People's Choice Credit Union
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People’s Choice car insurance review

With some benefit limits higher than average, drivers will also face higher premiums if opting for People’s Choice.

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Our verdict

Pros

  • Pay fortnightly or monthly at no extra cost.
  • Up to $800 is covered for emergency repairs - often, brands only offer $500.
  • Up to $100 per day - Up to 21 days is a generous hire car limit.

Cons

  • Annually, People's Choice premiums were $250 higher than average.
  • Up to $500 is covered for emergency accommodation, but many brands offer up to $1,000.
  • At an average of $1,613, premiums were higher than average.

How does People's Choice car insurance compare with other car insurers?

People's Choice premiums are generally higher than average, but some of its benefit limits are generous in comparison to other car insurers.

Features

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
People's Choice Credit Union Comprehensive
  • If your car is written off in the first 3 years and is under 50,000 km
  • Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
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    Price

    Price comparison data from the 2024 Finder Insurance Awards identified the average price of a comprehensive car insurance policy to be $1,363. In comparison, People's Choice policies cost an average of $1,613.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    People's Choice Logo$1,820$1,343$1,334$1,335$2,154$1,689$1,613More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info

    Compare People's Choice car insurance's policies

    1 - 3 of 3
    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    People's Choice Credit Union Comprehensive
  • If your car is written off in the first 3 years and is under 50,000 km
  • Up to $100 per day - Up to 21 days
  • People's Choice Credit Union Third Party Fire And Theft
  • Up to $100 per day - Up to 21 days
  • People's Choice Credit Union Third Party Property Damage
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    What additional cover options are available?

    People's Choice offers a range of customisation options that can be added to comprehensive car insurance policies, including:

    • Low kilometre policy. Enjoy a cheaper premium if you drive less than 10,000km a year.
    • Hire car after accident. Up to $100 per day - Up to 21 days is available for a hire car if yours is out of action due to an insured event.
    • Windscreen extension. Repair or replace your windscreen or window glass a maximum of once a year, without paying an excess or affecting your No Claim Bonus.
    • One at-fault claim protection. Protect your No Claim Bonus for one at-fault claim during your period of insurance. To be eligible, you must be on the maximum No Claim Bonus.
    • All at-fault claims protection. Protect your No Claim Bonus for all at-fault claims during your period of insurance. To be eligible, you must be on the maximum No Claim Bonus.

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