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
| Name | |
|---|---|
| | Fundamentals Home Insurance |
| | Accidental Damage Home Insurance |
| | Listed Events Home Insurance |
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Fundamentals Home Insurance
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Accidental Damage Home Insurance
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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 13 November 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
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Up to $500
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Up to $1,000
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Up to $20,000 per item or set
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Up to $20,000 per item or set
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Up to $1,000 per item or set. Up to $2,000 in total for valuables
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Up to $20,000 per item or set
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Up to $20,000 per item or set
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Up to $1,000 per item or set. Up to $2,000 in total for valuables
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Up to $1,000 per item or set. Up to $2,000 in total for valuables
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Up to $20,000 per item or set
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Up to $2,500
Other cover
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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 costs
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Up to 10% of sum insured combined with debris removal costs
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Up to 14 days
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Policy and service features
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60
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$350
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No
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Up to $1,000
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Up to $20,000,000
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Events
Details
Rates and fees information correct as at 13 November 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
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Up to $1,250
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Up to $5,000
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Up to $20,000 per item or set
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Up to $20,000 per item or set
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Up to $2,500 per item or set. Up to greater of 20% sum insured or $7,500 in total for valuables
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Up to $20,000 per item or set
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Up to $20,000 per item or set
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Up to $2,500 per item or set. Up to greater of 20% sum insured or $7,500 in total for valuables
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Up to $2,500 per item or set. Up to greater of 20% sum insured or $7,500 in total for valuables
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Up to $1,000
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Up to $20,000 per item or set
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Up to $5,000
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Up to $5,000
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Up to $10,000
Other cover
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Up to $10,000 for funerals
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Up to $500
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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 12 months
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Up to 10% of sum insured combined with demolition costs
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Up to 10% of sum insured combined with debris removal costs
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Up to 14 days
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Up to $10,000
Policy and service features
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60
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$350
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No
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Up to 90 days
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Up to $20,000,000
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Events
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Up to 15 years old
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Details
Rates and fees information correct as at 13 November 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
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Up to $750
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Up to $5,000
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Up to $20,000 per item or set
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Up to $20,000 per item or set
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Up to $2,500 per item or set. Up to greater of 20% sum insured or $5,000 in total for valuables
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Up to $20,000 per item or set
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Up to $20,000 per item or set
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Up to $2,500 per item or set. Up to greater of 20% sum insured or $5,000 in total for valuables
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Up to $2,500 per item or set. Up to greater of 20% sum insured or $5,000 in total for valuables
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Up to $1,000
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Up to $20,000 per item or set
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Up to $5,000
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Up to $5,000
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Up to $10,000
Other cover
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Up to $10,000 for funerals
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Up to $500
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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 12 months
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Up to 10% of sum insured combined with demolition costs
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Up to 10% of sum insured combined with debris removal costs
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Up to 14 days
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Up to $10,000
Policy and service features
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60
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$350
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No
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Up to 90 days
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Up to $2,000
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Up to $20,000,000
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Events
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Up to 15 years old
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Customer Reviews
How are CGU home insurance rated by the Mozo community?
Latest reviews of CGU Contents Insurance
- Overall3/10
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...
Read full review
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 money5/10Policy coverage-Customer service-Claims handling-Trust-Less
Judy | Queensland
reviewed over 2 years ago
- Overall9/10
Easy forms to fill out, a customer for 15 years
Been with them 15 years, very happy
Read full review
Been with them 15 years, very happy
Value for money9/10Policy coverage-Customer service-Claims handling-Trust-Less
Rosie | South Australia
reviewed over 2 years ago
- Overall7/10
Good service
Good value for money
Read full review
Good value for money
Value for money7/10Policy coverage7/10Customer service7/10Claims handling7/10Trust7/10Less
Kevin | Western Australia
reviewed over 3 years ago
- Overall7/10
Good customer service when dealing with claims.
CGU provides the coverage I required although the pricing is not the best.
Read full review
CGU provides the coverage I required although the pricing is not the best.
Value for money7/10Policy coverage8/10Customer service7/10Claims handling8/10Trust7/10Less
James | South Australia
reviewed almost 4 years ago
- Overall7/10
Good price
Happy with price and as yet haven't made a claim - fingers crossed
Read full review
Happy with price and as yet haven't made a claim - fingers crossed
Value for money8/10Policy coverage8/10Customer service5/10Claims handling5/10Trust7/10Less
Eileen | New South Wales
reviewed almost 4 years ago
