CGU logo

CGU Comprehensive Car Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Monthly premiums available
Maximum no claim discount
up to 60%
Online discount
Choice of repairer


Rates and fees information correct as at 14 August 2022. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses


$400 - $2,050

$1,000 for drivers under 20, $750 for drivers under 22, $500 for drivers under 25, $750 for listed inexperienced drivers over 25, $1,500 for unlisted inexperienced drivers over 25, double the basic excess for unlisted drivers.

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

5 years



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.

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

Service features






Coverage summary

Agreed or Market

Yes - within 3 years and 50,000 km of original registration

Up to $1,000 if damaged or stolen.

Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.

Up to $800

Cost of one tow. Up to $500 travel and accommodation costs if greater than 100 km from home.

Yes - Up to 21 days, max $100 per day.

Not at fault - Optional Extra. At fault - Optional Extra. Up to 21 days, max $100 per day.

Yes - legal liability cover when using a substitute vehicle. $2,000 contribution towards excess or security bond when using a hire car after an event.

Up to $1,000 for trailer only.

Up to $1,000 if stolen.

Replacement cost

Covered only if agreed in writing.

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


Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Customer Reviews

How are CGU car insurance rated by the Mozo community?

Value for money
Policy coverage
Customer service
Claims handling

Latest reviews of CGU Comprehensive Car Insurance

About CGU