Comprehensive Insurance
Comprehensive Car Insurance policy provides coverage for a range of insured events, including damage from fire, theft, weather, and collisions.
Comprehensive also covers any damage your car may cause to other people's vehicles and property. Seeking flexibility? This policy allows you to add extras like no excess for glass damage and the option to choose your repairer.
For detailed terms, conditions, limitations, and exclusions, please refer to the Product Disclosure Statement.
✓ If your new car is written off in its first three years, CGU tries to replace it with a similar new car
✓ Covers anyone you let drive your car
✓ Theft, storm damage, fire & flood
✓ Damage from an accident
✓ Damage if you caused an accident
✓ Cover for baby capsules and baby seats if they're stolen or damage in an accident.
Manage your insurance online
For policies purchased or renewed after 3 March 2025, you can make certain updates online, such as adjusting your excess amounts or optional benefits.
Simply log in to your account to see the available options. For assistance, call CGU at 13 24 81.
For significant changes, like purchasing a new car, please call us directly at 1300 688 825.
Compare Your Cover
This table compares the cover CGU provide under the types of insurance and levels of cover they offer. The amount and extent of cover, including additional benefits and optional benefits, may also vary depending on the cover selected. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
Cover |
Comprehensive Plus |
Comprehensive |
Comprehensive Basics |
Third Party Fire and Theft |
Third Party Property Damage |
Cover for loss or damage to Your Vehicle |
For Accidental damage | For Accidental damage | For Accidental damage | For fire, theft or attempted theft Up to $10,000 only | x |
| Partner Repairer | y | y | y | y | y |
| Cover for liability | y | y | y | y | y |
Additional benefits |
|||||
| Baby capsules and child seats | y | y | y | y | x |
| Emergency repairs | y | y | y | y | x |
| Emergency transport and accommodation | y | y | y | y | x |
| Fire extinguisher replacement | y | y | y | y | x |
| Hire vehicle or alternative transport after not at-fault incident | y | y | x | x | x |
| Hire vehicle or alternative transport after theft | y | y | x | y | x |
| Incorrect fuel | y | y | y | x | x |
| Legal representation at coronial inquiry | y | y | y | y | y |
| Lifetime repair guarantee (on authorised repairs) | y | y | y | y | y |
| Methamphetamine contamination | y | y | y | y | x |
| New vehicle replacement | y | y | x | x | x |
| Personal items | y | y | x | x | x |
| Replacement of keys and locks | y | y | y | x | x |
| Taxi fare | y | y | y | x | x |
| Temporary cover for replacement vehicle | y | y | y | y | y |
| Tools of trade | y | y | x | x | x |
| Towing | y | y | y | y | x |
| Trailer or caravan attached to Your Vehicle | y | y | y | x | x |
| Uninsured motorist damage | Covered under 'Loss or damage to Your Vehicle' | Covered under 'Loss or damage to Your Vehicle' | Covered under 'Loss or damage to Your Vehicle' | Y up to the Market Value of Your Vehicle to the Maximum of $5,000 only | Y up to the Market Value of Your Vehicle to the Maximum of $5,000 only |
| Vehicle pick-up and return | y | x | x | x | x |
| Vehicle storage costs | y | y | y | y | x |
Optional benefits |
|||||
| Excess free glass extension | Automatically included | Optional | x | x | x |
| Hire vehicle or alternative transport after incident | Automatically included | Optional | x | x | x |
| Any repairer option | Optional | Optional | x | x | x |
Frequently Asked Questions
Car insurance premiums vary because we all have different circumstances and needs. For all the factors CGU consider, take a look at the Premium, Excess and Discounts Guide.
A car insurance claim is a request that you lodge to your car insurance provider when you have suffered damage or loss.
An excess is the amount you may contribute towards the cost of your claim. Your current Certificate of Insurance shows the amount and types of excesses that apply to your policy.
Yes – as long as they meet CGU's standard acceptance criteria. CGU generally covers standard-spec EV, hybrid and PHEV vehicles.
You can check the PDS for all the details of what is and isn’t covered to make sure you’re choosing the right cover for your circumstances.
The changes you can make to your policies using your online account depend on the specific policies you hold.
For example, if you have a Comprehensive Car Insurance policy, you can:
- Add/edit the car's VIN
- Add/remove a windscreen option
- Add/remove a hire car
- Add/remove drivers
- Add/remove the car's credit provider
- Amend your excess
- Amend your sum insured
- Change and view your risk address
- Change kilometres driven/garaging
- Change the address where the car is kept
- Change your car's number plate details
- Switch from agreed value to market value
For more information about what changes you can make to your policy, please contact CGU on 13 24 81.
We're here when you need us
Contacting CGU Claims
Our partner CGU is here for you anytime, any day. Call CGU's claims team 24 hours a day, 7 days a week on 13 24 80 to make a claim.
For more information on the claims process, visit CGU's claims website.
Claims Guarantee
CGU offers a lifetime guarantee on the workmanship of all authorised repairs, valid for as long as you own the car.
Payment Options
Choose your cover and pay fortnightly, monthly or quarterly at no extra cost.
Things to note...
We're ready to help you
Important Information
What you need to know:
To get a new replacement car with Comprehensive or Comprehensive Plus following an incident CGU insures, your car must weigh under 3.5 tonnes, and it must have been a new or demonstrator vehicle when you bought it, and less than 24 months old for Comprehensive, and less than 36 months for Comprehensive Plus. New vehicle replacement is not included with Comprehensive Basics. New vehicle must be reasonably available in Australia.
Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from CGU website here.
