Compare our car insurance
Drive with confidence when you choose the cover that's right for you.
| Cover Benefit | ||
|---|---|---|
| Accidental loss or damage to your vehicle |
Yes |
No |
New for old replacement after a total loss will be for a vehicle of the same make, model, engine size,
features and paint type if:
|
Yes |
No |
| Legal liability cover up to $20 million is for loss or damage you cause to other people’s cars or property and for supplementary bodily injury arising out of a single - accident or a series of related events. |
Yes |
Yes |
| Approved legal costs arising from a claim for liability covered by the policy |
Yes |
Yes |
| Emergency repair costs after an accident - up to $500 for any one covered accident |
Yes |
No |
| Choice of your own repairer |
Yes |
No |
| Rental car after theft of your vehicle: $100 per day limit, up to 30 days4 |
Yes |
No |
| Towing after a covered accident |
Yes |
No |
| Temporary cover on a replacement vehicle - up to 14 days |
Yes |
No |
| Legal liability cover for a substitute vehicle |
Yes |
Yes |
| Cover for personal items in your vehicle – up to $1,000 for any one incident |
Yes |
No |
| Emergency accommodation and travel expenses after a covered accident, provided that your vehicle was more than 100km from where it’s normally parked at night - up to $1,000 for any one incident |
Yes |
No |
| Transportation costs if your vehicle can’t be safely driven home after a covered incident - up to $500 for any one incident |
Yes |
No |
| Lock re-keying / re-coding if the keys to your vehicle are stolen – up to $1,000 for any one incident |
Yes |
No |
| Child seat or baby capsule replacement after an accident - up to $500 for any one covered accident |
Yes |
No |
| Option to choose agreed value or market value |
Yes |
No |
| Optional benefits you can add | ||
| Rental car following at fault accident, where available: $100 per day limit, up to 30 days9 |
Yes |
No |
| Cover for tools of trade – up to $3,000 for any one incident |
Yes |
No |
| Options you can select to decrease your premium | ||
| Unnamed driver option (Unnamed driver excess of $2,500 applies if you make a claim for an incident that occurred when your vehicle was being driven by any driver who is not listed in the policy schedule as a named driver.) |
Yes |
No |
| EV cover benefits for comprehensive policies | ||
| Choose your own repairer, including specialised electric vehicle repairers |
Yes |
No |
| Cover for electric vehicle charging cables, charging accessories including wall mounted chargers and their wall mount for your vehicle providing you own the equipment. |
Yes |
No |
| Electric vehicle thermal runaway |
Yes |
No |
Know your policy inside and out
Download our Car Insurance Product Disclosure Statements for the complete picture of policy coverage across our car insurance products.
The table above is a summary only. For information on what is covered and not covered and the standard terms, conditions, limits and exclusions of cover, please read the Product Disclosure Statements.
Car insurance FAQ’s
Find the answers to frequently asked questions here.
When comparing which car insurance is right for you, you could consider some of the following attributes about a policy to determine if it is suitable for your needs and objectives:
- Coverage Type: Comprehensive, Third Party Property Damage (TPPD), or Third Party Fire & Theft* (TPFT).
- Premiums & Excess: Compare costs and out-of-pocket expenses.
- Included Benefits: Features like windscreen replacement, car hire or child or baby seat coverage.
- Exclusions: What’s not covered (e.g. unlicensed driving).
- No-Claim Bonus: Discounts for claim-free history.
- Claim Process: Ease, speed, and customer service quality.
- Repair Options: Choice of repairers or insurer-preferred only.
- Discounts: Multi-policy* or annual payment savings*.
This information is general advice only and may not reflect all the features of the insurance products we offer. To understand all of the features and benefits of Great Southern Bank Car Insurance please refer to the Product Disclosure Statement (PDS)
We may provide cover for anyone driving your vehicle, as long as you have given them permission and they are legally allowed to drive (e.g., hold a valid driver’s license and are not under the influence of drugs or alcohol). Other driver exclusions may apply, you should read the Product Disclosure Statement to understand all the driver exclusions that may apply. However, an additional excess may apply if they are involved in an accident and you need to make a claim. If someone will be driving your car regularly, it’s a good idea to contact us. Adding or naming the other person on your policy may remove the need to pay an additional excess in the event the other driver needed to claim.
Yes you should refer to your policy documentation which outlines your obligations on when payments are due or when they will be debited from your account
Applicable to Car, Home, Landlords & Caravan & Trailer Insurance products
Great Southern Bank, a business name of Credit Union Australia Ltd ABN 44 087 650 959 AFSL 238317 arranges this insurance as an agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. Great Southern Bank does not guarantee or otherwise support this insurance product. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits, exclusions and underwriting criteria apply. Before making a decision, please consider the relevant Product Disclosure Statement & Target Market Determination available from the Great Southern Bank website or by calling 133 282. 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. Online Discounts (See Applicable products below)
Car Insurance Only
The online discount applies when you quote and buy a new Comprehensive Motor Insurance policies only. Any online discounts offered are applied to Allianz’s 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 using other methods.
