Motor Insurance

Allianz Motor Insurance through G&C Mutual Bank

Motor Insurance provides you with a great range of features as well as optional benefits so that you can tailor your cover to suit your needs.

Why choose car insurance through G&C Mutual Bank underwritten by Allianz?

Cover your vehicle with an excellent range of features and levels that G&C Mutual Bank can offer to suit your budget and needs.

Our car insurance offers;

  • Up to 10% discount on your car insurance policy when you buy online¹,²
  • You may be able to increase your excess to reduce your premium¹
  • Choose your own repairer
  • 24/7 claims lodgement service
  • Rental car for up to 30 days if your car is stolen ($100 per day limit)
  • Safe driver discount for eligible drivers¹,³                                                                                                                                                              

Choice of car insurance products

Comprehensive Car Insurance
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.

Third Party Property Damage
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 Insurance/Third Party Property Damage - Comparison Table:

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

Key benefits

  Comprehensive Insurance
Third Party Property Damage  

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Cover for accidental loss of or damage to your vehicleY
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  Y Y
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 Y Y
Cost of emergency repairs after a covered accident – up to $500 for any one incident Y N
Rental car after theft of your vehicle - $100 per day limit, up to 30 days Y
Reasonable cost of towing after a covered incident Y N
Temporary cover on replacement vehicle – 14 days Y N
Trailer and caravan cover - $1,000 or market value of the trailer or caravan, whichever is the lesser Y N
Legal liability cover when using a substitute vehicle Y Y
Cover for personal items in your vehicle – up to $1,000 for any one incident Y N
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 Y N
Cover for transportation costs if your vehicle cannot be safely driven home after a covered accident – up to $500 for any one incident Y N
Lock re-keying / re-coding if the keys to your vehicle are stolen – up to $1,000 for any one incident Y N
Cover for child seat / baby capsule in your vehicle after a covered accident – up to $500 for any one incident Y N

Optional benefits you can add

Comprehensive Insurance
Third Party Property

Rental car following accident, where available - $100 per day limit, up to 30 daysY
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 insuranceY
Cover for tools of trade – up to $3,000 for any one incidentY

Options you can select to decrease your premium

   Comprehensive Insurance  Third Party Property
Named driver option                                            
 Y  N

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How to claim

To make a car insurance claim online, anytime

The fastest, easiest way is via the online claim form.  You can submit your car insurance claim notification 24 hours a day, 7 days a week, whenever it suits you.

It takes less than 10 minutes to complete the online claim form and once we receive it, one of our friendly claims consultants will contact you as soon as possible.

  • Secure form
  • There are no phone queues
  • Immediate confirmation number for your reference

Submit your claim to our underwriter via the online claim form 

Over the phone - 24 hours a day, 7 days a week claims hotline

Alternatively, you can Allianz on 1300 555 013 and a friendly consultant will take you through the claims process.

G&C Mutual Bank arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Pro duct Disclosure Statement available from here. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services. 

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%.