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In the Defence you spend your time protecting us, so let us help protect what’s important to you. We’ve partnered with CGU, part of one of Australia’s largest insurance companies, to offer a range of insurance products with flexible options, and value for money.

Insurance

Choosing the right insurance product doesn’t need to be difficult.

Loan
Features
24/7 claims
Quote online
Multi policy discount

Use the arrows to scroll through the many Australian Military Bank Insurance options RESET

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Home and Contents Insurance
Car Insurance
Travel Insurance
Landlord Insurance
Motorcycle Insurance
Barracks Insurance
Caravan Insurance
Boat Insurance
Trailer Insurance

Features

24/7 claims

Quote online

Multi policy discount

Cover for your home inside and out with combined Building and Contents Insurance

Yes

Yes

N/A

Choice of cover options to keep you on the road

Yes

Yes

N/A

Through our partnership with CGU, we can help organise a Cover-More Travel Insurance policy for your next trip.

Yes

Yes

N/A

Safeguard your investment with coverage against vandalism, fire, theft, and more.

Yes

Yes

N/A

New for old replacement for bikes written off in their first 2 years

Yes

N/A

N/A

Cover whilst in communal barracks and on deployment.

Yes

N/A

N/A

Cover for caravan damage, theft and towing

Yes

N/A

N/A

Cover for accidental damage, collision and towing

Yes

N/A

N/A

Cover for damage, theft and towing

Yes

N/A

N/A

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Trailer Insurance

Trailer Insurance 

Need your trailer to be ready when you are? CGU cover theft, damage, fire and more. 

Cover

for damage and theft

24/7

Claims

Option to pay

by the month

Overview 

 

Need your trailer to be ready when you are? CGU cover theft, damage, fire and more. 

 

Includes: 

  • New replacement - CGU can replace your trailer with a new one if it's written off in its first 2 years in an incident CGU cover (your trailer must have been new or a demonstration model when you bought it).1 
  • Fire and flood - You’re covered if your trailer is damaged by fire, storm, flood or tsunami. 
  • Emergency repairs - CGU covers you for agreed emergency repairs you need to make after an incident it covers, so that your trailer’s safe to tow (up to $800). 
  • Theft and damage - You’re covered if your trailer is vandalised, stolen or accidentally damaged. 
  • Towing and storage - CGU pays for towing to a repairer or safe place if your trailer is damaged and can’t be used after an incident it covers. CGU also pays reasonable storage costs for your trailer until it’s repaired or CGU settles your claim (whichever comes first). 

 

What you need to know: 

1 Conditions apply to this additional benefit, including that your trailer must weigh less than 3.5 tonne. 

 

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. 

 

View Product Disclosure Statement (PDS) 

View Premium, Excess & Discounts Guide (PED) 

View Target Market Determination (TMD) 

 

Call for a quote
Download a PDS

Inclusions 

 

What’s included: 

  • New replacement - CGU can replace your trailer with a new one if it's written off in its first 2 years in an incident CGU cover (your trailer must have been new or a demonstration model when you bought it).1 
  • Fire and flood - You’re covered if your trailer is damaged by fire, storm, flood or tsunami. 
  • Emergency repairs - CGU covers you for agreed emergency repairs you need to make after an incident it covers, so that your trailer’s safe to tow (up to $800). 
  • Theft and damage - You’re covered if your trailer is vandalised, stolen or accidentally damaged. 
  • Towing and storage - CGU pays for towing to a repairer or safe place if your trailer is damaged and can’t be used after an incident it covers. CGU also pays reasonable storage costs for your trailer until it’s repaired or CGU settles your claim (whichever comes first). 

 

What you need to know 

1 Conditions apply to this additional benefit, including that your trailer must weigh less than 3.5 tonne. 

 

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. 

 

Call for a quote
Download a PDS

Questions 

 

Here are our most common questions about our Trailer Insurance. Have a different question? Call us on 1300 13 23 28 to talk with one of our friendly team members. 
 

Do you offer flexible payment options?  

Yes, you can choose to pay fortnightly, monthly or quarterly at no extra cost.​ 

 

How do I make a claim?  

If you need to make a claim under your insurance, simply call CGU Claims on 13 24 80 to make a paperless claim. They’re available 24 hours a day, 7 days a week.  

 

Call for a quote
Download the PDS

Features
24/7 claims
Quote online
Multi policy discount

Use the arrows to scroll through the many Australian Military Bank Insurance options  RESET

Caravan Insurance New

Caravan Insurance 

Whether you’re touring around Australia or just enjoying a weekend getaway, our caravan insurance lets you relax and enjoy the break. 

Cover

for damage and theft

Liability

Insurance

24/7

Claims

Overview  

 

Enjoy peace of mind on your journey with coverage for accidents, theft, severe weather, and more. 

 

Includes:  

  • Accidents - Cover for your caravan if it's damaged in an accident. 
  • Fire, storm and flood - Cover for your caravan if it's damaged by fire, storm, flood or tsunami.1 
  • Towing - CGU pays for towing to a repairer or safe place if your caravan can't be used after an incident CGU covers 
  • Theft and vandalism - Cover for your caravan if it's stolen, vandalised or accidentally damaged. 
  • Caravan Contents - CGU covers items that are permanently kept in your caravan if they're damaged or stolen in an incident CGU covers (up to $1,000). 
  • Emergency repairs - CGU pays for repairs you need to make after an incident CGU covers so that your caravan's safe to use or tow (up to $800). 
  • New replacement - If your caravan's written off in its first two years, CGU tries to replace it with a similar new caravan. 
  • Storage costs - If your caravan can't be used after a covered incident, CGU will pay for storage until it's repaired or your claim is settled, whichever comes first. 
  • Food spoilage - Cover for spoiled food and prescription medicine up to $500 if a power outage causes your fridge to stop working. 
  • Temporary accommodation - If your holiday caravan can't be used after a covered incident and you're more than 100kms from home, CGU pays for temporary accommodation (up to $1,000). 
  • Liability cover - CGU covers your legal liability in certain situations if someone's injured or their property's damaged by your caravan (up to $20m).2 

 

Not included: 

There are some things CGU doesn't cover: 

Off-road use - Unless your caravan is designed for it, CGU doesn't cover damage from driving off-road. 

