Rates and fees verified as correct at 03 December, 2021. Other information correct at the time of writing. Advertiser disclosure.
|Product||Monthly premiums available||Maximum no claim discount||Online discount||Choice of repairer|
|Comprehensive Insurance|| |
up to 60%
It’s important to know what you’re covered for, so that if something happens you’ll be able to act quickly. Remember, many features will have dollar or time limits attached to them, so be sure to read your product disclosure statement (PDS) to see what these might be.
Here are some of the things covered by CGU comprehensive car insurance:
A new car if yours is written off (as long as it is less than 3 years old and has driven under 50,00km)
Up to $1,000 cover for personal items in your car
Cover for when your car is damaged or stolen (including fire, storm and flood damage, vandalism and accidental damages incurred while driving)
Damage to your windscreen (you can also include excess-free cover for this as an option extra)
Cost of towing when you’re further than 100km from home (up to $500)
Travel expenses and a night of accommodation in an emergency
Emergency repairs without assessment if CGU agrees in the circumstances (up to $800)
The cost of a rental car when yours is stolen (up to $100 per-day for 21 days)
Cover for trailers if they’re damaged or stolen while attached to the car (the lesser of $1,000 or its market value)
Cost of replacement keys up to $1,000
Cost of baby seats
$30 million liability cover if you damage other people’s vehicles or property while driving
Vehicle modifications are also covered, you’ll just have to let CGU know when you take out a policy as this may affect your premium.
While CGU incorporates a lot of incidents and features into its policy, even comprehensive car insurance can’t cover everything. Your car insurance policy is designed to help you cover the costs of fixing your car and others’ when there’s an emergency – whether it’s an accident or if you’re the victim of a crime – but it generally doesn’t cover things like ageing or usual wear and tear.
Other things not included in your CGU car insurance policy include:
The cost of a rental car after you have an accident (this can be included as an optional extra for an additional cost)
Rental car liability
Cover for caravans (CGU offers separate caravan car insurance)
The repair or replacement of pieces of your car (or the whole car) that break down, stop working or are corroded by rust
Damage to the tyres on your vehicle caused by braking, punctures, cuts or bursting
There are numerous personal and demographic factors which play a part in determining your car insurance premium.
In a nutshell, it’s based on the cost to CGU of providing insurance (essentially the costs of running a business) as well as your risk as a driver and thus the likelihood of you making a claim. The more likely it is that you will make a claim, the more expensive your premium will be.
This depends on a bunch of risk factors, like your age, gender, where you live, driving history, the make and model of your vehicle, and whether you keep your car in a garage or not. Remember that your CGU insurance premium might be different each time you renew, as your risk factors can change.
The good news is, there are a couple of discounts on offer from CGU that will help keep your car insurance costs down. This includes a no claim bonus, and get this – your first at-fault claim won’t impact this discount, nor will not-at-fault claims.
You can also reduce your premium if you choose CGU’s low kilometre policy and drive less than 10,000km a year. Just remember you may be charged for driving over this distance in the policy period.
You can lodge a claim with CGU anytime, anywhere, by calling the 24/7 phone line. When you do, you’ll need to have some information on hand to make the claims process smooth, including:
Your policy number, personal contact details and car registration info
The contact details of anyone involved in the incident, including name, address, registration details, phone number and insurance details (if you’ve got them)
Details about the incident, such as road conditions, the location, date and sequence of events
Any official documents about the incident (like court documents or police reports
Car insurance excess is an expense you should always consider when taking out an insurance policy. It’s the amount you’ll have to pay out before your insurance kicks in when you make a claim, and it can affect how high your premium is.
You can choose a low excess on your CGU car insurance, but this will mean you pay a higher premium. If you’d like to lower your premium, you might opt for a higher excess.
Choosing one or other other depends on your budget – perhaps you’d like to pay less throughout the year – and any emergency savings you have to draw on for when you may need to pay excess.
When you’re trying to fit the cost of car insurance into your budget, it’s nice to have a little flexibility.
With CGU, you can choose to pay your insurance in monthly, fortnightly or annual instalments. Method of payments include direct transfer from your bank account, via credit or debit card, or in cash (only if you pay annually). The best news is all these flexible options come at no extra cost to you.
You can give CGU a call 24/7 on 13 24 80 to make a car insurance claim.
CGU is underwritten by Insurance Australia Group (IAG).
Mozo users have rated CGU car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
CGU promptly responded to my request for a refund following a misunderstanding regarding invoicing. Issue was quickly resolved.Read full review
CGU promptly responded to my request for a refund following a misunderstanding regarding invoicing. Issue was quickly resolved.
Unfortunately when I tried to ask for a review of the yearly premium to be inline with the current offers marketed by the competitors CGU would/could not provide a discount on premiums. Disappointed.Read full review
Unfortunately when I tried to ask for a review of the yearly premium to be inline with the current offers marketed by the competitors CGU would/could not provide a discount on premiums. Disappointed.
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