Car Insurance
Can you really afford not to have your car insured?
We all love our cars but we all know that accidents happen. Aside from the financial costs of an accident there is also the hassle of not having use of your car. It is important therefore to have an appropriate level of insurance that ensures you are quickly back on the road.

Easy Street through our arrangements with CGU Insurance, one of Australia's leading general insurers, can offer you a simple solution, with a choice of policies to suit your budget and get you back on the road with a minimum of fuss.

Car Insurance Policy

This is CGU's most flexible policy and offers real value for money.

  • Cover is available for all licensed, authorised drivers.
  • Choose from Comprehensive,Third Party Fire and Theft or Third Party Only.

 

Nominated Driver Policy

A lower premium when you nominate two drivers over the age of 25.

  • Cover is available for nominated drivers aged over 25.
  • Choose from Comprehensive,Third Party Fire and Theft or Third Party Only.

 

Nominated Driver "Low Kilometre"

Ideal for people who drive less than 10,000kms per year

  • Attracts an additional discount on top of the nominated driver discount.
  • Cover is available for nominated drivers over aged over 25.
  • Comprehensive cover option

 

It is important you refer to the policy wording for full details of cover and options available. These are available when you are obtaining an online quote. Alternatively, please call Easy Street on 1300 13 14 65, or send an email to arrange to have a copy of the policy forwarded to you.

 

 

Before you go ahead with an online quote, you should read our Financial Services Guide (FSG). By proceeding with a quote, you confirm that you have read and understood our FSG. If you are satisfied with the online quotation provided, you have the option to immediately purchase the insurance cover online.

Summary of Features

Features

Comprehensive

Third Party Fire & Theft

Third Party Only

Uninsured Motorist Damage Yes Yes Yes
Up to 60% No Claim Bonus Yes No No
New Car Guarantee Yes No No
14 day car hire if your vehicle is stolen Yes Yes 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

Features

Comprehensive

Third Party Fire & Theft

Third Party Only

Vehicle return Yes Yes No
Emergency repairs Yes Yes No
Towing Yes Yes No
Personal Property Yes No No
Accommodation/Transport Home Yes Yes No

 

Before you go ahead with an online quote, you should read our Financial Services Guide (FSG) . By proceeding with a quote, you confirm that you have read and understood our FSG. If you are satisfied with the online quotation provided, you have the option to immediately purchase the insurance cover online.

More Information About The Policies

Money Back Guarantee

We provide you with 21 days to ensure you are fully satisfied with the policy and cover you have chosen.

Nominated Driver

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

This policy provides a discounted premium if the car will only be driven by up to 2 nominated drivers over 25 years of age and the vehicle does not travel more than 10,000 km's per year.

* Please note this policy is unavailable in Tasmania.

Upgraded Cover Entitlement

If your car is insured for Third Party Fire and Theft or Third Party Only, and you wish to upgrade to Comprehensive cover, we will provide one year's no claim bonus entitlement for each two years of claims free insurance.

14-day automatic cover

If you sell or trade your car, and within 30 days acquire a replacement car, the policy cover applies to the replacement car for up to 14 days.

Up to 60 per cent off - no claims bonus

For each claim free year with CGU, your rating will increase and your premium will reduce in this way until you reach the maximum no claim bonus of 60%.

Earned no claim bonus protection

If you have held your drivers license for eight years or more and not had any at-fault incidents in the last two years, or, been on the maximum No Claim Bonus with us for a consecutive two year period and not had any at fault claims in the past two years.

No fault benefits

With CGU's Comprehensive cover, your no claim bonus will be protected if you are involved in an accident that is not your fault. All you're required to do is provide us with the name, current residential address and vehicle registration details of the person who caused the accident and you won't even pay an excess.

Accessories

Your vehicle includes accessories, options and standard tools whilst they are in or on your vehicle, provided that you have told us of these accessories, options and standard tools.

Personal Property

Up to $500 for personal property (such as clothing and luggage) that is in your car and damaged during an accident or stolen from a locked car, when you are insured comprehensively.

Windscreen cover option

CGU's Comprehensive policy provides you with an option to select cover for one broken windscreen or window, in any one year, without having to pay the excess or penalise your no claims bonus.

Trailer

CGU's Comprehensive policy covers your trailer up to $1000 for loss or damage while it is attached to your vehicle at the time of the incident.

Hire vehicle

If your vehicle is stolen or if it is unsafe to drive as a result of theft or attempted theft, CGU will pay the reasonable cost of hiring a replacement car until your car is recovered, up to a maximum of 14 days.

New car guarantee

If your car is stolen or destroyed when it is less than 24 months old (and has travelled under 30,000kms); or between 24-36 months old (and has travelled under 50,000kms); the policy cover offers a new replacement vehicle including the cost of registration and dealer delivery.

Vehicle return

Cover for up to $500 to return your car if it is damaged in an accident more than 100 km's from where you live when you insure your vehicle comprehensively or for Third Party Fire & Theft.

Emergency repairs

Up to $500 cover for emergency or temporary repairs to enable you to drive your car home after an accident when you are insured comprehensively or for Third Party Fire & Theft.

Towing

Cover provided for towing your car to the nearest repairer or place of safety after an accident when you are insured comprehensively or for Third Party Fire & Theft.

Accomodation or transport home

When your car is damaged in an accident more than 100 kilometeres from your home, our policy provides up to $500 cover to either transport the occupants back to your home, or for any unplanned overnight accommodation.

Uninsured Driver Protection

If your car is insured with us for Fire, Theft and Third Party, or Third Party Only, we will cover your car for up to $5,000 damage if the responsible party is not insured. You must provide all details of the responsible party to claim this benefit.

$30 million liability cover

CGU's Car Insurance policies include up to $30,000,000 liability cover for loss or damage to someone else's property, including death or bodily injury to other people.

 

This insurance product is issued by Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance. Backed by IAG. Contact number 13 15 32. In arranging this insurance Community First Credit Union ABN 80 087 649 938 acts under its own Australian Financial Services Licence and under an agreement with the insurer, Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance. For the Life and Trauma covers, CGU holds an insurance policy issued by National Mutual Life Association of Australasia ABN 72 004 020 437 AFS Licence No. 234649 a member of AMP Group (NMLA). CGU administers the Life and Trauma covers on behalf of NMLA and CGU’s liability under that policy is limited to the administration of the policy including the management of claims. We receive commission on insurance products. Details of the commission we receive can be found in our Financial Services Guide. A Product Disclosure Statement (PDS) for this product is available at our offices. We will give you a PDS on application, which you should read and consider in deciding whether to buy or hold the product. This 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 this insurance policy, you should consider the appropriateness of it having regard to your personal circumstances, plus obtain and consider the current Product Disclosure Statement for the particular insurance policy.