Comprehensive Car Insurance
Love your car? You’ll love our comprehensive cover
Whether you’ve saved every penny for the car of your dreams or simply want the reassurance that you won’t face big bills in the event of an accident, you’ll love our Comprehensive Car Insurance. Our most popular level of car cover comes with a range of optional extras to make it easier than ever for you to shape your car insurance to your lifestyle – and get back on the road again faster.
It’s called comprehensive for a reason
You’re covered for accidental damage, malicious damage, theft, fire, flood or storm; as well as any damage caused to another person’s vehicle or property.`
$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 your comprehensive policy.
If personal items are damaged in an incident or stolen from your locked car, we will cover the cost to repair or replace them up to $500 (inclusive of GST).
Hire car costs after theft
If your car is stolen, or it is unsafe to drive, ride or tow as a result of theft or attempted theft, we will pay (inclusive of GST) the cost of a hire car. We will pay this cost from the time the theft or attempted theft occurred until your car is recovered and repaired, or until we settle your claim if your car is a total loss, up to a total of 14 days, whichever is the shortest period of time.
Hire car costs after an accident
With this optional extra we will extend your cover to pay the costs of a hire car following an accident for which you are covered under this policy, up to $100 per day (inclusive of GST) until your car is repaired, or, until we settle your claim if your car is a total loss, up to 21 days.
If baby capsules or child seats are damaged while in your vehicle or stolen from your vehicle, we will cover the replacement cost.
Emergency or temporary repairs
If your car needs emergency or temporary repairs so that it can be driven or used, we will cover the cost of repairs, up to $800 (inclusive of GST) per incident.
Trailers attached to your car
If a trailer suffers loss or damage while attached to your vehicle, we will pay the cost to repair or replace it, up to $1,000 (inclusive of GST) whichever is the least amount.
With this optional extra we will cover the cost to repair or replace your windscreen when there is no other damage caused to your vehicle, without impacting your no claim bonus or paying any excess once during your period of insurance.
Re-coding of locks and barrels after theft of keys
If the keys of your car are stolen, we will cover the cost to repair and re-code your locks and barrels, up to $1,000 (inclusive of GST).
Towing and transport of your vehicle
If your car is damaged in an accident and cannot be driven or used, we will tow it from the scene to a place of safety, the nearest repairer, or any other place we agree to.
One at fault claim protection
If you add this optional extra we will protect your No Claim Bonus for one at-fault claim during your period of insurance. To be eligible for this optional extra you must be in the maximum No Claim Bonus.
Others charge you for this stuff. We don’t.
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 under your Comprehensive Car Insurance cover, 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.
What is comprehensive car insurance?
With comprehensive insurance, you’re covered for everything from a car crash to a hail storm (note: some exclusions apply – please refer to the PDS for terms and conditions).
At CGU, your comprehensive car insurance policy covers your car for accidental loss or damage, malicious damage, theft, fire, flood or storm. It also covers your liability for any damage you cause to another person’s vehicle or property.
Then, there are all the added features that come with CGU comprehensive car insurance, like:
- Uninsured motorist damage
- No-claim bonus protection
- Vehicle replacement after a write-off (conditions apply)
- Hire car after theft
- $30m liability cover
- Optional windscreen cover
- Trailer cover
- Emergency or transport repairs
- Towing and transport
- Removal of debris
- Personal items
- Re-coding of locks and barrels after theft of keys
- Baby capsules and car child seats
- Storage costs
To fully understand exactly what you’re covered for, please read the Product Disclosure Statement (PDS).
How much does comprehensive car insurance cost?
The cost of your comprehensive car insurance policy depends on a range of factors, including your age, location, driving history, your vehicle’s make and model, and whether you keep your car in a garage or not.
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.
Is my car covered when someone else drives?
This depends on the type of comprehensive car insurance policy you’ve chosen (there are three to choose from).
With our standard Motor Vehicle Insurance Policy, your car is covered no matter who is behind the wheel, some exclusions apply so please refer to the PDS.
With our two 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 unsure give us a call on 13 24 81.
Understanding your comprehensive car insurance quote
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.
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.
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.
Like your family, we’re here when you need us
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. Or, you can choose your own repairer.
Need to make a 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