Car Insurance

Heritage offers Comprehensive Motor Insurance with a great range of features and additional benefits designed to suit customers with different needs. 

Car Insurance Products

Comprehensive Insurance

The highest level of cover we offer for your vehicle, which provides cover for fire, theft, accidents and malicious damage. It also covers your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident which is partly or fully your fault.

Third Party Property Damage Insurance

Covers your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident which is partly or fully your fault.
 

By proceeding to get a quote, you agree to receive the Financial Services Guide on our website. 

Switch your insurance to Heritage and deal with the people you know.

Take out a new Home & Contents or Landlords Insurance policy through Heritage Bank by 30 September 2020 and you could win your first year's insurance premium back.* Competition open to Queensland and New South Wales residents only. Conditions apply.*

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Comprehensive Insurance

  • Rental car for up to 30 days (maximum $100 per day) if your car is stolen
  • Safe driver discount for eligible drivers1,2
  • Choice of repairer
  • 24/7 claims lodgement service
  • You may be able to save on your premium when you select the Named Driver option and list all your drivers on the policy1
  • You may be able to increase your excess to reduce your premium1
Compare Car Insurance Features

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Product Disclosure Statement.

Rental car after theft of your vehicle

Comprehensive Yes. $100 per day limit for up to 30 days
Third Party Property Damage  No

Reasonable cost of towing after a covered accident

Comprehensive Yes
Third Party Property Damage No

Trailer and caravan

Comprehensive  Yes.
Up to $1,000 or market value of the caravan or trailer, whichever is the lesser.
Third Party Property Damage No

Cost of emergency repairs after a covered accident

Comprehensive  Yes. Up to $500 for any one incident.
Third Party Property Damage No

Cover for personal items in your vehicle

Comprehensive  Yes. Up to $1,000 for any one incident.
Third Party Property Damage No

Cover for transportation costs if your vehicle cannot be safely driven home after a covered accident

Comprehensive  Yes. Up to $500 for any one incident.
Third Party Property Damage No

Lock re-keying and re-coding, if the keys to your vehicle are stolen

Comprehensive  Yes. Up to $1,000 for any one incident.
Third Party Property Damage No

Cover for reasonable additional accommodation & travelling expenses after a covered accident

Comprehensive  Yes. Up to $1,000 for any one incident if more than 100km away from home.
Third Party Property Damage No

Legal liability cover

Cover for legal liability for loss or damage to other people's property and legal liability for supplementary bodily injury - up to $20 million for any one event or series of related events

Comprehensive Yes, up to $20,000,000
Third Party Property Damage Yes, up to $20,000,000

Legal liability cover when using a substitute vehicle

Comprehensive Yes
Third Party Property Damage Yes

Approved legal costs arising from a claim for liability covered by the policy

Comprehensive  Yes
Third Party Property Damage Yes

By proceeding to get a quote, you agree to receive the Financial Services Guide on our website. 

How To Claim

Claim online anytime

Car insurance claims can be made online at any time with the online claim form. Once lodged, a friendly claims consultant will contact you as soon as possible. 

Online claim forms are a secure way to make an insurance claim, with no phone queues and the ability to receive an immediate confirmation reference number.
 

Claim via phone anytime

Call the claims hotline on 1300 555 030 – 24 hours a day, 7 days a week.

For the standard terms, conditions, limits and exclusions of cover, please read the Motor Insurance Product Disclosure Statement.
 
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