Motor Vehicle Insurance

Save up to 25% on your car insurance*

Make sure you’re ready to enjoy this summer season with comprehensive car insurance and you could save up to 25%*.

Ways to save:  

  • Up to 10% safe driver discount
  • Up to 10% online discount
  • Further savings when you restrict the cover to drivers over 25 only

Heritage Motor Insurance provides you with a great range of features as well as optional benefits so that you can tailor your cover to suit your needs. Plus, when you buy a new Heritage Motor Insurance policy you’ll also receive Roadside Assistance for the first 12 months Australia-wide, 24 hours a day, 5 days a week. 

Choice of Car Insurance Products

Comprehensive Insurance 

Our highest level of cover for your vehicle which includes cover against fire, theft, accidents and malicious damage. It also covers your legal liability to pay compensation for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault.

Third Party Fire & Theft 

Provides cover against accidental loss of or damage to your vehicle caused by fire or theft. It also covers your legal liability to pay compensation 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

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

 

Compare Car Insurance

Third Party Property DamageThird Party Fire and TheftComprehensive Insurance

This is a summary only. For full details of the conditions, limits and exclusions on all our cover options, please refer to the PDS. 

Third Party Property DamageThird Party Fire and TheftComprehensive Insurance
Key BenefitsGet a QuoteRetrieve QuoteGet a QuoteRetrieve QuoteGet a QuoteRetrieve Quote
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Cover for your legal liability to pay compensation for damage to other people's property
Up to $20,000,000
TickTickTick
Legal liability cover when using a substitute vehicle
Legal costs
Rental car after theft
$100 per day limit
Up to 30 daysUp to 30 days
Reasonable cost of towingAfter fire or theft of your vehicleAfter a covered accident
More BenefitsGet a QuoteRetrieve QuoteGet a QuoteRetrieve QuoteGet a QuoteRetrieve Quote
Trailer and caravan cover$1,000 or market value of the caravan or trailer, whichever is the lesser.
Emergency repairsUp to $500
Personal itemsUp to $1,000
Transportation costsUp to $500
Lock re-keying and re-codingUp to $1,000
Emergency accommodation and travelling expensesUp to $1,000

How to Claim

To make a car insurance claim

Online, any time

The most convenient way to make a car insurance claim is via the online claim form. You can submit your car insurance claim notification 24 hours a day, 7 days a week, whenever it suits you.

All you need to do is complete the online claim form.  Once it is lodged, a friendly claims consultant will contact you as soon as possible.

  • Secure form
  • No phone queues
  • Immediate confirmation number for your reference



Over
the phone - 24 hours a day, 7 days a week claims hotline

You can call the claims hotline on 1300 555 013 and a consultant will help you with the claims process.



For detailed information on the cover and limits provided, you should read the Motor Insurance Product Disclosure Statement (pdf, 2.52MB) 

Heritage Bank Limited, ABN 32 087 652 024, AFSL and Australian Credit Licence 240984 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply.  Before making a decision please consider the Product Disclosure Statement. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.  

1 Minimum premiums may apply. Any discounts / 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, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts / entitlements.  

2 Safe Driver Discount applies to new Motor Insurance policies with comprehensive cover only. To be eligible for a safe driver discount; the ratable driver must be aged 30 years or over; the insured (owner) must have held a maximum no claim bonus for the last five consecutive years; and all nominated drivers must have had no at fault claims for the last five years.  

3Offer valid for new Heritage Bank comprehensive motor insurance policies. 12 months roadside assistance membership is provided by AGA Assistance Australia Pty Ltd ABN 52 097 227 177, trading as Allianz Global Assistance. Full terms and conditions available at allianz.com.au/roadside.

*Up to 25% discount is a combination of three discounts: up to 10% discount for buying online, up to 10% Safe Driver Discount and 5.8% discount for restricting the cover to drivers over 25 years old only. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. Discounts may not be applied to any flood component of the premium (if applicable). Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless stated otherwise).

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.