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CGU Car Insurance

CGU Car Insurance – Complete policy review and comparison.

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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.

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Car Insurance options from CGU

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:

  • Accidental and
  • Malicious damage
  • Fire
  • Theft
  • Flood
  • Storm
  • $30 million liability
  • No Claim Bonus
  • New vehicle replacement after a total loss for up to three years
  • Hire vehicle costs.

Third Party Fire and Theft Insurance

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:

  • Fire and theft to your vehicle
  • Damage you cause to someone else’s car
  • Nominated driver discount
  • Uninsured motorist damage
  • Towing and transport of your vehicle
  • $30 million of liability cover.

Third Party Property Damage Insurance

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:

  • Liability damage to someone else’s vehicle or property
  • Uninsured motorist damage
  • $30 million of liability cover are the key policy features.
BenefitComprehensiveThird Party Fire & TheftThird Party Property Damage
$30m Liability Cover
  • Yes
  • Yes
  • Yes
Baby capsules and child seats
  • Yes
  • No
  • No
Earned No Claim Bonus Protection
  • Yes
  • No
  • No
Emergency or temporary repairs
  • Yes
  • Yes
  • No
Hire vehicle costs after theft or attempted theft
  • Yes
  • Yes
  • No
Personal Items
  • Yes
  • No
  • No
Re-coding of locks and barrels after theft of keys
  • Yes
  • Yes
  • No
Removal of debris
  • Yes
  • Yes
  • No
Replacing your vehicle after a total loss
  • Yes
  • No
  • No
Storage Costs
  • Yes
  • Yes
  • No
Towing and transport of your vehicle
  • Yes
  • Yes
  • No
Trailer attached to your vehicle
  • Yes
  • No
  • No
Uninsured Motorist Damage
  • Full cover
  • Yes
  • Yes
Windscreen Extension Option
  • Optional
  • No
  • No

CGU General Exclusions You Need to Know About

There are certain circumstances under which CGU will not pay your car insurance claim, such as if:

  • It is for reduction in value of your vehicle due to its age and condition
  • It is for the cost of any parts for your vehicle that happen to wear out
  • It is for repairing or replacing parts that have failed or broken down
  • It is for loss or damage caused by rust or corrosion
  • It is for failure of the body or frame of your vehicle, or mechanical or electrical breakdown - unless caused by fire
  • It is for tyre damage caused by applying the brakes, punctures, cuts or bursting
  • It is for penalties or fines which you incur
  • It is for any disease that is transmitted by you, a family member, a nominated driver or a passenger
  • It is for liability resulting from any contract or agreement you entered into
  • It is for damage to property that belongs to you, a family member who lives with you or an authorised driver
  • It is for loss, damage or liability that occurs outside Australia
  • It is for loss, damage or liability caused by you, your family member or a nominated driver of the vehicle
  • It results from you (or an authorised driver) being under the influence of alcohol or drugs
  • You did not remain at the scene of an incident for the time you were required to by law
  • Your vehicle was being used for an unlawful purpose, for hire, for motor sport or for any purpose other than that for which it was made
  • Your vehicle was unsafe to drive and you knew (or should have known) of this fact
  • It is a result of war or rebellion.

Well done, CGU

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 winners

How much is this going to cost me?

How much your CGU Car Insurance policy will cost is influenced by a wide range of factors, including:

  • The type of policy you choose
  • Your level of cover
  • Whether you opt to insure your vehicle for its market value or at an agreed value
  • The excess you choose
  • Any special conditions that apply to your cover
  • The value of your vehicle
  • The age, make and model of your car
  • If there are any modifications or accessories fitted to your car
  • The age, driving experience and claims history of the people who drive the vehicle.

You can pay your premium in a lump sum or via instalments.

How does car insurance excess work?

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:

  • What is a basic excess? This varies depending on your vehicle’s make and model and the state or territory in which it will be used.
  • Is there an age excess? You’ll need to pay this excess when the driver of your vehicle is less than 25 years of age.
  • Is there an inexperienced driver on your policy? If the driver of the vehicle is 25 years or older but has not held a driver’s licence for two continuous years before making a claim, you’ll need to pay this excess.
  • Do you need to pay an additional excess? If CGU has agreed to cover your car, or a driver of your car, under special terms, this excess will apply to your policy.

How to save on my car insurance policy?

  • Can you choose a lower level of cover? You’ll obviously have to pay less if you don’t want comprehensive protection.
  • Have you chosen the right type of policy? CGU Nominated Driver Motor Vehicle Insurance Policy provides cover if your vehicle is only driven by no more than two nominated drivers over the age of 25. A Nominated Driver Low Kilometre Motor Vehicle Insurance Policy can be taken out for cars that will be driven less than 10,000km during the period of insurance and can help you save money.
  • Can you drive a different car? An economical and safe small car is going to be cheaper to insure than a high-powered, expensive sports car.
  • Is your No-claim bonus in tact? For each year that you do not make an at-fault claim while you are insured with CGU, you will receive a no-claim bonus.
  • Do you need those extras? Why pay for extra cover you’re highly unlikely to ever have to use?

How do I make a claim with CGU?

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:

  1. Contact details of anyone involved in the incident, including their name, address, vehicle rego and insurance details
  2. Any letters, notices or court documents about the incident
  3. If you’re the victim of theft, vandalism or malicious act, report it to the police and obtain an incident report number.

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.

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FAQs about CGU

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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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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.

    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

      ZubairApril 18, 2017Finder

      Hi Teena,

      Thank you for your inquiry.

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

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


    Default Gravatar
    PeterMarch 31, 2016

    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)

      RichardApril 4, 2016Finder

      Hi Peter,

      Thanks for your question. 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,

    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.


      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,

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