CGU car insurance

CGU's overall rating for car insurance

(as rated by the Mozo community)

7.9 / 10

based on 783 reviews

For more than 165 years, CGU has been helping Aussie families and businesses secure peace of mind with insurance coverage. The company is active in local communities, supporting charitable organisations through workplace giving, fundraising and volunteering. 

Every year, CGU insures over a million vehicles and provides customers with 24/7 claims support. And it must be paying off, because CGU is a 2020 Mozo People's Choice Award winner.

So check out some of the need to know details about CGU car insurance policies below.

CGU offers the following car insurance policies

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer


up to 60%



*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What’s covered?

It’s important to know what you’re covered for, so that if something happens, you’ll be able to act quickly. Here are some of the things covered by CGU:

Unlike a lot of other car insurance policies, vehicle modifications are also covered under a CGU policy.

What’s not?

Even a comprehensive policy doesn’t cover everything. Your car insurance policy is designed to help you cover the costs of fixing your car 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 aging or usual wear and tear.

A few other things not included in your CGU cover include:

How much does CGU car insurance cost?

There are few things that play a part in how much your car insurance bill will impact your budget. The main ones are:


Your premium is determined by the cost to CGU of providing insurance (this means the costs of running a business, basically) as well as 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, 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 insurance costs down. These include the no claims discount and get this - your first at-fault claim won’t impact your no claims bonus.

You can also get your hands on a discount if you drive less than 10,000kms a year.


The excess is an expense you should consider when taking out an insurance policy, not only because it’s the amount you’ll have to come up with if there’s an emergency and you need to make a claim, but also because it can affect how high your premium is.

You can choose a low excess on your CGU car insurance, but remember that this will mean you pay a higher premium. If you’d like to lower your premium, you might opt for a higher excess.

How do I pay my premium?

When you’re trying to fit the cost of car insurance into your budget, it’s nice to have a little flexibility with how you can go about it.

With CGU, you can choose to pay your insurance in monthly, fortnightly or annual installments. You can also pay via direct transfer from your bank account, or with a credit or debit card. The best news is that all these flexible options come at no extra cost to you.

How is CGU rated by customers?

Now that you’ve read some of the need-to-know information, find out what CGU customers think of their car insurance policy in our customer review section. Everyday Aussies have rated CGU on its performance in areas like trust, convenience and customer service. 

Making a claim

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:

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