Car Insurance

Car Insurance

Whether you're a beginner or an experienced driver, knowing that you're covered during your journey is peace of mind.

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Essential coverage

Comprehensive Basics

Comprehensive Basics Car Insurance protects your car from damage caused by collisions, fire, theft, and adverse weather conditions. Additionally, it covers any damage your car may cause to other people’s vehicles and property. As an entry-level option, this policy does not include optional extras.

Features

Covers anyone you let drive your car
Theft, storm damage, fire and flood
Damage from an accident
Damage if you cause an accident
Cover for baby capsules and baby seats if they’re stolen or damaged in an accident
Taxi fare after an accident

A range of insured events

Comprehensive

Comprehensive Car Insurance policy provides a range of insured events, including damage from fire, theft, weather and collisions. It also covers any damage your car may cause to other people’s vehicles and property.

Features

If your new car is written off in its first two years, CGU tries to replace it with a similar new car
Covers anyone you let drive your car
Theft, storm damage, fire and flood
Damage from an accident
Damage if you cause an accident
Cover for baby capsules and baby seats if they’re stolen or damaged in an accident

Top-tier cover

Comprehensive Plus

Comprehensive Plus is the top-tier insurance policy CGU offers. Providing coverage for a range of events, including damage from fire, theft, weather and collisions. It also covers any damage your car may cause to other people’s vehicles and property.

Features

If your new car is written off in its first three years, CGU tries to replace it with a similar new car
Covers anyone you let drive your car
Theft, storm damage, fire and flood
Damage from an accident
Damage if you cause an accident
Cover for baby capsules and baby seats if they’re stolen or damaged in an accident
$0 excess for glass damage
Hire car after any incident CGU cover

Covers the cost of damage to others’ vehicles

Third Party Property Damage

Third Party Property Damage Insurance covers the cost of damage you cause to other people's vehicles or property in an accident.

Additionally, if an uninsured driver damages your car, you're covered up to $5,000.

Features

Covers damage to your car if an uninsured driver causes an accident (up to $5,000)
Covers damage to other cars if you cause an accident
Covers towing to a safe place if an uninsured driver causes an accident
Cover for damage you cause to other people's cars or property in an accident (up to $20 Million)

Added protection for fire and theft

Third Party Fire and Theft

Third Party Fire and Theft Insurance helps cover costs if your car is stolen, catches fire, or is damaged by an uninsured driver. It also provides coverage for damage you cause to other people's vehicles and property in an accident.

Features

Covers for damage to your car caused by fire (up to $10,000)
Covers damage to your car if an uninsured driver causes an accident (up to $5,000)
Cover your car if it’s stolen or damaged by someone trying to steal it (Up to $10,000)
Covers damage to other cars if you cause an accident
Covers towing to a safe place if an uninsured driver causes an accident
Cover for damage you cause to other people's cars or property in an accident (up to $20 Million)

Frequently asked questions

You can check the PDS for all the details of what is and isn’t covered to make sure you’re choosing the right cover for your circumstances.

Car insurance premiums vary because we all have different circumstances and needs. For all the factors CGU consider, take a look at the Premium, Excess and Discounts Guide.
A car insurance claim is a request that you lodge to your car insurance provider when you have suffered damage or loss.
An excess is the amount you may contribute towards the cost of your claim. Your current Certificate of Insurance shows the amount and types of excesses that apply to your policy.
Yes – as long as they meet CGU's standard acceptance criteria. CGU generally covers standard-spec EV, hybrid and PHEV vehicles. You can check the PDS for all the details of what is and isn’t covered to make sure you’re choosing the right cover for your circumstances.

Contacting CGU Claims

If you need to make a claim under your insurance, simply call CGU Claim on 13 24 80 to make a paperless claim. They're available 24 hours a day, 7 days a week.

Call 13 24 80

partial view of woman typing on laptop at tabletop with smartphone and notebook

Managing your account online

For policies purchased on and after 27 May 2025 and policies renewed on and after 9 August 2025, you can make certain updates online, such as adjusting your excess amounts or optional benefits.

Simply log in to your account to see the available options. For assistance, call CGU at 13 24 81.

Comprehensive Basics Disclaimer
Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from Disclosure Documents.

Comprehensive Disclaimer
To get a new replacement car with Comprehensive or Comprehensive Plus following an incident CGU insures, your car must weigh under 3.5 tonnes, and it must have been a new or demonstrator vehicle when you bought it, and less than 24 months old for Comprehensive, and less than 36 months for Comprehensive Plus. New vehicle replacement is not included with Comprehensive Basics. New vehicle must be reasonably available in Australia.
Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from Disclosure Documents.

Comprehensive Plus Disclaimer
To get a new replacement car with Comprehensive or Comprehensive Plus following an incident CGU insures, your car must weigh under 3.5 tonnes, and it must have been a new or demonstrator vehicle when you bought it, and less than 24 months old for Comprehensive, and less than 36 months for Comprehensive Plus. New vehicle replacement is not included with Comprehensive Basics. New vehicle must be reasonably available in Australia.
Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from Disclosure Documents.

Third Party Property Damage Disclaimer
Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from Disclosure Documents.

Third Party, Fire and Theft Disclaimer
Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from from Disclosure Documents.

Important information

Partner ABN 44 087 651 769 , AFSL/Australian Credit Licence Number 240 960 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand. Any advice provided is general advice only and does not take into account your individual objectives, financial situation or needs (your personal circumstances). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant the Product Disclosure Statement and Target Market Determinations from Disclosure Documents.

To obtain a Product Disclosure Statement, Target Market Determination or Key Fact Sheet for an insurance policy that was issued before 27 May 2025, please contact CGU directly on 1300 943 690.

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Essential coverage