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Motor Vehicle Insurance

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Cars cost money to buy, money to own, and money to run. So anywhere you can save deserves closer inspection.

With Orange Credit Union’s Motor Vehicle Insurance, you can relax and enjoy the drive, knowing that should anything happen, you can be back on the road without major expense or hassles.

You have a range of cover options, depending on your own circumstances and those of others likely to drive your car:

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This policy provides complete cover, regardless of the number of licensed drivers using the vehicle.

It protects you against theft, fire and damage to your car, as well as damage you may cause to another person’s car or property.

30+ Nominated Driver Cover

If you are a more experienced driver 30 years of age or over, and others under 30 won’t be driving the car, you can nominate two drivers who are 30 years of age or over and take out a full comprehensive policy at a discounted price.

Third Party Only 

This provides cover for damage you may cause to another person’s car or property, but does not cover your own car.

Uninsured Driver Protection Cover is included under this policy.

Third Party Fire & Theft

This is an extension of the Third Party Only Policy, which provides cover if your car is stolen or damaged due to fire.

New Car Replacement Option

Insure your brand new car with QBE within two years of purchase, and if it’s written off within the first four years of ownership or 100,000kms, whichever comes first, it’ll be replaced with a new one (conditions apply).



Third Party 

Third Party Fire & Theft

Accidental loss or damage to your vehicle

Loss or damage caused by fire or theft

14 day hire car following theft

Windscreen or window glass breakage cover option

4 year new car replacement option

Repairs or replacement of single box trailer

Towing costs following loss or damage

Essential temporary repairs

Cover for personal items damaged in an accident

Hire car after accident option

Emergency accommodation and transport costs

Finance Gap cover

Uninsured motorist benefit

Legal liability for damage caused by your passenger to another person's property

Legal liability for other people driving your vehicle

Legal cost incurred in relation to legal liability cover

*Includes 30+ Nominated Driver Cover

  Ways to save insurance costs

1.  A choice of excess

Your excess is the initial amount you have to pay yourself if you make a claim, and we offer variable excess. The higher the excess you choose, the lower the premium you’ll pay.

2.  Multi-policy discount

Once you have one MemberCare insurance policy with us, we’ll give you a discount on each additional MemberCare policy

3.  No claim bonus

If you’ve been claim-free for a period of 12 months upward, you may qualify for a no-claim bonus of up to 60% off the base premium.

The convenience of having Motor Insurance under the same roof as your financial services isn’t the only way we make life easier. From making your application to making a claim, Orange Credit Union ensures things are as straightforward as possible. You can apply online, by phone, or at any branch. Flexible payment options include fortnightly, monthly or annual direct debit or credit card payments (excluding Diners Club).

If you do need to make a claim, we won’t make you wade through paperwork. QBE have a 24-hour emergency claims number, and in most cases, you need just provide details over the phone.

  Our relationship with QBE

Motor Vehicle Insurance is one of a comprehensive range of insurance solutions offered through our association with QBE Insurance. Founded in 1886, QBE is one of Australia’s leading insurers. It’s because of QBE’s experience, security and strength – as well as its prompt, efficient and friendly claims service – that we’ve made it our general insurance provider.


This partnership enables us to deliver Orange Credit Union's members quality and value in insurance products, with the added convenience of having everything under the same roof.


  Additional Product Information:

Important Information: As a holder of Australian Financial Services Licence (AFSL No. AFSL 240768.), Orange Credit Union can issue, vary, renew and cancel this insurance policy under a ‘binder’ provided by the Insurer. A ‘binder’ is an agreement that allows Orange Credit Union, as agent of the Insurer, to enter into contracts of insurance on behalf of the Insurer. This means that the insurance policy issued to you by Orange Credit Union is binding on the Insurer just as if it had issued the policy itself. Insurance policies are issued by QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFS Licence 239545. Before making a decision about your insurance needs please refer to the Product Disclosure Statement or Target Market Determination (TMD) available from Orange Credit Union.

Terms and Conditions apply: Multi-policy discount is not available on your first policy and only applies when all policies (excluding boat) are purchased through Orange Credit Union.


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