CGU
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CGU car insurance review

CGU offers good cover at a reasonable price point. However, cover is not available for SA, WA and NT drivers.

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Our verdict

Pros

  • Up to $800 for emergency repairs, most other car insurers include cover for just $500
  • Up to $1,000 for key replacement. Other insurers only include up to $500
  • Up to $30,000,000 liability cover, whereas most brands offer $20m

Cons

  • Young drivers can expect higher-than-average premiums
  • No cover is available for drivers in SA, WA or the NT
  • Cover was also particularly expensive for drivers in VIC

How does CGU compare with other car insurers?

CGU offers good comprehensive car insurance cover at a reasonable price point. However, young drivers can likely find cheaper car insurance options elsewhere.

Features

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
CGU Comprehensive
  • If your car is less than 3 years old and is under 50,000 km
  • Finder's summary: CGU comprehensive policyholders can get up to $30 million liability cover, up to $800 for emergency repairs, up to $1,000 for damaged or stolen personal items, and more.

    Who it might be good for: People who have remained claim-free for a few years may benefit from its No Claim Bonus discount.
    Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
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    Price

    According to our 2024 Finder car insurance awards research, CGU offers affordable policies that are usually cheaper than average. However, this isn't the case with young drivers, who face particularly high premiums with CGU. It's worth comparing multiple car insurers to find the best fit for your needs.

    Keep in mind, the best car insurance for you may depend on more than price.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    CGU logo$1,977$1,375n/a$1,342$2,560n/a$1,209More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info

    About our car insurance methodology

    Compare CGU 's policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    CGU Comprehensive
  • If your car is less than 3 years old and is under 50,000 km
  • Up to $100 per day - Up to 21 days
  • Finder's summary: CGU comprehensive policyholders can get up to $30 million liability cover, up to $800 for emergency repairs, up to $1,000 for damaged or stolen personal items, and more.

    Who it might be good for: People who have remained claim-free for a few years may benefit from its No Claim Bonus discount.
    CGU Third Party Fire and Theft
  • Up to $100 per day - Up to 21 days
  • CGU Third Party Property
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    Congratulations, CGU!

    CGU received the highly commended award for 'Car Insurance - NSW' in the 2023 Customer Satisfaction Awards.

    Full list of 2023 winners

    What additional cover options are available?

    CGU offers three optional add-ons to strengthen your car insurance policy -

    • Hire car after an accident - Up to $100 per day - Up to 21 days for a hire car if your vehicle can't be driven after an accident or covered incident.
    • No excess for glass-only repair - Get one excess-free windscreen or window repair or replacement if there's no other damage to your car.
    • No claim bonus protection - Make one at-fault claim without affecting your No Claim Bonus.

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    FAQs

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    8 Responses

      Default Gravatar
      MOctober 15, 2017

      How many times can an under 25 drive my car, does it cost more money to put their name on the policy.
      I am a senior pensioner and would like my grandson to be able to drive my car in emergencies.

        Default Gravatar
        JoelOctober 16, 2017

        Hi Mr. Rogers,
        Thanks for leaving a question on finder. Under all of CGU motor policies, under 25s are able to drive in the event of a medical emergency. If an under 25 is going to be driving in other circumstances then this will cost more than a Named Driver policy.
        Joel

      Default Gravatar
      TeenaApril 16, 2017

      could you please send me an address to send claim forms from another insurance company these forms are for a claim

        AvatarFinder
        ZubairApril 18, 2017Finder

        Hi Teena,

        Thank you for your inquiry.

        You have contacted finder.com.au a comparison and information service and not actually CGU Car Insurance.

        You will need to contact CGU Car Insurance directly about this matter.

        Cheers,
        Zubair

      Default Gravatar
      PeterMarch 31, 2016

      Hi
      I am about to purchase a new car the first I have own for a few years as I have had company only cars for the last 10 years.
      for a period i kept my old car and finally got id og it in 2010 or 11 I cannot remember.
      I held insurance with CGU for 10+ years through the VRI so the issue I have as a former customer with no claims I assume that when my policy finished I was a rating one. I know need to get insurance and need a Certificate if currency to state I was a rating one driver. I have not decided on who I will insure with, most likely CGU but I really like to know if 1 do I keep and rating I had the last time I insured with CGU, secondly can I obtained this certificate (and how do I do this)

        AvatarFinder
        RichardApril 4, 2016Finder

        Hi Peter,

        Thanks for your question. finder.com.au is a comparison service and not an insurer and CGU is not in the panel of car insurance brands we have access to. If you would like to speak with CGU, you can do so by calling 13 24 81.

        All the best,
        Richard

      Default Gravatar
      JeanJune 12, 2015

      Your FAQs states that learner drivers are covered, but my policy states that we will not be able to claim if the driver is under 25. Will my kids be able to drive under this policy or not? They will turn 16 during the next year and will be on their L plates.

      Jean

        AvatarFinder
        RichardJune 12, 2015Finder

        Hi Jean,

        Thanks for your question.

        According to the CGU Car Insurance website (FAQs section near the bottom of the page):
        “Learner drivers are covered under all CGU Motor Vehicle policies. If you have chosen one of our Nominated Driver policies, the learner driver must be accompanied by a fully licensed driver aged 25 years or more.”

        While we do not have any affiliation with CGU Insurance, it would be best to contact them directly. Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy.

        I hope this was helpful,
        Richard

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