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ozinsure60
 Budget Direct Insurance
Owned By: Members (non-for profit) Underwritten By: Allianz Australia Insurance Limited (S&P: AA-)

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United Community is one of Western Australia's leading Credit Unions (CU) and was established in 1972 as a financial co-operative offering a real banking alternative to West Australians.  United Community merged with Adelaide based CU Community CPS to become one of the largest CUs in Australia with more than 175,000 members.

United Community provides a professional service offering  insurance products from a range of leading insurance companies.  Our aim is to provide you with sufficient information to allow you to decide the best policy for your needs.

Source: United Community

Third Party Property Motor
Owned by:
Members (non-for profit)
Underwritten by:
Allianz Australia Insurance Limited (S&P: AA-)
Owner of Underwriter:
Allianz Group
Pay by the Month:
Yes
Cooling off period:
14 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
NCB is for Comprehensive Only
NCB preserved - if not at fault:
NCB is for Comprehensive Only
Rating 1 Protection:
NCB is for Comprehensive Only
Maximum No claim bonus:
NCB is for Comprehensive Only
Uninsured Motorist Cover:
$3000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (conditions)
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
yes (no cover if: restricted driver option is chosen and driver is
Ability to choose repairer:
Yes (uninsured motorist cover)
Lifetime guarantee on repairs:
Yes (uninsured motorist cover)
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
No
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
No
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
No
Third Party Property (Fire & Theft) Motor
Owned by:
Members (non-for profit)
Underwritten by:
Allianz Australia Insurance Limited (S&P: AA-)
Owner of Underwriter:
Allianz Group
Pay by the Month:
Yes
Cooling off period:
14 days
24 Hour help line:
Yes
Sum Insured:
Market (max $5000)
NCB preserved - if at fault:
NCB is for Comprehensive Only
NCB preserved - if not at fault:
NCB is for Comprehensive Only
Rating 1 Protection:
NCB is for Comprehensive Only
Maximum No claim bonus:
NCB is for Comprehensive Only
Uninsured Motorist Cover:
$3000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (conditions)
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
yes (no cover if: restricted driver option is chosen and driver is
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
Yes
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
No
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
No
Excess
Not at fault claims
No Excess
Basic Excess
WA/TAS/SA/NT=$350, NSW/ACT: $550, QLD: $450
Variable Excess
Yes
<25 years old
SA/TAS/QLD: $450, NSW: $500, ACT: $550, WA: $500, NT: $350
Remove Excess
No
Licensed <2 years
NSW/ACT: $600, TAS: $450, QLD/SA: $500, WA: $500, NT: $350
Theft Excess
Yes
Not Nominated
Nominated Driver policy only - excess is $5,000
Years to Rating 1
5 years
<25 & Not Nominated
NSW/ACT: $900, SA/QLD/WA/TAS/NT: $750
Window & Glass
Optional (1 free)
No Claims Discount (ncd)
Rating 2
TAS: 60%, SA/VIC: 55%, NSW/WA/QLD: 50%
Window & Glass
No change if not at fault
Rating 3
TAS: 50%, SA/VIC: 45%, NSW/WA/QLD: 40%
Not your Fault (no-fault)
No change if not at fault
Rating 4
TAS: 40%, VIC: 35%, SA: 33%, NSW/WA/QLD: 30%
Your Fault (at-fault)
downgrade NCD if you don't hold NCD protection
Rating 5
TAS: 30%, VIC: 25%, SA/NSW/WA/QLD: 20%
Lifetime rating 1
No
Rating 6
Zero (0%)
NCD Protection
Optional (rating 1 only)
Rating 1
SA/VIC/TAS: 65%, NSW/WA/QLD: 60%