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Motor Vehicle Insurance

Choose the cover that best suits your motor insurance needs.

  • Choose the level of cover and policy that suits your needs
  • Save on your premium when you exclude any drivers under the age of 25
  • No Claim Bonus up to 60% may save you more on your Comprehensive cover
  • Get help anytime with our 24/7 claims assistance

Levels of cover

Choose from three levels of cover to suit your needs:

  • Comprehensive
  • Third Party Fire and Theft
  • Third Party Property Damage

Policy options

Choose from three policies depending on the type of vehicle and how you use it:

  • Motor Vehicle Insurance Policy
  • Nominated Driver Motor Vehicle Insurance Policy
  • Nominated Driver Low Kilometre Motor Vehicle Insurance Policy

Premium savings

  • Nominate 2 drivers, 25 and over (Policy 2 above)
  • Nominate 2 drivers, 25 and over and low annual kilometres (Policy 3 above)
  • Earn No Claim Bonus for good driving

Convenient Payment

  • Pay Annually, Monthly, or
  • Fortnightly at no extra cost

24/7 claims assistance

  • Get help when you need it with 24/7 claims assistance

excess options

  • Variable excess options available to suit your budget.

Cover highlights

  • Personal items: Up to $500 cover with Comprehensive cover
  • New Replacement Vehicle: If your vehicle is less than 2 years old and driven under 30,000km, or less than 3 years old and driven under 50,000km, and suffers a total loss, we offer a new replacement vehicle under Comprehensive cover
  • $30m liability cover: On all policies
  • Towing and transport: With Comprehensive and Third Party Fire and Theft

Step 1: Choose your level of cover

When choosing your level of cover, consider the value of your car and how much cover you’d like. For full details, see the Cover Comparison table below. Consider whether you could pay the replacement cost of your vehicle or someone else’s in case of an accident. There are three levels of cover to choose from.

Cover Description Best for me?
Comprehensive This cover offers the broadest and most flexible protection, and covers you for loss or damage to your vehicle as a result of an accident, fire or theft. Includes cover for liability if your vehicle is involved in an incident causing loss or damage to someone elses vehicle or property. For a list of the inclusions, see the ‘Inclusions’ table. Consider this level of cover if your car is relatively new, or high in value or a leased vehicle, or if you need cover for a motorcycle, trailer or horse float.
Third Party Fire & Theft This covers your car or motorcycle for damage as a result or fire or theft. Includes cover for liability if your vehicle is involved in an incident causing loss or damage to someone elses vehicle or property. You might consider this insurance if your car has a lower value and you prefer a lower premium but still want cover for fire and theft.
Third Party Property Damage Basic cover for liability if your vehicle is involved in an incident causing loss or damage to someone elses vehicle or property. This level of cover has the lowest premium, and protects your legal liability.

To compare the policies and the inclusions for each level of cover, see ‘Inclusions’.

Step 2: Choose your policy

Save on your premium by only paying for what you need. You can choose from three policies, so you can save if your car is driven by up to two nominated drivers only.

  • Motor vehicle Insurance - a flexible policy for your car, motorcycle, trailer, or horse float
  • Nominated Driver Motor Vehicle Insurance (cars only) - your premium will be calculated on the basis that your car will only be driven by no more than two drivers who are 25 years or over
  • Nominated Driver Low Kilometre Motor Vehicle Insurance (cars and Comprehensive cover only) - your premium will be calculated on the basis that your car will only be driven by no more than two drivers who are 25 years or over, and will not be driven more than 10,000 kilometres during your period of insurance.

Need more detail?

It’s important to understand what you are and aren’t covered for. For the policy details, check the PDS.

These inclusions are designed to protect you and your car in your greatest time of need, and reduce your inconvenience in the event of an accident, fire or theft.

  Comprehensive Third Party Fire & Theft Third Party Property Damage
$30m liability cover      
Uninsured motorist damage   * *
Towing and transport of your vehicle      
Hire vehicle costs after theft or attempted theft      
Re-coding of locks and barrels after theft of keys      
Emergency or temporary repairs      
Removal of debris      
Baby capsules and child seats      
Storage costs      
Earned No Claim Bonus Protection      
Replacing your vehicle after a total loss      
Windscreen extension option      
Personal items      

* Up to $5,000 cover to tow and repair your vehicle.

Need more detail?

It’s important to understand what you are and aren’t covered for. For the policy details, check the PDS.

Protect yourself and your car against the unexpected, and let us look after you. It’s easy to apply for your car insurance and car finance at Bank of Melbourne.

Read the PDS to make sure this insurance meets your needs.

Find out what information you need to provide to become a customer

Call us 24 hours a day, 7 days a week, on 13 15 32

If your car is stolen or maliciously damaged

Call the police if your car is stolen or maliciously damaged. You may need to provide us with the name of the police officer and police station where you made the report.

If you are involved in an accident

  • Do not admit to anyone involved that you were at fault
  • Write down the full names, addresses and phone numbers of all drivers, passengers and witnesses involved
  • Write down the vehicle registration numbers and insurance details of all vehicles involved.

You may need to provide us with this information when making a claim.

Insurance claim help
If you need assistance with your claim, call us on 13 15 32.

The Detail

The advice on this webpage is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before acting on this advice and making a decision about Protect Motor Vehicle Insurance, you should consider the appropriateness of the advice, and the current Product Disclosure Statement and policy wording (PDS) and the Supplementary Product Disclosure Statement and policy wording (SPDS) having regard to your personal circumstances.

Bank of Melbourne Protect Motor vehicle Insurance is issued by CGU Insurance Limited ABN 27 004 478 371 AFSL 238291 (CGU) and distributed by Bank of Melbourne- A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (Bank of Melbourne). In arranging this insurance, Bank of Melbourne acts under the Bank’s Australian Financial Services Licence.

This policy is not an investment in or deposit with the Bank. Neither the Bank, Bank of Melbourne nor any member of the Westpac Group guarantees the insurance benefits under the policies, or has any liability in connection with the policy or this information. Conditions, limits, and exclusions on cover apply, which are explained in the PDS.