Wear and tear - CGU doesn't cover normal wear and tear that happens as you use your caravan. 

 

Optional benefits you can add when you get a quote: 

No excess for glass damage - Add an option to avoid paying an excess when your windscreen, window glass or sunroof is the only thing damaged in a covered incident (let CGU know and CGU will arrange the repairs). 

Lay up cover - By adding lay up cover you may reduce your premium (and the cover CGU provides) for an agreed time while you're not using your caravan. 

Motor burnout - Add cover for electric motor burnout in things like fridges and air conditioning units, including parts and labour.3  

 

What you need to know: 

1 CGU may not cover you for some severe weather events during an embargo period (which is usually when CGU knows a severe weather event is about to occur).  

2 CGU covers your legal liability for death or bodily injury to someone else, or loss or damage to someone else's property for an incident we cover. 

3 CGU can cover motors for up to 15 years after they were made. 

 

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. 

 

View Product Disclosure Statement (PDS) 

View Premium, Excess & Discounts Guide (PED) 

View Target Market Determination (TMD) 

 

To get a quote, call us on 1300 13 23 28 or visit your local branch. 

 

Call for a quote
Download a PDS

Inclusions 

 

What’s included:  

  • Accidents - Cover for your caravan if it's damaged in an accident. 
  • Fire, storm and flood - Cover for your caravan if it's damaged by fire, storm, flood or tsunami.1 
  • Towing - CGU pays for towing to a repairer or safe place if your caravan can't be used after an incident CGU covers 
  • Theft and vandalism - Cover for your caravan if it's stolen, vandalised or accidentally damaged. 
  • Caravan Contents - CGU covers items that are permanently kept in your caravan if they're damaged or stolen in an incident CGU covers (up to $1,000). 
  • Emergency repairs - CGU pays for repairs you need to make after an incident CGU covers so that your caravan's safe to use or tow (up to $800). 
  • New replacement - If your caravan's written off in its first two years, CGU tries to replace it with a similar new caravan. 
  • Storage costs - If your caravan can't be used after a covered incident, CGU will pay for storage until it's repaired or your claim is settled, whichever comes first. 
  • Food spoilage - Cover for spoiled food and prescription medicine up to $500 if a power outage causes your fridge to stop working. 
  • Temporary accommodation - If your holiday caravan can't be used after a covered incident and you're more than 100kms from home, CGU pays for temporary accommodation (up to $1,000). 
  • Liability cover - CGU covers your legal liability in certain situations if someone's injured or their property's damaged by your caravan (up to $20m).2 

 

Not included: 

There are some things CGU doesn't cover: 

Off-road use - Unless your caravan is designed for it, CGU doesn't cover damage from driving off-road. 

Wear and tear - CGU doesn't cover normal wear and tear that happens as you use your caravan. 

 

Optional benefits you can add when you get a quote: 

No excess for glass damage - Add an option to avoid paying an excess when your windscreen, window glass or sunroof is the only thing damaged in a covered incident (let CGU know and CGU will arrange the repairs). 

Lay up cover - By adding lay up cover you may reduce your premium (and the cover CGU provides) for an agreed time while you're not using your caravan. 

Motor burnout - Add cover for electric motor burnout in things like fridges and air conditioning units, including parts and labour.3  

 

What you need to know: 

1 CGU may not cover you for some severe weather events during an embargo period (which is usually when CGU knows a severe weather event is about to occur).  

2 CGU covers your legal liability for death or bodily injury to someone else, or loss or damage to someone else's property for an incident we cover. 

3 CGU can cover motors for up to 15 years after they were made. 

 

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. 

 

Call for a quote
Download a PDS

Questions 

 

Here are our most common of questions about our Caravan Insurance. Have a different question? Call us on 1300 13 23 28 to talk with one of our friendly team members. 

Is my caravan covered if I have an accident whilst towing it on the road? 
Yes, your caravan is covered if it’s involved in an accident on the road. 

 
If my caravan is damaged or stolen while we’re on holiday, am I covered for alternative accommodation costs? 

If your holiday caravan can't be used after a covered incident and you're more than 100kms from home, CGU pays for temporary accommodation (up to $1,000). 

 

Are the things inside my caravan covered? 

Caravan Insurance covers items that are permanently kept inside your caravan, like furniture, bedding and appliances. To cover items you take outside your caravan (like jewellery, phones and laptops), check out Home Contents Insurance. 

 

Can I use my caravan during the lay up period? 

CGU will cover your touring caravan during the lay up period if you've told CGU and CGU agrees to the use. You'll also need to pay any extra premium that applies. 

 

Do you offer flexible payment options?  

Yes, you can choose to pay fortnightly, monthly or quarterly at no extra cost.​ 

 

How do I make a claim?  

If you need to make a claim under your insurance, simply call CGU Claims on 13 24 80 to make a paperless claim. They’re available 24 hours a day, 7 days a week.  

