Covers

Comprehensive Plus​ 

Comprehensive Plus is the top-tier insurance policy CGU offers. Providing coverage for a range of events, including damage from fire, theft, weather, and collisions. ​ 

Comprehensive Plus is the top-tier insurance policy you can purchase through us. Providing coverage for a range of events, including damage from fire, theft, weather, and collisions. ​ 

Unlike Comprehensive Basics and Comprehensive policies, this policy includes extras such as a hire car after an accident and $0 excess on glass repairs. ​ 

Additionally, it provides higher value limits for certain coverages. For example, it covers up to $250 for a taxi fare from the scene of an accident or to an authorised repairer, which is higher than the limit included in the Comprehensive policy. For detailed terms, conditions, limitations, and exclusions, please refer to the Product Disclosure Statement.​ 

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Includes ​ 

• If your new car is written off in its first three years, CGU tries to replace it with a similar new car.​1 
• 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 cover​​​ 
• 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​ 

Comprehensive Car Insurance policy provides coverage for a range of insured events, including damage from fire, theft, weather, and collisions. ​ 

It 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. 

Includes ​ 

• If your new car is written off in its first two years, CGU tries to replace it with a similar new car.​1 
• 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 cover.​ 

​Comprehensive Basics​ 

Comprehensive Basics Car Insurance is an entry-level policy that provides essential coverage. ​ 

It protects your car from damage caused by collisions, fire, theft, and adverse weather conditions. Additionally, it covers any damage your car may cause to other people’s vehicles and property.​ As an entry-level option, this policy does not include optional extras. ​ 

If you need features like a hire car or $0 glass excess, you might want to consider Comprehensive or Comprehensive Plus policies. ​ 

Includes ​ 

• 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, Fire and Theft 

Third Party Fire & Theft Insurance helps cover costs if your car is stolen, catches fire, or is damaged by an uninsured driver. It also provides coverage for damage you cause to other people's vehicles and property in an accident.  

This insurance includes all the benefits of Third Party Property Damage Insurance, with added protection for fire and theft. This summary outlines the differences between car insurance options. For detailed terms, conditions, limitations, and exclusions, please refer to our Product Disclosure Statement. 

Includes  

• 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) 
• Cover 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) 

Third Party Property Damage 

Third Party Property Damage Insurance covers the cost of damage you cause to other people's vehicles or property in an accident. ​ 
Additionally, if an uninsured driver damages your car, you're covered up to $5,000. ​ 

For extra protection against theft or fire, consider Third Party Fire & Theft Insurance. ​ 

This summary highlights the differences between car insurance options. For detailed terms, conditions, limitations, and exclusions, please refer to our Product Disclosure Statement.​ 

Includes  

• 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) 

What you need to know:​ 

1 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.​