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Motor Vehicle Insurance

Choose from Comprehensive and Third Party Property Damage

 

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No matter how careful you might be on the road, accidents can still occur. We offer reliable, competitive car insurance cover, so you and your loved ones can travel with confidence.

 

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Southern Cross Credit Union Comprehensive Motor Insurance provides you with a great range of features as well as optional benefits so you can tailor your cover to suit your needs.

  • Increase your excess to reduce your premium1
  • Rental car for up to 30 days if your car is stolen ($100 per day limit)

Choice of Motor Insurance Products

Comprehensive Insurance

Our highest level of cover for your vehicle which provides cover for fire, theft, accidents and malicious damage. It also covers your legal liability to pay compensation for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault.

Third Party Property Damage

Covers your legal liability to pay compensation for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault.

 

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Key benefits
Cover for accidental loss of or damage to your vehicle Yes
New for old replacement of a new vehicle after a total loss, if you purchased your vehicle new from the manufacturer or dealer and your vehicle is less than two years old from its first registration and is declared a total loss Yes
Cover for legal liability to pay compensation for loss or damage to other people's property - up to $20 million for any one event or series of related events Up to $20 million for any one event or series of related events
Accidental death benefit $25,000 in any one period of insurance
Legal costs Yes
Emergency repairs up to $500 for any one incident
Rental car following theft $100 per day limit, up to 30 days
Temporary cover on replacement vehicle 14 days
Reasonable costs of towing after a covered accident Yes
Trailer and caravan cover $1,000 or market value, whichever is lesser
Personal items Up to $1,000 for any one incident
Emergency accommodation and travelling expenses Up to $1,000 for any one incident
Transportation costs Up to $500 for any one incident
Legal liability cover when using a substitute vehicle Yes
Lock re-keying / re-coding Up to $1,000 for any one incident
Child seat / baby capsule cover Up to $500 for any one incident
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Optional Cover  
Rental car following accident $100 per day limit, up to 30 days
Removal of basic excess for windscreen claims 1 replacement and 2 repairs in any period of insurance
Tools of trade Up to $3,000 for any one incident
Optinal excesses you can select to decrease your premium  
Unnamed driver excess $2,500 any one claim
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This table is a guide only. For information on what is covered and what is not covered and any limits and excesses that apply, please refer to the Product Disclosure Statement and Policy Document

Third Party Property Damage

Covers you for 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.

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Cover for legal liability to pay compensation for loss or damage to other people's property - up to $20 million for any one event or series of related events Yes
Legal costs Yes
Legal liability cover when using a substitute vehicle Yes
  Get a quote
 

This table is a guide only. For information on what is covered and what is not covered and any limits and excesses that apply, please refer to the Product Disclosure Statement and Policy Document

To make an insurance claim online:

Online, any time

The fastest, easiest way is via our online claim form. You can submit your insurance claim notification 24 hours a day, 7 days a week, whenever it suits you.

It generally takes less than 10 minutes to complete the online claim form, and once we receive it, one of our friendly claims consultants will contact you within 48 business hours.

  • Secure form
  • There are no phone queues
  • Immediate confirmation number for your reference
  • You can submit your home insurance claim form 24 hours a day, 7 days a week

Submit your claim to our underwriter via the online claim form.

Over the phone - 24 hours a day, 7 days a week Allianz claims lodgement hotline - 1300 555 030

Alternatively, you can call us on 1300 360 744 during business hours and one of our friendly consultants will take you through the claims process.

Southern Cross Credit Union, ABN 82 087 650 682 AFSL No 241000 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply.  Before making a decision please consider the Product Disclosure Statement available here. 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 services.

1Minimum 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

2The online discount applies to new Comprehensive Motor Insurance policies. Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.

4Safe Driver Discount applies to Comprehensive Motor Insurance policies only. Any discount entitlement is determined by the insurance history and driving history of all drivers on the policy and the number of claims made by them. If eligible, the maximum Safe Driver Discount that may be applied on new policies is up to 10% .

5Offer valid for new comprehensive Southern Cross Credit Union Motor Insurance policies. 12 months roadside assistance membership is provided by AGA Assistance Australia Pty Ltd ABN 52 097 227 177, trading as Allianz Global Assistance. Full terms and conditions available at allianz.com.au/roadside.

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