BSB 805 050

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BSB 805 050

Car Insurance

Our Car Insurance lets you pick and choose your level of cover, so you’ll only pay for what you want

Flexible cover and value for money car insurance

When you’re driving, sometimes things can go wrong, and after countless test drives you want to protect your shiny, new purchase. We’ve teamed up with CGU, one of Australia’s most trusted and credentialed insurers, to provide flexible cover and value for money car insurance that’s got you covered.

CGU's range of policies covers you for the most common types of theft and damage. They also come with the flexibility of extra features and benefits that you can choose to add or leave out. That way, you’re only paying for what you want.

Plus a quick and easy claim process means you’ll drive away smiling.

With our car insurance policy you can enjoy:

  • Choice of repairer, with a repair guarantee
  • Choice of Market or Agreed value policy
  • Fortnightly, Monthly or Annual payments available at no extra cost
  • Choice to pay by direct debit or credit card

We've got levels of cover to suit you:

  • Comprehensive
  • Third Party Fire & Theft
  • Third Party Property Damage

We can provide everyone with a quote, but to take the quote to policy, you must be a member of People’s Choice Credit Union. Get more information or apply to become a member.

Get a quote online today, call 13 11 82 or visit your nearest branch - it’s quick and easy.


Compare the benefits of our car insurance cover options

 ComprehensiveThird Party Fire & TheftThird Party Property Damage
Discounts available
Club 55 account holders Yes No No
Nominated Driver (Minimum age 25 years) Yes Yes Yes
Nominated Driver Low Kilometre (Minimum age 25 years; under 10,000 km per year) Yes No No
Basic Excess – multiple options Yes Yes Yes
Uninsured motorist caused damage to your vehicle Full cover Up to $5,000 Up to $5,000
Earned no claim bonus protection Yes No No
Replacing your vehicle after a total loss Yes Yes (Caused by Fire or Theft) No
Hire vehicle costs after theft or attempted theft Yes Yes No
Liability cover $30m $30m $30m
FREE: Windscreen Extension Option Yes No No
Trailer attached to your vehicle Yes No No
Baby capsules and child seats Yes No No
Emergency repairs Yes Yes No
Personal items Yes No No
Re-coding of locks and barrels after theft of keys Yes Yes No
Removal of debris Yes Yes No
Storage costs Yes Yes No
Towing your vehicle Yes Yes Yes
At-fault Claim Protection options Yes No No

Please refer to the Motor Insurance Product Disclosure Statement for full details of cover limits and terms and conditions.




  • Why do I have to pay an age excess?

    Insurance research shows drivers under 25 have a higher likelihood of lodging a claim where they are at fault. To compensate for that, an age excess applies if you are at fault in an accident.

  • Can I get a discount if I have an alarm fitted?

    No. Our claims experience suggests theft of vehicles, and thefts from vehicles, does not differ significantly enough to warrant a further discount between vehicles with and without alarms.

  • What is the difference between Comprehensive, Third Party Fire and Theft and Third Party Property Damage Motor Vehicle Insurance?

    Comprehensive provides cover for loss or damage to your vehicle in the event of an accident, fire or theft. It also covers your legal liability for loss or damage to another person's vehicle or property.

    Third Party Fire and Theft provides cover damage to your vehicle by fire and theft only and your legal liability for loss or damage to another person's vehicle or property.

    Third Party Property Damage provides cover for your legal liability for loss or damage to another person's vehicle or property - however, it does not cover damage to your car. Find out more about People's Choice Credit Union Car Insurance.

  • My child under 25 drives the car occasionally. Do they need to be listed as a nominated driver?

    If you have a Nominated Driver Motor Vehicle Insurance Policy or a Nominated Driver Low Kilometre Motor Vehicle Insurance Policy, you will need to update your policy to a standard Motor Vehicle Insurance Policy as the Nominated policies do not cover any loss, damage or liability if your vehicle is driven by someone who is under 25 years of age.

  • Why is there so much variation in pricing between insurance providers?

    While the static item in an insurance quote is the type of car and where you live, insurers pricing includes a range of elements including what is covered in the policy and the dollar limits of each cover. Other elements affecting price are how much you drive your vehicle, and how many people drive your vehicle. Therefore it is important for you to check your insurance policy to make sure it has the level of protection that best suits your needs, and take advantage of any discounts that may be available.

  • Will I have to pay an excess if the accident was not my fault?

    If it's agreed the incident was not the fault of the driver of your vehicle, and we are provided with the contact details of the person who caused the incident, including their name, current residential address and vehicle registration, and who they are insured with, you won't need to pay your excess.

  • What does 'agreed value' mean?

    Agreed value is the amount we agree to insure your vehicle for and remains fixed for the term of the current policy period. It is adjusted on each renewal and shown on your current schedule. An agreed value policy means that in the unfortunate event of your vehicle being declared a total loss, you know what you'll be covered for, regardless of changes in the market. This value includes modifications, manufacturers' options and accessories that we have agreed to insure.

  • I'm in the process of buying and selling a new car, what happens to my insurance during this time?

    We will provide temporary cover if you permanently replace your vehicle in the period of insurance from the date of purchase for a maximum of 14 days.
    All you need to do is contact us with the full details of the replacement vehicle within 14 days of taking ownership of the vehicle. A new premium for your replacement vehicle will need to be calculated.

  • What is an excess?

    When you make a claim you may need to contribute an amount towards the cost of that claim. This is called an excess.

  • How do I claim?

    Making a claim is easy. Just call CGU on 13 24 80 and quote your policy number. You can make a claim 24 hours a day, seven days a week.

    Have an existing policy? Here is a list of contact details for our insurers.

  • What does 'market value' mean?

    The amount of money it would cost to replace your vehicle in your local area with an identical vehicle. This takes into account the condition of your vehicle. It also includes any GST and stamp duty you must pay for the transfer of ownership of the replacement vehicle.

  • Do I have a choice of either agreed or market value?

    You have a choice to insure your vehicle for either an agreed value or the market value.

  • If I have an existing insurance policy, can my no claim bonus be transferred over?

    We base our no claim bonus on your driving history not your insurance history, even if you haven't had insurance in your name in the past.


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.

Subject to the product issuer’s underwriting rules and acceptance guidelines.
Terms, conditions and exclusions apply and are available upon 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 Product Disclosure Statement (PDS), other Disclosure Documents and your personal circumstances before making any decision to purchase the products.
General insurance (including Travel Insurance) is issued by CGU Insurance ABN 27 004 478 371 Australian Financial Services Licence No. 238291.
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 CGU Insurance Limited, ABN 27 004 478 371, AFSL 238291 (CGU).

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