People's Choice Car Insurance

People’s Choice offers drivers in Australia a choice of car insurance options, whatever level of cover they need. Read our review to learn more about its products!  

Written by 
Savvy Editorial Team
Savvy's content writing team are professionals with a wide and diverse range of industry experience and topic knowledge. We write across a broad spectrum of finance-related topics to provide our readers with informative resources to help them learn more about a certain area or enable them to decide on which product is best for their needs with careful comparison. Meet the team behind the operation here. Visit our authors page to meet Savvy's expert writing team, committed to delivering informative and engaging content to help you make informed financial decisions.
Our authors
, updated on February 16th, 2024       

Fact checked

At Savvy, we are committed to providing accurate information. Our content undergoes a rigorous process of fact-checking before it is published. Learn more about our editorial policy.

People’s Choice Credit Union is a South Australia-based credit union that provides a wide range of banking and other financial services to Australians, including home loans, personal loans and insurance. Backed by CGU, People’s Choice’s car insurance offers drivers a variety of coverage options to ensure they are protected on the road.

In this review, we break down People’s Choice’s car insurance products so you can understand your options. Find out what is and isn’t covered and the optional extras you can add today!

Disclaimer: all coverage offered by People's Choice is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact People's Choice if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent People's Choice for its car insurance products. All listed policies, inclusions and limits are correct as of July 2023.

People's Choice logo

What car insurance policies are available through People's Choice?

People's Choice offers the following types of car insurance to Australian drivers:


Comprehensive car insurance has the most extensive list of inclusions of the different types of cover. People’s Choice’s Comprehensive plan offers the following inclusions:

  • Coverage for accidental damage to your car due to a collision, fire damage, storm or flood damage, theft or attempted theft and vandalism or malicious acts
  • Replacement cost of baby capsules and child seats if they are damaged or stolen while in your vehicle
  • Emergency or temporary repairs, up to $800
  • Up to $5,000 towards funeral expenses should the driver of you vehicle die as a result of a physical injury within 12 months of a covered vehicle collision
  • Hire vehicle costs after theft or attempted theft, up to $100 per day for a maximum of 21 days
  • Legal costs for a coronial inquiry, up to $5,000
  • Coverage for personal items damaged or stolen from your locked car, up to $1,000
  • Reasonable costs of removing vehicle debris from the site where the incident occurred
  • The cost of repairing and re-coding the locks and barrels of your vehicle after the theft of keys, up to $1,000
  • New-for-old car replacement if the car is less than 3 years old and has travelled less than 50,000km
  • Reasonable vehicle storage costs while a claim is being processed
  • The cost of towing your vehicle from the scene of the incident to a safe place, the nearest repairer or another agreed-upon location
  • The cost of transporting your vehicle if the incident occurs more than 100km from home, up to $500
  • Coverage for trailers attached to your vehicle, up to $1,000
  • The cost of transportation to your home or destination, or temporary accommodation for one night, up to $500 if your vehicle is damaged in an incident more than 100km away from home
  • Liability cover up to $30 million
Third Party Fire & Theft

This type of cover includes protections against vehicle damage or loss from theft and fire, as well as damage to other vehicles and property. People’s Choice’s policy offers the following inclusions:

  • Coverage for fire damage to the car and theft or attempted theft
  • Up to $800 for emergency or temporary repairs
  • Up to $100 per day for hire vehicle costs after theft or attempted theft, for a maximum of 21 days
  • Up to $5,000 for legal costs in a coronial inquiry
  • Reasonable costs of removing vehicle debris from the incident site
  • Up to $1,000 for repairing and re-coding your vehicle's locks and barrels after key theft
  • Reasonable storage costs for your vehicle while your claim is being settled
  • Up to $500 to transport your vehicle if the incident occurs more than 100km from home
  • Up to $500 to transport you home or to your destination, or temporary accommodation for one night if your vehicle is damaged in an incident more than 100km from home
  • Up to $5,000 for repairs if your vehicle suffers is in a collision with an uninsured vehicle
  • Up to $30 million in legal liability cover
Third Party Property Damage

The most basic form of optional car insurance in Australia, third party property insurance is designed to cover damage caused to other people’s property with your vehicle, rather than damage to your own vehicle. People’s Choice’s policy offers the following inclusions:

  • Legal costs for a coronial inquiry, up to $5,000
  • Uninsured motorist damage, up to $5,000
  • Legal liability cover, up to $30 million

Are there any optional extras available through People's Choice?

