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

Cover information and limits in the table below verified as correct at 17 April 2024. 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:

  • 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.

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:

  • Roadside assistance

  • 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

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:

  • 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

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
Value for money
Policy coverage
Customer service
Claims handling
Trust

817 Reviews

Recent CGU car insurance reviews

CGU Comprehensive Car Insurance
Overall 10/10
Kind, clear and direct!

I have had to make one claim since owning my car. The process to sign up for insurance was easy and not time consuming at all. When it came time to making a claim the customer service agent was clear, kind, understanding and direct. They were very patient and understanding. I would highly recommend cgu to all family and friends and I will be a long term customer.

Read full review

I have had to make one claim since owning my car. The process to sign up for insurance was easy and not time consuming at all. When it came time to making a claim the customer service agent was clear, kind, understanding and direct. They were very patient and understanding. I would highly recommend cgu to all family and friends and I will be a long term customer.

Value for money
10/10
Policy coverage
9/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Crystal, Queensland, reviewed almost 2 years ago
CGU Comprehensive Car Insurance
Overall 10/10
Happy with CGU

CGU is good to deal with

Read full review

CGU is good to deal with

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
John, Victoria, reviewed about 2 years ago
CGU Car Insurance
Overall 10/10
Excellent service

Never had any issues with policies or claims.

Read full review

Never had any issues with policies or claims.

Value for money
10/10
Policy coverage
10/10
Claims handling
10/10
Trust
10/10
Less
Suzanne, Victoria, reviewed over 2 years ago
CGU Comprehensive Car Insurance
Overall 10/10
Excellent

Easy claims. Good coverage. Good customer service.

Read full review

Easy claims. Good coverage. Good customer service.

Value for money
10/10
Policy coverage
10/10
Claims handling
10/10
Trust
9/10
Less
Rachel, New South Wales, reviewed over 2 years ago
See all car insurance reviews
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.

Car insurance quick links