CGU Motor Insurance

There are three basic forms of cover for car insurance provided herein however a number of variations which are tailored for each person's crircumstances and budget.

Below are links to the basic forms of coverage:
Comprehensive Car Insurance
Fire, Theft & Third Party Property Damage Car Insurance
Third Party Property Damage Only Car Insurance

The car insurance policies give you the freedom to choose the most appropriate cover to suite your needs. You can choose the type of policy and the level of cover needed.

Learn more about the three car insurance policies:

  • Car Insurance - if your car is normally driven by more than two authorised people.
  • Nominated Driver Car Insurance - if your car is normally driven by only one or two people, this policy offers a discount on the premium.
  • Nominated Driver Low Kilometre Car Insurance - if your car is normally driven by only one or two people AND is driven less than 10,000 kilometres a year, this policy offers an even larger discount on the premium.

CGU Nominated Drivers Car Insurance

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Comprehensive Car Insurance
Fire, Theft & Third Party Property Damage Car Insurance
Third Party Property Damage Only Car Insurance

This innovative policy option, which is particularly suited to young families, provides a discounted premium if your car is normally driven by only one or two people (and not by anyone under 25). To be entitled to this discounted cover, you need to nominate these drivers, one of whom must be an owner of the vehicle.

If a driver other than the nominated drivers has an accident, the total excess otherwise payable would be doubled, unless the driver is under 25. No cover is provided for drivers under 25 years of age - with the exception of a medical emergency, where an injury or illness places their life at risk.

CGU also provides cover while your car is being repaired, serviced, tested or being parked by an attendant. This benefit also applies to drivers under 25 years of age.

The CGU Nominated Driver Car Insurance policy is available with the choice of all three levels of cover:

  • Comprehensive
  • Fire Theft & Third party property damage
  • Third party damage
  • Nominated Driver Low Kilometre Car Insurance - if your car is normally driven by only one or two people AND is driven less than 10,000 kilometres a year, this policy offers an even larger discount on the premium.

CGU Nominated Driver 'Low Kilometre' Car Insurance

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Comprehensive Car Insurance
Fire, Theft & Third Party Property Damage Car Insurance
Third Party Property Damage Only Car Insurance

This policy option, which is particularly suited to either retired couples or families with a second car, provides car owners with a generous premium discount. This discount applies if the insured car is driven less than 10,000 kilometres a year and normally driven by only one or two people. This cover does not apply to drivers under the age of 25, and is not available in Tasmania.

To be entitled to this discount, you need to nominate one or two drivers for your car, one of whom must be an owner of the vehicle.

If a driver other than the nominated drivers has an accident, the total excess otherwise payable would be doubled, unless the driver is under 25. No cover is provided for drivers under 25 years of age - with the exception of a medical emergency, where an injury or illness places their life at risk.

CGU also provides cover while your car is being repaired, serviced, tested or being parked by an attendant. This feature also applies to drivers under 25 years of age.

The CGU Nominated Driver Low Kilometre Car Insurance policy is only available with Comprehensive cover.

For a detailed explanation click on each of the coverage options below:

Comprehensive Car Insurance
Fire, Theft & Third Party Property Damage Car Insurance
Third Party Property Damage Only Car Insurance

CGU Comprehensive Car Insurance

 

 

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Comprehensive Car Insurance
Fire, Theft & Third Party Property Damage Car Insurance
Third Party Property Damage Only Car Insurance

For the car owner who wants our top insurance cover option. Cover provides for loss or damage to your car, including legal liability for loss or damage to another person's property.

We also offer two discounted premiums:

  • CGU Nominated Driver Car Insurance - if your car is normally driven by only one or two people.
  • CGU Nominated Driver Low Kilometre Car Insurance - if your car is normally driven by only one or two people AND is driven less than 10,000 kilometres a year, this policy offers an even larger discount on the premium.

Comprehensive cover features - (for full details refer policy wording)

  • No claims discount
  • Maximum no claims nonus protection
  • Faultless no claim bonus
  • Policy excess
  • Faultless excess
  • Market or agreed value
  • New car replacement
  • 14 day car hire
  • 14 day automatic cover
  • $20 million liability cover
  • Windscreen cover option
  • Trailer cover
  • Vehicle return
  • Emergency repairs
  • Towing
  • Personal property
  • Accommodation or transport home

CGU Fire, Theft & Third Party Property Damage Car Insurance

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Comprehensive Car Insurance
Fire, Theft & Third Party Property Damage Car Insurance
Third Party Property Damage Only Car Insurance


This cover only insures some of the things that can happen to your vehicle. It's for car owners who are confident in their driving ability (or of those who may use the car), but want peace of mind protection against damage to another person's property. This cover also covers the insured car against damage caused by fire or theft.

Cover features - (for full details refer policy wording)

  • Uninsured third party driver protection
  • 14 day car hire
  • 14 day automatic cover
  • $20 million liability cover
  • Trailer cover
  • Vehicle return
  • Emergency repairs
  • Towing
  • Policy excess

CGU Third Party Property Damage Only Car Insurance

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Comprehensive Car Insurance
Fire, Theft & Third Party Property Damage Car Insurance
Third Party Property Damage Only Car Insurance

For car owners who are confident in their driving ability (or of those who may use the car), but want peace of mind protection for damage to another person's property.

Cover features - (for full details refer policy wording)

  • Uninsured third party driver protection
  • 14 day automatic cover
  • $20 million liability cover
  • Policy excess

Important note - Before proceeding make sure you have read and understood the:

Call Centre Number

If you would like to obtain a quote via telephone, please call us on:

1300 667 208

Online Quote with CGU Insurance

If you would like to obtain a quote via the world wide web, please use the following link.

Online Quote