Car Insurance

Drive in confidence

Helping you find the right cover for your car

Whether you’re a beginner or an experienced driver, knowing that you’re covered during your journey is peace of mind. That’s why we’ve partnered with CGU, one of Australia’s most trusted insurers, and together our focus is protecting you with market-leading Insurance. Call our team today on 1300 654 166

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$30 million legal liability cover

Our policies offer up to $30 million of legal liability protection if you damage other cars or property.

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Pay by the month

If you don’t want to pay annually, pay every month by direct debit at no extra cost.

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Lodge claims 24/7

24/7 claims lodgement with CGU and we can also help you with the claims process.

How to make a claim

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Complete Cover

Comprehensive

The highest level of cover that protects your car and other cars in an accident.

  • $30 million of legal liability cover
  • Protection from uninsured drivers
  • Hire car after theft
  • Fire and theft
  • Emergency repairs
  • Towing
  • Trailers
  • Storm and flood
  • Vandalism
  • Personal items
  • Baby capsules and child seats
  • OPTIONAL EXTRA - Hire car after an accident
  • OPTIONAL EXTRA - No excess for glass-only repair
  • OPTIONAL EXTRA - No Claim Bonus protection

Budget Friendly

Third Party Fire and Theft

Covers damage to other cars, plus your car if it’s stolen or catches fire.

  • $30 million of legal liability cover
  • Protection from uninsured drivers
  • Hire car after theft
  • Fire and theft
  • Emergency repairs
  • Towing
  • Trailers
  • Storm and flood
  • Vandalism
  • Personal items
  • Baby capsules and child seats
  • Hire car after an accident
  • No excess for glass-only repair
  • No Claim Bonus protection

The Essentials

Third Party Property Damage

Covers you for the cost of damage to other people's cars or property.

  • $30 million of legal liability cover
  • Protection from uninsured drivers
  • Hire car after theft
  • Fire and theft
  • Emergency repairs
  • Towing
  • Trailers
  • Storm and flood
  • Vandalism
  • Personal items
  • Baby capsules and child seats
  • Hire car after an accident
  • No excess for glass-only repair
  • No Claim Bonus protection

Car Insurance FAQs

  • What is Agreed Value/Market Value?
    Market Value isn't a pre-determined amount due to it being primarily based on the wear & tear, accessories & modifications, and kilometres travelled on your vehicle (among other things). The market value is determined by CGU at the time of a claim.
    Agreed Value is an amount agreed upon by CGU and you at the time of purchasing the policy, to insure the car for the period of Insurance.
  • What happens if l go over 10,000kms in a year?
    The 10,000km limit is relevant to a Nominated Driver Low Kilometre Motor Vehicle Insurance Policy and exceeding the 10,000km limit may result in additional premium. Please contact us to adjust your policy.
  • Is a learner driver covered on my car Insurance?
    Yes, learners are covered.
    If you have a Nominated Driver policy, learners have to be accompanied by a fully licensed driver over the age of age 25.
  • Is my car covered if someone else drives it?
    If you have a standard policy, your car’s covered no matter who’s behind the wheel (with a few exceptions).
    If you have a Nominated Driver policy, drivers under 25 aren’t covered (except learners accompanied by a fully licensed driver over the age of 25). Also, if someone’s driving and they’re not listed on your Nominated Driver policy, you’ll pay a higher excess if you make a claim. 
    Make sure you’ve read the PDS before you let someone else drive your car.
  • How do I renew my Insurance policy?
    If you pay by direct debit (via BSB and account number or by VISA/Mastercard), your Insurance will automatically renew unless you cancel your policy. CGU will provide you a renewal statement 14 days before your policy restarts, to allow sufficient time for you to make updates. 
    If you pay your policies via BPAY, CGU will send you a new biller code with your renewal paperwork, 1 month before your policy ends. You must pay this before the due date if you wish to renew your policy.
  • How do I make a claim?
    The quickest and easiest way to make a claim is to contact CGU directly on 13 22 94. Claims can be lodged 24 hours / 7 days a week.
    Enquiries on existing claims can be made from 8:30 am to 5:00 pm local time.
  • What information do I need to make a claim?
    In general, you will need to provide the following details:
    • Your policy number
    • Standard information to identify yourself
    • The name of the insured on the policy
    • Detailed description of the incident
    • The date of loss and the loss address
    • Any details of other parties involved (if applicable).
  • Do you insure motorbikes, boats and other vehicles?
    Yes, please see our other vehicle insurance here

We're here to help you

Our friendly Insurance Consultants are here to assist you in finding the right cover. Get in contact for an obligation free quote or help arranging your policy.

Important Information
Standard underwriting criteria and policy terms and conditions apply. Insurance issued by Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 trading as CGU Insurance (CGU). In arranging this insurance, Victoria Teachers Limited ABN 44 087 651 769 AFSL 240960 trading as Snow Star Credit Union (Snow Star Credit Union), acts under its own AFSL and under an agreement with CGU, not as your agent. Snow Star Credit Union receives commission when selling CGU insurance products. Please refer to Snow Star Credit Union’s Financial Services Guide (FSG) for details of these commissions. Any advice is general only. This information does not take into consideration your objectives, financial situation or needs. Therefore, you should firstly consider the appropriateness of this information and refer to the relevant Product Disclosure Statement (PDS).
 
For full terms and conditions, please download the Product Disclosure Statement (PDS)