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Car Insurance

Whether you’re after a basic level of cover or looking for a comprehensive protection package, we have a range of options.

$30 million liability cover

No matter who's at fault, you can relax knowing our policy covers you for up to $30 million in liability cover.*

Hire car cover

Our comprehensive cover includes an option for a replacement car to drive while yours is being repaired, at up to $100 a day.*

Money back guarantee

Change your mind? If you haven't made a claim and want to cancel your policy within 21 days, we'll refund you any premium you've paid.*

Choose the right car insurance policy

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Comprehensive

━ Premium cover ━

This is the total package, and covers damage to both your car and others'.

  • Up to $30 million of liability cover
  • Damage to your vehicle - listed events up to your sum insured, including protection from uninsured drivers
  • Hire car after theft for up to 21 days
  • Towing and transport of your vehicle
  • Fire and theft
  • New car replacement
  • Personal items

Get a quote

car outline with fire icon

Third Party Fire & Theft

━ Mid-level cover ━

If you cause damage to another vehicle, or your car is stolen or catches fire, you have cover.

  • Up to $30 million of liability cover
  • Damage to your vehicle - protection from uninsured drivers


  • Hire car after theft for up to 21 days
  • Towing and transport of your vehicle
  • Fire and theft
  • New car replacement
  • Personal items

Get a quote

two cars colliding outlines with crash exaggeration

Third Party Property

━ Basic cover ━

This covers you for the cost of damage to other people's property or vehicle.

  • Up to $30 million of liability cover
  • Damage to your vehicle - protection from uninsured drivers


  • Hire car after theft for up to 21  days
  • Towing and transport of your vehicle
  • Fire and theft
  • New car replacement
  • Personal items

Get a quote

Different policies to suit your needs

Find out more about the differences between driver types and mileage.

Any driver

Peace of mind the whole family can enjoy! Any licenced person can drive the vehicle with this option.

  • No need to nominate different people as drivers.
  • Licensed drivers of any age can drive the vehicle, additional excesses may apply.

Nominated driver

If there's only two of you driving the car, you can save on your premium.

  • Maximum of two nominated drivers over 25.
  • Valet drivers, repair testers and emergencies are covered regardless of the age of the driver.

Nominated driver - low kilometres

This is a great option to save on premiums if you don't drive your car often or for a second car.

  • Maximum of two nominated drivers over 25.
  • Valet drivers, repair testers and emergencies are covered regardless of the age of the driver.
  • Car can only be driven up to 10,000 kilometres per year.
  • Available on Comprehensive car policies only.

This is only a summary, refer to the Product Disclosure Statement (PDS) for more information on what is and isn’t covered.

► Read our Motor Vehicle Insurance PDS for the full breakdown

Need to make a claim?

The quickest and easiest way to make a claim is to contact our partner CGU's 24/7 claims team on 13 24 80. Find out more.

Make a claim

Important information


    *Underwriting criteria, policy terms, conditions, limits and exclusions apply. Please see the PDS for full details.

    Police & Nurses Limited (bcu) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701 acts under its own AFSL and under an agreement with the insurer Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance. Any advice given is general only and does not take into account your personal objectives, financial situation or needs. Consider the Target Market Determination (TMD) and relevant Product Disclosure Statement (PDS), available here and Target Market Determinations (TMD) to see if the product is right for you.