 

Call for a quote
Download the PDS

Features
24/7 claims
Quote online
Multi policy discount

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Boat Insurance New

Boat Insurance 

Your boat might be your pride and joy, your weekend escape or even your place of residence. With CGU boat insurance, you can relax knowing that should anything happen, you’ll be back on the water as soon as possible. 

Cover

for damage

Cover

for towing or transport

Liability

cover

Overview 

 

What's included? 

  • Accidental damage - Cover your boat for loss or damage caused by accidental damage. 
  • Fire, storm and flood - Cover your boat for loss or damage caused by a fire, storm or flood.1 
  • Theft or attempted theft - Cover your boat for loss or damage caused by theft or attempted theft. 
  • Collision or Crash - Cover your boat for loss or damage resulting from collisions or crashes. 
  • Vandalism or a malicious act - Cover your boat for loss or damage caused by vandalism or a malicious act by someone else. 
  • Emergency repairs - CGU pay for emergency repairs to secure or drive your boat if it’s damaged in a covered event (up to $800). 
  • Hull inspection - If you need to check if there's loss or damage to your hull after an event we cover, CGU pay the reasonable cost of a hull inspection. 
  • Liability cover - Cover for up to $10 million for the liability of you or anyone with permission to control your boat, if its use causes property damage, death or injury to another person. 
  • Emergency transport and accommodation - If your boat can’t be driven or used after certain covered events (more than 100km from home), CGU pay for temporary accommodation and emergency transport (up to $1,000, on top of your agreed value). 
  • Towing - If an incident CGU covers causes loss or damage to your boat and it's unsafe for you to tow, CGU will pay to take your boat to a repairer or a safe place. This is paid on top of your agreed value. 

 

Choose from these optional benefits when you're getting a quote. 

  • Lay up cover - Add an option to reduce your premium by choosing lay up cover for up to 12 months while you're not using it. 
  • Liability cover for water skiing and floatation devices - Add an option to extend your liability cover to include cover for when your boat is towing a waterskier or a person on a floatation device. 
  • Racing Risk Extension - Add an option to cover your sailboat when you're racing it in certain events (less than 50 nm radius). 

 

What you need to know: 

1 CGU may not cover you for some severe weather events during an embargo period (which is usually when we know a severe weather event is about to occur). 

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. 

 

View Product Disclosure Statement (PDS) 

View Premium, Excess & Discounts Guide (PED) 

View Target Market Determination (TMD) 

 

To get a quote, call us on 1300 13 23 28 or visit your local branch. 

 

Call for a quote
Download a PDS

Inclusions

 

What's included? 

  • Accidental damage - Cover your boat for loss or damage caused by accidental damage. 
  • Fire, storm and flood - Cover your boat for loss or damage caused by a fire, storm or flood.1 
  • Theft or attempted theft - Cover your boat for loss or damage caused by theft or attempted theft. 
  • Collision or Crash - Cover your boat for loss or damage resulting from collisions or crashes. 
  • Vandalism or a malicious act - Cover your boat for loss or damage caused by vandalism or a malicious act by someone else. 
  • Emergency repairs - CGU pay for emergency repairs to secure or drive your boat if it’s damaged in a covered event (up to $800). 
  • Hull inspection - If you need to check if there's loss or damage to your hull after an event we cover, CGU pay the reasonable cost of a hull inspection. 
  • Liability cover - Cover for up to $10 million for the liability of you or anyone with permission to control your boat, if its use causes property damage, death or injury to another person. 
  • Emergency transport and accommodation - If your boat can’t be driven or used after certain covered events (more than 100km from home), CGU pay for temporary accommodation and emergency transport (up to $1,000, on top of your agreed value). 
  • Towing - If an incident CGU covers causes loss or damage to your boat and it's unsafe for you to tow, CGU will pay to take your boat to a repairer or a safe place. This is paid on top of your agreed value. 

 

Choose from these optional benefits when you're getting a quote. 

  • Lay up cover - Add an option to reduce your premium by choosing lay up cover for up to 12 months while you're not using it. 
  • Liability cover for water skiing and floatation devices - Add an option to extend your liability cover to include cover for when your boat is towing a waterskier or a person on a floatation device. 
  • Racing Risk Extension - Add an option to cover your sailboat when you're racing it in certain events (less than 50 nm radius). 

 

What you need to know: 

1 CGU may not cover you for some severe weather events during an embargo period (which is usually when we know a severe weather event is about to occur). 

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. 

 

Call for a quote
Download a PDS

Questions 

Here are our most common questions about our Boat Insurance. Have a different question? Call us on 1300 13 23 28 to talk with one of our friendly team members. 

 

Is my boat covered if I have an accident whilst on the water? 

Yes, you’ll be covered for accidents that occur on the water, whether or not you’re at fault.  

  

Is my boat covered if I have an accident on the road whilst towing my boat? 

Yes, you’ll be covered for accidents that occur on the road if your boat if being towed, whether or not you’re at fault. 

  

Will I have to pay an excess if the accident was not my fault? 

If it’s agreed that the accident was not your fault and we are provided with all the relevant documentation, you won’t be liable to pay an excess. Refer to the PDS for more information. 

  

Is all the equipment on my boat covered? 

You’ll be covered for any damage to the boat’s hull, accessories, masts, sails, rigging, motors (including control equipment) and tools supplied with your boat. 

  

Am I covered for recovery costs if my boat sinks? 

Yes, if your boat sinks and has to be recovered and transported for repairs, you’ll be covered for the costs associated. 

 

Do you offer flexible payment options?  

Yes, you can choose to pay fortnightly, monthly or quarterly at no extra cost.​ 

 

How do I make a claim?  

If you need to make a claim under your insurance, simply call CGU Claims on 13 24 80 to make a paperless claim. They’re available 24 hours a day, 7 days a week.  

