Levels of cover
Choose from three levels of cover to suit your needs:
Choose from three policies depending on the type of vehicle and how you use it:
You may be able to reduce the amount you pay for your car insurance by
24/7 claims assistance
Step 1: Choose your level of cover
When choosing your level of cover, consider the value of your car and how much cover you’d like. For full details, see the Cover Comparison table below. Consider whether you could pay the replacement cost of your vehicle or someone else’s in case of an accident. There are three levels of cover to choose from.
|Cover||Description||Best for me?|
|Comprehensive||This cover offers comprehensive protection against loss or damage to your vehicle as a result of an accident, fire or theft. Includes cover for liability if your vehicle is involved in an incident causing loss or damage to someone else’s vehicle or property. For a list of the inclusions, see the ‘Inclusions’ table.||Consider this level of cover if your car is relatively new, or high in value or a leased vehicle, or if you need cover for a motorcycle, trailer or horse float.|
|Third Party Fire & Theft||This covers your vehicle for damage as a result of fire or theft. Includes cover for liability if your vehicle is involved in an incident causing loss or damage to someone else’s vehicle or property.||You might consider this insurance if your car has a lower value and you prefer a lower premium but still want cover for fire and theft.|
|Third Party Property Damage||Cover for liability if your vehicle is involved in an incident causing loss or damage to someone else’s vehicle or property.||This level of cover has the lowest premium, and protects your legal liability.|
To compare the policies and the inclusions for each level of cover, see ‘Inclusions’.
Step 2: Choose your policy
By selecting one of the policy options below, you have the flexibility to only pay for what you need
Need more detail?
It’s important to understand what you are and aren’t covered for. For full policy details and to make sure this insurance meets your needs, check the PDS.
These inclusions are designed to protect you and your car in your greatest time of need, and reduce your inconvenience in the event of an accident, fire or theft.
|Comprehensive||Third Party Fire & Theft||Third Party Property Damage|
|Australia wide accident cover|
|24/7 claims service|
|Pay by the month at no extra cost|
|Discounts when excluding all under 25 year old drivers|
|$30 million Liability cover|
|Towing and transport of your vehicle|
|Emergency or temporary repairs|
|Hire Vehicle costs after theft of attempted theft|
|Recording of locks and barrels after theft of keys|
|No Claim Bonus/Rating|
|Low kilometre discount|
|New car replacement after a total loss|
|Windscreen extension option|
|Baby capsules & child seats|
Need more detail?
It’s important to understand what you are and aren’t covered for. For the policy details, check the PDS.
Protect yourself and your car against the unexpected, and let us look after you. It’s easy to apply for your car insurance at St.George.
If your car is stolen or maliciously damaged
Call the police if your car is stolen or maliciously damaged. You may need to provide us with the name of the police officer and police station where you made the report.
If you are involved in an accident
You may need to provide us with this information when making a claim.
Insurance claim help
If you need assistance with your claim, call us on 13 15 32.
The advice on this website is general advice only and does not take into account your individual objectives, financial situation or needs (your personal circumstances). Before acting on this advice and making a decision about Protect Motor Vehicle Insurance, you should consider the appropriateness of the advice, and the current Product Disclosure Statement and policy wording (PDS) and the Supplementary Product Disclosure Statement and policy wording (SPDS) having regard to your personal circumstances.
Protect Motor Vehicle Insurance is issued by CGU Insurance Limited ABN 27 004 478 371 AFSL 238291 (CGU) and distributed by St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (St.George). In arranging this insurance, St.George acts under the Bank’s Australian Financial Services Licence.
This policy is not an investment in or deposit with the Bank. Neither the Bank, St.George nor any member of the Westpac Group guarantees the insurance benefits under the policies, or has any liability in connection with the policy or this information.
Call us 24 hours a day, 7 days a week, on 13 15 32 for immediate advice and assistance with your claim.