|Personal loan protection||
|Sickness or Accident||
|Easy to apply||
|Claim benefits paid direct to your loan||
Need more detail?
It’s important to understand what you are and aren’t covered for. For the Personal Credit Protect policy details, check the Product Disclosure Statement
If you’re applying for a personal loan from a St.George branch or over the telephone, consider how you would meet your loan repayments if something unexpected were to happen to you. Personal loan protection can help you meet your personal loan repayments if should you become sick, have an accident, lose your job, or pass away.
St.George Personal Credit Protect cover includes:
Need more detail
Read the St.George Personal Credit Protect Product Disclosure Statement to make sure the personal loan protection meets your needs.
St.George Personal Credit Protect means you have less to worry about in being able to meet your personal loan repayments. You and your family can focus on recovering should the unexpected happen, knowing we’re there to support you.
Personal Credit Protect is easy to put in place when you apply for your new personal loan or refinance your existing personal loan, at one of our branches or over the telephone, and the one-off premium is simply added to your loan amount. Once you have set it up, there is no more for you to do and you can relax knowing you’re covered.
In the event of a claim, any amounts are paid directly to your loan. Here’s an example of how this could work for you.
|Life||We will pay the outstanding balance of your personal loan owing at the date you pass away|
|Sickness and accident||We will pay the monthly loan repayment until you return to work|
|Job loss (Involuntary Unemployment)||We will pay the monthly loan repayment for up to 3 months or $1,500, whichever occurs first|
Need more detail?
Download and read the Personal Credit Protect Product Disclosure Statement to make sure the personal loan protection meets your needs.
Call Swann Insurance as soon as possible on 1300 657 382 if you believe you have reason to make a claim.
They will provide you with a claim form for you to complete and return with 14 days, including the information outlined below and any other details they need. If your claim relates to a period exceeding one month, you may need to complete further claim forms and provide further information.
All claim forms are to be mailed to:
Swann Insurance (Aust) Pty Ltd
PO Box 14459
Melbourne VIC 8001
Swann Insurance will get back to you within 10 days to either:
If you have any questions, or would like assistance completing the claim form, please call Swann Insurance on 1300 657 382, Monday to Friday, 9am - 5pm (Sydney time).
Call us on 1300 764 703 Monday to Saturday 8am - 8pm (Sydney time), to apply for personal loan protection
Conditions, limits and exclusions apply to Personal Credit Protect, details of which are explained in the Product Disclosure Statement and policy wording (PDS). The advice on this webpage is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before acting on this advice and making a decision about Personal Credit Protect, you should consider the appropriateness of the advice, and the PDS having regard to your personal circumstances.
In arranging this insurance, St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (St.George) acts under Westpac Banking Corporation’s Australian Financial Services Licence and under an agreement with the insurers, Swann Insurance (Aust) Pty Ltd ABN 80 000 886 680 AFSL 238292 and St.George Life Limited ABN 88 076 763 936 AFSL 240 900.
Swann Insurance and St.George Life each take full responsibility for the whole of this PDS. However, they are not responsible or liable to you for the insurance cover provided by the other. These policies are not deposits with or other liabilities of Westpac Banking Corporation (the Bank). Neither the Bank, St.George nor any member of the Westpac Group, other than St.George Life Limited, guarantees the insurance benefits under these policies.