 

Call for a quote
Download the PDS

Features
24/7 claims
Quote online
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Motorcycle Insurance

Motorcycle Insurance 

Whether you’re a motorcycle enthusiast, commuter or a weekend rider, with CGU Motorcycle Insurance you can relax and enjoy getting the ride. 

24/7

Claims

Option to pay

by the month

Range

of options

Overview

 

Comprehensive Motorcycle Insurance covers your motorcycle for things such as accidental damage, collision or crash, fire, flood, storm, theft or attempted theft, vandalism or a malicious act. 

CGU also covers any licensed rider who rides your motorcycle, even if they're not listed on your policy.1 

 

Includes: 

  • Collision or crash 
  • Accidental damage 
  • Theft or attempted theft 
  • Vandalism 
  • Storm 
  • Fire 
  • Flood 
  • Earthquake 
  • Emergency repairs (up to $800) after a covered incident 
  • New for new replacement on bikes written off in their first 2 years. 
  • Liability cover (up to $20 million) 
  • Tools of trade up to $1,500 (business use vehicles) after a covered incident 
  • Helmet replacement after a covered incident. 
  • Tsunami 

 

Optional Covers  

  • Option to cover a hire car after an incident, up to $75 a day for up to 21 days. 
  • Option to cover the cost to replace your protective clothing if it’s stolen from your motorcycle or damaged in an incident. 

 

What you need to know 

1 Cover is subject to standard underwriting guidelines and policy terms. Additional excesses apply for undisclosed drivers, including for drivers under 25. 

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. 

 

View Product Disclosure Statement (PDS) 

View Premium, Excess & Discounts Guide (PED) 

View Target Market Determination (TMD) 

 

To get a quote, call us on 1300 13 23 28 or visit your local branch. 

Call for a quote
Download a PDS

Compare

 

What’s included: 

  • Collision or crash 
  • Accidental damage 
  • Theft or attempted theft 
  • Vandalism 
  • Storm 
  • Fire 
  • Flood 
  • Earthquake 
  • Emergency repairs (up to $800) after a covered incident 
  • New for new replacement on bikes written off in their first 2 years. 
  • Liability cover (up to $20 million) 
  • Tools of trade up to $1,500 (business use vehicles) after a covered incident 
  • Helmet replacement after a covered incident. 
  • Tsunami 

 

Optional Covers  

  • Option to cover a hire car after an incident, up to $75 a day for up to 21 days. 
  • Option to cover the cost to replace your protective clothing if it’s stolen from your motorcycle or damaged in an incident. 

 

What you need to know 

1 Cover is subject to standard underwriting guidelines and policy terms. Additional excesses apply for undisclosed drivers, including for drivers under 25. 

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. 

Call for a quote
Download a PDS

Questions

Here are our most common questions about our Motorcycle Insurance. Have a different question? Call us on 1300 13 23 28 to talk with one of our friendly team members. 

 

Is my motorcycle covered everywhere in Australia? 

Yes, with Motorcycle Insurance you’ll be covered regardless of your location, wherever you are in Australia. 

 

Do you offer flexible payment options?  

Yes, you can choose to pay fortnightly, monthly or quarterly at no extra cost.​ 

 

How do I make a claim?  

If you need to make a claim under your insurance, simply call CGU Claims on 13 24 80 to make a paperless claim. They’re available 24 hours a day, 7 days a week.  

 

Do you guarantee repairs?  

CGU offers a lifetime guarantee on the workmanship of all authorised repairs, valid for as long as you own the motorcycle. 

 

Call for a quote
Download the PDS

Features
24/7 claims
Quote online
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Barracks Insurance

Barracks Insurance


Living on base is an essential part of your ADF journey. With CGU’s contents insurance you can cover your belongings while you are living in the barracks, including when deployed.1

New for old

replacement

Cover

whilst deployed

Option to pay

by the month

CGU's contents insurance can provide cover for a range of barracks room incidents like theft, fire, storm and vandalism. 
 

  • New for old contents replacement cover. 
  • Cover for up to 270 days for your belongings in the barracks while deployed.1 
  • Cover up to 30 days whilst relocating. 
  • Optional Valuable items cover. 
  • Automatically includes flood cover.2 
  • Flexibility to pay premiums by the month. 

 

What you need to know: 

1 To be covered whilst deployed, you must call and advise CGU and have it noted on your policy. 

2 CGU don’t cover actions of the sea, such as tides and waves. 

 

Excesses may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.  

 

View Product Disclosure Statement (PDS) 

View Key Facts Sheet - Contents 

View Target Market Determination (TMD) 

View Premium, Excess & Discounts Guide (PED) 

 

To get a quote, please call us on 1300 13 23 28. 

Call for a quote
Download the PDS

Inclusions

 

