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St.George Car Insurance

St.George is an Australian bank which offers a range of products, including car insurance. Read our review to learn more about its services!

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, updated on February 16th, 2024       

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St.George is an Australian financial institution owned by Westpac. It has branches throughout Australia’s eastern states, while it also has locations throughout South Australia as BankSA and Victoria as Bank of Melbourne. While it specialises in banking products, it does offer car insurance, which is issued by Allianz.

Our review breaks down the policies available through St.George and the inclusions, benefits and disadvantages of its service. Find out more about what you can be covered for here today!

Disclaimer: all coverage offered by St.George is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact St.George if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent St.George for its car insurance products. All listed policies, inclusions and limits are correct as of July 2023.

St.George car insurance

What car insurance policies are available through St.George?

St.George offers the following types of car insurance to Australian drivers:

Comprehensive Car Insurance

Comprehensive insurance is the highest level of cover provided by St.George, offering more protection for damage to your vehicle among other areas. The areas which can be covered under this Comprehensive Car Insurance include:

  • Accidental loss of or damage to your car (including theft) during the period your insurance policy is active
  • Up to $20 million in legal liability cover for damage to other people’s property caused by you or another individual driving your car (or substitute vehicle while yours is repaired after a covered incident)
  • Supplementary cover for bodily injury caused in a covered event you’re liable for (up to $20 million)
  • Reimbursement for personal items damaged in a covered incident or stolen from your locked car (up to $1,000)
  • Cover for damaged or stolen baby capsules or child seats inside your car (up to $500)
  • Reimbursement of reasonable costs for a hire car after theft or attempted theft until your car is found undamaged, repaired or claim is settled, up to a maximum of 30 days and $100 per day
  • Reimbursement of reasonable costs for towing and storing your vehicle if it's deemed unsafe to drive after a covered event
  • Replacement of your car with a new model of the same make, model, engine and features (if available in Australia) if it’s declared a total loss after being purchased new or ex-demo and less than two years old from first registration
  • Coverage for emergency or temporary repairs to ensure your car is safe to drive (up to a limit of $500)
  • Reimbursement of reasonable costs for emergency transport home or accommodation if your car is deemed unsafe to drive due to a covered incident and you're over 100km from where it’s typically parked at night (up to $1,000 per claimable event)
  • If your keys are stolen by someone who isn’t a family member, housemate or invitee, coverage for replacement keys and recoding of your car's locks (up to a limit of $1,000)
  • Reimbursement of costs for travel required to return you, your partner and/or dependents to your home and/or to collect your vehicle (up to $500 per incident)
  • Cover for damage to, or loss of, a trailer or caravan attached to your vehicle (lesser of market value and $1,000)
  • Temporary cover for a replacement vehicle after you sell or give away your current car and gain a new one (equivalent cover as set out in your existing policy for up to 14 days)
  • Quality of repairs guaranteed by St.George
Third Party Property Damage Car Insurance

The least comprehensive and cheapest cover, third party property damage is designed more to protect you against having to fork out large sums in the event you damage someone else’s property. St.George’s Third Party Property Damage Car Insurance includes:

  • Up to $20 million in legal liability cover for damage to other people’s property caused by you or another individual driving your car (or substitute vehicle while yours is repaired after a covered incident)
  • Supplementary cover for bodily injury caused in a covered event you’re liable for (up to $20 million)
  • Damage to your vehicle caused by an uninsured driver (up to $5,000)
  • Quality of repairs guaranteed by St.George

Are there any optional extras available through St.George?

Yes – St.George offers several optional extras on its Comprehensive Car Insurance policies. These are:

  • Reimbursement of reasonable costs for a hire car after a covered event until your car is repaired or your claim is settled, up to a maximum of 30 days and $100 per day (or extended by St.George to the extent the delay is its fault)
  • One covered replacement and two covered repair claims for windscreen, window or sunroof glass without an excess charged per period of insurance (provided claims relate solely to glass damage)
  • Cover for tools of trade, trade stock and materials accidentally lost or damaged (subject to terms and conditions, up to $3,000 per incident)

What are some of the pros and cons of buying car insurance through St.George?

  • Extensive hire car cover after theft: while many insurers will allow you to claim for the cost of a hire car following the theft of your vehicle for up to 14 to 21 days, you can do so for up to 30 through St.George.
  • Liability and personal injury cover: George not only offers legal liability cover for third party property damage but also includes protection for up to $20 million if you injure someone in a covered event.
  • Choice of repairer: you’ll have a choice of repairer on your car insurance policy, provided it meets the relevant insurer requirements.
  • No automatic hire car cover after not-at-fault accident: although it’s available as an optional extra for up to 30 days, you won’t automatically be covered for a hire car if yours is damaged in a not-at-fault motor accident.
  • Limited product selection: you can only choose between Comprehensive and Third Party Property Damage policies, with St.George no longer offering any third party fire and theft cover.

Common questions about St.George car insurance

Are there any discounts available when buying car insurance through St.George?

Yes – as of July 2023, you can receive a discount of up to 15% on your first year of Comprehensive Car Insurance premiums when you buy your policy online, provided you satisfy safe driver eligibility criteria. This may mean avoiding making repeated small claims, such as for scratches and dents.

Does St.George offer roadside assistance?

No – you won’t be able to purchase roadside assistance through St.George alongside your car insurance policy. The issuer of its policies, Allianz, does offer roadside assistance through its own site, while there’s a range of other insurers and specialist services you may be able to choose from if you’re after this type of coverage.

In what states does St.George offer car insurance in Australia?

St.George offers car insurance products for drivers in all states and territories in Australia.

How do I make a claim through St.George?

The process of making a car insurance claim is conducted via Allianz, with whom you can either submit your claim online or over the phone 24/7.

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Savvy (ABN 78 660 493 194, ACR 541 339) provides readers with a variety of car insurance policies to compare. Savvy earns a commission from our partnered insurers each time a customer buys a car insurance policy via our website. All purchases are conducted via our partners’ websites. The integrity of our comparison service is unaffected by our partnerships with those businesses and our effort remains to bring further brands that do not already use our comparison service onboard.

Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.

St.George car insurance

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