Car Insurance

With the right cover, you can cruise

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

With Pulse 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
PDF icon MemberCare Motor
Insure PDS

276 kb PDF Document

Competitive, convenient cover backed by 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 Pulse Credit Union members quality and value in insurance products, with the added convenience of having everything under the same roof.

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

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+ Plus 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.

Insure your brand new car with QBE within 2 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).

With Pulse Credit Union there are various ways to enjoy discounts on your premium.

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.

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

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.

Summary of Benefits

Benefits Include Comprehensive (including Nominated 30+ Driver Policies) Third Party Only Third Party Fire
and 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


Easy to arrange, simple to claim

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,  Pulse 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.

Important Notes

Terms, conditions and acceptance criteria apply.  Cover limits apply as set out in the policy wording.  This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement  to decide if a product is right for you
# Multi-policy discount is available on your first policy after renewal and is only available for Home, Landlords and Motor Vehicle policies that are purchased through the same financial institution

Insurance issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545.