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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
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)
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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 | ✗ | ✗ | ✗ |
FAQs
How much is car insurance?
Car insurance premiums vary because we all have different circumstances and needs. For all the factors CGU considers, take a look at the Premium, Excess and Discounts Guide.
What is a car insurance claim?
A car insurance claim is a request that you lodge to your car insurance provider when you have suffered damage or loss.
What is an excess in car insurance?
An excess is the amount you may contribute towards the cost of your claim. Your insurance policy schedule or policy booklet Certificate of Insurance shows the amount and types of excesses that apply to your policy.
Does CGU cover electric (EV), hybrid and plug-in-hybrid (PHEV) vehicles?
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.
What does 'market value' mean?
CGU’s assessment of your vehicle’s value at the time of the incident you are claiming for, using local market prices and considering the age and condition of your vehicle. It includes any modifications, options or accessories attached to the vehicle, GST, registration, and Compulsory Third Party Insurance (if applicable).
What does ‘agreed value’ mean?
Agreed value is the amount CGU agrees to insure your vehicle for and remains fixed for the term of the current policy period. It is adjusted on each renewal and shown on your current schedule. An agreed value policy means that in the unfortunate event of your vehicle being declared a total loss, you know what you’ll be covered for, regardless of changes in the market. This value includes modifications, manufacturers' options and accessories that we have agreed to insure.
How do I make a car insurance claim?
You can make a claim via your CGU Online Account. Details on how to register for your Online Account are included in your renewal offer or in your new business documentation.
Alternatively, you can call CGU on 13 24 80, for 24-hour claims lodgement.
Guides and tips
What to consider when choosing car insurance
Driving to the mountains or surf? What to consider when choosing car insurance that’s right for you.
Calculate what's included in comprehensive car insurance
We take you through what comprehensive car insurance is, and what it covers.
