Motor Vehicle Insurance

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, 7 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 555 030 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.  

2Offer valid for new Heritage Bank comprehensive motor insurance policies. 12 months roadside assistance membership is provided by AWP Australia Pty Ltd ABN 52 097 227 177, trading as Allianz Global Assistance. Full terms and conditions available at allianz.com.au/roadside.

* Heritage Bank Limited ABN 32 087 652 024. AFSL and ACL 240984 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz). Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement available from heritage.com.au. If you purchase this insurance, we receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.*Competition runs from 29/05/17 – 28/07/17. Prize is drawn on 02/08/17 at Anisimoff Legal, Suite 5, Erina Plaza, 210 Central Coast Highway, Erina NSW 2250. Winner’s name published in The Australian on 05/08/17. Authorised under NSW Permit No: LTPS/17/13353, ACT Permit No: TP17/00729, SA Permit No: T17/677. Promotion terms and conditions available here or at allianz.com.au/prize. Promoter is Allianz.

* Home loan comparison rate based on a $150,000 loan over 25 years.  Fixed loan comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to $249,999.  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.

Interest rates are on a per annum basis. Rates are correct as stated and subject to change without notice. Rates shown are for new loans and do not apply to switches or internal refinances.

Home Advantage Variable rates include discounts shown from the Standard Variable rate. Home Advantage Living Equity rates include discounts from the Living Equity rate. Discounts are based on total lending in the package. Discount Variable LVR rates are for new lending and include discounts from the Discount Variable Loan Rate.  Discounts are not available in conjunction with any other interest rate discount or special offer. All fixed rates are fixed for the period stated and revert to the variable rate applying at expiration of the fixed term. To approved applicants only. Conditions, criteria and fees apply.

Loan to Value Ratio (LVR) is the loan amount divided by the value of your security property (determined by Heritage Bank at assessment), multiplied by 100. Owner Occupied loans have a maximum LVR of 95%, Investment loans have a maximum LVR of 80% and Living Equity has a maximum LVR of 80%. Heritage is not accepting any new investment applications until further notice.

This advice has been prepared without taking into account your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs.

Generate a personalised Key Fact Sheet based on your loan amount, term and repayments. This tool is provided to help you compare home loans from Heritage with other financial institutions.