BSB 806 015

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BSB 806 015

Car Insurance

Whether you’re just looking for basic cover or you want to help give your pride and joy the protection it deserves, we have a range of options for you.

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$30 million liability cover

Relax, we have cover for you. Your policy covers you for up to $30 million in liability cover, no matter who’s at fault.*

Hire car cover

Our comprehensive cover provides you with a replacement car while yours is being repaired.*

Your choice

Your choice of insuring your vehicle for it's market value, or a value that you agree with us.*

Choose the right car insurance policy

Comprehensive

━ Premium cover ━

Want the total package? This 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 (21 days)
Towing and transport of your vehicle
Fire and theft
New car replacement 
Personal items

Get a quote

More information

Third Party Fire & Theft

━ Mid-level cover ━

This covers damage to other cars, plus your car if it's stolen or catches fire.

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


Hire car after theft (21 days)
Towing and transport of your vehicle
Fire and theft
New car replacement 
Personal items

Get a quote

More information

Third Party Property

━ Basic cover ━

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

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


Hire car after theft (21 days)
Towing and transport of your vehicle
Fire and theft
New car replacement 
Personal items

Get a quote

More information

Need to make a claim?

You can make a claim by contacting our partner CGU's 24/7 claims team on 13 24 80.
Find out more.

Home or motor vehicle claims can also be made online by visiting the CGU Insurance claims page.

Make a claim

Frequently asked questions

  • What are the different types of car insurance policies?

    P&N Bank offers a range of car insurance options, such as Comprehensive, Third Party Fire & Theft and Third Party Property Damage.

    Third Party Property Damage insurance covers loss or damage to another person’s vehicle or property caused by your vehicle, as well as any injuries caused to others in the event of a car accident. Third Party Fire & Theft insurance also covers this, and additionally provides cover for loss or damage caused to your vehicle by fire or theft.

    Comprehensive car insurance is a higher level of car insurance which covers damage to your vehicle, as well as the damage caused to other cars or property in an incident.

    Our Motor Vehicle Insurance PDS provides a detailed breakdown of what each policy covers. You should always consider the PDS when comparing the different car insurance options available to determine which level of cover is ideal for you.

    Compulsory Third Party insurance is compulsory for all cars in Australia.

  • What does excess mean in relation to car insurance?

    An excess is your contribution towards the cost of an insurance claim. The type of excess that applies to your policy and the amount of the excess will be listed on your policy documents. The four types of excesses that may apply are: basic excess, age excess, inexperienced drivers excess and additional excess. Refer to our Motor Vehicle Insurance PDS for more information.

  • How much does car insurance cost?

    The price of your car insurance is based on the likelihood of a claim being made on your policy in the future and can therefore vary. There are several factors we consider when calculating your premium.

    We calculate your premium by combining the:

    • Pricing factors
    • Policy options
    • Minimum and maximum premium
    • Government charges
    • Any discounts you’re eligible for

    To find out more about how we work out your premium, have a look at the relevant Product Disclosure Statement.

  • How can I make an insurance claim?

    If you need to make a claim, we're here to help. You can make a claim by visiting the CGU insurance claims page, or alternatively, you can contact our insurance partner CGU’s 24/7 claims team on 13 24 80.

Important information

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

Police & Nurses Limited (P&N Bank) ABN 69 087 651 876 AFSL 240701 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited trading as CGU Insurance ABN 11 000 016 722, AFSL 227681. Any advice provided is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations.

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