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Motor Insurance

Our Motor Insurance has a great range of features and benefits designed to suit customers with different needs. You get the flexibility to choose how you manage your Motor Insurance in a way that suits you with:

  • A convenient 24/7 claims lodgement service
  • The option to pay by the month at no extra cost^
  • Your choice between Comprehensive and Third Party Property Damage cover

Plus, when you buy a new Comprehensive Motor Insurance policy, you’ll also receive Roadside Assistance at no extra cost for the first 12 months Australia-wide, 24 hours a day, 7 days a week.1

Get a Quote

Choose Comprehensive Motor Insurance and get:

  • Up to 10% discount on your car insurance policy when you buy online2,3
  • Choose your own repairer
  • 24/7 claims lodgement service

Get a Quote

Choice of Motor Insurance Covers

Comprehensive Insurance Third Party Property Damage
The highest level of cover we offer for your vehicle which provides cover for fire, theft, accidents and malicious damage. It also covers your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident which is partly or fully your fault. Covers your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident which is partly or fully your fault.

Compare Comprehensive Insurance & Third Party Property Damage

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Product Disclosure Statement.

Comprehensive Insurance Third Party Property
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Key benefits
Cover for accidental loss of or damage to your vehicle
New for old replacement of a new vehicle after a total loss, if:

  • you purchased your vehicle new (or as a demonstrator model) from the manufacturer or their dealer;
  • your vehicle is less than 2 years old from its first registration at the time it is declared a total loss;
  • where relevant, your financier has given its written consent; and
  • a new replacement vehicle is available in Australia.
Cover for your legal liability for loss or damage to other people’s property and legal liability for supplementary bodily injury– up to $20 million for any one event or series of related events
Cover for loss or damage to your vehicle arising from an accident caused by the driver of an uninsured vehicle – up to $5,000, provided that:

  • you did not contribute to the cause of the accident;
  • you can provide the name and address of the person responsible for the accident; and
  • you can provide the registration number of the other vehicle.
Approved legal costs arising from a claim for liability covered by the policy
Cost of emergency repairs after a covered accident – up to $500 for any one incident
Rental car after theft of your vehicle – $100 per day limit, up to 30 days
Reasonable cost of towing after a covered incident
Temporary cover on replacement vehicle – 14 days
Trailer and caravan cover – $1,000 or market value of the trailer or caravan, whichever is the lesser
Legal liability cover when using a substitute vehicle
Cover for personal items in your vehicle  – up to $1,000 for any one incident
Cover for reasonable additional accommodation and travelling expenses after a covered accident, provided that your vehicle was more than 100km from where it is normally parked at night – up to $1,000 for any one incident
Cover for transportation costs if your vehicle cannot 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
Cover for child seat / baby capsule in your vehicle after a covered accident – up to $500 for any one incident
Optional benefits you can add
Rental car following accident, where available – $100 per day limit, up to 30 days
Removal of basic excess for windscreen claims if the broken windscreen is the only damage to your vehicle – 1 replacement and 2 repairs in any period of insurance
Cover for tools of trade – up to $3,000 for any one incident
Options you can select to decrease your premium
Named driver option
Get a Quote Get a Quote

Comprehensive Insurance

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Product Disclosure Statement.

Comprehensive Insurance
Get a Quote
Key benefits
Cover for accidental loss of or damage to your vehicle
New for old replacement of a new vehicle after a total loss, if:

  • you purchased your vehicle new (or as a demonstrator model) from the manufacturer or their dealer;
  • your vehicle is less than 2 years old from its first registration at the time it is declared a total loss;
  • where relevant, your financier has given its written consent; and
  • a new replacement vehicle is available in Australia.
Cover for your legal liability for loss or damage to other people’s property and legal liability for supplementary bodily injury – up to $20 million for any one event or series of related events
Approved legal costs arising from a claim for liability covered by the policy
Cost of emergency repairs after a covered accident – up to $500 for any one incident
Rental car after theft of your vehicle – $100 per day limit, up to 30 days
Temporary cover on replacement vehicle – 14 days
Reasonable cost of towing after a covered incident
More benefits
Trailer and caravan cover – $1,000 or market value of the trailer or caravan, whichever is the lesser
Cover for personal items in your vehicle – Up to $1,000 for any one incident
Cover for reasonable additional accommodation and travelling expenses after a covered accident, provided that your vehicle was more than 100km from where it is normally parked at night – Up to $1,000 for any one incident
Cover for transportation costs if your vehicle cannot be safely driven home after a covered accident – Up to $500 for any one incident
Legal liability cover when using a substitute vehicle
re-keying / re-coding of locks if the keys to your vehicle are stolen – Up to $1,000 for any one incident
Cover for child seat / baby capsule in your vehicle after a covered accident – Up to $500 for any one incident
Optional benefits you can add
Rental car following accident, where available – $100 per day limit, up to 30 days
Removal of basic excess for windscreen claims if the broken windscreen is the only damage to your vehicle – 1 replacement and 2 repairs in any period of insurance
Cover for tools of trade – Up to $3,000 for any one incident
Options you can select to decrease your premium
Named driver option
Get a Quote

Third Party Property Damage Insurance

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Product Disclosure Statement.

Third Party Property Damage
Get a Quote
Key benefits
Cover for your legal liability for loss or damage to other people’s property and legal liability for supplementary bodily injury – up to $20 million for any one event or series of related events
Legal liability cover when using a substitute vehicle
Approved legal costs arising from a claim for liability covered by the policy

How to make a claim

To lodge a Motor Insurance claim online, anytime:

Complete the online claim form 24 hours a day, 7 days a week, then a friendly claims consultant will contact you as soon as possible.

This process is easy with:

  • A secure form
  • No phone queues
  • Immediate confirmation number for your reference

Lodge a claim over the phone – 24 hours a day, 7 days a week:

You can call the claims hotline on 1300 555 030 at any time and a consultant will help you with the claims process.

Insurance solutions for you!

We’re told to expect the unexpected – but what is the best way to prepare? Life throws some curveballs and Police Credit Union is there to provide support. Along with our partners, we offer a range of insurance policies to help cover you when you need it most.

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