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No matter how careful you might be on the roads, accidents can still occur. We offer competitive Comprehensive Car insurance cover from Allianz, so you and your loved ones can travel with peace of mind.


Why choose Allianz for your Comprehensive Motor Insurance:

  • You may be able to increase your excess to reduce your premium1
  • Choice of repairer
  • 24/7 claims lodgement service
  • Rental car for up to 30 days if your car is stolen ($100 per day limit)
  • You may be able to save on your premium when you select the named driver option and list all your drivers on the policy1
  • Safe driver discount for eligible drivers1,3 


Compare the features

Comprehensive Insurance

Third Party Property Damage

The highest level of cover we offer for your vehicle which provides cover for fire, theft, accidents and malicious damage. It also covers your legal liability for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault.

Covers your legal liability for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault.


Comprehensive Cover

Third Party Property Damage

Cover for accidental loss of or damage to your vehicle



 New for old replacement of a new vehicle after a total loss, if:  
  • you purchased your vehicle new (or as a demonstrator model) from the manufacturer or their dealer; 
  • your vehicle is less than 2 years old from its first registration at the time it is declared a total loss;
  • where relevant, your financier has given its written consent; and
  • a new replacement vehicle is available in Australia.



Cover for your legal liability for loss or damage to other people's property and legal liability for supplementary bodily injury– up to $20 million for any one event or series of related events



 Cover for loss or damage to your vehicle arising from an accident caused by the driver of an uninsured vehicle – up to $5,000, provided that: 
  • you did not contribute to the cause of the accident;
  • you can provide the name and address of the person responsible for the accident; and
  • you can provide the registration number of the other vehicle.



 Approved legal costs arising from a claim for liability covered by the policy

 Cost of emergency repairs after a covered accident – up to $500 for  any one incident



 Rental car after theft of your vehicle - $100 per day limit, up to 30 days



 Reasonable cost of towing after a covered incident



 Temporary cover on replacement vehicle – 14 days



 Trailer and caravan cover - $1,000 or market value of the trailer or caravan, whichever is the lesser



 Legal liability cover when using a substitute vehicle



 Cover for personal items in your vehicle  – up to $1,000 for any one incident



 Cover for reasonable additional accommodation and travelling expenses after a covered accident, provided that your vehicle was more than 100km from where it is normally parked at night – up to $1,000 for any one incident



Cover for transportation costs if your vehicle cannot be safely driven home after a covered accident – up to $500 for any one incident
Lock re-keying / re-coding if the keys to your vehicle are stolen – up to $1,000 for any one incident
Cover for child seat / baby capsule in your vehicle after a covered accident – up to $500 for any one incident
Optional benefits you can add    
Rental car following accident, where available - $100 per day limit, up to 30 days
Removal of basic excess for windscreen claims if the broken windscreen is the only damage to your vehicle - 1 replacement and 2 repairs in any period of  insurance
Cover for tools of trade – up to $3,000 for any one incident
Options  you can select to decrease your premium    
Named driver option


Want to learn more?

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Product Disclosure Statement






If you have any questions, please contact us




Goulburn Murray Credit Union Limited Co-Operative arranges this insurance as agent for the insurer Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFS Licence No. 234708. We do not provide advice on this insurance based on any consideration of your objectives financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please read the Product Disclosure Statement available on this website via the quoting system or by calling Goulburn Murray on (03) 5821 9033. If you purchase this insurance, GMCU will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

1 Minimum premiums may apply. Any discounts / entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts / entitlements. Discounts may not be applied to the premium for optional covers.

2 The online discount applies to new Comprehensive Motor Insurance policies only.   Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless otherwise stated).  Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.

 3 Safe Driver Discount applies to Comprehensive Motor Insurance policies only. Any discount entitlement is determined by the insurance history and driving history of all drivers on the policy and the number of claims made by them. If eligible, the maximum Safe Driver Discount that may be applied on new policies is up to 10%.

PDS Motor