Car Insurance

Friday 12/03/2010 12:05 est

Motor Vehicle 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’s Car Insurance, you can relax and enjoy the drive, knowing that should anything happen, you can be back on the road quickly, without major expense or hassles.

Competitive, convenient cover, backed by QBE

Car Insurance is one of a comprehensive range of insurance solutions CMCU offers 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 only be two drivers over the age of 21 this policy offers comprehensive cover at a good value price.

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

Legal Liability Fire & Theft
This is an extension of the Legal Liability Policy, which provides cover if your car is stolen or in a fire.

For new cars, a new car replacement policy

Insure your brand new car with us 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 substantial discounts on your premium.

Car security discount
After market accessories like alarms and immobilisers can 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.

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

Summary of Benefits

Benefits Include	Comprehensive (including Preferred & Nominated Driver Policies)	Legal Liability	Legal Liability Fire and theft
Accidental loss or damage to your vehicle	✓	x	✓
Loss or damage caused by fire or theft	✓	x	✓
14 day hire car following theft	✓	x	x
Windscreen or window glass breakage cover option	✓	x	x
4 year new car replacement option	✓	x	x
Repairs or replacement of single box trailer	✓	x	x
Towing costs following loss or damage	✓	x	x
Essential temporary repairs	✓	x	x
Legal liability when driving a substitute vehicle	✓	✓	✓
Legal liability including bodily injury or death to another person (CTP gap cover)	✓	✓	✓
Legal liability for damage caused by your passenger to another person's property	✓	✓	✓
Legal liability for other people driving your vehicle	✓	✓	✓
Legal cost incurred in relation to legal liability cover	✓	✓	✓

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, and 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.

Click Here For ==>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 available at all CMCU branches to decide if a product is right for you

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

View the Motor Vehicle Insurance Product Disclosure Statement and Policy Wording