Credit Protection Insurance, issued by St Andrew's, is designed to help with your loan repayments if an unforeseen insured event occurs, such as your death, accident, sickness or involuntary unemployment. 
Policies Available:
Mortgage Protection – for Home Loans and Lines of Credit Facilities
Loan Protection – for Personal Loans

Why choose us?

Important Information:

^ If you are certified totally unfit for work for a continuous period of 30 days or more, St Andrew's will pay a monthly benefit after the first 30 days for up to 36 months. Cover ends when you return to work for 50% or more of the hours you were working immediately prior to you being certified totally unfit for work. A maximum monthly payment of $12,000 and an overall maximum benefit of $100,000 applies for all Accident & Sickness claims with St Andrew’s.

* If you become involuntarily unemployed for a continuous period of 30 days or more, St Andrew's will pay a monthly benefit after the first 30 days for up to 6 months for any one claim. If you are an employee, cover ends when you return to work for 50% or more of the hours you were working immediately before becoming unemployed. If you are self-employed, cover ends when you return to work for 20 hours or more per week. A maximum monthly payment of $12,000 and an overall maximum benefit of $100,000 applies for all Involuntary Unemployment claims with St Andrew’s. Involuntary Unemployment can only be purchased with Life Cover and/or Accident & Sickness Cover and can't be purchased on its own.

For Loan Protection Accident & Sickness and Involuntary Unemployment cover, the monthly benefit will be equal to your monthly loan amount.

For Mortgage Protection Accident & Sickness and Involuntary Unemployment cover, the monthly benefit will be your monthly repayment multiplied by your chosen percentage of cover (for home loans) or 0.75% of your credit limit multiplied by your chosen percentage of cover (for lines of credit).

Eligibility criteria, qualifying periods, exclusions and limitations apply on all cover levels. Please refer to the Product Disclosure Statement to see if this product is right for you.

Mortgage Protection and Loan Protection are issued by St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 and St Andrew's Life Insurance Pty Ltd ABN 98 105 176 243 AFSL 281731 (collectively St Andrew’s). These insurances are arranged by Railways Credit Union Limited trading as MOVE Bank ABN 91 087 651 090 AFSL 234536 of GPO Box 648, Brisbane QLD 4001, telephone 1300 362 216, under its own AFS licence and under an agreement with St Andrew's. Terms, conditions, limits and exclusions apply. Any advice given is general only and does not take into account your personal objectives, financial situation or needs. Before deciding whether to purchase or to continue to hold these products you should consider whether any advice is appropriate to your personal circumstances as well as the applicable Mortgage Protection Product Disclosure Statement or Loan Protection Product Disclosure Statement. MOVE Bank is unable to provide personal advice about these products. If you purchase a policy, MOVE Bank receives a commission of 20% of your premium (excluding any government charges or taxes).