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 cost1
- Your choice between Comprehensive and Third Party Property Damage cover
Choose Comprehensive Motor Insurance and get:
- Up to 10% discount on your Motor Insurance policy when you buy online2,3
- Choose your own repairer
- 24/7 claims lodgement service
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 | |
|---|---|---|
| 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:
|
||
| 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:
|
||
| 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 |
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 | |
|---|---|
| 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:
|
|
| 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 |
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 | |
|---|---|
| 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.
Disclaimer
Ian Berry Insurance Services (IBIS) ABN 15 084 331 304 is an Authorised Representative No 259485 of Police Credit Union Ltd (PCU) ABN 30 087 651 205 AFSL 238991 and arranges this insurance as an agent for the insurer Allianz Australia Limited ABN 15 000 122 850 AFS Licence No 234708.We do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please consider the relevant Product Disclosure Statement available from this website to decide if a product is right for you. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.
1 Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.
2 Minimum premiums may apply. Any discounts / entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts / entitlements. Discounts may not be applied to the premium for optional covers.
3 The online discount applies to new Comprehensive Motor Insurance policies only. Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless otherwise stated). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.