CGU - Comprehensive Car Insurance

Discounts and excesses

• Monthly premiums available

• Choice of excess

  $600 - $2,050

• Young driver excess imposed

  $1,000 for drivers under 20, $750 for drivers under 22 or $500 for drivers under 25. Over 25: $750 if less than 2 years licensed.

• Maximum no claim discount table

  60% (NSW)
  60% (SA)
  60% (QLD)
  60% (ACT)
  60% (WA)
  60% (NT)
  60% (VIC)
  60% (TAS)

• Maximum no claim discount term

  5 years

• Online discount

  n/a

• Multi policy discount

  none

• No claim discount

  Maximum no claim discount protected for unlimited no fault claims and 1 at fault claim, after 2 years at maximum no claim discount level and if youve had your licence for 8 or more years.

• Discounts available

  Discount if you drive less than 10,000kms per year.|discount when only nominated drivers policy

Service features

• Roadside assistance

• Choice of repairer

• Claims service 24 7

• Other benefits

  none

• Other restrictions

  none

Coverage summary

• Agreed or market value

  Agreed or Market

• New car if written off

  if under 3 years or 50,000km

• Personal property cover

  Up to $1000 cover when car damaged/stolen.

• Windscreen cover

  Covered. Can pay extra premium for windscreen cover with no excess.

• Emergency repairs without assessment

  Up to $800

• Emergency options

  One night of accommodation and travel expenses, up to $500. Cost of one tow (>100km from home)

• Rental car after theft

  - 21 days. Max $100 daily.

• Rental car after accident

  Optional extra - Up to 21 days, $100 daily

• Rental car liability

  $2000 contribution towards excess or security bond required; legal liability cover when using a substitute vehicle

• Trailer or caravan cover

  Up to $1000 for trailer only

• Replacement keys

  Up to $1000 if stolen

• Baby capsule or seats

  Covered up to replacement cost if stolen or damaged.

• Modifications

  Covered only if agreed in writing

• Accidental death cover for driver

  Up to $5,000 if within 12 months of accident.