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It pays to insure your private car, motorbike or trailer. We also offer third party insurance and third party with fire and theft cover.
More info on our insurance range
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| Choose the type of insurance cover that suits you |
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full cover |
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third party cover |
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third party with fire and theft cover. |
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| You should consider full cover insurance if you’d find it financially difficult to replace your private car or other vehicle. |
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| Benefits of full vehicle insurance |
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your private vehicle is covered if it’s stolen or damaged in an accident, fire or natural disaster |
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help with travel and accommodation if your car can't be driven after an accident covered by the policy |
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help with cleanup of an accident scene and getting your repaired car home |
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cover for your liability if you injure other people, or damage someone else’s property, in an accident involving your car—up to $20 million |
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help with paying for a hire car for up to 14 days if your car is being repaired after an accident, or remains stolen and not recovered |
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up to $1,000 of cover on any car trailer you own or use |
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get a brand new vehicle if your new vehicle (less than one year from first registration) is written off in an accident in the first year (depending on model availability) |
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help with things like lost or stolen keys and locks, window and windscreen cover, and more. |
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| Third party insurance |
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will cover your liability for damage to another person’s property you cause accidentally |
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won't pay for the damage to your car or vehicle. |
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| Plus, if an uninsured driver damages your car and you can identify them and prove it was their fault, you could be covered for up to $3000 of damage to your car—with no excess. |
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| You can also get third party insurance with extra cover for fire and theft. |
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| This is just like third party insurance, but it means you are also insured if your vehicle is stolen or catches fire. |
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| The excess is the amount you pay towards the claim yourself. |
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| The minimum excess for all covers is |
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$300 for drivers over 25 |
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$750 for drivers aged 21—24 |
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$1000 for drivers under 21 |
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$1000 for anyone who hasn't had a current full New Zealand driver's licence for the preceding 12 months. |
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| You won’t lose your no-claims bonus or have to pay excess if |
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your vehicle is in an accident caused by someone else, and |
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you can identify the other driver and prove it was completely their fault. |
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| Ways to reduce your vehicle insurance premiums |
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get a 10% discount if you live in your own home and insure it with us |
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increase your excess and save money on premiums |
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get a discount if no one under 25 years drives your vehicle |
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a no-claims bonus can reduce your premiums significantly. |
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| To apply for vehicle insurance contact any Westpac branch or call 0800 177 277 (Monday to Friday, 8am to 3pm, and Saturday, 9am to 3pm). |
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