Since the merger of Heritage Bank and People’s Choice, we’ve been in the process of bringing together our products, services and technology under our new brand - People First Bank. Our insurance is now provided through People First Bank, and new policies through People's Choice are no longer available.

The information below is provided for customers who opened or renewed a policy before 16 June 2025. These existing policies remain active and will automatically transition to People First Bank as part of the renewal process.

Policy documents

Below are the Product Disclosure Statements (PDSs) and other key documents.

Need to make an insurance claim?

Call CGU's claims team 24 hours a day, 7 days a week on 13 24 80.

Make a general insurance claim
Call 13 24 80

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    Important to know

    • Policy terms, conditions, limits and exclusions apply.
    • Subject to the product issuer’s underwriting rules and acceptance guidelines.
    • Insurance products are issued by Insurance Australia Limited trading as CGU Insurance. All our insurance issuers pay commission at rates which range from 0% - 25% of the base premium. The commission rate varies depending on the type of insurance.
    • People’s Choice Credit Union, a trading name of Heritage and People's Choice Ltd ABN 11 087 651 125 AFSL 244310 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited trading as CGU Insurance ABN 11 000 016 722, AFSL 227681. Any advice provided is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations.
    • Any advice provided is general advice only and does not take into consideration your personal objectives, financial situation or needs ("your personal circumstances"). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement (PDS), other Disclosure Documents, and Target Market Determination (TMD). Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.