Bills cover 

Classic Bills Cover from our partner St Andrew's helps you protect your bills and other daily living expenses should you be unable to work as a result of one of the insured events.


Benefits paid directly to you

Benefits are paid directly to you so you can spend the money as you wish.

Includes automatic life cover 

No underwriting required.

Protection to suit your lifestyle 

Help cover your mortgage, rent, groceries, fuel, education, clothes and more. 

How it works 

Think about what aspects of your life you'd like to cover - bills, groceries, fuel, education fees and more - so that you're protected if your situation changes.

Choose the amount of cover (benefit amount) you need - up to $3,900 per month. Your premium is then paid fortnightly or monthly by direct debit from your nominated bank account or credit card.

Benefits are paid directly to you if you become unable to work due to accidental injury or illness. Provided you are not self-employed, you can also choose to be covered for involuntary unemployment.

Get a quote 

You can only apply for Classic Bills Cover online. To be eligible for this product, you must be:

  • Aged 18 to under 61 years old
  • An Australian resident
  • Employed or self-employed (some limitations apply).

Make a claim 

To make a claim on an existing Classic Bills Cover policy, please call St Andrew's between 9am and 7pm (AEST) weekdays.

Things you should know 

Classic Bills Cover insurance is issued by St Andrew's Insurance (Australia) Pty Ltd AFSL 239649 and St Andrew’s Life Insurance Pty Ltd (collectively St Andrew’s) ABN 98 105 176 243, AFSL 281731 of PO Box 7395 Cloisters Square, WA 6850. This product is not a product of and is neither guaranteed nor recommended by Bankwest or any of its related companies. St Andrew's is not an Authorised Deposit Taking Institution. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation or needs. To decide if the product is right for you and for full terms and conditions (including limitations and exclusions), please read the Product Disclosure Statement. If you take out a policy, St Andrew’s will pay Bankwest a commission of up to 20% of premiums. This commission is included in the premium you pay and is not an additional cost to you.