fbpx

Police Credit Union Car Insurance

Police Credit Union offers drivers across Australia a choice of car insurance policies. 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.

Police Credit Union is a member-owned financial institution that originally served the banking needs of police officers in South Australia and has since expanded its services to a broader audience. In addition to banking products, Police Credit Union offers insurance services to its members, including car insurance. Backed by Allianz, its choice of car insurance plans provide drivers with coverage and protection when on the road.

In this review, we take a look at Police Credit Union’s car insurance options to give you an understanding of what’s on offer. Learn about the different types of insurance it offers, what is and isn’t covered and the optional extras you can add today!

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

Please note that Savvy does not represent Police Credit Union for its car insurance products. All listed policies, inclusions and limits are correct as of July 2023.

Police Credit Union logo

What car insurance policies are available through Police Credit Union?

Police Credit Union provides the following types of car insurance:

Comprehensive

Comprehensive car insurance offers the most extensive level of cover, protecting you against accidental loss or damage to your vehicle. Police Credit Union’s Comprehensive policy offers the following inclusions:

  • New for old replacement for vehicles less than 2 years old
  • Accidental death benefit of $25,000 per period of insurance
  • Coverage for child seat or baby capsule up to $500 for any one incident
  • Emergency repairs coverage up to $500 for any one incident
  • Coverage for emergency accommodation and traveling expenses up to $1,000 for any one incident
  • Lock re-keying/re-coding coverage up to $1,000 for any one incident
  • Coverage for personal items up to $1,000 for any one incident
  • Rental car coverage for up to 30 days after theft, with a maximum of $100 per day
  • Temporary cover on your replacement vehicle for up to 14 days
  • Reasonable towing costs covered
  • Coverage for trailer and caravan up to $1,000 or market value, whichever is lesser, for any one claim
  • Transportation costs coverage up to $500 for any one incident
  • Legal liability coverage up to $20 million for any one event or series of events
  • Coverage for legal costs
  • Supplementary bodily injury (liability) coverage up to $20 million for any one event or series of events
Third Party Property Damage

Third party property damage cover is the most basic form of optional car insurance available in Australia. Police Credit Union’s Third Party Property Only Insurance is designed to cover damage caused to other people’s property, rather than to your own vehicle. The policy offers the following inclusions:

  • Legal liability coverage up to $20 million for any one event or series of events
  • Legal costs coverage
  • Supplementary bodily injury (liability) coverage up to $20 million
  • Uninsured motorists extension coverage, up to $5,000

Are there any optional extras available through Police Credit Union?

Yes – Police Credit Union offers the following optional extras on its Comprehensive car insurance plan:

  • Rental car following an accident: up to 30 days, at a maximum of $100 per day
  • Removal of basic excess for windscreen claims: 1 replacement claim and 2 repairs in any period of insurance for windscreen, sunroof or window glass
  • Tools of trade coverage: up to $3,000 for any one incident

The following optional excess is also available for Comprehensive cover to decrease your premium:

  • Unnamed driver excess: $2,500 for any one claim

What are some of the pros and cons of buying car insurance through Police Credit Union?

  • 24/7 claims: you can make a claim online at any time using Allianz’s online claims form.
  • Generous rental car provision: on Comprehensive plans, you can get a rental car for up to 30 days after your car is stolen.
  • Choice of repairer: if your vehicle needs repairing, you can use one of Allianz’s preferred repairers or choose your own.
  • No Fire and Theft cover: Police Credit Union no longer offers TPFT cover as an option on its car insurance plans.
  • Limited child seat cover: cover for baby capsules and child seats on Comprehensive policies is capped at $500.

Common questions about Police Credit Union car insurance

Does Police Credit Union operate Australia-wide?

Yes – while Police Credit Union only has branches in South Australia and the Northern Territory, you can purchase a Police Credit Union car insurance policy in any state or territory in Australia.

How do I make a claim on my Police Credit Union car insurance?

Claims can be lodged 24/7 using Allianz’s online claim form, which can be accessed via the Police Credit Union website. You can also call Allianz on its dedicated claims line to begin the claims process.

Does Police Credit Union offer roadside assistance?

No – Police Credit Union does not offer roadside assistance either as a part of its car insurance plans or as a separate service you can subscribe to.

Does Police Credit Union offer any other type of vehicle insurance?

Yes – Police Credit Union also offers caravan and trailer insurance to protect against accidental loss or damage to your caravan or trailer.

Helpful guides on car insurance

Car Insurance Banner - Man squats and holds his hand to his mouth after a car accident with no insurance.

Car Accident No Insurance

Find out more about what you’ll need to do if you don’t have insurance and get in a car accident,...

Car Insurance Banner - An exterior view of cars driving on a highway.

Unregistered Car Insurance

Find out whether you can cover your unregistered vehicle through Savvy’s informative guide today. Are you looking for insurance coverage...

Car Insurance Banner - Woman pinches her nose in frustration while sitting at the wheel of her car.

What Voids Car Insurance?

Learn about the common factors that could void your car insurance with Savvy. Car insurance provides protection and peace of...

Car Insurance Banner - Front view of a blue car which has been written off in an accident.

Car Insurance for Write-Offs

Learn about what to do when your car is written off and the insurance claim process in Savvy’s comprehensive guide....

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.

Disclaimer:

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.

Police Credit Union 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.