Motor Insurance

Police Credit Union Motor Insurance has a great range of features and benefits designed to suit customers with different needs.

With a 24/7 online claims lodgement service
A monthly payment option³ and a choice between Comprehensive and Third Party Property Damage cover
Gives you the flexibility so you can choose to manage your Car Insurance in a way that suits you

Why choose Police Credit Union Comprehensive Motor Insurance?

Up to 10% discount on your first year’s premium when you quote and buy a new Comprehensive Car Insurance policy online^1,2
Choose your own repairer⁶
You can make a claim online or call 1300 555 030 for claims service 24 hours, 7 days a week
You may be able to increase your excess to reduce your premium¹
Rental car for up to 30 days⁴ if your car is stolen ($100 per day limit)
Safe driver discount for eligible drivers^1,5

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Find the cover that’s right for you

Police Credit Union Motor Insurance has a great range of features and benefits designed to suit your needs.

Comprehensive Motor Insurance
	Allianz’s highest level of cover for your vehicle
	Cover for fire, theft, accidents, malicious damage and legal liability costs
	Covers your vehicle, plus damage you cause to other people’s vehicles or property

Third Party Property Damage Motor Insurance
	Covers your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident that’s partly or fully your fault
	Approved legal liability costs
	Your own vehicle isn’t covered by this type of insurance

Compare Motor Insurance

Motor Insurance product comparison

This is a summary only. For information on what is covered and not covered and the standard terms, conditions, limits and exclusions of cover, please read the Product Disclosure Statement.

Key benefits
	Comprehensive Cover	Third Party Property
	Get a quote	Get a quote
Accidental loss of or damage to your vehicle
New for old replacement after a total loss will be for a vehicle of the same make, model, engine size, features and paint type if: you bought your vehicle new, or as a demonstrator model, from the manufacturer or their dealer your vehicle is less than two years old from its first registration at the time it’s declared a total loss where relevant, your financier has given its written consent a new replacement vehicle is available in Australia
Legal liability cover is for loss or damage you cause to other people’s cars or property and for supplementary bodily injury arising out of a single accident or a series of related events – Up to $20 million
Approved legal costs arising from a claim for liability covered by the policy
Emergency repair costs after an accident – Up to $500 for any one covered accident
Rental car after theft of your vehicle – $100 per day limit, up to 30 days⁴
Towing after a covered incident
Temporary cover on replacement vehicle – Up to 14 days
Trailer and caravan cover – $1,000 or market value, whichever is less
Legal liability cover for a substitute vehicle
Cover for personal items in your vehicle – up to $1,000 for any one incident
Emergency accommodation and travel expenses after a covered accident, provided that your vehicle was more than 100 km from where it’s normally parked at night. – Up to $1,000 for any one incident
Transportation costs if your vehicle can’t be safely driven home after a covered accident. – Up to $500 for any one incident
Lock re-keying / re-coding if the keys to your vehicle are stolen – up to $1,000 for any one incident
Child seat or baby capsule replacement after an accident – Up to $500 for any one covered accident
Rental car after an accident, where available⁴ – Optional cover (extra cost) $100 per day limit, up to 30 days
Basic excess removal for windscreen claims If the broken windscreen is the only damage to your vehicle, you can get one replacement and two repairs in any period of insurance. – Optional cover (extra cost)
Cover for tools of trade – Optional cover (extra cost) Up to $3,000 for any one incident
Named driver option – Optional excess

Comprehensive Motor Insurance

What does Police Credit Union Comprehensive Motor Insurance cover?

Comprehensive Motor Insurance covers your vehicle, plus damage you cause to other people’s vehicles or property. Here’s a summary of the features and benefits, as well as optional covers you can add to your policy.

