Insuring your possessions

What’s the best house, contents and car cover for you? Understanding the different options and how they protect you, makes choosing the right insurance easier.

Three ways to protect your possessions with Westpac


House insurance

This can cover your house if it’s accidentally damaged or destroyed. You’re protected up to a maximum amount (called your sum insured value). If you’re renting out a house, you can also choose Landlord Cover.

Compare Comprehensive Home Cover and the extra benefits of Landlord Cover.

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Contents insurance

This cover can go hand-in-hand with house insurance. It can cover your belongings at home or temporarily anywhere else in New Zealand. If you’re flatting, you could also choose renters’ cover.

Compare Full Contents Insurance with the slimmed-down option of Renters' Cover. 

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Car and Vehicle insurance

There are three types of cover for a vehicle with Westpac.

  • Full Cover – Covers both your vehicle and any damage you may cause, along with extra benefits
  • Third party, fire & theft – Third party, plus cover if your car catches fire or is stolen.
  • Third party – Covers damage you might do to someone else’s car or property.

Compare your car insurance options – Full Cover; Third party, fire and theft; and Third party.

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Find a balance between your premium and excess

What you pay for your cover is called your premium, and what you contribute to a claim is called your excess. For instance, if your excess was $400 you would pay the first $400 of any claim. The two are often connected and sometimes a simple way to save on your premium is to increase your excess.

Read your policy and review it regularly

Always read your policy documents carefully because not all policies are the same. Also, things can change, so do review your cover each year and make sure it still works for you.

Read our Home, contents, vehicle and boat policy now

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.