CGU home insurance

With 160 years of home and contents insurance experience behind them, CGU have a strong following with their promise of a simple claims policy and an overall hassle-free experience.

CGU offers three tiers of protection for building, contents and combined cover. So whether you're buying or renting, CGU has a range of options to help you choose the right insurance for your needs.

CGU offers the following home insurance

Rates and fees verified as correct at 24 January, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Main Events covered Monthly payments cost extra Underinsurance protection New for old replacement
Accidental Damage Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

Accidental Damage Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

Accidental Damage Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

Fundamentals Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

Fundamentals Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

Fundamentals Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

Listed Events Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

Listed Events Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

Listed Events Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

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.

How is CGU home insurance rated?

Mozo users have rated CGU home insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-insurances
CGU home insurance
Overall
7.5/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

178 Reviews

Recent CGU home insurance reviews

CGU Home Insurance review
Overall 6/10
Slow responses.

Slow to follow through with claims.

Read full review

Slow to follow through with claims.

Value for money
6/10
Policy coverage
6/10
Customer service
6/10
Claims handling
7/10
Trust
6/10
Less
Dwayne, Tasmania, reviewed 3 months ago
CGU Home & Contents Insurance review
Overall 8/10
They’re value for money and trustworthy.

I’ve been with CGU for quite a while now and they have the most competitive pricing and great customer services. They’re always there when needing answers. Thanks CGU.

Read full review

I’ve been with CGU for quite a while now and they have the most competitive pricing and great customer services. They’re always there when needing answers. Thanks CGU.

Value for money
7/10
Policy coverage
7/10
Customer service
7/10
Claims handling
7/10
Trust
7/10
Less
Carol anne, Queensland, reviewed 4 months ago
CGU Home Insurance review
Overall 3/10
Paid a claim. Took them a long time. Poor service

Several poor customer service experiences with them. They also seemed to have gradually eroded the coverage in my policy over time. When I did need to make a claim due to a big hail storm though, they did eventually pay out (though they took a long time to arrange trades, etc).

Read full review

Several poor customer service experiences with them. They also seemed to have gradually eroded the coverage in my policy over time. When I did need to make a claim due to a big hail storm though, they did eventually pay out (though they took a long time to arrange trades, etc).

Value for money
4/10
Policy coverage
6/10
Customer service
2/10
Claims handling
4/10
Trust
2/10
Less
Cluan, Australian Capital Territory, reviewed 4 months ago
CGU Home & Contents Insurance review
Overall 4/10
Underwhelming service.

Claims handler appeared to be from Manilla and couldn't have been less interested in our storm damage claim. Sending jobs overseas may save the company money but those savings don't appear to be passed onto the customer.

Read full review

Claims handler appeared to be from Manilla and couldn't have been less interested in our storm damage claim. Sending jobs overseas may save the company money but those savings don't appear to be passed onto the customer.

Value for money
4/10
Policy coverage
8/10
Customer service
2/10
Claims handling
4/10
Trust
5/10
Less
Paul, Victoria, reviewed 9 months ago

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