If you’ve been affected by the extreme weather, we can help. Call the CGU team anytime on 13 24 80 to make a claim.
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Comprehensive Plus1

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.

Includes

  • 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 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
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Comprehensive1

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

Includes

  • 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
Get a quote

Comprehensive Basics

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

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
  • Cover for baby capsules and baby seats if they’re stolen or damaged in an accident
Get a quote

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.

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)
Get a quote

Third Party, Fire & 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.

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)
Get a quote

These products are issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand. Read MyState Bank's Financial Services Guide (FSG) for more information.


Frequently Asked Questions

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.
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 current 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.

Resources

Car insurance product disclosure statement and policy

Learn more

Car insurance premium, excess and discounts guide

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Financial Services Guide (FSG)

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Are you under insured?

Learn more

Start a claim anytime

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FAQs

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.

MyState Bank Limited (MyState Bank) ABN 89 067 729 195 AFSL 240896 acts under its own AFSL and under an agreement with the insurance product issuer, Insurance Australia Limited (IAL) ABN 11 000 016 722 AFSL 227681 under the CGU brand. Read MyState Bank's Financial Services Guide (FSG) for more information. Consider the appropriateness of any product to your own circumstances, IALs normal underwriting, terms and conditions, acceptance criteria apply. Consider IALs Product Disclosure Statement (PDS) and Target Market Determinations before acquiring any product.

Neither MyState Bank, nor any of its related bodies corporate, accept liability or guarantee payment of any claim or benefit in respect of this insurance. A policy does not represent a deposit with, or a liability of, nor is guaranteed by either MyState Bank or any of its related bodies corporate.