The details shown below are for the Fundamentals Home Insurance
The details shown below are for the Listed Events Home Insurance
The details shown below are for the Accidental Damage Home Insurance
Choose the version of this product that suits you best
| Name | |
|---|---|
| | Fundamentals Home Insurance |
| | Listed Events Home Insurance |
| | Accidental Damage Home Insurance |
Fundamentals Home Insurance
Listed Events Home Insurance
Accidental Damage Home Insurance
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.
With the CGU Fundamentals Home and Contents Insurance policy you’ll be safe in the knowledge 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 $1,000 per-item ($2,000 in total), 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.
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.
Unlike many policies, Fundamentals Home and Contents Insurance doesn’t come with a discount for signing up online.
| 60 | |
| No | |
| Yes | |
| $350 | |
| true | |
| yes | |
| No | |
| Yes | |
| No | |
| Up to $1,000 | |
| Up to $20,000,000 | |
| n/a | |
| n/a |
| No | |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| No | |
| No | |
| Yes | |
| Yes | |
| No | |
| Yes | |
| Yes | |
| Yes | |
| Yes |
| Yes | |
| No | |
| No | |
| Yes |
| 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 | |
| No | |
| No | |
| No | |
| Up to $20,000 per item or set | |
| No | |
| No | |
| Up to $2,500 |
| No | |
| No | |
| 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 | |
| No | |
| Up to 10% of sum insured combined with demolition costs | |
| Up to 10% of sum insured combined with debris removal costs | |
| No | |
| Up to 14 days for contents | |
| No |
*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.
| 60 | |
| No | |
| Yes | |
| $350 | |
| true | |
| yes | |
| No | |
| Yes | |
| Up to 90 days | |
| Up to $2,000 | |
| Up to $20,000,000 | |
| n/a | |
| n/a |
| No | |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Up to 15 years old | |
| No | |
| Yes | |
| Yes | |
| No | |
| Yes | |
| Yes | |
| Yes | |
| Yes |
| Yes | |
| No | |
| Up to $750 for plants | |
| Yes |
| 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 | |
| No | |
| Up to $1,000 | |
| No | |
| Up to $20,000 per item or set | |
| Up to $5,000 | |
| Up to $5,000 | |
| Up to $10,000 |
| 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 | |
| No | |
| Up to 14 days for contents | |
| Up to $10,000 |
*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.
| 60 | |
| No | |
| Yes | |
| $350 | |
| true | |
| yes | |
| No | |
| Yes | |
| Up to 90 days | |
| Yes | |
| Up to $20,000,000 | |
| n/a | |
| n/a |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Up to 15 years old | |
| No | |
| Yes | |
| Yes | |
| No | |
| Yes | |
| Yes | |
| Yes | |
| Yes |
| Yes | |
| No | |
| Up to $1,500 for plants | |
| Yes |
| 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 | |
| No | |
| Up to $1,000 | |
| No | |
| Up to $20,000 per item or set | |
| Up to $5,000 | |
| Up to $5,000 | |
| Up to $10,000 |
| Up to $10,000 for funerals | |
| Up to $500 | |
| Yes | |
| 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 | |
| No | |
| Up to 14 days for contents | |
| Up to $10,000 |
*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.
We use a broker to obtain quotes each year and CGU comes out the best each year. We use them for building & contents and landlord insurance. Repaired a flooded house and paid insurance equivalent to rent each week. Excellent for our needs. Then we had a tenants friend drive into front of a different house which was also repaired in a timely manner.
Read full reviewWe use a broker to obtain quotes each year and CGU comes out the best each year. We use them for building & contents and landlord insurance. Repaired a flooded house and paid insurance equivalent to rent each week. Excellent for our needs. Then we had a tenants friend drive into front of a different house which was also repaired in a timely manner.
We had our dryer start fire in laundry, with smoke damage in office as well. CGU were excellent, having cleaners come clean everything down, remove everything from laundry and office. It was big job for them, they did a marvellous job cleaning everything and removing the smoke smell from every room.
Read full reviewWe had our dryer start fire in laundry, with smoke damage in office as well. CGU were excellent, having cleaners come clean everything down, remove everything from laundry and office. It was big job for them, they did a marvellous job cleaning everything and removing the smoke smell from every room.
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 reviewI’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.
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 reviewClaims 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.
Only ever had 1 claim in 15 years and yet still have yearly increases above CPI.
Read full reviewOnly ever had 1 claim in 15 years and yet still have yearly increases above CPI.