CGU Contents Insurance

This product is available in different versions. Pick the right version for you here.

The details shown below are for the Fundamentals Home Insurance

The details shown below are for the Accidental Damage Home Insurance

The details shown below are for the Listed Events Home Insurance

Choose the version of this loan that suits you best

  • Fundamentals Home Insurance

  • Accidental Damage Home Insurance

  • Listed Events Home Insurance

CGU Contents Insurance

CGU Contents Insurance

CGU Contents Insurance

Mozo Review   CGU Contents Insurance Review

Last updated: 6 November 2018.

What's hot:
  • Mozo Experts Choice Award 2017

  • Automatic flood cover

  • New for old replacement

  • Fee-free monthly repayments

What's not:
  • No online discounts

Mozo snapshot:

Are you looking for an affordable home and contents insurance policy that provides the basic levels of cover and more? With an extensive range of covered events, generous cover for your valuables and even options you wouldn’t get with some premium policies such as automatic flood cover and fee-free monthly repayments, the CGU Fundamentals Home and Contents Insurance policy could be the one for you. It’s little surprise that it won a 2017 Mozo Experts Choice Award for Low Cost Home and Contents Insurance.



Key features:

With the CGU Fundamentals Home and Contents Insurance policy you’ll be safe in knowing that both your house and possessions will be covered for a number of events including burglary, the accidental breakage of glass, fire, lightning strikes, and, unlike many policies, flood damage. However, the policy won’t cover you for damage caused by a power surge or storm surge (when a storm causes an increase in sea level).

Your valuable items (think jewellery, mobile phones and laptops) will all be covered for up to $2,000, as will any cash in your home (up to $500) and your credit cards (up to $1,000), though CGU won’t cover your trees or other landscaping features for damage under the policy.

CGU Fundamentals Home and Contents Insurance also comes with a number of additional features you might not expect from a basic policy, making it a great value low cost option. These include new for old replacement for damaged or destroyed items, temporary accommodation for your family and pets for up to 12 months (up to 10% of the sum insured), as well as debris removal and demolition costs in the event that your home is damaged or destroyed (up to 10% of the sum insured).

Better yet, unlike many insurers CGU allows you to pay for your premium on a monthly basis without being charged a fee, although you’re still able to pay it as an annual lump sum if you choose to.
Who it's good for:

CGU’s Fundamentals Home and Contents Insurance is an ideal option for homeowners looking for a low cost policy that also offers a heap of additional features to cover both their home and possessions.


Any catches?

Unlike many policies, Fundamentals Home and Contents Insurance doesn’t come with a discount for signing up online, but with its low cost and range of features you won’t need it. 


Details

Rates and fees information correct as at 18 September 2019. 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.
Contents
  • Up to $500

  • Up to $1,000

  • Up to $20,000 per item or set

  • Up to $20,000 per item or set

  • Up to $1,000 per item or set. Up to $2,000 in total for valuables

  • Up to $20,000 per item or set

  • Up to $20,000 per item or set

  • Up to $1,000 per item or set. Up to $2,000 in total for valuables

  • Up to $1,000 per item or set. Up to $2,000 in total for valuables

  • Up to $20,000 per item or set

  • Up to $2,500

Other cover
  • Up to $1,000

  • Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

  • Up to 12 months, up to 10% of sum insured combined with temporary accommodation

  • Up to 10% of sum insured combined with demolition costs

  • Up to 10% of sum insured combined with debris removal costs

  • Up to 14 days

Policy and service features
  • 60

  • $350

  • No

  • Up to $1,000

  • Up to $20,000,000

Events

Details

Rates and fees information correct as at 18 September 2019. 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.
Contents
  • Up to $1,250

  • Up to $5,000

  • Up to $20,000 per item or set

  • Up to $20,000 per item or set

  • Up to $2,500 per item or set. Up to greater of 20% sum insured or $7,500 in total for valuables

  • Up to $20,000 per item or set

  • Up to $20,000 per item or set

  • Up to $2,500 per item or set. Up to greater of 20% sum insured or $7,500 in total for valuables

