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Whether you need make a claim or to ask a question we're only a phone call away.

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Call13 24 80

24 hours, 7 days a week

For general enquiries

Call13 24 81

Personal Insurance
8:30am to 5:00pm AEDST, Monday to Friday

Business Insurance
8:00am to 8:00pm AEDST, Monday to Friday

While overseas

Call +61 3 9601 8222

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Find car insurance that is right for you

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.

Comprehensive car cover

Want the greatest protection? This is our most popular type of cover, giving you the greatest peace of mind.

$30 million liability cover

Looking for total peace of mind? Find it with our extensive liability cover.

Get a shiny new car

If your new(-ish) car’s a write-off, we may replace it with a brand new one under our comprehensive policy.

We’ve got you covered

We’re one of Australia’s most trusted insurers. Your car’s in good hands with CGU.

Money back guarantee

Change your mind? No problem. CGU offers a 21 day cooling off period.

Got 3 minutes?

Get a Quote in 3 minutes

We help you see it through

  • Outstanding service

    It’s no accident that CGU has such a strong following being a 2015 winner of the Insurance Industry Award for outstanding service to customers.
  • Experience counts

    With 160 years of insurance experience behind us, you can trust CGU to help you out when you need it most.
  • Simple claims process

    It’s easy to make a claim with CGU. Get started any time of the day or night. The rest of the process is quick, simple and hassle-free, too.

Compare Car Insurance Cover

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.

It’s the little things that count at CGU

  • We offer pay by the month at no extra cost

    Prefer paying your car insurance in monthly installments? Set up direct debit with us and pay for your car insurance by the month with no additional cost.
  • One at-fault claim up your sleeve

    If you’re a Rating 1 driver with our comprehensive car insurance we won’t touch your No Claim Bonus when you make your first at-fault claim.
  • Read our blog article

    Demystifying Car Insurance

Comprehensive Car Insurance FAQs

  • Is my car covered when someone else drives?

    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.

  • How much is car insurance?

    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.

  • How to make an insurance claim?

    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:

    • Your policy number or personal contact details
    • Contact details of anyone else involved in the incident (get their name, address, vehicle rego, phone number and insurance details if possible)
    • Any letters or court documents about the incident, including an incident report number from the police


    During the claims process, you can choose how and when we contact you. In most cases, you’ll deal with a dedicated claims specialist.

  • What type of car insurance do I need?

    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.

    If you’re not sure which cover you need, you could speak to an insurance adviser. Find an adviser now.

  • Is a learner driver covered on my car insurance?

    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.

Understanding your comprehensive car insurance quote

Your age

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.

Your vehicle

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.

Your location

Some suburbs have higher rates of accident or theft than others, which is why we’ll ask you where you usually park your car.

Garage or street?

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.

Your driving history

Got a clean slate? We’ll lower your premium if you haven’t made any claims in the past.

Need help choosing the right insurance?

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.

Just like family, we’re here when you need us

  • Lodge claims 24/7

    Accidents happen day and night. Simply call 13 24 80 at any time to kick off your claim.

  • Our claim specialists are here to help

    When possible, you’ll deal with one person from CGU. They’re here to answer your questions and support you throughout the claim.

  • Nationwide repair network

    CGU has a national network of over 450 partner repairers, who meet our standards of safety and service are here to get you back on the road as quickly as possible.

Claims Support App

Use this app to record all the crucial details after an accident. You can share them with us immediately, or keep as a record for down the track.

Download on the App Store

Need to make an insurance claim?

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

Get a Car Insurance Quote Today

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