BSB 805 050

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BSB 805 050

Get insurance

Knowing what insurance to take out is all about knowing what’s important to you

Insurance is our policy

 

 

 

 

Is it yours?

Insurance is designed to protect you, your car, your home and contents, your family and your assets — even some things you may not have thought about, like what happens if you have an accident and are unable to work.

If things do go wrong, your insurer may either repair or replace the items that have been lost or damaged, or provide a cash settlement, depending on the type of insurance and the terms of your policy.

What should be insured?

When thinking about what to insure, take stock of all the things in your life that are meaningful to you, financially or otherwise. Consider factors, such as your age, marital status and lifestyle and take into account your assets, possessions and dependents.

Generally, if you can’t risk losing it or making a loss on it, you should consider insuring it.

General insurances help us protect ourselves and the things we value, such as our homes, our cars and our valuables, from the financial impact of risks, big and small – from fire, flood, storm and earthquake, to theft, car accidents, travel mishaps – and even from the costs of legal action against us.

It’s important to choose the right level of cover by choosing the right kind of policy with the features you need.

Paying a premium

What's a premium

Your premium is the amount you pay an insurer for insurance cover. Your premium reflects what the insurer believes is the likelihood you will make a claim and also includes the insurer’s business costs, state and territory stamp duties and levies, and the Goods and Services Tax (GST). These taxes can add a significant amount to the sum the insurer requires you to pay for the policy.

Is it really worth it?

While insurance can seem expensive, not having the right level of cover can end up costing you more. Finding the balance between the cover and a premium you’re comfortable with is the most important step to avoid any surprises about your cover when a claim is lodged.

Tip

The amount you have to pay is shown in the policy schedule, which the insurer will send you when the cover has been arranged.

Get a quote and get covered

It's never too early or too late to start protecting yourself against life’s risks. Getting a quote from us is free, so check out our range of insurance products and get covered today.

If you decide to take out a policy with us and are not already a People’s Choice member, you will need to become one – it’s easy and has many benefits

Learn more

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Thank you for your enquiry. Unfortunately we don’t have a branch in this area, so please call us on 13 11 82 to see how we can still help you.

Terms, conditions and exclusions apply and are available on application.

The information above is general advice only and does not take into consideration your personal objectives, financial situation or needs (“your personal circumstances”). Please consider the relevant Disclosure Documents and your personal circumstances before making any decision to purchase the products. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.

CGU is the issuer of General Insurance (including Travel Insurance) and Mortgage Repayment Insurance. The insurer of the Life and Trauma cover is AMP Life Limited ABN 84 079 300 379 AFSL No. 233671 (AMP). CGU administers the Life and Trauma cover on behalf of AMP and CGU’s liability under that policy 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.
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 Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance.

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