Increase font size Decrease font size

Motor Vehicle Insurance

Attention: open in a new window. Print

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 South West Credit’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.

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 South West Credit members quality and value in insurance products, with the added convenience of having everything under the same roof

Cover Options

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.

For new cars, a new car replacement policy

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).

A range of ways to save

With South West Credit 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 & 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, South West Credit ensures things are as straightforward as possible.

You can apply online, by phone, or at our 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.

Download the product disclosure statement

Motor Vehicle Product Disclosure Statement

To Apply

Use the QBE online quoting form

Product Factsheet

Request a product factsheet  Request a factsheet


If you have any questions Contact Us

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.