CGU car insurance

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

Rates and fees verified as correct at 02 August, 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

Yes

up to 60%

n/a

Yes

What is included in CGU comprehensive car insurance?

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:

What’s not included in CGU car insurance? 

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:

How much does CGU car insurance cost?

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.

Are there any discounts with CGU?

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. 

Making a car insurance claim with CGU

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:

FAQs about CGU car insurance

Should I choose a low or high excess with CGU?

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. 

How do I pay my CGU car insurance premium?

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.

How do I contact CGU?

You can give CGU a call 24/7 on 13 24 80 to make a car insurance claim. 

If you just have a few questions to ask or want to update your policy, the number is 13 24 81 or you can check out the CGU website for the answers you seek.

Who is the underwriter for CGU?

CGU is underwritten by Insurance Australia Group (IAG).

How is CGU car insurance rated?

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.

Icon of car-insurances
CGU car insurance
Overall
7.9/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

801 Reviews

Recent CGU car insurance reviews

CGU Comprehensive Car Insurance
Overall 10/10
10 out of 10

Have dealt twice with this insurer 1 -as a third party claim they were absolutely brilliant from their consultants to the accessor cant speak highly enough 2-was so impressed I insured my new car with them one week later and got looked after again beautifully this is so unusual today everyone give these guys a go you won't be disappointed.

Read full review

Have dealt twice with this insurer 1 -as a third party claim they were absolutely brilliant from their consultants to the accessor cant speak highly enough 2-was so impressed I insured my new car with them one week later and got looked after again beautifully this is so unusual today everyone give these guys a go you won't be disappointed.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Terrance, New South Wales, reviewed about 1 month ago
CGU Car Insurance
Overall 1/10
Have heard a lot of people not happy with CGU.

They will fight against you on claims to your vehicle. They will cancel your policy if you have done anything that is just standard, no modification plate required to your vehicle due to their policies and trying to state unacceptable modifications, that even the transport department did not need any modification plate. You can never talk to someone from Australia who understands English and Australian Standards.

Read full review

They will fight against you on claims to your vehicle. They will cancel your policy if you have done anything that is just standard, no modification plate required to your vehicle due to their policies and trying to state unacceptable modifications, that even the transport department did not need any modification plate. You can never talk to someone from Australia who understands English and Australian Standards.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
S, Queensland, reviewed 3 months ago
CGU Comprehensive Car Insurance
Overall 8/10
Great insurer, fall down with value for money.

Very good insurer and no issues with claims. However value for money is an issue in my situation.

Read full review

Very good insurer and no issues with claims. However value for money is an issue in my situation.

Value for money
7/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Andrew, Queensland, reviewed 3 months ago
CGU Car Insurance
Overall 9/10
Professional company.

They are quick when making a claim, and made sure that I was looked after being hit in the back of the car. They directed me to a hire car provider where I hired a car while mine was getting fixed.

Read full review

They are quick when making a claim, and made sure that I was looked after being hit in the back of the car. They directed me to a hire car provider where I hired a car while mine was getting fixed.

Value for money
9/10
Policy coverage
9/10
Trust
10/10
Less
Marissa, Victoria, reviewed 4 months ago

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