CGU - Home & Contents Insurance

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Policy and service features

  • 60

  • $250

  • No

  • Up to $1,000

  • Up to $20,000,000

Events

Buildings

  • Up to sum insured

Contents

  • Up to $500

  • Up to $1,000

  • Up to sum insured

  • Software only, up to sum insured

  • Up to $1,000 per item, up to $2,000

  • Up to $20,000 per item

  • Up to $1,000 per item, up to $2,000 in total

  • Up to $1,000 per item, up to $2,000 in total

  • Up to $2,500

Other cover

  • Up to $1,000

  • Up to 12 months, up to 10% of sum insured

  • Up to 12 months, up to $500

  • Up to 10% of sum insured combined with demolition cost and temporary accommodation cost

  • Up to 10% of sum insured combined with debris removal cost and emergency storage cost

  • Up to 14 days

Policy and service features

  • 60

  • $250

  • No

  • Up to 90 days

  • Up to $1,000

  • Up to $20,000,000

Events

  • Up to 15 years old

Buildings

  • Up to $1,500

  • Up to sum insured

Contents

  • Up to $1,250

  • Up to $5,000

  • Up to sum insured

  • Software only, up to sum insured

  • Up to $2,500, up to the higher of 20% of sum insured or $7,500

  • Up to $20,000 per item

  • Up to $2,500, up to 20% of sum insured

  • Up to $7,500, up to 20% of sum insured

  • Up to $1,000

  • Up to $5,000

  • Up to $5,000

  • Up to $10,000

Other cover

  • Up to $10,000 for funeral or injury

  • Up to $500

  • Reasonable cost

  • Up to 12 months, up to 10% of sum insured

  • Up to 12 months, up to $500

  • Up to 12 months

  • Up to 10% of sum insured combined with demolition cost and temporary accommodation cost

  • Up to 10% of sum insured combined with debris removal cost and emergency storage cost

  • Up to 14 days

  • Up to $10,000

Policy and service features

  • 60

  • $250

  • No

  • Up to 90 days

  • Up to $1,000

  • Up to $20,000,000

Events

  • Up to 15 years old

Buildings

  • Up to $750

  • Up to sum insured

Contents

  • Up to $750

  • Up to $5,000

  • Up to sum insured

  • Software only, up to sum insured

  • Up to $2,500, up to the higher of 20% of sum insured or $5,000

  • Up to $20,000 per item

  • Up to $2,500, up to 20% of sum insured

  • Up to $5,000, up to 20% of sum insured

  • Up to $1,000

  • Up to $5,000

  • Up to $5,000

  • Up to $10,000

Other cover

  • Up to $10,000 for funeral or injury

  • Up to $500

  • Up to $1,000

  • Up to 12 months, up to 10% of sum insured

  • Up to 12 months, up to $500

  • Up to 12 months

  • Up to 10% of sum insured combined with demolition cost and temporary accommodation cost

  • Up to 10% of sum insured combined with debris removal cost and emergency storage cost

  • Up to 14 days

  • Up to $10,000

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).

How is CGU home insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
CGU home insurance
7.6

Based on 146
CGU home insurance reviews

7.1 7.7 7.8 7.4 7.5

Latest reviews of CGU Home & Contents Insurance

CGU

CGU Fundamentals Home Insurance home insurance review

Overall rating   6 / 10

Need to keep options open

Only ever had 1 claim in 15 years and yet still have yearly increases above CPI.

Full review

Only ever had 1 claim in 15 years and yet still have yearly increases above CPI.

    Value for money   5 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

David (VIC), reviewed about 1 year ago

CGU

CGU Fundamentals Home Insurance home insurance review

Overall rating   7 / 10

Very helpful

Always there to help and the products are good for my personal needs and cover what I need.

Full review

Always there to help and the products are good for my personal needs and cover what I need.

    Value for money   9 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Julianna (SA), reviewed about 1 year ago

CGU

CGU Fundamentals Home Insurance home insurance review

Overall rating   10 / 10

Competitive product, premium and service

Best value for money with the range of inclusions covered in the policy.

Full review

Best value for money with the range of inclusions covered in the policy.

    Value for money   10 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Karen (NSW), reviewed over 1 year ago

CGU

CGU Fundamentals Home Insurance home insurance review

Overall rating   6 / 10

Average overall, expensive insurance provider

I was surprised to find out that quite a few household items are not covered, like the stove, hot water system and white goods over 15 years old.

Full review

I was surprised to find out that quite a few household items are not covered, like the stove, hot water system and white goods over 15 years old.

    Value for money   5 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Barbara (SA), reviewed over 1 year ago

CGU

CGU Fundamentals Home Insurance home insurance review

Overall rating   1 / 10

CGU is not a fair insurer

I had landlords insurance with CGU. The tenants had a window fall into the bath and it gouged a big hole in the bath. CGU refused to cover the total cost of the claim and would only provide 50% of the cost to fix it. We were out of pocket $5000...

Full review

I had landlords insurance with CGU. The tenants had a window fall into the bath and it gouged a big hole in the bath. CGU refused to cover the total cost of the claim and would only provide 50% of the cost to fix it. We were out of pocket $5000 and had been very good customers for 8 years prior to this incident and only making 1 small claim in that time.

    Value for money   4 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Kate (QLD), reviewed over 1 year ago

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. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

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