Cover Building  Contents 
Cover for loss or damage to Your Home and Contents  ✔ ✔
Accidental breakage of glass  ✔ ✔
Animal damage ✔ ✔
Deliberate or intentional act ✔ ✔
Earthquake ✔ ✔
Escape of water or liquid ✔ ✔
Explosion  ✔ ✔
Fire ✔ ✔
Flood or Rainwater Run-off ✔ ✔
Impact ✔ ✔
Lightning ✔ ✔
Riot or civil commotion ✔ ✔
Storm ✔ ✔
Storm Surge or tsunami ✔ ✔
Theft or attempted theft ✔ ✔
Accidental damage – at Your Home ✔ Optional
Electrical motor burnout ✔ Optional
Cover for liability ✔ ✔
Additional benefits    
Accidental damage for Contents in transit to new home ✘ ✔
Buying a new home ✘ ✔
Contents away from Your Home ✘ ✔
Contents in storage ✘ ✔
Contents in the open air ✘ ✔
Contents in transit ✘ ✔
Food spoilage ✔ ✘
Funeral expenses ✘ ✔
Identity theft ✘ ✔
Landscaping ✔ ✘
Locating the cause of damage ✔ ✘
Meeting building regulations ✔ ✘
Mortgage discharge costs ✔ ✘
Moving to a new home ✔ ✘
Owner fixtures – Strata scheme ✔ ✘
Professional and rebuilding fees ✔ ✘
Removal of debris ✔ ✔
Replacement of keys and locks ✔ ✘
Safety net ✘ ✔
Storage costs ✘ ✔
Students living away from Home ✘ ✔
Temporary accommodation ✘ ✔
Visitors’ belongings ✘ ✔
Optional benefits    
Accidental damage – at Your Home Automatically included Optional
Electrical motor burnout Automatically included Optional
Portable Contents – away from Your Home Optional Optional
Valuable Contents – inside Your Home Optional Optional

 

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.  

Call for a quote
Download the PDS

Questions

 

Here are the most common questions we get asked about Barracks Insurance. Have a different question? Call us on 1300 13 23 28 to talk to one of our friendly team members.

    
How long can I be covered for when I’m deployed?
If you’re away from your place of residence due to deployment, you’ll be covered for up to 270 days (upon application).
 

Am I covered if a personal belonging gets damaged whilst relocating between barracks?
Yes, your belongings are covered for up to 30 days whilst you’re relocating.
 

Is liability insurance included in my policy?
Yes, you’re covered for up to $30 million in liability insurance. 
 

If my belongings are damaged, will they be replaced with new items?
Yes, our Barracks Insurance includes new for old replacement. 
 

Do you offer flexible payment options?  
Yes, you can choose to pay fortnightly, monthly or quarterly at no extra cost.​ 

 

How do I make a claim?
To make a claim, just call 132294 and quote your policy number. If you need to make a claim under your insurance, simply call CGU Claims on 13 24 80 to make a paperless claim. They’re available 24 hours a day, 7 days a week. 

Call for a quote
Download the PDS

Features
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Quote online
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Landlord Insurance

Landlord Insurance

Renting out your property? Safeguard your investment with coverage against vandalism, fire, theft, and more.

24/7 online

claims

Theft

& vandalism³

Loss of

rent¹

Overview

 

  • Loss of rent during repairs​ If your building or contents are covered and your rental property is unliveable after a covered event, CGU will pay up to 12 months of lost rent.​1 
  • Furniture & furnishings​ Cover for loss or damage to furniture, furnishings and carpet in your property.2 
  • Theft & vandalism​ Cover for stolen items and damage to or from theft and vandalism, including stolen keys.3​ 
  • Flood, storm & storm surge​ Cover for loss or damage to your home and items caused by flood, rainwater run-off, storm, storm surge and tsunami.​4 
  • Fire​ Cover for loss and damage caused by fire (including bushfire). 
  • Damage from leaks​ Cover for loss or damage to your property caused by liquid leaks5 like from a burst pipe or broken heater. 

​ 

What you need to know: 

1 CGU cover either the weekly rent listed on your Certificate of Insurance, or the weekly rent in your rental agreement, whichever is less. A valid rental agreement is required.  

2 Under a Landlord ‘Contents’ policy, your furniture and furnishings are covered up to the contents insured amount. Under a Landlord ‘Building’ policy, if your property isn’t under a strata or similar scheme your furniture and furnishings are covered to up to 10% of the buildings insured amount.  

3 If theft or vandalism by tenant, CGU will deduct from your claim four times the weekly rent amount shown on your rental agreement, in addition to the standard excess. A valid rental agreement is required. No excess is payable for a claim made only under the ‘Replacement of keys and locks’ additional benefit.  

4 CGU don’t cover actions of the sea, such as tides and waves.  

5 CGU doesn’t cover damage caused by water leaking or escaping from a shower recess or shower base. CGU doesn't cover loss from erosion or other earth movements. CGU doesn't cover the costs to repair or replace the item that the liquid leaked or escaped from.   

 

Excesses may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement. 

 

 
To get a quote, click on the link below or call us on 1300 13 23 28.
Get a quote
Download a PDS

Benefits

 

Cover Building  Contents 
Cover for loss or damage to Your Home and Contents  ✔ ✔
Accidental breakage of glass  ✔ ✔
Animal damage ✔ ✔
Damage by occupant ✔; ✔
Deliberate or intentional act ✔ ✔
Earthquake ✔ ✔
Escape of water or liquid ✔ ✔
Explosion  ✔ ✔
Fire ✔ ✔
Flood or Rainwater Run-off ✔ ✔
Impact ✔ ✔
Lightning ✔ ✔
Riot or civil commotion ✔ ✔
Storm ✔ ✔
Storm Surge or tsunami ✔ ✔
Theft by Tenant ✔ ✔
Theft or attempted theft ✔ ✔
Cover for liability ✔ ✔
Additional benefits    
Abandoned possessions ✔ ✔
Contents in the open air ✘ ✔
Landlord furniture and furnishings – non-Strata scheme ✔ ✘
Landlord fixtures – Strata scheme ✘ ✔
Landscaping ✔ ✘
Locating the cause of damage ✔ ✘
Loss of rent ✔ ✔
Meeting building regulations ✔ ✘
Mortgage discharge costs ✔ ✘
Professional and rebuilding fees ✔ ✘
Removal of debris ✔ ✔
Replacement of keys and locks ✔ ✘
Storage costs ✘ ✔
Optional benefits    
Rent default Optional Optional
Safety net Optional ✘

 

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.  

