Key benefits

Five levels of cover: Comprehensive Plus, Comprehensive, Comprehensive Basics, Third Party Fire and Theft, and Third Party Property Damage
Fortnightly, monthly, quarterly or annual payments available at no extra cost
Choice of market or agreed value for Comprehensive policies
A trusted repairer network
Support from a dedicated South Australian support team
Over 165 years of trust

Product overview

When it comes to your car, sometimes things can go wrong. That’s why having protection can help. CGU's range of car insurance policies can cover common types of theft, loss or damage. And with a range of extra benefits that you can choose to add on or leave out, you’ll only pay for what you want. Plus, there's a quick claims process if you need it.
  • Comprehensive Plus

    Our top-tier insurance policy. 

    • 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 cause an accident
    • $0 excess for glass damage
    • Hire car after any incident CGU covers
    • Cover for baby capsules and baby seats if they’re stolen or damaged in an accident

     

    Optional Cover
    Choose any repairer - Add an option to pick any licensed repairer to fix your car.

     

     

     

     

  • Comprehensive

    Our most popular policy.

    • If your new car is written off in its first two 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 cause an accident
    • Cover for baby capsules and baby seats if they’re stolen or damaged in an accident

    Optional Cover

    • Choose any repairer - Add an option to pick any licensed repairer to fix your car.
    • $0 excess for glass damage - Add an option to avoid paying an excess when you claim for glass damage only (like to your windscreen or windows).
    • Hire Car after any accident CGU covers - Add an option to get a hire car or alternative transport if your car can’t be driven after any incident CGU covers.
       
  • Comprehensive Basics

    Our entry-level policy.

    • Covers anyone you let drive your car
    • Theft, storm damage, fire & flood
    • Damage from an accident
    • Damage if you cause an accident
    • Covers your car if it’s stolen, vandalised, or damaged during a theft attempt
    • Taxi fare after an accident

     

     

     

     

     

     

     

     

     

     

Third party options

  • Third Party Fire and Theft

    • Covers damage to your car if an uninsured driver causes an accident (up to $5,000)
    • Covers damage to other cars if you cause an accident
    • Covers towing to a safe place if an uninsured driver causes an accident
    • Cover for damage you cause to other people's cars or property in an accident (up to $20 Million)

     

     

     

     

  • Third Party Property Damage

    • Covers for damage to your car caused by fire (up to $10,000)
    • Covers damage to your car if an uninsured driver causes an accident (up to $5,000)
    • Covers your car if it’s stolen or damaged by someone trying to steal it (Up to $10,000)
    • Covers damage to other cars if you cause an accident 
    • Covers towing to a safe place if an uninsured driver causes an accident
    • Cover for damage you cause to other people's cars or property in an accident (up to $20 million)
       

Ready to get a quote?

You can get a quote online today.

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.
Partner Repairer
Cover for liability

Additional benefits

Baby capsules and child seats
Emergency Repairs
Emergency Transport and accommodation
Fire extinguisher replacement
Hire vehicle or alternative transport after not at-fault incident
Hire vehicle or alternative transport after theft
Incorrect fuel
Legal representation at coronial inquiry
Lifetime repair guarantee (on authorised repairs)
Methamphetamine contamination
New vehicle replacement
Personal Items
Replacement of keys and locks
Taxi fare
Temporary Cover for replacement vehicle
Tools of trade
Towing
Trailer or caravan attached to Your Vehicle
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’

up to the Market Value of Your Vehicle to a maximum of $5,000 only

up to the Market Value of Your Vehicle to a maximum of $5,000 only
Vehicle pick-up and return
Vehicle storage costs
Optional Benefits
Excess free glass extension Automatically included Optional
Hire Vehicle or alternative transport after incident Automatically included Optional
Any repaired option Optional Optional

Need to make a car insurance claim?

Make a claim through your CGU Online Account or call CGU's claims team 24 hours a day, 7 days a week on 13 24 80.

Talk to us about your insurance needs today!