motorhome or even a vintage or classic car? Don’t worry, we can cover that too.

Three levels of cover to choose from

 Umbrella Dollar

Comprehensive cover

Agreed Value covers you for most cars. It provides you with certainty of what you'll get if your car is damaged beyond repair or is stolen.

This policy covers your car for accidental damage as well as damage to other people's 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

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


Compare car insurance options

Compare car insurance types Comprehensive 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
if your car is hit by an at fault uninsured driver 
Cover limit $3K  Cover limit $3K
Fire or theft
Of your car, van etc 
Accidental damage to your vehicle
Repair or replacement if your vehicle is accidentally damaged, up to the sum insured 
 -  -
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’ll 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 your or your spouse
Trailer cover
Up to $1,000 for accidental loss or damage to a trailer you own or use


To see the full terms, conditions, exclusions and limits that apply, refer to the Vehicle Cover section of the Home, Content, Vehicle and Boat Cover policy here.

Choose your excess

Driver Excess Starts From
 Over 25 years   $400
 21-24 years  $850
 Under 21 years  $1100
Anyone not holding a current NZ driver's license for the last 12 months  $1100

Ways you might save on your car insurance premium

If you:  Savings/Discount
Choose a higher voluntary excess  Save up to $100 every year
Have no under 25s drivers Up to 18% discount on your premium
Insure the home you live in with Westpac 10% discount on your premium
Drive claims-free for 4 years or more up to 64% claims-free bonus

Get 24/7 roadside help with your Comprehensive Car Cover

 Umbrella Dollar

Add Auto Assist

Want help 24/7 if you break down, get a flat tyre or lose your keys? Simply add Auto Assist as an optional extra to your Comprehensive Car Cover.

Get Auto Assist

Get car insurance with a 30 day free look

With our 30-Day Free look, if you decide the cover is not for you during the free look period, just notify us and we’ll refund any premiums you’ve paid.

You might also like these options:

2x status points


2x status points


2x status points

Credit card

2x status points


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, Westpac, or any member of the Westpac group of companies guarantee the obligations of, or any products issued by IAG. Westpac will receive commission payments as a result of the arrangement of IAG policies. For IAG's financial strength rating please click here.

The information contained on this page is intended as a general guide only and may vary at times. Terms, conditions, exclusions and limits apply. More detail can be found in the policy document (downloaded here as a PDF), or obtained by calling 0800 809 378. The availability of any insurance cover is subject to the acceptance and approval of a complete application.

Any payment is subject to your claim being accepted.