Car insurance. | Defence Bank

Defence Bank offers a range of benefits on car insurance to keep you covered. Right now, for a limited time, you can earn a $100 eftpos card when you purchase a new comprehensive car insurance policy before 31 December 2020.

Purchase any new comprehensive car insurance policy, pay your first month's premium and after the 21 day cooling off period, we will send you a $100 eftpos card for whatever you need, for whatever's ahead.*

Terms and conditions.

Car insurance.

Defence Bank's motor vehicle insurance policies give you the freedom to choose the best cover to suit your needs.

Comprehensive.

Cover for loss or damage to your vehicle, and your legal liability for loss or damage to another person's vehicle or property.

Third Party Fire and Theft.

Cover for loss or damage to your vehicle by fire or theft only, and your legal liability for loss or damage to another person's vehicle or property.

Third Party Property Damage.

Cover for your legal liability for loss or damage to another person's vehicle or property.

We've developed three motor vehicle insurance policies for you to choose from, based on how you use your car.

Motor vehicle insurance policy.

The motor vehicle insurance policy is the most flexible policy, available under all levels of cover.

Nominated driver motor vehicle insurance policy.

The nominated driver motor vehicle insurance policy is available under all levels of cover and designates that your car can be driven by no more than two nominated drivers who are 25 years of age or over.

Nominated driver low kilometre motor vehicle insurance policy.

Nominated driver low kilometre motor vehicle insurance policy designates that your car will be driven by no more than two nominated drivers who are 25 years of age or over, and will not be driven more than 10,000 kilometres during your period of insurance. This policy is only available with comprehensive cover.

The table below shows the three policies and the level of cover available for each.

Policies.	Comprehensive.	Third party fire and theft.	Third party property damage.
Motor vehicle insurance.	Yes.	Yes.	Yes.
Nominated driver motor vehicle insurance.	Yes.	Yes.	Yes.
Nominated driver low kilometre motor vehicle insurance.	Yes.	No.	No.

Each of our Motor Vehicle insurance policies include additional cover. The table below shows some of the additional covers automatically included under each level of cover.

Policies.	Comprehensive.	Third party fire and theft.	Third party property damage.
Uninsured motorist damage.	Full cover.	Yes.	Yes.
Earned no claim bonus protection.	Yes.	No.	No.
Replacing your vehicle after a total loss.	Yes.	No.	No.
Hire vehicle costs after a theft or attempted theft.	Yes.	Yes.	No.
$30m liability cover.	Yes.	Yes.	Yes.
Windscreen extension option.	Optional.	No.	No.
Trailer attached to your vehicle.	Yes.	No.	No.
Emergency or temporary repairs.	Yes.	Yes.	No.
Towing and transport of your vehicle.	Yes.	Yes.	No.
Removal of debris.	Yes.	Yes.	No.
Personal items.	Yes.	No.	No.
Re-coding of locks and barrels after theft of keys.	Yes.	Yes.	No.
Baby capsules and child seats.	Yes.	No.	No.
Storage costs.	Yes.	Yes.	No.

Comprehensive covers for your car as well as any damage you may cause to other vehicles or property.
Third Party Fire & Theft provides cover for your car if it's stolen or damaged by fire, but not if you're in a collision. It will also cover any damage you may cause to other vehicles or property.
Third Party Property Damage only provides cover for any damage you may cause to other vehicles or property. Your own car is not covered for any damage.

Insurance issued by Insurance Australia Limited ABN 11 000 016 772 AFSL 227681 trading as CGU Insurance. In arranging this insurance Defence Bank Limited (Defence Bank) acts under its own AFSL and under an agreement with the insurer. The relevant Product Disclosure Statement (PDS) should be referred to when making a decision to acquire any insurance product. The PDS is available by calling 1800 033 139 or visiting any Defence Bank Branch.

The information contained in this brochure is general advice only as it has not taken into account you financial situation, objectives or needs. Defence Bank Limited ABN 57 087 651 385 AFSL/Australian Credit Licence 234582.

The PDS for the car insurance product is available at any Defence Bank branch or can be viewed here.

We receive a commission for insurance product sales. Details of the commission we receive can be found in our Financial Services Guide (FSG).