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!  

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, updated on February 16th, 2024       

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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.

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What car insurance policies are available through Police Credit Union?

Police Credit Union provides the following types of car insurance:


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.

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