Motor Insurance

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Protect the things you rely on

From soccer training to dance classes and all the birthday parties in between, where would you be without your car? Because we rely on our cars for so many of life’s journeys, it pays to get quality insurance cover with benefits.

Why choose Motor Insurance through CUA?

CUA Motor Insurance has a great range of features and benefits designed to suit members with different needs. With a 24/7 claim lodgement service, a monthly payment option and a choice between Comprehensive and Third Party Property Damage cover, CUA Motor Insurance gives you the flexibility to manage your car insurance in a way that suits you.

Benefits of Comprehensive Motor Insurance

Save up to 10% when you buy online Show content

Purchase your new, comprehensive motor insurance policy online and save up to 10% on your first year’s premium1,2.

Tailor Cover to Suit your Budget Show content

You may be able to reduce your premium by increasing your basic excess1.

Rental car if your car is stolen Show content

Rental car for up to 30 days if your car has been stolen ($100 per day limit).

Safe driver discount Show content

Eligible drivers are rewarded with a safe driver discount1,3.

Motor Insurance

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

What policy features are avaliable?

Which option suits me? Hide

Cover benefits ComprehensiveThe 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.

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 Third Party Property DamageCovers 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 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 - 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 (Unnamed driver excess of $2500 applies if you make a claim for an incident that occurred when your vehicle was being driven by any driver that is not listed in the policy schedule as a named driver.)

Quick and easy online claims service Show content

Lodge a claim online in under 10 minutes and avoid unnecessary paperwork. An Allianz consultant will contact you as soon as possible.

24/7 claims support hotline Show content

You can speak to an Allianz consultant 24 hours a day, 7 days a week. Call its claims hotline on 1300 555 030 whenever you need help.

Pay by the month at no extra cost Show content

If you prefer to fit your premium around your monthly budget there's no extra cost to you4.

Tailor your cover to suit your needs Show content

You can choose to tailor your cover with Rental Car and Windscreen Cover options.

Online – any time

A convenient way to make a car insurance claim is via the

Online claim form

You can submit your car insurance claim notification 24 hours a day, 7 days a week.

Once your car insurance claim notification is lodged, a friendly claims consultant will contact you as soon as possible.

  • Secure form
  • No phone queues
  • Immediate confirmation number for your reference

Over the phone - 24 hours a day, 7 days a week claims hotline

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

See important information below
Important information Important information Show content

Credit Union Australia Limited, ABN 44 087 650 959 (CUA) AFSL No. 238317 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. CUA does not guarantee or otherwise support this insurance product. CUA 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. 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. Full details of the commission are set out in the relevant Financial Services Guide.

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. Discounts may not be applied to the premium for optional covers.

2 The online discount applies to new CUA comprehensive motor insurance policies only. Any online discounts offered are applied to our standard rates, but excluding all other optional covers. The online discount only applies to the first year's premium (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.

3 Safe 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%.

4 Premiums payable by instalments may be subject to minor adjustments due to rounding and financial institution transaction fees may apply.