Choosing insurance can be tricky, and we think it’s important to find a policy that works for you. Once you’ve worked out what you need, car insurance through CGU Insurance can help you rest easy knowing you have cover if something goes wrong.
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 QBANK. 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.
✓ 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.
Choose any repairer -Add an option to pick any licensed repairer to fix your car.
What you need to know:
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.
The information on this website 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 a product, you should consider your personal circumstances and the relevant Product Disclosure Statement, Premium, Excess and Discounts Guide and Target Market Determination.
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.
✓ 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.
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.
What you need to know:
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.
The information on this website 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 a product, you should consider your personal circumstances and the relevant Product Disclosure Statement, Premium, Excess and Discounts Guide and Target Market Determination.
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.
✓ Covers anyone you let drive your car.
✓ Theft, storm damage, fire & flood.
✓ Damage from an accident.
✓ Damage if you cause an accident.
✓ Cover your car if it’s stolen, vandalised, or damaged during a theft attempt.
✓ Taxi fare after an accident
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.
The information on this website 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 a product, you should consider your personal circumstances and the relevant Product Disclosure Statement, Premium, Excess and Discounts Guide and Target Market Determination.
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.
✓ 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).
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.
The information on this website 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 a product, you should consider your personal circumstances and the relevant Product Disclosure Statement, Premium, Excess and Discounts Guide and Target Market Determination.
Third Party Fire and 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.
✓ 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).
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.
The information on this website 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 a product, you should consider your personal circumstances and the relevant Product Disclosure Statement, Premium, Excess and Discounts Guide and Target Market Determination.
|
Cover |
Comprehensive Plus |
Comprehensive |
Comprehensive Basics |
Third Party Fire and Theft |
Third Party Property |
| Cover for loss or damage to Your Vehicle | For Accidental damage | For Accidental damage | For Accidental damages | 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 the Maximum of $5,000 only | ✓ up to the Market Value of Your Vehicle to the 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 | ✕ | ✕ | ✕ |
Car insurance premiums vary because we all have different circumstances and needs. For all the factors CGU consider, take a look at thePremium, Excess and Discounts Guide.
A car insurance claim is a request that you lodge to your car insurance provider when you have suffered damage or loss.
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.
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.
Our partner CGU is here for you anytime, any day. Call CGU's claims team 24 hours a day, 7 days a week on 13 24 80 to make a claim.
For more information on the claims process, visit CGU's claims website.
QPCU Limited T/A QBANK ABN 79 087 651 036, AFSL 241413 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand. Any advice provided 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 a product, you should consider your personal circumstances and the relevant Product Disclosure Statement, Premium, Excess and Discounts Guide and Target Market Determination.
