Comprehensive Car Insurance
Love your car? You’ll love our comprehensive cover
Whether you’ve saved every penny for the car of your dreams or simply want the reassurance that you won’t face big bills in the event of an accident, you’ll love our Comprehensive Car Insurance. Our most popular level of car cover comes with a range of optional extras to make it easier than ever for you to shape your car insurance to your lifestyle – and get back on the road again faster.
It’s called comprehensive for a reason
You’re covered for accidental damage, malicious damage, theft, fire, flood or storm; as well as any damage caused to another person’s vehicle or property.`
$30 million liability cover
Looking for total peace of mind? Find it with our extensive liability cover.
Is a learner driver covered on my car insurance?
So even when the L plates are on, your car insurance counts.
If you’ve chosen one of our Nominated Driver policies under your Comprehensive Car Insurance cover, the learner driver must be accompanied by a fully licensed driver aged 25 years or more.
Please refer to the Product Disclosure Statement (PDS) for full terms and conditions.
What is comprehensive car insurance?
With comprehensive insurance, you’re covered for everything from a car crash to a hail storm (note: some exclusions apply – please refer to the PDS for terms and conditions).
At CGU, your comprehensive car insurance policy covers your car for accidental loss or damage, malicious damage, theft, fire, flood or storm. It also covers your liability for any damage you cause to another person’s vehicle or property.
Then, there are all the added features that come with CGU comprehensive car insurance, like:
- Uninsured motorist damage
- No-claim bonus protection
- Vehicle replacement after a write-off (conditions apply)
- Hire car after theft
- $30m liability cover
- Optional windscreen cover
- Trailer cover
- Emergency or transport repairs
- Towing and transport
- Removal of debris
- Personal items
- Re-coding of locks and barrels after theft of keys
- Baby capsules and car child seats
- Storage costs
To fully understand exactly what you’re covered for, please read the Product Disclosure Statement (PDS) .
How much does comprehensive car insurance cost?
The cost of your comprehensive car insurance policy depends on a range of factors, including your age, location, driving history, your vehicle’s make and model, and whether you keep your car in a garage or not.
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.
Is my car covered when someone else drives?
This depends on the type of comprehensive car insurance policy you’ve chosen (there are three to choose from).
With our standard Motor Vehicle Insurance Policy, your car is covered no matter who is behind the wheel, some exclusions apply so please refer to the PDS.
With our two 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 unsure give us a call on 13 24 81.
Understanding your comprehensive car insurance quote