Car Insurance

Saturday 19/05/2012 00:11 est

Motor Insurance

With the right cover, you can cruise

Cars cost money to buy, money to own, and money to run. So anywhere you can save deserves closer inspection.

With CMCU Car Insurance, you can relax and enjoy the drive, knowing that should anything happen, you can be back on the road without major expense or hassles.

Competitive, convenient cover backed by QBE

Car Insurance is one of a comprehensive range of insurance solutions offered through our association with QBE Insurance.

Founded in 1886, QBE is one of Australia’s leading insurers. It’s because of QBE’s experience, security and strength – as well as its prompt, efficient and friendly claims service – that we’ve made it our insurance provider.

This partnership enables us to deliver CMCU members quality and value in insurance products, with the added convenience of having everything under the same roof.

Cover Options

You have a range of cover options, depending on your own circumstances and those of others likely to drive your car.

Comprehensive

This policy provides complete cover, regardless of the number of licensed drivers using the vehicle. It protects you against theft, fire and damage to your car, as well as damage you may cause to another person’s car or property.

Preferred Driver

If you’re a more experienced driver over the age of 24, and

others under 24 won’t be driving the car, you can take out a full comprehensive policy at a discounted price.

Nominated Driver

If there will be one main driver over the age of 21 and a second nominated driver over the age of 19, this policy offers comprehensive cover at a good value price.

Third Party Only

This provides cover for damage you may cause to another person’s car or property, but does not cover your own car. Uninsured Driver Protection Cover is included under this policy.

Third Party Fire & Theft

This is an extension of the Legal Liability Policy, which provides cover if your car is stolen or damaged due to fire.

A choice of Excess

Your excess is the initial amount you have to pay yourself if you make a claim, and we offer variable excess. The higher the excess you choose, the lower the premium you’ll pay.

For new cars, a new car replacement policy

Insure your brand new car with QBE within 2 years of purchase, and if it’s written off within the first four years of ownership or 100,000kms, it’ll be replaced with a new one (conditions apply).

A range of ways to save

With CMCU there are various ways to enjoy discounts on your premium.

No claim bonus

If you’ve been claim-free for a period of 12 months upward, you may qualify for a no-claim bonus of up to 60% off the base premium.

Car security discount

After market accessories like alarms and immobilisers may reduce the amount you pay.

Over 50s discount

If you’re a little older and more experienced, your premium will reflect the lower-risk nature of your demographic.

New car discount

If you’re taking on the expense of a brand new vehicle, you’ll appreciate this saving.

Summary of Benefits

Benefits Include	Comprehensive (including Preferred & Nominated Driver Policies)	Third Party Only	Third Party Fire & Theft
Accidental loss or damage to your vehicle	ü	û	û
Loss or damage caused by fire or theft	ü	û	ü
14 day hire car following theft	ü	û	û
Windscreen or window glass breakage cover option	ü	û	û
4 year new car replacement option	ü	û	û
Repairs or replacement of single box trailer	ü	û	û
Optional hire car after an accident	ü	û	û
Emergency accommodation & transport costs	ü	û	û
Cover for personal items damaged in an accident	ü	û	û
Towing costs following loss or damage	ü	û	û
Essential temporary repairs	ü	û	û
Fatality cover	ü	û	û
Legal liability when driving a substitute vehicle	ü	ü	ü
Legal liability including bodily injury or death to another person (CTP gap cover)	ü	ü	ü
Legal liability for damage caused by your passenger to another person's property	ü	ü	ü
Legal liability for other people driving your vehicle	ü	ü	ü
Legal cost incurred in relation to legal liability cover	ü	ü	ü

Easy to arrange, simple to claim

The convenience of having Car Insurance under the same roof as your financial services isn’t the only way we make life easier. From making your application to making a claim, CMCU ensures things are as straightforward as possible.

You can apply online, by phone, or at any branch. Flexible payment options include fortnightly, monthly or annual direct debit, cash, cheque or credit card payments (excluding American Express).

If you do need to make a claim, we won’t make you wade through paperwork. QBE have a 24-hour emergency claims number, and in most cases, you need just provide details over the phone.

Download the product disclosure statement

To apply click here Quote

Important Notes

Terms, conditions and acceptance criteria apply. Cover limits apply as set out in the policy wording. This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement to decide if a product is right for you.

Insurance issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545.