Storms, floods and bushfires
If you’re a BankSA Home or Car Insurance customer impacted by severe weather or bushfires and need help with a claim, call the specialist BankSA team at Allianz on 1300 656 345 or submit a claim online.
What is Comprehensive Car Insurance?
It’s the top level of cover for your car if it's damaged, even if you're at fault, or if it's stolen.
Why BankSA?
One less step
Sort out your insurance and banking together.
Flexible payment options
No extra cost to pay by the month so you can better manage your budget.1
All in one place
See your insurance policies next to your bank accounts in the App.2
Any driver cover
Cover for anyone you let drive your car, so long as they’re legally allowed to drive.3
Benefits for you
Choice of repairer
Use your own or an Allianz-authorised repairer, it’s up to you.4
Legal liability cover of up to $20 million
If you’re at fault in an accident, this cover can pay compensation for any loss or damage.
Accidental loss of or damage to your vehicle
Cover for accidental loss or damage to your vehicle (including theft).
Emergency accommodation and travelling expenses
If you’re in an accident more than 100km from home, you can claim accommodation up to $1,000.
Replacement of a new vehicle
For new vehicles under 2 years old, get a replacement vehicle of the same make and model if yours is written off or if not available, you will be paid market or agreed value.
Baby capsule and child seat replacement
Claim up to $500 for child seats or baby capsules in your vehicle following a covered accident.
Named Driver premium reduction
List drivers on your policy and you could reduce your premium.5
Boost your cover with optional extras
Add No excess for windscreen claims, Rental car following an accident6, or Tools of the trade, and tailor your cover to suit your needs for an additional premium. Check Understanding your Motor Insurance cover for more information.
Already started a quote? Retrieve your quote
The details on what’s covered
Questions about what’s included in Comprehensive Car Insurance? We’ve got you covered with the details you need.
For full details of the terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS) (PDF 1MB) before making a decision to purchase the insurance.
Save up to 10%
Quote and buy a new comprehensive car insurance policy online and you could save up to 10% in the first year.*
Frequently asked questions
How much can I insure my car for?
You have two choices when it comes to insuring your car under a Comprehensive Car Insurance policy, they are:
- "Agreed value" – where Allianz agrees to insure your vehicle up to a specified amount – this will be shown in your policy schedule.
- "Market value" – replace your car with the same make, model, age and condition at the value it was immediately prior to the insured incident. Costs and charges for vehicle registration, compulsory third-party insurance, stamp duty transfer, dealer warranty costs, transfer fees and dealer delivery are not included.
An industry motor valuation guide may be used to figure out the market value of your car, along with other factors like local market prices, the condition of your car and any modifications, options or accessories shown on your policy schedule.
How can I reduce my car insurance premiums?
You may be able to reduce the cost of your car insurance by increasing your basic excess (which is the amount you pay at the time of a claim).
The Named driver option also lets you list all your drivers on your Comprehensive Car Insurance, which could help you save too.5
What is an excess, and when do I need to pay it?
The amount you may need to pay if you make a claim is known as the "excess" and it can vary depending on factors including:
- base excess chosen,
- age of the driver, and
- whether the driver is listed on your policy.
You can be required to pay excess whenever you are the at fault driver or if the at fault driver’s details are incorrect, unavailable or you’re unable to get them at the time of the incident. More than one excess may apply.
For an additional cost, you can also choose the option to remove an excess for windscreen claims.
Can I choose my own repairer?
Yes. You can choose your own repairer or Allianz can help you find one. If you choose your own, a second quotation from an Allianz-authorised repairer might be required.4
Allianz will work with you and the repairer to help get the best repair result, regardless of the repairer you use, and guarantees authorised materials and workmanship for as long as you own or lease your vehicle. This guarantee is not transferable.
Will I get a rental car?
Yes, you’ll get a rental car if your car is stolen and your claim under a Comprehensive Car Insurance policy is accepted.
For an additional cost, you can add a benefit to your Comprehensive cover to provide you with a rental car if your car is damaged in an accident.6
A rental car will be provided for up to 30 days at up to $100 a day and this may be extended if Allianz causes or contributes to the delay in repairing your car.
Allianz may not cover a rental car that you arrange yourself, so always check with them beforehand.
Are personal items in my car covered?
Yes. With Comprehensive cover you can receive up to $1,000 per claim for the repair or replacement of personal items that were damaged in a collision, stolen from a locked vehicle or stolen at the same time as your car. Personal items belonging to you, your spouse, your de facto and dependent children are also covered.
Important information
*When you both quote and buy a new Motor Insurance policy online a premium discount of up to 10% is applied to your first year’s premium. This discount is not applied on renewal. Minimum premiums may apply.
If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both of these discounts. Discounts do not apply to taxes or government charges. Discounts may not apply to optional covers selected. Any discounts or entitlements may be subject to rounding. Most discounts won’t apply below the minimum amount payable for the policy.
1Pay by instalment at no additional cost compared with paying annually. Instalments may be subject to minor adjustments due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.
2Policyholders need to ensure their personal details on their policy match with their BankSA accounts. Only primary policyholders can see policies alongside their other BankSA accounts.
3Driver exclusions apply if the driver is unlicensed, is not following the conditions of their license, refuses a drug or alcohol test, is under the influence of drugs or exceeds the legally allowed alcohol limit. Refer to the Product Disclosure Statement (PDS) (PDF 1MB) for full driver, usage and other policy exclusions as set out in the "What's not covered" section. An additional excess applies to drivers under 25.
4Allianz may agree with you to use a repairer (other than the one you selected) or pay you reasonable repair costs. Allianz will act reasonably in doing so.
5Reduce your premium by listing your drivers. If you choose to reduce your premium by naming drivers on your policy, an unnamed driver will incur a $2,500 excess (this replaces the basic and all other excesses where applicable).
6Allianz will arrange a rental car of a similar size and type to your car after a covered collision for a maximum of 30 days while Allianz either fixes your car, pays you the cost of repairs, or determines if your car is a total loss. If a rental car of a similar size and type (e.g. medium SUV) is not available, Allianz will pay you a travel allowance of $50 a day.
Any financial product advice provided on this page is general in nature and does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement (PDS), supplementary PDS (if applicable), Premium, Excess, Discount and Options Guide (PED) (PDF 1MB) and Target Market Determination (TMD).
Motor Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). BankSA – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (the Bank) arranges the initial issue of the insurance under a distribution agreement with Allianz but does not guarantee the insurance.
By selecting 'Get a quote' you will enter a third-party site hosted by Allianz. Any personal information you provide to Allianz will be collected, used and disclosed in accordance with Allianz’s Privacy Statement and Privacy Policy available on their website.
If you purchase Motor Insurance with Allianz the Bank will receive a commission of up to 12% of the premium excluding Government fees and charges, plus GST.
BankSA's Privacy Statement is available at banksa.com.au/privacy/privacy-statement 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.