  • Up to $2,500 per item or set. Up to greater of 20% sum insured or $7,500 in total for valuables

  • Up to $1,000

  • Up to $20,000 per item or set

  • Up to $5,000

  • Up to $5,000

  • Up to $10,000

Other cover
  • Up to $10,000 for funerals

  • Up to $500

  • Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

  • Up to 12 months, up to 10% of sum insured combined with temporary accommodation

  • Up to 12 months

  • Up to 10% of sum insured combined with demolition costs

  • Up to 10% of sum insured combined with debris removal costs

  • Up to 14 days

  • Up to $10,000

Policy and service features
  • 60

  • $350

  • No

  • Up to 90 days

  • Up to $20,000,000

Events
  • Up to 15 years old

Details

Rates and fees information correct as at 18 September 2019. 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.
Contents
  • Up to $750

  • Up to $5,000

  • Up to $20,000 per item or set

  • Up to $20,000 per item or set

  • Up to $2,500 per item or set. Up to greater of 20% sum insured or $5,000 in total for valuables

  • Up to $20,000 per item or set

  • Up to $20,000 per item or set

  • Up to $2,500 per item or set. Up to greater of 20% sum insured or $5,000 in total for valuables

  • Up to $2,500 per item or set. Up to greater of 20% sum insured or $5,000 in total for valuables

  • Up to $1,000

  • Up to $20,000 per item or set

  • Up to $5,000

  • Up to $5,000

  • Up to $10,000

Other cover
  • Up to $10,000 for funerals

  • Up to $500

  • Up to $1,000

  • Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

  • Up to 12 months, up to 10% of sum insured combined with temporary accommodation

  • Up to 12 months

  • Up to 10% of sum insured combined with demolition costs

  • Up to 10% of sum insured combined with debris removal costs

  • Up to 14 days

  • Up to $10,000

Policy and service features
  • 60

  • $350

  • No

  • Up to 90 days

  • Up to $2,000

  • Up to $20,000,000

Events
  • Up to 15 years old

Customer Reviews

How are CGU home insurance rated by the Mozo community?

Overall customer rating
7.5/10
Value for money
7.2/10
Policy coverage
7.7/10
Customer service
7.8/10
Claims handling
7.5/10
Trust
7.5/10

Latest reviews of CGU Contents Insurance

  • Overall
    3/10
    Bad claim handling and reasonable premium cost

    After lodging a claim, I was totally dissatisfied with the process and the person that I had to...

    After lodging a claim, I was totally dissatisfied with the process and the person that I had to deal with. I was stuffed around, lied to, accused of lying, I had to fight for my claim. It was terrible and the only reason I am staying with them is for the ease of paying the premium.

    Value for money
    5/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Judy | Queensland

    reviewed over 2 years ago

  • Overall
    9/10
    Easy forms to fill out, a customer for 15 years

    Been with them 15 years, very happy

    Been with them 15 years, very happy

    Value for money
    9/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Rosie | South Australia

    reviewed over 2 years ago

  • Overall
    7/10
    Good service

    Good value for money

    Good value for money

    Value for money
    7/10
    Policy coverage
    7/10
    Customer service
    7/10
    Claims handling
    7/10
    Trust
    7/10

    Kevin | Western Australia

    reviewed over 3 years ago

  • Overall
    7/10
    Good customer service when dealing with claims.

    CGU provides the coverage I required although the pricing is not the best.

    CGU provides the coverage I required although the pricing is not the best.

    Value for money
    7/10
    Policy coverage
    8/10
    Customer service
    7/10
    Claims handling
    8/10
    Trust
    7/10

    James | South Australia

    reviewed over 3 years ago

  • Overall
    7/10
    Good price

    Happy with price and as yet haven't made a claim - fingers crossed

    Happy with price and as yet haven't made a claim - fingers crossed

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    5/10
    Claims handling
    5/10
    Trust
    7/10

    Eileen | New South Wales

    reviewed over 3 years ago

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