Choose the version of this product that suits you best
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Basic - Fundamentals Home Insurance |
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Quality - Listed Events Home Insurance |
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Premium - Accidental Damage Home Insurance |
CGU’s Fundamentals Building Insurance provides all the basic features you’ll need to protect your home, plus some advantages you might not expect from a low cost policy. With automatic flood cover, cover for up to 12 months of temporary accommodation costs and the option to make fee-free monthly repayments, CGU’s low cost policy could be the perfect option for your own home.
With a CGU Fundamentals Building Insurance policy you’ll know your home is insured against all the standard events, from minor occurrences such as accidental glass breakage to natural events like lightning strikes and impacts from falling trees. CGU even provides automatic flood cover (which is usually an optional extra), although it should be noted that your policy won’t cover your house for damage from storm surges or power surges.
If an event does occur that leaves your home damaged or destroyed the policy will cover any debris removal or demolition costs (up to 10% of the sum insured), up to $1,000 for the replacement of locks and keys, as well as alternative accommodation costs for your family and pets for up to 12 months (also up to 10% of sum insured).
Unlike many other insurance policies, CGU Fundamentals Building Insurance can be paid in monthly instalments or as a yearly lump sum without incurring additional fees. Plus with the 24/7 claims line you'll be able to contact CGU at any time.
CGU’s Fundamentals Building Insurance is more than just a low cost building insurance option - with it’s range of additional features it can provide any homeowner with the comprehensive protection and cover needed for their own home.
The Fundamentals Building Insurance policy doesn’t offer cover for trees or plants damaged or destroyed in an event. As with any insurance policy there are some exclusions, so be sure that you read the PDS in full before signing up.
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No |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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No |
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No |
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Yes |
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Yes |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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60 |
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No |
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Yes |
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$350 |
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true |
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yes |
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No |
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Yes |
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Up to $20,000,000 |
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none |
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none |
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No |
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Up to $1,000 |
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Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets |
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Up to 12 months, up to 10% of sum insured combined with temporary accommodation |
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Up to 10% of sum insured combined with demolition cost |
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Up to 10% of sum insured combined with debris removal cost |
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Yes |
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.
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Yes |
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No |
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Up to $750 for plants |
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Yes |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to 15 years old |
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No |
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Yes |
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Yes |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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60 |
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No |
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Yes |
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$350 |
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true |
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yes |
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No |
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Yes |
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Up to $20,000,000 |
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none |
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none |
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No |
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Up to $1,000 |
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Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets |
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Up to 12 months, up to 10% of sum insured combined with temporary accommodation |
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Up to 10% of sum insured combined with demolition cost |
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Up to 10% of sum insured combined with debris removal cost |
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Yes |
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.
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Yes |
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No |
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Up to $1,500 for plants |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to 15 years old |
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No |
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Yes |
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Yes |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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60 |
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No |
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Yes |
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$350 |
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true |
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yes |
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No |
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Yes |
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Up to $20,000,000 |
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none |
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none |
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No |
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Yes |
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Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets |
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Up to 12 months, up to 10% of sum insured combined with temporary accommodation |
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Up to 10% of sum insured combined with demolition cost |
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Up to 10% of sum insured combined with debris removal cost |
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Yes |
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.
Pretty happy with this insurer, they dealt with a couple of failed payments in a relatively painless way.
Read full reviewPretty happy with this insurer, they dealt with a couple of failed payments in a relatively painless way.
One of the very few who offer fortnightly policy payments with no extra fee. Perfect for budgeting!
Read full reviewOne of the very few who offer fortnightly policy payments with no extra fee. Perfect for budgeting!
First class with a difficult claim caused by a third party.
Read full reviewFirst class with a difficult claim caused by a third party.
Reasonable premium on monthly direct debit.
Read full reviewReasonable premium on monthly direct debit.
The Staff are very knowledgeable and offer advice, very pleasant to deal with and give you options of coverage. Competitive prices, and can do most things on line.
Read full reviewThe Staff are very knowledgeable and offer advice, very pleasant to deal with and give you options of coverage. Competitive prices, and can do most things on line.