BSB 806 015

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BSB 806 015

Car insurance

Regardless of what car you drive, you need the right car insurance to protect you from unexpected events. We can give you access to comprehensive insurance to suit every make and model with a great range of benefits and excess options.

Insurance cover options

A range of ways to save

With P&N Bank there are various ways to enjoy discounts on your premium.

A choice of excess

Your excess is the initial amount you have to pay yourself if you make a claim, and we offer variable excess. The higher the excess you choose, the lower the premium you’ll pay.

Multi-policy discount

Once you have one MemberCare insurance policy with us, we’ll give you a discount on each additional MemberCare policy*.

No claim bonus

If you’ve been claim-free for a period of 12 months upward, you may qualify for a no claim bonus of up to 60% off the base premium.

* Multi-policy discount is available on your first policy after renewal and is only available for Home, Landlords and Motor Vehicle policies that are purchased through the same financial institution.

Important information

Terms, conditions and acceptance criteria apply. Cover limits apply as set out in the policy wording. QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 is the issuer of the insurance policies detailed.

These products are not a product of, nor guaranteed by Police & Nurses Limited (P&N Bank) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701 who will receive a commission payment of up to 20% of the premium for arranging a policy sale.

Any advice given is general only and does not take into account your personal objectives, financial situation or needs. Please therefore consider whether it is appropriate for you.

To decide if the product is right for you and for full terms and conditions (including limitations and exclusions), please read and consider the Product Disclosure Statement (PDS).


This policy provides complete cover regardless of the number of licensed drivers using the vehicle. It protects you against theft, fire and damage to your car as well as damage you may cause to another person’s car or property.

30+ Plus Nominated Driver Cover

If you are a more experienced driver 30 years of age or over, and others under 30 won’t be driving the car, you can nominate two drivers who are 30 years of age or over and take out a full comprehensive policy at a discounted price.

Third Party Only

This provides cover for damage you may cause to another person’s car or property, but does not cover your own car. Uninsured Driver Protection Cover is included under this policy.

Third Party Fire & Theft

This is an extension of the Third Party Only Policy which provides cover if your car is stolen or damaged due to fire.

Benefits Include Comprehensive
(incl. 30+
Nominated Driver)
Third Party Only Third Party Fire and Theft
Accidental loss or damage to your vehicle    
Loss or damage caused by fire or theft  
14 day hire car following theft  
Windscreen or window glass breakage cover option    
4 year new car replacement option    
Repairs or replacement of single box trailer    
Towing costs following loss or damage    
Essential temporary repairs    
Cover for personal items damaged in an accident    
Hire car after accident option    
Emergency accommodation and transport costs    
Finance Gap cover    
Uninsured motorist benefit
Legal liability for damage caused by your passenger to another person's property
Legal liability for other people driving your vehicle
Legal cost incurred in relation to legal liability cover

View the MemberCare Motor Vehicle Product Disclosure Statement (PDS)

You can get a quote or apply for car insurance online, over the phone or in person. Simply choose how you’d like to apply and we’ll help you get started.

How to get started

Apply online

You can apply online now and can save your application at any stage of the process. If you get stuck, we can help you through web chat or our call centre.

In person

Speak to our staff at your nearest branch – you can book an appointment online now.

Over the phone

Call us on 13 25 77 and one of our insurance consultants will help you with your insurance needs.

How to make a claim

Feel confident that if your car needs a repair, it’ll get fixed quicker than if you sourced your own quote. It’s all about taking away the hassle if you need to claim.

The MemberCare claims line is open 24 hours a day, 7 days a week.

Here’s how it works:

  • Lodge your claim on 1300 734 728. A claims specialist will give you a claim number and talk you through the process, so you know exactly what to expect. They’ll find the repairer nearest to you. You can find your nearest repairer at
  • Expect a call from your accredited repairer within four hours.
  • If your car’s driveable, once you drop it off at the repairer, you’ll get a $50 taxi voucher towards your journey home (and another one back to the repairer) making life just that little bit easier.
  • On-site assessment and immediate authorisation of repairs gets the ball rolling right away.
  • In fixing your car, accredited repairers use the latest in equipment technology - including specialist hail damage.
  • All work authorised by QBE has a lifetime repair guarantee. And, if your car's still under the manufacturer's warranty the repairer will only use manufacturer-approved parts.

What this means for you? With a local repairer and no delays, you’ll be back on the road again before you know it.

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