Car Insurance

Car theft and other damage can be inconvenient and expensive, and can happen to anyone. Make sure you’re covered if it happens to you.

Asset ALT

Our claim process is quick and easy to make sure you’re back on the road as quickly as possible. And, we understand the importance of a no claim bonus and offer a number of options to help you keep yours.

We can also cover damage to your motorcycle and the damage it may cause to someone else’s vehicle or property.

To make things easier we’ll cover you straight away and don’t charge extra if you want to pay by the month. Claims are easy to make over the phone with no messy paperwork. 

Apply online, have a chat with us on 13 11 82 or visit a branch.

Benefits, rates and fees

Features & Benefits:

  • Easy application process – just apply or get a quote online
  • No extra charges for paying by the month
  • Choice or 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 over
  • ‘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.

1 Terms and conditions apply please refer to PDS.

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

General Insurance (including Travel insurance) issued by CGU Insurance Ltd ABN 27 004 478 371 AFSL 238291(CGU). This information must be read in conjunction with the Product Disclosure Statement (PDS) which sets out the full details of cover plus explanations and any applicable limits and exclusions. The PDS can be obtained from any branch or downloaded from this website.

People's Choice Credit Union, a trading name of Australian Central Credit Union Ltd ABN 11 087 651 125 AFSL 244310 acts under agreement with CGU Insurance Ltd ABN 27 004 478 371. When you take out a policy with the providing entities through us, the providing entities pay commission at rates which range from 0% - 30% of the base premium.

This information and advice is general advice only and is provided without reference to your personal circumstances so you should consider whether this product fits your objectives, financial situation and needs. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk with a consultant.