Updated 3 Nov 2017

Westpac

Car Insurance Comprehensive

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Full policy details

Policy

Underwriter
Lumley (owned by IAG New Zealand)
Underwriter's financial strength rating
AA- (Standard & Poor's)
Independent complaints organisation

Insurance & Financial Services Ombudsman Scheme

Phone
0800 177 277
Cooling-off period
30 days

Standard excesses for fully-licenced, named drivers

Under 21
$1100
21 to 24

$850

25 plus

$400

Main cover

Liability to 3rd parties

Up to $20 million

Towing costs following accident

Reasonable towing costs

Road-clearing costs following accident

Up to $500

Transport costs following accident

Transport and accommodation costs up to $500

Accommodation costs following accident

Transport and accommodation costs up to $500

Cover for natural disasters

Yes

Other benefits

Damage to trailer covered under same policy

Up to $1000 ($50 excess; no-claims discount impacted)

Cover for windscreens/windows

Yes

Possible to claim for broken glass without impacting excess/no-claims discount

Yes

Keys/locks replaced

Up to $1000 (no excess; no-claims discount not impacted)

Repairs done by specified repairer guaranteed

Yes

Option to choose your own repairer

Yes

Roadside assistance available

Optional extra

Rental car during repairs

Up to 14 days ($25 excess per day)

No-claims discount protection (including at-fault crashes)

No

New vehicle replaced entirely

Yes, if less than 1 year old and cost to repair more than 60% of market value

Car accessories included in cover

Yes - accessories aren't defined

Car accessories kept at home covered

No

Death and injury cover

Driver's death

$5000 per person; $10,000 total

Driver's personal injury

No

Driver's medical expenses

Up to $500

More info

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