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Motor Vehicle Insurance

Choose from Comprehensive Prestige, Third Party Property, Fire, Theft or 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 Motor Insurance provides you with a great range of features as well as optional benefits so that you can tailor your cover to suit your needs.

  • Up to 60% no claim bonus1,3
  • Increase your excess to reduce your premium1
  • Rental car for up to 30 days if your car is stolen ($100 per day limit)
  • A discount on your policy when you exclude drivers under 25 years of age1

Choice of Car Insurance Products

Comprehensive Insurance

Our highest level of cover for your vehicle which includes cover against 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 Fire & Theft

Provides cover against accidental loss of or damage to your vehicle caused by fire or theft. 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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 Third Party Fire & Theft

Cover against accidental loss of or damage to your vehicle caused by fire or theft up to $5,000 for any one incident. It also covers the legal liability to pay compensation for loss of or damage to someone else's property caused by a motor vehicle accident which is partly or fully the fault of the insured.

Third Party Property Damage

Provides cover for 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 the fault of the insured.

  Comprehensive Insurance Third Party Fire & Theft Third Party Property Damage
  get quote Get quote Get quote
Cover for accidental loss of or damage to your vehicle caused by fire or theft Yes Yes No
Cover for accidental loss of or damage to your vehicle (caused by events other than fire or theft) Yes No No
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 2 years old from its first registration at the time it is declared a total loss Yes No No
Cover for legal liability to pay compensation 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 Yes Yes Yes
Legal costs Yes Yes Yes
Accidental death benefit - $25,000 per period of insurance Yes No No
Emergency repairs – up to $500 in respect of any one incident Yes No No
Rental car after theft ($100 per day limit, up to 30 days) Yes Yes No
Reasonable cost of towing Yes - after a covered incident Yes - after fire or theft of your vehicle No
Temporary cover on replacement vehicle - 14 days Yes No No
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More benefits      
Trailer and caravan cover - $1,000 or market value whichever is the lesser Yes No No
Legal liability cover when using a substitute vehicle Yes Yes Yes
Personal items – up to $1,000 for any one incident Yes No No
Emergency accommodation and travelling expenses – up to $1,000 for of any one incident Yes No No
Transportation costs – up to $500 for any one incident Yes No No
Lock re-keying / re-coding – up to $1,000 for any one incident Yes No No
Child seat / baby capsule cover – up to $500 for of any one incident Yes No No
Optional cover
Protected No Claim Bonus - 1st claim per period of insurance Yes No No
Rental car following accident - $100 per day limit, up to 30 days Yes No No
Removal of basic excess for windscreen claims - 1 replacement and 2 repairs in any period of  insurance Yes No No
Optional excesses which you can select to decrease your premium
Restricted driver excess - $2,500 any one claim Yes No No
Unnamed driver excess - $2,500 any one claim Yes No No
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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

 

  Comprehensive Insurance
  Get quote
Key benefits
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 and legal liability for supplementary bodily injury 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
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
  Get a quote
 Optional Cover  
Protected No Claim Bonus 1st claim per period of insurance
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 $1,500 for any one incident
Optinal excesses which you can select to decrease your premium  
Restricted driver excess $2,500 any one claim
Unnamed driver excess $2,500 any one claim
  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

 Third Party Fire & Theft

Cover against accidental loss of or damage to your vehicle caused by fire or theft up to $5,000 for any one incident. It also covers the legal liability to pay compensation for loss of or damage to someone else's property caused by a motor vehicle accident which is partly or fully the fault of the insured.

Third Party Property Damage

Provides cover for 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 the fault of the insured.

  Third Party Fire & Theft Third Party Property Damage
  Get quote Get quote
Accidental loss of or damage to your vehicle caused by fire or theft Yes No
Cover for legal liability to pay compensation 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 Yes Yes
Legal costs Yes Yes
Rental car after theft ($100 per day limit, up to 30 days) Yes No
Reasonable costs of twoing after fire or theft of your vehicle Yes No
Reasonable costs of towing after fire or theft of your vehicle Yes No
Legal liability cover when using a substitute vehicle Yes Yes
  Get a quote 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 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 as soon as possible.

  • 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 claims hotline

Alternatively, you can call us on 1300 555 013 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.

1. 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.

2. The online discount applies to new comprehensive moto insurance policies. Applies to 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.

3. Maximum discount percentage varies from State to State.

4. Safe Driver Discount applies to new Motor Insurance policies with comprehensive cover only. To be eligible for a safe driver discount:

  • the ratable driver must be aged 30 years or over;
  • the insured (owner) must have held a maximum no claim bonus for the last five consecutive years; and
  • all nominated drivers must have had no at fault claims for the last five years.

5. Offer valid for new Southern Cross Credit Union comprehensive 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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