“we, “us” or “our” means

Community CPS Australia Limited (incorporating United Community, Companion Credit Union and Wagga Mutual Credit Union) ABN 15 087 651 143 AFSL 237856. Neither we nor any of our related companies guarantee the benefits payable under the policies or the repayment of any premium.

Who are the Insurers?

Home Insurance is provided by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708. We act as an agent of Allianz in arranging this insurance and not as your agent.

Motor Vehicle Insurance is provided by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708. We act as an agent of Allianz in arranging this insurance and not as your agent.

Landlord Insurance is provided by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708. We act as an agent of Allianz in arranging this insurance and not as your agent.

Pleasurecraft Insurance is issued by Club Marine Limited (Club Marine) ABN 12 007 588 347, AFSL 236916 as agent for the insurer Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708. Club Marine is a related body corporate and an agent of Allianz. We act as agent for Club Marine in arranging this insurance and not as your agent.

Caravan and Trailer Insurance is provided by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708. We act as an agent of Allianz in arranging this insurance and not as your agent.

Travel Insurance is underwritten by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708 and arranged and managed by AGA Assistance Australia Pty Ltd trading as Allianz Global Assistance ABN 52 097 227 177 AFSL 245631. Allianz Global Assistance is authorised by Allianz to enter into and arrange the policy and settle any claims under it. We act as an agent for Allianz Global Assistance in arranging this insurance and not as your agent.

Life Insurance is issued by Allianz Australia Life Insurance Limited (Allianz Life) ABN 27 076 033 782, AFSL 234708. Community CPS Australia Ltd AFSL No. 237856 ABN No. 15087651143 refers to you to Allianz Life and provides advice on this insurance as agent and authorised representative of Allianz Life.  The other financial services provided by Community CPS as shown are provided under Community CPS's own AFS Licence not as agent of Allianz Life.  We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs.  Before making a decision about it please refer to the Product Disclosure Statement available from this website or by calling 1300 362 108.  If you purchase this insurance Community CPS will receive a commission that is a percentage of the premium.  Ask Community CPS for more details before they provide you with any services on this product.  From time to time Community CPS may send you information or offers that may be relevant or of interest to you.  If you do not wish to receive this information or offers, please call us on 132 585 to advise.

Consumer Credit Insurance Loan Cover Five Year Mortgage Repayment Continuous Credit

Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708 is the insurer of the Disability cover (Part 2) and Involuntary Unemployment cover (Part 3) and is only responsible for these covers. Allianz Australia Life Insurance Limited (Allianz Life) ABN 27 076 033 782, AFSL 296559 is the insurer of the Death cover (Part 1) and is only responsible for this cover. Allianz acts as Allianz Life’s agent in offering and administering the Death cover. We act as an agent of Allianz in arranging this insurance and not as your agent.

Club Card
Club Card is a scheme designed, developed and administered by Club Marine in association with participating providers. The participating providers may change. We accept no liability or responsibility for the conduct or services provided by participating providers to the Club Card scheme including their employees, agents, contractors or sub-contractors, nor do we guarantee the provision or quantum of any discount(s) provided.

Club Marine Assist
Assistance service is provided by AGA Assistance Australia Pty Ltd trading as Allianz Global Assistance ABN 52 097 227 177 AFSL 245631. Please refer to the Club Marine Assist information sheet for terms, conditions and limitations. We accept no liability or responsibility for the assistance services provided by Club Marine, Allianz Global Assistance, their employees, agents, contractors or sub-contractors.

Commissions
When we arrange insurance, we may receive a commission from the insurer. The commission is calculated as a percentage of the premium you pay, not including any taxes or other government charges. The amount of commission varies depending on the type of insurance and will be in the range of 0% to 30%. Commission is only payable on premium actually paid.

Minimum Premiums and Discounts
Minimum premiums may apply. Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one discount/entitlement, each is applied in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discount/entitlement. Discounts may not be applied to any flood component of the premium (if applicable).

Policy benefits and features
All information regarding the benefits, features or extent of cover provided by any of the policies is provided as a summary only. You should refer to the relevant Product Disclosure Statement (PDS) for the full policy terms, conditions, exclusions and limitations. The PDS can be reviewed from this website or you can call us on 13 25 85 and request a copy.

Premiums paid by instalments
Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Please check with your financial institution regarding any fees applying to the use of your credit card.

Sum Insured calculators
The building sum insured calculator is provided by Reed Construction Data. The contents sum insured calculator is provided by Sum Insured Pty Ltd. We accept no liability for the content or accuracy of the calculators.

Trade Mark
PremierCare® is a registered Trade Mark of Community CPS Australia Limited.