Get a quote
Download a PDS

Questions

 

Here are the our most common questions about our Landlord Insurance policies. Have a different question? Call us on 1300 13 23 28 to talk to one of our friendly team members. 

    

Am I covered if my tenant damages my property or contents?    
Yes, you’re covered if your tenant or their guest vandalises your property or intentionally causes loss or damage. You and your tenant must have a valid rental agreement. Your policy doesn't cover damage resulting from wear and tear. For more information, please refer to the Product Disclosure Statement.

 

Can I insure for more than your online building and contents calculator says?  
Yes, you can. The calculation provided is just a guide. It's your responsibility to ensure your home is insured for its full replacement value. However, if you insure your home or contents for more than the cost to repair, replace, or rebuild, CGU will only pay the actual cost of repairing, replacing, or rebuilding.  

 

Can I choose my own repairer for my home repairs?
Yes, you can choose who repairs your home. However, if you decide not to use one of CGU’s partner repairers, they won't be able to guarantee the workmanship or repairs that are completed, nor assist in managing the repairer regarding timeframes or quality. CGU will also only pay you the fair and reasonable amount that the repairs should cost. 

 

Do you offer flexible payment options?  
Yes, you can choose to pay fortnightly, monthly or quarterly at no extra cost.​ 

 

How do I make a claim?  
If you need to make a claim under your insurance, simply call CGU Claims on 13 24 80 to make a paperless claim. They’re available 24 hours a day, 7 days a week. 

 

Do you guarantee repairs?  
CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home.  

Get a quote
Download the PDS

Features
24/7 claims
Quote online
Multi policy discount

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Car Insurance

Car Insurance


Your car might be your pride and joy, your daily commute, your weekend escape or just your little run-around. With CGU's car insurance, you can relax and enjoy the drive.

 

24/7 online

claims

Range of

levels of cover

Option to pay

by the month

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.​ 

​ 

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.​ 

 

 
To get a quote, click on the link below or call us on 1300 13 23 28.
Get a Quote
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Cover Comprehensive Plus Comprehensive Comprehensive Basic Third Party Fire & 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 repairer option  Optional  Optional  ✘ ✘ ✘

 

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.    

Get a Quote
Download the PDS

Questions

 

Here are our most common questions about our Car Insurance policies. Have a different question? Call us on 1300 13 23 28 to talk to one of our friendly team members.

How much is car insurance?​ 
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.​   

 

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.​ 

 

What is an excess in car insurance?​ 
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.​ 

 

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.​ 

 

Do you offer flexible payment options?  
Yes, you can choose to pay fortnightly, monthly or quarterly at no extra cost.​ 

 

How can I make a claim?
If you need to make a claim under your insurance, simply call CGU Claims on 13 24 80 to make a paperless claim. They’re available 24 hours a day, 7 days a week. You can also submit a car insurance claim online here.

 

Do you guarantee repairs?  
CGU offers a lifetime guarantee on the workmanship of all authorised repairs, valid for as long as you own the car.​ 
 


How do I update the details on my policy?
To update the details on your policy, simply call CGU on 132294.

 

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.​

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Download the PDS

Features
24/7 claims
Quote online
Multi policy discount

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Home Insurance

Home Insurance


You work hard to make your house a home – so let us help you protect it. We have different insurance options so you can find the right level of cover for your home and belongings

24/7 online

claims

Cover for

theft & vandalism

Cover for

storms and floods¹

Covers

Building and Contents Insurance  

Help to protect your home inside and out with combined Building and Contents Insurance.  

Your buildings and items will be covered for a range of incidents. Plus, CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home.  

 

Includes  

  • Theft & vandalism​ Cover for stolen items and damage to your items from robbery and vandalism, including stolen keys.​ 
  • Flood, storm & storm surge​ Cover for loss or damage to your home and items caused by flood, rainwater run-off, storm, storm surge and tsunami.​1 
  • Rebuilding your home​ CGU pays to repair or rebuild your home up to the insured amount if it’s damaged by a covered event.​​​ 
  • Fire​ Cover for loss and damage to your home and items caused by fire (including bushfire). 
  • Temporary accommodation​ If your home can't be lived in after a covered event, CGU pays for temporary accommodation.​2.​  
  • ​​Visitors' belongings Cover for your visitors' items (except money) if they're damaged by a covered event in your home (up to $2,500).​​ 
  • Liability for injury or damage​​ Cover for your legal liability in some situations if someone’s injured or their property’s damaged (up to $20m).3 

 

Optional Cover 

  • Accidental damage​ Add cover for damage to buildings, fixtures and your belongings from unintentional mishaps around your home.4​  
  • Valuable contents​ Increase your cover for some items in your home like art, jewellery and collectables.​ 
  • Motor burnout​ Add cover for electric motor burnout5 in fixtures (like air con) and appliances (like washing machines), including parts and labour.​ 
  • Portable contents​ Choose to cover items like glasses, jewellery, laptops and mobile phones when you take them outside your home.6​ 

 

If you’re looking for the highest level of cover, choose Building & Contents Plus when you’re getting a quote. It gives you a Safety Net of an extra 25% on top of your sum insured, if your home needs to be rebuilt or repaired.​ Plus, 2 years’ temporary accommodation if you can’t live in your home, instead of 12 months with Building and Contents Insurance Standard.​ Plus, higher limits on some inclusions, like food spoilage and landscaping.​ Read the Product Disclosure Statement to see exactly what’s included. ​ 

 

Building Insurance  

Cover your home with Building Insurance.  