Yes – People’s Choice’s Comprehensive cover has the following optional extras available:

  • Hire car costs after an incident other than theft, up to $100 per day for up to 21 days
  • Windscreen extension: one windscreen or window glass repair or replacement without affecting you no-claim bonus or paying an excess
  • One at-fault claim protection: safeguard your no-claim bonus for one at-fault claim during your insurance period
  • All at-fault claims protection: safeguard your no-claim bonus for all at-fault claims during your insurance period

What are some of the pros and cons of buying car insurance through People's Choice?

  • No-claim bonus protection: Comprehensive policy holders can protect their no-claim bonus with a choice of optional extras.
  • High legal liability: all levels of cover have legal liability coverage of up to $30 million for any incident.
  • Flexible payment options: you can pay your premium fortnightly, monthly or annually at no extra cost. 
  • Single-tow limit: People’s Choice will only cover the cost of one tow if your car is damaged in an incident.
  • Limited windshield cover: available as an optional extra, this only covers one excess-free windscreen repair or replacement.

Common questions about People's Choice car insurance

In which states does People’s Choice provide car insurance?

While People’s Choice has branches only in South Australia, the Northern Territory and Victoria, you can purchase a car insurance policy online in whatever Australian state or territory you live in.

What types of policy does People’s Choice offer?

As well as three levels of cover, People’s Choice also offers three types of policy:

  • Motor Vehicle Insurance Policy: the standard policy under all levels of cover.
  • Nominated Driver Motor Vehicle Insurance Policy: premium calculated based on up to two nominated drivers aged 25 or over, excluding coverage for drivers under 25 unless specific circumstances apply.
  • Nominated Driver Low Kilometre Motor Vehicle Insurance Policy: limited to Comprehensive plans, with driving restricted to no more than 10,000km and the same driver age restrictions as the Nominated Driver policy.
Does People’s Choice give me a choice of repairer?

Yes – when your car needs to be repaired, you can use an insurer-nominated repairer or recommend your own. To do this, you will need to provide a written quote from your chosen repairer, which will need to be accepted by CGU.

Does People’s Choice offer roadside assistance?

No – People’s Choice does not offer roadside assistance either as a part of its car insurance plans or as a separate service to subscribe to.

What other types of vehicle insurance does People’s Choice offer?

On top of car insurance, People’s Choice also offers insurance for caravans, motorcycles and boats.

Helpful guides on car insurance

Car Insurance Banner - Happy young couple driving around in an open-top vehicle.

Any Driver Car Insurance

Find out whether you can take out cover for any driver on your car insurance policy with Savvy. Wondering whether...

Car Insurance Banner - Couple signing their car purchase and cover note contract at a dealership.

Cover Note Car Insurance

Find out how cover note car insurance worked and what your alternatives are to this type of cover today with...

Car Insurance Banner - Woman sitting on the couch with her dog buying car insurance on her laptop.

Buying Car Insurance

Find out more about the process of buying car insurance and what to look for. Looking to buy car insurance...

Compare car insurance policies with Compare the Market

Savvy is partnered with Compare the Market to help you compare a range of car insurance policies from a panel of trusted providers.

Explore car insurance options by make

Select your car make and find out how much it may cost to insure, read helpful guides and compare quotes.


Savvy (ABN 78 660 493 194, ACR 541 339) provides readers with a variety of car insurance policies to compare. Savvy earns a commission from our partnered insurers each time a customer buys a car insurance policy via our website. All purchases are conducted via our partners’ websites. The integrity of our comparison service is unaffected by our partnerships with those businesses and our effort remains to bring further brands that do not already use our comparison service onboard.

Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.

People's Choice logo

We'd love to chat, how can we help?

By clicking "Submit", you agree to be contacted by a Savvy Agency Owner and to receive communications from Savvy which you can unsubscribe from at any time. Read our Privacy Policy.