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CGU Home & Contents Insurance

Advertiser disclosure

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

  • Fundamentals Home Insurance

  • Listed Events Home Insurance

  • Accidental Damage Home Insurance

Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover

Mozo editorial review CGU Home & Contents Insurance - last updated: 3 June 2021

binocular icon
What's hot
  • Automatic flood cover
  • New-for-old contents 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.


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Key features

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.
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Who is it 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.


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Any catches

Unlike many policies, Fundamentals Home and Contents Insurance doesn’t come with a discount for signing up online.


Details

Rates and fees information correct as at 20 September 2021. 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.
Policy and service features

60

No

Yes

$350

true

yes

No

Yes

No

Up to $1,000

Up to $20,000,000

n/a

n/a

Events

No

Yes

Yes

Yes

Yes

Yes

Yes

No

No

Yes

Yes

No

Yes

Yes

Yes

Yes

Buildings

Yes

No

No

Yes

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

No

No

No

Up to $20,000 per item or set

No

No

Up to $2,500

Other cover

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.

Details

Rates and fees information correct as at 20 September 2021. 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.
Policy and service features

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

Events

No

Yes

Yes

Yes

Yes

Yes

Yes

Up to 15 years old

No

Yes

Yes

No

Yes

Yes

Yes

Yes

Buildings

Yes

No

Up to $750 for plants

Yes

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

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

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

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.

Details

Rates and fees information correct as at 20 September 2021. 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.
Policy and service features

60

No

Yes

$350

true

yes

No

Yes

Up to 90 days

Yes

Up to $20,000,000

n/a

n/a

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to 15 years old

No

Yes

Yes

No

Yes

Yes

Yes

Yes

Buildings

Yes

No

Up to $1,500 for plants

Yes

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

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

Other cover

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.

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