If your home is damaged or destroyed by a covered incident, CGU will cover the cost to repair or rebuild it, up to the sum insured.  
Additionally, if you can't live in your home due to damage from a covered incident, CGU help cover the costs of temporary accommodation for up to a year.  

For more comprehensive coverage, consider choosing Building Plus when you get a quote. 

 

Includes  

  • Theft & vandalism​ Cover damage to your home from robbery and vandalism, including stolen keys.​ 
  • Flood, storm & storm surge​ Cover for damage to your home caused by flood, rainwater run-off, storm, storm surge and tsunami.​1​​ 
  • Rebuilding your home​ CGU pays to repair or rebuild your home up to the insured amount if it’s damaged by a covered event.​​​ 
  • Fire​ Cover for loss and damage to your home caused by fire (including bushfire).  
  • Temporary accommodation​ If your home can't be lived in after a covered event, CGU pays for temporary accommodation.​7 
  • Liability for injury or damage​​ Cover for your legal liability in some situations if someone’s injured or their property’s damaged (up to $20m).8 

​ 

Optional Cover 

  • Accidental damage​ Add cover for damage to your home from unintentional mishaps, like putting a hole in the wall while moving furniture.​ 
  • Motor burnout​ Add cover for electric motor burnout in fixtures and permanently fixed appliances like air con and dishwashers, including parts and labour.4 

 

If you’re looking for the highest level of cover, choose Building Plus when you’re getting a quote. It gives you a Safety Net of an extra 25% on top of your sum insured, if your home needs to be rebuilt or repaired.​ Plus, 2 years’ temporary accommodation if you can’t live in your home, instead of 12 months with Building Insurance Standard.​ Plus, higher limits on some inclusions, like landscaping.​ Read the Product Disclosure Statement to see exactly what’s included. ​ 

 

Contents Insurance 

Get cover for items in your home, even if you accidentally leave a window or door unlocked.  

Additionally, you can add a portable contents option to cover items like laptops or jewellery that might get lost or stolen when you're out and about.  

For premium contents cover, choose Contents Plus when you're getting a quote. 

 

Includes  

  • Theft & vandalism​ Cover for stolen items and damage to your items from robbery and vandalism, including stolen keys.​ 
  • Flood, storm & storm surge​ Cover for loss or damage to your items caused by flood, rainwater run-off, storm, storm surge and tsunami.​1​​ 
  • Fire​ Cover for loss and damage to your items caused by fire (including bushfire). 
  • Temporary accommodation​ If your home can't be lived in after a covered event, CGU pays for temporary accommodation.​9 
  • No excess for food spoilage​ - If your fridge stops working after a covered event, CGU will pay for spoiled food and prescription medicine.10 

​ 

Optional Cover 

  • Accidental damage​ Add cover for damage to your items from unintentional mishaps in your home.4​  
  • Valuable contents​ Increase your cover for some items in your home like art, jewellery and collectables.​ 
  • Motor burnout​ Add cover for electric motor burnout5 in appliances (like washing machines), including parts and labour.​ 
  • Portable contents​ Choose to cover items like glasses, jewellery, laptops and mobile phones when you take them outside your home.6​ 

 

If you’re looking for the highest level of cover, choose Contents Plus when you’re getting a quote. It gives you 2 years’ temporary accommodation if you can’t live in your home, instead of 12 months with Contents Insurance Standard.​ Plus, motor burnout and accidental damage automatically included. Plus, higher limits on some inclusions, like food spoilage and landscaping. Read the Product Disclosure Statement to see exactly what’s included. 

 

What you need to know: 

1 CGU don’t cover actions of the sea, such as tides and waves.  

2 If you have Contents Insurance, and you're renting the home (a tenant), CGU pays the reasonable extra rent costs for temporary accommodation. If you own and live in your home (and it's part of a strata or similar scheme),CGU cover the reasonable costs of temporary accommodation. If you have Building Insurance with CGU Insurance, and you own and live in your home, CGU covers the costs for temporary accommodation that CGU agrees are reasonable and appropriate for you. Additional limits, exclusions and conditions apply. 

3 Cover applies if the incident happens at your home (under Building insurance), and away from your home but still in Australia (under Contents insurance).  

4 CGU doesn't cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use.   

5 CGU cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.   

6 Portable items are covered for loss, theft and accidental damage. Cover is up to $10,000 for each item unless you list it separately for more. There are other limits for items taken outside Australia or New Zealand, check the PDS. CGU don’t cover scratches and dents or items being cleaned or repaired. CGU doesn’t cover fishing equipment, sporting equipment, drones, musical instruments or firearms while they’re in use. CGU doesn’t cover bicycles while they’re being used in a competitive race or time trial.   

What you need to know: 

7 If you have Building Insurance with CGU Insurance, and you own and live in your home, CGU covers the costs for temporary accommodation that CGU agrees are reasonable and appropriate for you. Additional limits, exclusions and conditions apply. 

8 Cover applies if the incident happens at your home (under Building insurance). 

9 If you have Contents Insurance, and you're renting the home (a tenant), CGU pays the reasonable extra rent costs for temporary accommodation. If you own and live in your home (and it's part of a strata or similar scheme),CGU cover the reasonable costs of temporary accommodation. 

10 CGU pays up to $500 for Contents Standard, or up to $2,000 with Contents Plus.  

Excesses may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.

 

 
To get a quote, click on the link below or call us on 1300 13 23 28.

