When you're on the road, knowing you're insured really matters!


Whether you want the best protection or something simple, you’ll find what you need. Through CGU we’ve got three levels of car insurance – each one customisable to match the way you drive your car.

Compare the Car Insurance policies


Features Comprehensive Third Party Fire & Theft Third Party Property Damage
Australia-wide Cover Yes Yes Yes
Nominated Driver option Yes Yes Yes
Nominated Driver Low Kilometre option Yes No No
Choice of agreed or market value Yes No No
No Claim Bonus protection
Automatic after 2 claim-free years on Rating 1
Yes No No
Optional windscreen extension Yes No No
Personal items
If damaged in an incident, or stolen from a locked car
Yes - Up to $1,000 No No
Replacing your vehicle after a total loss Age and kilometre limits apply Yes - Up to 3 years old No No
Trailer attached to your vehicle Yes - Up to $1,000 No No
Baby capsules and child seats paid in addition to the sum insured Yes No No
Emergency or temporary repairs Yes - Up to $800 Yes - Up to $800 No
Recoding of locks and barrels after theft of keys Yes - Up to $1,000 Yes - Up to $1,000 No
Choice of repairer Yes Yes Yes
Uninsured motorist damage
Not at-fault collision with an uninsured motorist
Yes - No limit Yes - Up to $5,000 Yes - Up to $5,000
Hire car after theft or attempted theft Yes - Up to 21 days Yes - Up to 21 days No
Optional hire car after an incident Yes - Up to 21 days No No
$30 million liability cover
Damage to another person’s property
Yes Yes Yes


This table is a summary of highlighted features and benefits only. Please refer to the CGU Motor Vehicle Insurance Product Disclosure Statement (PDS), Target Market Determinations and Policy for full terms and conditions.

Why insure with CGU?

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General insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Australian Mutual Bank Ltd ABN 93 087 650 726 acts under an agreement with the insurer. Any advice 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 the insurance policy, you should consider your personal circumstances and the relevant Product Disclosure Statement available on this website.