Car Insurance
- Choose from three levels of cover – Comprehensive, Third Party Fire & Theft, Third Party Property Damage
- Take advantage of flexible payment options and pay monthly at no extra cost^
- Save up to 10% on comprehensive car insurance in the first year when you buy online+
As a comprehensive policy holder, you may also be entitled to a new replacement vehicle if your vehicle was purchased new by you and becomes a total loss within 2 years of original registration.
Choose from three levels of cover to suit your needs:
Comprehensive Cover
This is the highest level of protection. It covers your insured vehicle against loss or damage caused by fire, theft, accidents and malicious damage. Save up to 10% on comprehensive car insurance in the first year when you buy online+.
Third Party Fire & Theft
Cover for your insured vehicle as a result of loss or damage by fire or theft. It also covers your legal liability up to $20 million for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully the driver’s fault.
Third Party Property Damage
Covers your legal liability up to $20 million for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully the driver’s fault.
The table below provides a summary of the cover options, and key features and benefits which may assist in finding car insurance to suit your needs.
Conditions apply, so you should read the BankSA Motor Insurance Disclosure Statement (PDS) for full details of terms and conditions, including exclusions and limits.
| Key benefits | Comprehensive Cover |
Third Party Fire & Theft |
Third Party Property Damage |
|---|---|---|---|
| This is the highest level of motor insurance available. | Covers you if your car damages other people's property and you're legally liable for the accident. Insures your car if it's damaged by fire or stolen. | Covers you if you damage other people's property and you're legally liable for the accident. | |
| Accidental loss or damage to vehicle | |||
| Accidental death benefit | Up to $25,000, in any one period of insurance | ||
| New replacement car 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 following theft | Up to $100 per day | Up to $100 per day | |
| Child seat or baby capsule | Up to $500 | ||
| Legal liability, including supplementary bodily injury up to $20 million | |||
| Loss or damage caused by fire or theft** | Up to a market value of $5,000 | ||
| Personal effects and clothing damaged in an accident or stolen from your locked vehicle | Up to $1,000 | ||
| Emergency accommodation and travelling expenses | Up to $1,000 if more than 100km from home | ||
| Transportation costs if your vehicle cannot be driven home following an accident | Up to $500 | ||
| Towing costs for your car following an accident | |||
| Towing costs following fire or theft | |||
| Legal liability cover for loss and damage while using a registered substitute vehicle. Up to $20 million | |||
| Legal costs in defending claims covered by the policy | |||
| Trailer and Caravan cover | Lesser of $1,000 or market value | ||
| Lock re-keying / re-coding | Up to $1,000 | ||
| Loss or damage to your car caused by an at fault uninsured driver | Up to market value of $5,000 | Up to market value of $5,000 | |
| Optional cover you can add | |||
| Rental car after accident | Up to $100 per day for up to 30 days | ||
| Protected No Claim Bonus for 1st claim per period of insurance | |||
| Cover for tools of trade | Up to $1,500 | ||
| Removal of basic excess for 1 windscreen replacement and 2 repairs in each period of insurance | |||
| Ways to reduce your premium | |||
| Restricting drivers to over 25 (Optional)# | |||
| Having a named driver policy (Optional)# | |||
# 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).
- Get a quote
- Retrieve a quote
- Simply call us on 1800 825 200 Monday to Friday 8.00am-9.00pm and Saturday 9.00am - 5.00pm (AEST) to speak to a motor insurance specialist.
- Visit a branch
- Claim online
- Simply call us on 1800 825 200, 24 hours a day, 7 days a week.
If your car is stolen or maliciously damaged
You must call the police if your car is stolen or maliciously damaged. You may need to provide 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
- Call 1800 825 200 as soon as possible
- Write down the full names, addresses and phone numbers of all drivers, passengers and witnesses involved
- Take all reasonable steps to prevent any further loss or damage from occurring
- Write down the vehicle registration numbers and insurance details of all vehicles involved and gather any other evidence or information to support your claim (such as medical certificates and reports)
- The insurer will advise you about the other aspects of the claims procedure which apply (this information can also be found in the policy terms and conditions).
You may need to provide us with this information when making a claim.
Insurance claim help
If you need assistance with your claim, call 1800 825 200 24 hours a day, 7 days a week to speak to a claims officer.
How to apply
Important information
Cover is subject to your application for insurance being accepted.
* Up to maximum prize value of $50,000. Documentation must be provided to show proof of your loan or rent payments, as outlined under ‘Prize Restrictions’. For eligible policies which are purchased and current, between 12am AEDT on 10/07/2017 and 11.59pm AEDT on 31/08/2017. Winner will be drawn at random on 28/09/17 at 11am at Level 15, 200 Barangaroo Avenue, Barangaroo, NSW 2000. View full promotion terms and conditions. Authorised under trade promotion permits: ACT Permit No 17/01076 SA Permit No T17/1019, NSW Permit No LTPS/17/14827.
BankSA Motor Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 (Allianz). BankSA - 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) and Product Disclosure Statement (PDS) to see if this insurance is right for you. Call 1800 825 200.
#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).
+Minimum premiums may apply. Any discounts or entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one discount on your premium, the discount is applied in a predetermined order. Discounts on premiums are applied before stamp duty (where applicable in your State or Territory) or before any other taxes and government charges are applied. Any online discounts offered are applied to the insurer’s standard rates (excluding optional covers) and are for the first year's premium only (unless stated otherwise). The Safe Driver discount is available for eligible drivers only. The online discount does not apply to Third Party, Fire & Theft and Third Party Property Damage policies.
^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.
By clicking on Get a quote you will enter a third party site hosted by Allianz. Any personal information you provide to Allianz’s hosted site will be collected, used and disclosed in accordance with Allianz’s Privacy Statement and Privacy Policy.
BankSA’s Privacy Policy is available at banksa.com.au or by calling 13 13 76. It covers:
- How you can access the personal information BankSA holds about you and ask for it to be corrected;
- How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by BankSA and how BankSA will deal with your complaint; and
- How BankSA collect, hold, use and disclose your personal information in more detail.
© BankSA - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.