Included benefits
	Accidental loss of or damage to your vehicle Cover includes theft, fire, flood and storm, including hail damage, subject to your policy’s terms and conditions, limits and excess.
	New for old replacement of a new vehicle after a total loss If your new vehicle is stolen or written off, Allianz may replace it with one of the same make and model if the following conditions are met: Your vehicle is less than two years old from its first registration at the time it’s declared a total loss. You bought your new vehicle, or demonstrator model, from the manufacturer or their dealer. Where relevant, your financier has given their written consent. A new replacement vehicle of the same make and model is available in Australia.
	Legal liability cover Covers your legal liability for loss or damage to other people’s property and for supplementary bodily injury – up to $20 million for any one event or series of related events.
	Approved legal costs from a liability claim Covers legal costs, as approved by Allianz, from a claim that’s covered by your policy.
	Emergency repair costs after a covered accident Allianz will reimburse the cost of necessary emergency repairs that enable you to drive your vehicle home after a covered accident – up to $500 for any one incident.
	Rental car after theft of your vehicle If your vehicle has been stolen, Allianz will pay for a rental car – $100 per day, for up to 30 days.⁴
	Towing after a covered incident Allianz will pay the reasonable cost of protection, removal and towing of your vehicle after a covered accident to the nearest repairer, place of safety or any other place they agree to.
	Temporary cover on a replacement vehicle Allianz will provide cover for your replacement vehicle for 14 days.
	Trailer and caravan cover Allianz will pay up to $1,000, or the market value of your trailer or caravan, whichever is less.
	Legal liability cover when using a substitute vehicle
	Cover for personal items in your vehicle Allianz will pay up to $1,000 for any one incident.
	Emergency accommodation costs Cover for reasonable emergency accommodation costs and travel expenses after a covered accident, provided that your vehicle was more than 100 km from where it’s usually parked at night – up to $1,000 for any one incident.
	Transportation costs If your vehicle can’t be driven safely home after a covered accident, Allianz will pay up to $500 for any one incident for travel necessary to get you home.
	Lock re-keying or re-coding if your vehicle’s keys are stolen Allianz will pay up to $1,000 for any one incident.
	Replacing a child seat after a covered accident Cover for the replacement of a child seat or baby capsule in your vehicle at the time of a covered accident – up to $500 for any one incident.

Optional benefits
	Rental car after an accident, where available If you can’t use your vehicle following an accident, this optional benefit will pay $100 per day, up to 30 days for a rental car. This option will extend your rental car or daily travel allowance period if they caused or contributed to the delay in repairing your vehicle.
	Basic excess removal for windscreen claims If the broken windscreen is the only damage to your vehicle, you can get one replacement and two repairs in any period of insurance.
	Cover for tools of trade This optional benefit will pay up to $3,000 for any one incident.
	Unnamed driver excess

This is a summary only. For information on what’s covered and what’s not covered and the standard terms, conditions, limits and exclusions of cover, see the relevant Product Disclosure Statement (PDS).

Ready to get started?

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Third Party Property Damage Motor Insurance

Is Third Party Property Damage Motor Insurance right for you?

Third Party Property Damage Motor Insurance covers your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident that’s partly or fully your fault.

Included benefits
	Legal liability cover for loss or damage to other people’s property and for supplementary bodily injury – up to $20 million
	Legal liability cover when using a substitute vehicle
	Approved legal costs from a legal liability claim that’s covered by the policy
	Uninsured Motorist Extension, covers for loss or damage to your vehicle arising from an accident caused by the driver of an uninsured vehicle – up to $5,000 for any one incident

Not Included
	Cover for accidental loss of or damage to your vehicle
	Fire and theft cover isn’t included
	Compulsory Third Party (CTP) Insurance is a different type of insurance that’s not included

To lodge a Car Insurance claim

Online or over the phone, any time

A convenient way to lodge a Car Insurance claim is via the online claim form.

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

Secure form
No phone queues
Immediate confirmation number for your reference

You can also call 1300 555 030 and a consultant will help you commence the claims process.

General enquiries
Call 1800 097 199

Get in touch

To find out more, speak to our friendly staff:

Call 1300 131 844 during business hours
Email us at [email protected]
Visit a branch

Mail: PO Box 6074 Halifax Street PO, Adelaide SA 5000

If any of your CDR data is incorrect, please contact us. You can also send a Secure Message via the Inbox in Online Banking or the Banking App. We will not charge any fee for requests to correct customer CDR data.

If you have a complaint or an issue, please read about our complaints process here.