Bus and Tram Express
Bus and Tram Express


As a member of the RTBU you are able to immediately access a range of industrial and workplace services and resources for industrial education, services, training and representation.

The RTBU also provides a range of direct non-industrial services, such as legal aid, health insurance, taxation advice, financial funds, dental services, education programs, scholarships, holiday units and packages, superannuation benefits, social clubs, a credit union, housing loans and a range of other social, recreational and welfare facilities for members.

Unions NSW are doing great things also. With over 600,00 union members across the state, they’re working hard to campaign for union rights and ensure workplaces are safe and reliable.

Click on the links below to find out more.


Insurance Services


You don’t live to work – you work to live. Your home, your family and lifestyle are important, and we want to help you protect them. WageCover income protection can help replace lost income through inability to work due to injury or sickness. No matter how committed you are to your health, accidents and illness can happen, and it’s important to be prepared. It’s easy to apply with WageCover – you’ll talk to a real person at each step, and we’ll be able to answer any questions you might have.

Wagecover Benefits

  • 24/7 Worldwide Accident and Sickness Income Protection Cover
  • Salary Benefit – 85% income protection up to a maximum of $2,000 per week based on your average gross weekly income (inclusive of regular allowances and overtime).
  • Benefit Period
      • 104 weeks (Ages 16 years to 59 years inclusive)
      • 52 weeks (Ages 60 years to 70 years inclusive)
  • Age Limit
      • Accident (Over 16 years of age, Under 70 years of age)
      • Sickness (Over 16 years of age, Under 65 years of age)
  • Waiting Period – 14 days / 30 days for all covered Amateur Sports claims
  • Death Benefit $25,000 Lump Sum Payment – Accidental Death Benefit outside working hours
  • Funeral Benefit $5,000 Reimbursement – Accidental Death Benefit (as a result of an Injury)
  • Emergency Transport Benefit $1,000 Reimbursement – For any emergency transport in any one policy period. Subject to any other insurance in place.

Please visit our website for more information www.wagecover.com.au or call our friendly team on (02) 9970 8411 to discuss further and request an application form.

**Policy Exclusions
This policy does not cover all possible risks. The Policy contains exclusions to ensure that premiums remain affordable. This means that we will not pay claims arising from certain causes. A full list of exclusions can be located within the Policy Disclosure document and it is important you read these before taking out cover.

Journey Cover

For many employees, Workers Compensation doesn’t provide cover if something goes wrong on your way to or from work. The RTBU provides a journey policy organised through WageCover that offers comprehensive cover for your loss of income should you have an accident on your commute to and from work.

Should you need to claim under this policy, please contact your union delegate for a claim form or contact the friendly staff at WageCover on (02) 9970 8411 to discuss further.

Union Plus


Legal Assistance

Hall Payne

Members of the Tram and Bus Division are entitled to a free simple will and a free initial consultation for any legal matter including with our WIRO-approved Workers Compensation team.

Please see your local RTBU delegate for a referral.


Financial Services

Australian Mutual Bank


Australian Mutual Bank (formerly Endeavour Mutual Bank) has proudly supported the Rail & Transport industry and their families for over 60 years.

Their purpose is to provide Australians who want ethical financial services with a bank that aligns with their values.

They provide banking services for humans and social needs as opposed to corporate speculative gain.

  • Home loans
  • Car loans
  • Personal loans
  • Green loans
  • Credit cards
  • Visa debit cards
  • Budgeting tools
  • Savings accounts
  • Term deposits

100% Customer owned – On becoming a member of Australian Mutual Bank, you’re not just a customer, you’re an owner!

We encourage RTBU members to contact them for any banking needs: bd@australianmutual.bank



Good financial advice isn’t just limited to super and insurance…. It’s about making better money choices. The team at Macaplan are able to help you map out a personalised and measurable financial plan that will give you a clear idea of where you are now, and what you need to do to meet your goals and income needs in retirement.

Not near retirement? That doesn’t matter, Macaplan also provide cashflow and budgeting advice to make sure you are making better money choices and getting ahead! We will show you basic tricks to help pay off debts quicker and take back control of your household income and expenses.

Best of all, the first meeting (up to 1 hour) is free for members of RTBU! www.macaplan.com.au

If you are interested in discussing, please call Miguel and the team on (02) 9052-5824 or email mrodrigues@macaplan.com.au

Mortality Benefit

Current financial members are entitled to a mortality benefit of $3,000. For more information contact the union office on 02 9319 7277.


RTBU Holiday Parks

Jervis Bay, NSW

Located on the waterfront at Jervis Bay, the RTBU Holiday Park offers members a family friendly holiday with modern, fully furnished units near pristine beaches.

Click here to find out more.

For bookings, contact the RTBU Branch Office on 02 9264 2511.

Rosebud, Victoria

The Tramway Holiday Units are an escape for Victorian RTBU members, and you can enjoy them too. Situated on the Mornington Peninsula, an hour south of Melbourne, these apartments have all you’ll need for an affordable family get away just an 100 metres from the beach.

All bookings should be made to site manager Denis, on 03 5982 2766

Caloundra, Queensland

In the heart of Caloundra, and just an hour north of Brisbane are the RTBU Holiday Apartments. The two and three bedroom apartments with modern kitchens, air conditioning, and swimming pool have stunning views of the ocean.

For bookings, contact The Professionals Caloundra on 07 5491 1400.


Accommodation Discounts

Aquatic Caravan Park, Port Macquarie

Screenshot 2016-02-18 10.55.16

Set on the beautiful Hastings River at Port Macquarie, the Aquatic Caravan Park is the perfect family get away.

Click here to book, or call the park on 02 6584 9155. To request more information email vanpark@aquaticinport.com.au


TFE Group Hotels DiscountLogo_tfe

Just by booking through the TFE Hotels website directly and paying with your credit card, members can now enjoy discounts at all Adina, Vibe, and Travelodge hotels worldwide.

Click the link here, or use the discount code TH6234129 when making your reservation to get the special rate.

All bookings should be made through TFE Hotels directly, with all travel questions or issues directed to the hotel.


^10% promotional saving applied to all new Home/Contents policies, an additional 10% saving for online applications, both first year only. Additional 10% for a combined Home/Contents policy. Minimum premiums may reduce savings discount.

*10% promotional saving applied to all new car policies, an additional 5% saving for online applications, both first year only. Up to 5% off to exclude drivers under 25. Minimum premiums may reduce savings discount.

Real Insurance is a trading name of the product issuer, The Hollard Insurance Company Pty Ltd (Hollard) ABN 78 090 584 473, AFSL No. 241436. Any advice provided is general only and may not be right for you. To decide if the insurance is right for you please carefully read the relevant Product Disclosure Statement available at realinsurance.com.au or by calling 1300 884 768.