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Consumer Credit Insurance

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Protect your ability to repay your loan

Credit Protection Insurance, issued by St Andrew's, is designed to help cover your loan repayment obligations if an unforeseen insured event occurs.

Depending on the cover options selected, it may provide cover for loss of life, accident, sickness and involuntary unemployment.

Credit Protection Insurance is available for mortgages (Mortgage Protection), and personal loans (Loan Protection).

Key features include:

  • Choose from six possible cover combinations:
    • Life
    • Life with Accident & Sickness
    • Life with Involuntary Unemployment
    • Accident & Sickness
    • Accident & Sickness and Involuntary Unemployment
    • Life, Accident & Sickness and Involuntary Unemployment
  • A choice of repayment options
  • Single or joint cover available
  • Benefits are paid irrespective of other employee entitlements or other insurance company payouts such as income protection.

Eligibility criteria, qualifying periods, exclusions and limitations apply on all credit protection and cover levels. Please refer to the Product Disclosure Statements to learn more about the products.

Want to talk to a real person about Credit Protection?

Our Member Service Centre team can provide you with more information. You can call 1300 622 278, Monday to Friday 8am – 5:30pm and speak to our friendly team.
Our Camden, Narellan, Picton or Tahmoor branch teams are also happy to answer your queries. Find out where are local branches are located.


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 Macarthur Credit Union Ltd ABN 83 087 650 244 AFSL 239933 (The Mac), of PO Box 121 Camden NSW 2570, telephone 1300 622 278, 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. The Mac is unable to provide personal advice about these products. If you purchase a policy The Mac receives a commission of 20% of your premium (excluding any government charges or taxes).


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