Car Insurance

Discount your car insurance when you exclude drivers under 25, and get even more savings by driving less than 10,000 kms per year.  Through CGU, we can offer you affordable cover you can count on.

Asset ALT

With your choice of repairer, market or agreed value, no claim bonus protection, discounts for traveling under 10,000km per year and new car replacement (with conditions) plus a quick and easy claim process, you’re well looked after with our car insurance.

Get a quote, have a chat with us on 13 11 82 or visit a branch.

What's in the policy?

  • Easy application process – just apply or get a quote online
  • Fortnightly, Monthly or Annual payments available at no extra cost
  • Choice to pay by direct debit or credit card
  • Choice of repairer, with a repair guarantee
  • Choice of Market or Agreed value policy

Optional Additional Cover:

  • Extra discounts available if you travel less than 10,000 kilometres each year or only allow drivers aged over 25 years and over1
  • ‘No Claim Bonus Protection’ options including one at-fault or all at fault per year1

What am I covered for?

  • One free windscreen or window replacement per year on all comprehensive policies (retain no claim bonus and pay no excess)
  •  ‘Earned No Claim Bonus Protection’ for one at-fault claim during the policy year without affecting your no claim bonus1
  •  Car hire for up to 14 days if your vehicle is stolen or if it is unsafe to drive as a result of theft or attempted theft
  •  Recoding of locks and barrels after the keys of your vehicle are stolen – up to $1,000
  •  Personal property such as clothing and luggage, if it is damaged in an accident, or stolen from a locked car up to $500
  •  Coverage of baby capsules and child seats if damaged in an accident, or stolen from your car
  •  Trailer cover included with comprehensive cover when trailer is attached to your vehicle up to $1,000

 New vehicle replacement if your motor vehicle is written off as a result of an accident if:

  • is less than two years old and not travelled more than 30,000km, or
  • is more than two years old but less than three years and not travelled more than 50,000km, or
  • motorcycle less than one year old.

How do I claim?

  •  Making a claim is easy. Just call 13 11 82 and follow the prompts for insurance. We can help you 24 hours a day, seven days a week.

Find out information on existing policies here.

  Get a Quote  

1 Terms and conditions apply please refer to PDS.

Subject to the product issuer’s underwriting rules and acceptance guidelines.

Terms, conditions and exclusions apply. This information is general advice and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Please consider the relevant Product Disclosure Statement (PDS) and your personal circumstances before deciding whether a product is right for you. The relevant PDS is available to download from this website or from any People’s Choice Credit Union branch.

People’s Choice Credit Union, a trading name of Australian Central Credit Union Ltd. ABN 11 087 651 125 Australian Financial Services Licence 244310, acts under its own Australian Financial Service Licence and under an agreement with the insurer CGU Insurance Limited, ABN 27 004 478 371, AFSL 238291 (CGU).

CGU is the issuer of General Insurance (including Travel Insurance) and Mortgage Repayment Insurance. For the Life and Trauma covers included in the Mortgage Repayment Insurance and for the Life Insurance cover, CGU holds an insurance policy issued by  National Mutual Life Association of Australasia Ltd ABN 72 004 020 437 AFSL No. 234 649 (NMLA), a member of AMP Group. CGU administers the Life and Trauma cover and the Life Insurance cover on behalf of NMLA and CGU’s liability under these policies is limited to the administration of that cover including the management of claims.

All our insurance issuers pay commission at rates which range from 0% - 40% of the base premium. The commission rate varies depending on the type of insurance.

Copyright © 2014 People's Choice Credit Union, a trading name of Australian Central Credit Union Ltd
ABN 11 087 651 125    Australian Financial Services Licence (244310) and Australian Credit Licence (244310)    BSB 805-050