Are you adequately insured?

Police Credit Union, through CGU Insurance, offers a competitive range of insurance products to suit your needs. Features and benefits include:

• Special discount PCU member rates.
• Pay-by-the-month premiums at no extra charge (excluding travel).
• Access to a wide range of quality insurance options.
• Prompt and efficient local claims service.
• The security of one of Australia’s largest general insurers, CGU Insurance.
• “Low kilometre” and “nominated-driver” discounts for motor insurance.
• Access to CGU’s 24 Hour Support service line for home insurance customers.

We offer home-and-contents, car, boat, caravan, landlord and travel insurance.

During May and June 2004, Police Credit Union members who take out a new car insurance and/or home-and-contents insurance policy will automatically receive a huge 20 per cent discount, plus, each month, you also get the chance to win a $500 Holiday Break! For more information and a five-minute quick quote, phone 131 844 and speak to our friendly staff.

Home-and-contents insurance

If you want to rest easily at night, secure in the knowledge that your property and possessions are safely insured, a First Choice CGU Home Insurance policy through Police Credit Union is for you.

These policies have been designed to meet the needs of everyone – retirees, families, working couples, or young people starting off with their first home or flat. First Choice CGU Home Insurance cover allows you the freedom to select the type of cover you require.

Listed events cover is one of the options available with a First Choice CGU Home Insurance policy. Some of the key features of this policy are:

• Pay-by-the-month at no extra cost.
• This policy provides protection against events such as fire, lightning, earthquake, burglary, explosion, storm damage and even a vehicle running into your house.
• Alternative accommodation following a loss.
• Electronic equipment like non-portable computers up to $20,000 new-for-old replacement regardless of age.
• And much more.

Blue Ribbon Accidental Damage, an alternative cover, is a CGU specialty. This option protects your property against a vastly broader range of risks for any accidental loss or accidental damage, and can provide you with a higher degree of peace of mind. It includes a range of additional benefits, including the same things as listed events cover, plus these extras:

• Pay-by-the-month at no extra cost.
• Your property is covered against a vastly broader range of risks for any accidental damage or accidental Australia-wide-cover loss.
• Unlimited cost for key and lock replacement.
• Unlimited cover against food spoilage of frozen food from a freezer breaking down.
• And more... New-for-old replacement regardless of age.
• Additional cover for removal of debris, and architect and surveyors’ fees.

Call into a Police Credit Union branch and pick up a copy of the brochure Are You Under Insured? This free guide can assist you to calculate an accurate sum insured for your home and contents.

Car insurance

The choice and flexibility of CGU’s car insurance policies continue with the choice of three levels of CGU car insurance cover.

Car Insurance

The Car Insurance policy is our most flexible, and, like all CGU policies, offers real value for money. Cover is available for all authorized drivers.

Nominated Driver Policy

Nominated Driver Car Insurance policy provides a discounted premium if the car will only be driven by up to two nominated drivers over 25 years of age.

Nominated Driver “Low Kilometre” Policy

If you don't do a lot driving, the Nominated Driver “Low Kilometre” Car Insurance* policy is ideal for you. It features a generous premium discount when the insured vehicle, driven by up to two nominated drivers over 25 years of age, travels less than 10,000km in a 12-month period.

Some key features of our CGU Car Insurance are:

• Uninsured driver protection on third party property damage and third party fire and theft policies.*
• 14-day car hire following theft of car.*
• No-fault benefits.
• New car replacement guarantee.

Phone 131 844 for a quick quote, or go to our website to quote and buy today, and take advantage of the fantastic discounts on offer and go into the draw for the $500 holiday break!

*This is a summary of benefits only. For full details of the scope and limitations of cover please read the complete policy wording. To obtain a copy of the policy wording, please ring 131844. This discount only applies to new insurance policies and for the first 12 months premium only. CGU’s normal underwriting criteria applies.
Car Insurance and home and contents insurance is issued by CGU Insurance Limited ABN 27 004 478 371. An IAG Company. Police Credit Union acts as an agent for CGU. Product Disclosure Statements (PDS) for these products are available from CGU or any branch of Police Credit Union. You should consider the PDS before deciding to guy or hold the product.
Car Insurance and Home and Contents Insurance are issued by CGU Insurance Limited ABN 27 004 478 371, An IAG Company. Police Credit Union acts as an intermediary for CGU. You can get a Product Disclosure Statement (PDS) for the relevant product from any office of Police Credit Union or CGU. You should consider the PDS in deciding whether to buy or hold the relevant 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 insurance policy.