Car Insurance
Bank of Melbourne can help you find the car insurance cover that suits your lifestyle and budget
InsuranceWhy choose our car insurance?
What level of cover do you need?
Here are the main features of the 3 levels of cover. Full details available in the PDS (PDF 1MB)
Comprehensive Insurance
Comprehensive cover is our highest level of car insurance available.
- Accidental loss or damage (including fire or theft)
- New car replacement if your new car (less than two years old from original registration) is a total loss
- Emergency repairs to get you home if your car is involved in an accident, is damaged or stolen (up to $500)
- 30 day car rental if your car is stolen (up to $100 per day)
- Child seat or baby capsule replacement (up to $500)
- Personal effects stolen from your locked vehicle or damaged in an accident (up to $1,000)
- Transportation costs if your vehicle cannot be driven home following an accident
- Towing costs if your car is stolen, damaged by fire or involved in an accident
- Trailer and caravan cover (the lesser of $1,000 or market value)
- Lock re-keying/re-coding (up to $1,000)
- Emergency accommodation and travelling expenses (up to $1,000 if you’re more than 100km away from home)
- Legal liability cover - up to $20 million to pay compensation and associated legal costs for loss or damage caused by your car to another person’s vehicle or property caused by you or someone you’ve authorised to drive your car
Options to tailor your cover
- Protected no claims bonus for 1st claim per period of insurance
- Removal of basic excess for 1 windscreen replacement and 2 repairs in each period of insurance
- 30 day car rental after an accident (up to $100 per day)
- Tools of trade cover (up to $1,500)
Looking to reduce your premium?
- Choose to restrict your cover for drivers over 25#
- Choose to only have named drivers covered on the policy#
Third Party Fire & Theft
Third Party Fire and Theft covers you if your car damages someone else’s property and you’re legally liable for the accident. It also insures your car if it’s stolen or damaged by fire.
- Legal liability cover - up to $20 million to pay compensation and associated legal costs for loss or damage caused by your car to another person’s vehicle or property caused by you or someone you’ve authorised to drive your car
- 30 day car rental following theft (up to $100 per day)
- Loss or damage caused by fire or theft (up to a market value of $5,000)**
- Towing costs following fire or theft
- Loss or damage to your car caused by an at fault uninsured driver (up to market value of $5,000)
Third Party Property Damage
Third Party Property Damage covers you if you damage someone else’s property and you’re legally liable for the accident.
- Legal liability cover - up to $20 million to pay compensation and associated legal costs for loss or damage caused by your car to another person’s vehicle or property caused by you or someone you’ve authorised to drive your car
- Loss or damage to your car caused by an at fault uninsured driver (up to market value of $5,000)
Offers
10%
Online discount on
comprehensive
Car Insurance*
Free
Roadside Assistance
for one year
Take out a new Comprehensive Car Insurance policy by 27 April 2018 and you’ll get a free year of Allianz Roadside Assistance~.
The Detail
Cover is subject to your application for insurance being accepted.
Bank of Melbourne Motor Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 (Allianz). Bank of Melbourne - a Division of Westpac Banking Corporation ABN 33 007 457 141 arranges the insurance as agent of Allianz, but does not guarantee the insurance. Policy terms, conditions, limits and exclusions apply.
This information does not take into account your personal circumstances. Read the Financial Services Guide (FSG) (PDF 778KB) and Product Disclosure Statement (PDS) (PDF 1MB) to see if this insurance is right for you. Call 1800 825 866.
#In these circumstances, a corresponding excess will apply if a claim is made for an accident when the relevant condition was not satisfied (e.g. an unnamed driver was driving the car where drivers are named on the policy).
^Premiums payable by instalments may be subject to minor adjustments due to rounding and financial institution transaction fees may apply.
**Or the insurer may choose to repair your car or pay you the reasonable cost of repairing your car.
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Bank of Melbourne’s Privacy Policy is available at bankofmelbourne.com.au or by calling 13 22 66. It covers:
- How you can access the personal information Bank of Melbourne holds about you and ask for it to be corrected;
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- How Bank of Melbourne collect, hold, use and disclose your personal information in more detail.
© Bank of Melbourne - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.