If you’re on the hunt for car insurance, you can’t go past CGU. We offer three levels of car insurance – each one customisable to match the way you drive your car. Once you’ve worked out what you need (remember, we’re always here to help), rest easy knowing that your car has the protection it deserves.
Want the greatest protection? This is our most popular type of cover, giving you the greatest peace of mind.
Looking for total peace of mind? Find it with our extensive liability cover.
If your new(-ish) car’s a write-off, we may replace it with a brand new one under our comprehensive policy.
We’re one of Australia’s most trusted insurers. Your car’s in good hands with CGU.
Change your mind? No problem. CGU offers a 21 day cooling off period.
Whether you want the best protection or something simple, you’ll find what you need at CGU. We’ve got three different car policies, each with different levels of cover.
Compare my options
This depends on the policy you’ve chosen.
With our standard Motor Vehicle Insurance Policy, your car is covered no matter who’s behind the wheel (note: some exclusions apply).
With our Nominated Driver policies, drivers under 25 years of age aren’t covered (except for learner drivers accompanied by a fully licensed driver aged 25 years or more). Anyone that’s not listed on your policy will incur a higher excess in the event of a claim, too.
It’s a good idea to read the Product Disclosure Statement (PDS) before letting someone else drive your car or if you’re not sure give us a call on 13 24 81.
The cost of car insurance depends on a range of factors, from the type of car you drive to whether you’ve had an accident in the past.
There are ways you can lower the cost of your insurance. For example, you can nominate two drivers to be covered on your policy, or you can choose a policy that restricts how far you drive each year.
The best way to answer this question is to complete a quick quote. You’ll have an answer in 3 minutes.
At CGU, we want to make it as simple as possible for you to make a claim. Call us 24/7 on 13 24 80 with the following details:
During the claims process, you can choose how and when we contact you. In most cases, you’ll deal with a dedicated claims specialist.
This depends on a few things. If you want absolute peace of mind that you’re covered for all costs if you have an accident, then you can’t go past Comprehensive Car Insurance with all of its optional extras. Comprehensive Car Insurance is our most popular cover.
If your car isn’t worth much, then you may want a more cost-effective policy. Our two Third Party policies include $30m liability cover and uninsured motorist damage – giving you peace of mind that you won’t face big bills after an accident.
Yes, they are!
So even when the L plates are on, your car insurance counts.
If you’ve chosen one of our Nominated Driver policies, the learner driver must be accompanied by a fully licensed driver aged 25 years or more.
Please refer to the Product Disclosure Statement (PDS) for full terms and conditions.
Let’s face it. Younger drivers have less experience and can be more likely to have accidents. So if you’re under 25 years of age, you’ll pay a little more.
It costs a lot more to repair luxury cars. In calculating your premium, we look at the make and model of your car, and how much it would cost to repair or replace it.
Some suburbs have higher rates of accident or theft than others, which is why we’ll ask you where you usually park your car.
If you keep your car in a garage overnight, it’s much less likely to be damaged or stolen than one parked on a street.
Got a clean slate? We’ll lower your premium if you haven’t made any claims in the past.
We’re here to help you work out which car insurance policy is right for you. Our friendly CGU insurance specialists can answer all your questions, or you can turn to an insurance adviser for help in assessing your risk and working out the right cover for your needs.
Step 1. Call 13 24 80 with your policy number and any other information about the incident handy.
Step 2. We’ll kick off the claims process, and keep you informed every step of the way.Visit the Claims hub