Home  >  Insurance  >  Car Insurance

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

Comprehensive Car Insurance FAQs

1What are my payment options?
We make it easy for you to pay your premiums. With our EasyPay insurance options you can pay your Motor Vehicle Insurance premiums monthly from your selected account. That means you’ll avoid those once-a-year payments and you won’t have to keep track of different renewal dates. You can also add or amend your cover anytime and, best of all, pay-by-the-month at no extra cost. Of course, if you’d prefer to pay your Motor Vehicle Insurance premiums annually, you can, the choice is yours.
2Is my car covered when someone else drives?

This depends on the policy you’ve chosen.

With our standard Motor Vehicle Insurance Policy, your car is covered no matter who’s behind the wheel (note: some exclusions apply).

With our Nominated Driver policies, drivers under 25 years of age aren’t covered (except for learner drivers accompanied by a fully licensed driver aged 25 years or more). Anyone that’s not listed on your policy will incur a higher excess in the event of a claim, too.

It’s a good idea to read the Product Disclosure Statement (PDS) before letting someone else drive your car or if you’re not sure give us a call on 138 001.

3How much is car insurance?

The cost of car insurance depends on a range of factors, from the type of car you drive to whether you’ve had an accident in the past.

There are ways you can lower the cost of your insurance. For example, you can nominate two drivers to be covered on your policy, or you can choose a policy that restricts how far you drive each year.

The best way to answer this question is to complete a quick quote. You’ll have an answer in 3 minutes.

4How to make an insurance claim?

We want to make it as simple as possible for you to make a claim. Call CGU 24/7 on 13 24 80 with the following details:

  • Your policy number or personal contact details
  • Contact details of anyone else involved in the incident (get their name, address, vehicle rego, phone number and insurance details if possible)
  • Any letters or court documents about the incident, including an incident report number from the police


During the claims process, you can choose how and when we contact you. In most cases, you’ll deal with a dedicated claims specialist.

5What type of car insurance do i need?

This depends on a few things. If you want absolute peace of mind that you’re covered for all costs if you have an accident, then you can’t go past Comprehensive Car Insurance with all of its optional extras. Comprehensive Car Insurance is our most popular cover.

If your car isn’t worth much, then you may want a more cost-effective policy. Our two Third Party policies include $30m liability cover and uninsured motorist damage – giving you peace of mind that you won’t face big bills after an accident.

If you’re not sure which cover you need, you could speak to an insurance adviser by calling 138 001 or visiting a branch.

We’re here to help

With over 50 years experience our local, friendly staff can help you find what you're looking for.

1 - Conditions, limitations and exclusions apply.

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 ABN 11 000 016 722 (IAL) trading as CGU Insurance. 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) available at mystate.com.au.

Open account in minutes