CGU has been offering an extensive range of competitive insurance solutions to Australian families and businesses for more than 160 years. Specialising in personal, commercial and rural insurance, CGU’s products are distributed through a network of more than 1,000 agents and brokers around Australia.
CGU manages roughly 350,000 claims a year and takes care of insurance protection for more than one million motor vehicles. Motor vehicle insurance is essential in Australia - in fact CTP cover is mandatory in all states and territories - to provide financial protection when your vehicle is stolen, damaged or involved in an accident.
Taking out the right car insurance policy for your needs will allow you to drive with confidence and guarantees you won’t take a financial hit if something goes wrong. CGU offers three levels of car insurance cover to Australian customers: Comprehensive Insurance, Third Party Fire and Theft Insurance, and Third Party Property Damage Insurance.
This is the highest level of cover available from CGU. It provides broad protection against loss and damage to your vehicle, as well as any damage you may cause to someone else’s vehicle.
Providing a broad level of coverage, Comprehensive CGU Car Insurance covers your vehicle for:
This policy is designed for customers who own a vehicle that is slightly lower in value. It provides financial protection against fire and theft, as well as any damage you cause to other vehicles.
This is CGU car insurance policy for customers who want more than the basic level of protection but who don’t feel they need the broad coverage offered under a Comprehensive policy. Third Party Fire and Theft Insurance offers cover for:
The most basic level of cover available from CGU, this policy offers protection when you cause damage to another person’s vehicle.
This CGU Car Insurance is the most basic policy and it is designed to be as affordable and flexible as possible. CGU Third Party Property Damage Insurance covers you for:
| Benefit | Comprehensive | Third Party Fire & Theft | Third Party Property Damage |
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| $30m Liability Cover |
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| Baby capsules and child seats |
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| Earned No Claim Bonus Protection |
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| Emergency or temporary repairs |
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| Hire vehicle costs after theft or attempted theft |
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| Personal Items |
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| Re-coding of locks and barrels after theft of keys |
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| Removal of debris |
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| Replacing your vehicle after a total loss |
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| Storage Costs |
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| Towing and transport of your vehicle |
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| Trailer attached to your vehicle |
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| Uninsured Motorist Damage |
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| Windscreen Extension Option |
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There are certain circumstances under which CGU will not pay your car insurance claim, such as if:
CGU car insurance came in second place in NSW for Customer Satisfaction in 2023. It scored 4.4/5 overall, 4.3/5 for value for money and 4.2/5 for customer service. 94% of Australians surveyed said they would recommend CGU to a friend.
Full list of 2023 winnersHow much your CGU Car Insurance policy will cost is influenced by a wide range of factors, including:
You can pay your premium in a lump sum or via instalments.
When you make a claim under your policy, CGU will let you know whether or not you need to pay an excess. There are four types of excesses that may apply depending on the cover you choose:
If you need to make a claim with CGU, make sure that you have all the information the insurer will need to be able to process your claim. This could include:
The next step is to contact CGU or your insurance adviser to make a claim. It’s important to do this as soon as possible - any delay may see your claim reduced or even refused. CGU is available to offer claims advice and assistance 24 hours a day, seven days a week.
CGU Car Insurance products offers a wealth of options worth considering for a variety of car owners. Cover is both flexible and affordable, but it should be compared against other policies on the market before you select one policy for your vehicle.
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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.
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
could you please send me an address to send claim forms from another insurance company these forms are for a claim
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
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)
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
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
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