Home Insurance Only
When you both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply.
Landlord Insurance Only
When you both quote and buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium. This discount is not applied to Landlord workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply.
2. Combined Discounts - Applicable for Home & Contents Insurance products only
A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home and Contents Insurance policy, including the optional covers (if selected): Motor Burnout and Accidental Damage cover. The combined discount doesn't apply to any flood component of the premium (where covered) or to the optional covers Portable contents (if selected) and Domestic workers’ compensation (if available and selected). Minimum premiums may apply.
3. No Claims Bonus - Applicable for Home and landlords Insurance products only
When you take out a new policy, we calculate your No Claims Bonus (NCB) based on your home or landlord (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of up to 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding 5 years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus. We won’t apply the full percentage of the No Claim Bonus if it results in you paying less than the minimum premium.
Home Insurance Only
The No Claim Bonus isn’t applied to the flood component of the premium (if covered) or Domestic workers’ compensation (if available and selected) or Portable contents (if selected).
Landlords Insurance Only
The No Claim Bonus isn’t applied to the flood component of the premium (if covered), or Landlord workers’ compensation (if available and selected).
4. Minimum Premiums - Applicable for Car, Home & Landlords Insurance products only
Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges. Discounts may not be applied to the premium for optional covers.
Most discounts won’t apply below the minimum amount payable for the policy.
5. Option to change your excess - Applicable for Home & Landlords Insurance products only
Home Insurance Only
Not available with respect to any additional compulsory excess, any imposed excess applied to the policy, or to the Portable contents excess (if Portable Contents is selected). Any reduction in premium won’t be applied to government taxes and charges, any flood component of the premium (where covered), or to the optional covers Portable contents (if selected) and Domestic Workers’ compensation (if available and selected). Minimum premiums may apply.
Landlord Insurance Only
Not available with respect to any additional compulsory excess, or to any imposed excess applied to the policy. Any reduction in premium won’t be applied to government taxes and charges, any flood component of the premium (where covered), or to Landlord’s workers compensation (if available and selected) and the Theft by Tenant part of the optional cover Rent Default and Theft by Tenant (if selected). Minimum premiums may apply.
6. Instalment premiums - Applicable for Car, Home & Landlords Insurance products only
If you choose to pay your premium by instalments, you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.
7. 72 Hour exclusion period - Applicable for Home & Landlords Insurance products only
We may not provide cover for any loss of or damage to your property caused by cyclone, grassfires and bushfires, and certain other insured events during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to the PDS for a full list of the insured events to which the 72 hour exclusion period applies and the relevant exceptions.
8. Earthquake excess - Applicable for Home & Landlords Insurance products only
An additional imposed excess amount of $250 applies for each claim or loss or damage caused by an earthquake or tsunami, or a series of earthquake or tsunamis, during any period of 48 consecutive hours.
9. Rental Car limits - Applicable for Car Insurance products only
Allianz will extend your rental car or daily travel allowance period to the extent that Allianz caused or contributed to the delay in repairing your vehicle.
10. Safe Driver Discount - Applicable for Car Insurance products only
Safe Driver Discount applies to Comprehensive Car 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%. For more information see the Premium, Excess, Discount and Options Guide (PED).
11. Choice of Repairer - Applicable for Car Insurance products only
Allianz may authorise repairs at your repairer of choice; pay you the reasonable costs of repairing your vehicle; or move your vehicle to another repairer we both agree upon. We will act reasonable in doing so.
12. Cover Limits - Applicable to Life Insurance products only
Cover available up to $1,500,000 for persons aged 19-45, up to $1,000,000 for persons aged 46-54, up to $750,000 for persons aged 55-59 and up to $500,000 for persons aged 60-69.
Applicable to Life Insurance products only
Ezicover Life Insurance is issued by Zurich Australia Limited (Zurich) ABN 92 000 010 195 AFSL 232510 of 118 Mount Street, North Sydney, NSW 2060. Zurich has prepared the information on this website about Ezicover Life Insurance and Great Southern Bank is simply passing the information onto you. This information is of a general nature only and does not take in to account your objectives, financial situation or needs. You should consider these factors and the relevant Product Disclosure Statement, the relevant target market determination here, which contains details of conditions, limits and exclusions of cover, before making a decision regarding the product. Great Southern Bank does not recommend, endorse or advise you about this insurance. Great Southern Bank can only refer you to Zurich. If you buy an Ezicover policy, Great Southern Bank will receive a referral commission from Zurich of 20% (plus GST) of your insurance premium. This amount is paid by Zurich and is not an additional cost to you. This information is current as at 27 September 2021 and is subject to change. PDR GCLS-017496-2021