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Car Insurance

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Our CGU insurance policies give you the freedom to choose the best cover to suit your needs. You choose the type of policy and the level of cover.

CGU has developed three car insurance policies for you to choose from:

Motor Vehicle Insurance Policy

Available under all levels of cover. This policy provides cover for your car, motorcycle, trailer or horse float.

Nominated Driver Insurance Cover

This policy provides a discounted premium if the car will only be driven by up to 2 nominated drivers over 25 years of age.

Nominated Driver 'Low Kilometre' Policy

If you don't do a lot of driving, this policy is ideal for you. It features generous premium discount when the insured vehicle, driven by up to 2 nominated drivers over 25 years of age, travels less than 10,000 kms in a 12 month period. Please Note Nominated Driver 'Low KM' is not available in TAS.

The choice and flexibility continues with the choice of three levels of cover. Their key features are compared in the table below.

Key Features Comprehensive Fire, Theft & Third Party Third Party Only
Uninsured Driver Protection Yes Yes Yes
Up to 60% off No Claim Bonus Yes No No
Replacement Car Benefit Yes No No
21 day car hire if your vehicle is stolen Up to $100 per day Up to $100 per day No
$30 Million Liability Cover Yes Yes Yes
Windscreen Cover Option Yes No No
Trailer Yes No No
Nominated Driver Yes Yes Yes
Nominated Driver Low Kilometre* Yes No No
After accident care
Vehicle return if more than 100km from home up to $500 Yes Fire and Theft No
Emergency repairs Up to $800 Up to $800 No
Towing Yes Fire and Theft No
Personal Property Up to $1000 No No
Accommodation/Transport Home If more than 100km from home, up to $500 If more than 100km from home, up to $500 No

More Information


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Macquarie Credit Union Ltd ABN 85 087 650 253 has an agreement with Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance (“CGU”) for the referral of insurance products. Macquarie Credit Union is entitled to receive from CGU a commission being a percentage of premium paid for insurance products issued to you or your business pursuant to this agreement. Please contact CGU on 13 22 94 for further information. Insurance products are issued by CGU. A product disclosure statement and/or policy wording for the insurance products is available from You should consider the product disclosure statement and/or policy wording before making a decision in regard to your insurance needs. Please note that you are about to leave this website and enter a site operated by CGU.