 

Get a quote
Download the PDS

Compare

 

Cover Building Plus Contents Plus Building Standard Contents Standard
Cover for loss or damage to Your Home and Contents  ✔ ✔ ✔ ✔
Accidental breakage of glass  ✔ ✔ ✔ ✔
Animal damage ✔ ✔ ✔ ✔
Deliberate or intentional act ✔ ✔ ✔ ✔
Earthquake ✔ ✔ ✔ ✔
Escape of water or liquid ✔ ✔ ✔ ✔
Explosion  ✔ ✔ ✔ ✔
Fire ✔ ✔ ✔ ✔
Flood or Rainwater Run-off ✔ ✔ ✔ ✔
Impact ✔ ✔ ✔ ✔
Lightning ✔ ✔ ✔ ✔
Riot or civil commotion ✔ ✔ ✔ ✔
Storm ✔ ✔ ✔ ✔
Storm Surge or tsunami ✔ ✔ ✔ ✔
Theft or attempted theft ✔ ✔ ✔ ✔
Accidental damage – at Your Home ✔ ✔ Optional Optional
Electrical motor burnout ✔ ✔ Optional Optional
Cover for liability ✔ ✔ ✔ ✔
Additional benefits        
Accidental damage for Contents in transit to new home ✘ ✔ ✘ ✔
Buying a new home ✔ ✘ ✔ ✘
Contents away from Your Home ✘ ✔ ✘ ✔
Contents in storage ✘ ✔ ✘ ✔
Contents in the open air ✘ ✔ ✘ ✔
Contents in transit ✘ ✔ ✘ ✔
Food spoilage ✘ ✔ ✘ ✔
Funeral expenses ✔ ✔ ✔ ✔
Identity theft ✘ ✔ ✘ ✔
Landscaping ✔ ✘ ✔ ✘
Locating the cause of damage ✔ ✘ ✔ ✘
Meeting building regulations ✔ ✘ ✔ ✘
Mortgage discharge costs ✔ ✘ ✔ ✘
Moving to a new home ✘ ✔ ✘ ✔
Owner fixtures – Strata scheme  ✘ ✔ ✘ ✔
Professional and rebuilding fees ✔ ✘ ✔ ✘
Removal of debris ✔ ✔ ✔ ✔
Replacement of keys and locks ✔ ✔ ✔ ✔
Safety net ✔ ✘ ✘ ✘
Storage costs ✘ ✔ ✘ ✔
Students living away from Home ✘ ✔ ✘ ✔
Temporary accommodation ✘ ✔ ✘ ✔
Visitors’ belongings ✔ ✔ ✔ ✔
Optional benefits        
Accidental damage – at Your Home Automatically included  Automatically included  Optional Optional
Electrical motor burnout Automatically included  Automatically included  Optional Optional
Portable Contents – away from Your Home ✘ Optional ✘ Optional
Valuable Contents – inside Your Home ✘ Optional ✘ Optional

 

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.  

Get a quote
Download the PDS

Questions

 

Here are our most common questions about our Home Insurance policies. Have a different question? Call us on 1300 13 23 28 to talk with one of our friendly team members. 
    

Can I insure for more than your online building and contents calculator says?  
Yes, you can. The calculation provided is just a guide. It's your responsibility to ensure your home is insured for its full replacement value. However, if you insure your home or contents for more than the cost to repair, replace, or rebuild, CGU will only pay the actual cost of repairing, replacing, or rebuilding.  

 

What is Accidental Damage Cover in my Home Insurance policy?  
Accidental damage cover protects you when unexpected mishaps occur around your home. For instance, it would cover you if your child accidentally knocked over the TV and broke the screen, or if you accidentally put your foot through the ceiling while in the roof. Whether your building, contents, or both are covered depends on your policy. Accidental damage cover can be added as an optional benefit to your Building Standard policy. If you upgrade to Building Plus, it’s automatically included. 

 

Can I choose my own repairer for my home repairs?
Yes, you can choose who repairs your home. However, if you decide not to use one of CGU’s partner repairers, they won't be able to guarantee the workmanship or repairs that are completed, nor assist in managing the repairer regarding timeframes or quality. CGU will also only pay you the fair and reasonable amount that the repairs should cost. 

 

What is the difference between General, Valuable, and Portable Contents. 
General Contents: These are items you keep in and around your home that aren't permanently attached to the structure, like furniture.

Valuable Contents: These are part of your general contents but have a coverage limit of $2,500 in total for all items in the following categories: Works of art – Collections  -Jewellery and watches. You can insure items in these categories for higher amounts by opting for Valuable contents as an additional benefit.

Portable Contents: These are items that you or your family can take outside of your home. Coverage for these items is only available if you choose Portable contents as an optional benefit. 

 

I'm placing some contents items in storage, how do I ensure that my items are covered?
General contents held in storage can be covered under Home Insurance policy if you inform CGU before moving your items into storage and if CGU's acceptance criteria are met. Refer to the Product Disclosure Statement for information on items not covered while in storage. Please note that Valuable Contents are not covered while in storage.

 

Do you guarantee repairs? 
CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home. 

 

Do you offer flexible payment options?  
Yes, you can choose to pay fortnightly, monthly or quarterly at no extra cost.​ 

 

How do I make a claim?  
If you need to make a claim under your insurance, simply call CGU Claims on 13 24 80 to make a paperless claim. They’re available 24 hours a day, 7 days a week. You can also submit a home insurance claim online here. 

Get a quote
Download the PDS

Features
24/7 claims
Quote online
Multi policy discount

Use the arrows to scroll through the many Australian Military Bank Insurance options  RESET

"Just wanted to say thankyou to the lovely staff at Holsworthy branch. We recently changed to Australian Military Bank from the other defence choice whom we were with for 15+ yrs and refused to be competitive and left us with limited options on our finances. These ladies were friendly incredibly accomodating despite our crazy work schedules and did the best rate available for my family. THANKYOU"
Tamara, NSW - member since 2017
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