Car insurance

Whether you have one car or two, a van, or ute, even a motorhome, we’ve got you covered. Got a vintage or classic car? We’ll cover that too.

Three levels of cover to choose from

  • Full cover: A comprehensive policy that covers you if your vehicle is stolen or damaged by an accident, fire or natural disaster – along with liability cover should you hit someone or something, automatic cover for windscreens, keys and locks, help with travel and accident costs, optional Auto Assist cover and more.
  • Third party, fire and theft: Get the protection of third party cover, plus additional cover for your vehicle in the case of loss or damage by fire or theft.
  • Third party: Our most basic cover, which gives you protection in case you damage someone else’s vehicle or property.

Compare car insurance types


Third Party Fire & Theft

Third Party only

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
  ✔   ✔   ✔
Accidental damage to your vehicle
Repair or replacement if your vehicle is accidentally damaged, up to the market value (limited to the sum insured). 
  ✔   X   X
Fire or theft
Of your car, van etc
  ✔   ✔   X
Innocent Party Protection ($3k)
if your car is hit by an at fault uninsured driver
  ✔   ✔   ✔
Windscreen, windows and sunroof excess-free
With no impact on your no-claims bonus to repair or replace either
  ✔   X   X
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)
 ✔   X   X
Optional Auto Assist
Vehicle breakdown service
 ✔   X   X
Travel and accommodation
Up to $500 if affected by damage or a loss of your vehicle
 ✔  X  X
Towing and transport 
Up to $500 for returning your vehicle home
 ✔  X  X
New replacement vehicle
In certain circumstances get your vehicle replaced with a new one if it’s less than 12 months old
 ✔  X  X
Medical expenses
Up to $500
 ✔  X  X
Keys and locks excess-free
If they’re stolen, up to $1,000 
 ✔  X  X
Accident costs covered
Up to $500
 ✔  X  X
Legal costs covered
Up to $1,000
 ✔  X  X
Fatal injury payment
$5,000 each for your or your spouse
 ✔  X  X
Trailer cover
Up to $1,000 for accidental loss or damage to a trailer you own or use
 ✔  X  X

Select an excess

The standard excess for all covers is

$300 for drivers over 25

$750 for drivers aged 21—24 

$1000 for drivers under 21 

$1000 for anyone who hasn't had a current full New Zealand driver's licence for the last 12 months

You might be able to save money on your Car insurance premiums by:

  • selecting a higher voluntary excess – save up to $100 per year
  • exclude under 25s from driving – save up to 18% on your premiums 
  • when you insure your home that you live in with Westpac, you’ll get a 10% discount
  • enjoy a no claims discount of up to 64% with 4 or more years of claim free driving

Westpac Auto Assist

Want to make sure you can get help 24/7 if you break down, get a flat tyre or even lose your keys? You can add optional Auto Assist to our full vehicle cover.

Read about Auto Assist

30-day free look

You’re entitled to a free look period of 30 days from the start date of your policy.

If you decide this cover is not for you within the free look period, please call us on 0800 809 378 and we’ll refund any premiums you’ve paid.