Car insurance
Cover you can depend on, wherever you go.
Key benefits
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Five levels of cover: Comprehensive Plus, Comprehensive, Comprehensive Basics, Third Party Fire and Theft, and Third Party Property Damage
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Fortnightly, monthly, quarterly or annual payments available at no extra cost
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Choice of market or agreed value
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A trusted repairer network
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Support from a dedicated South Australian support team
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Over 165 years of trust
Product overview
When it comes to your car, sometimes things can go wrong. That’s why having protection can help. CGU's range of car insurance policies can cover common types of theft, loss or damage. And with a range of extra benefits that you can choose to add on or leave out, you’ll only pay for what you want. Plus, there's a quick claims process if you need it.
Comprehensive Plus
Our top-tier insurance policy.
- 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 covers
- Cover for baby capsules and child 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.
Comprehensive
Our most popular policy.
- 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 child 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.
- $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 incident CGU covers - Add an option to get a hire car or alternative transport if your car can’t be driven after any incident CGU covers.
Comprehensive Basics
Our entry-level policy.
- 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
Third party options
Third Party Property Damage
- 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)
Third Party Fire and Theft
- 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)
- Covers 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 after an incident CGU agrees to cover
- Cover for damage you cause to other people's cars or property in an accident (up to $20 million)
Compare your cover
This table compares the cover CGU provide under the types of insurance and levels of cover they offer. The amount and extent of cover, including additional benefits and optional benefits, may also vary depending on the cover selected. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
Cover |
Comprehensive Plus |
Comprehensive |
Comprehensive Basics |
Third Party Fire and Theft |
Third Party Property Damage |
|---|---|---|---|---|---|
|
Cover for loss or damage to your vehicle |
For Accidental damage |
For Accidental damage |
For Accidental damage |
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 |
Covered under |
Covered under |
✓ |
✓ |
|
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 repaired option |
Optional |
Optional |
✗ |
✗ |
✗ |
FAQs
Alternatively, you can call CGU on 13 24 80, for 24-hour claims lodgement.
Need to make an insurance claim?
Call CGU’s claims team 24 hours a day, 7 days a week on 13 24 80.
Home, landlord or motor vehicle claims can also be made online by logging into your CGU online account if your policy was first purchased after 16 June 2025, or renewed after 9 August 2025.
Managing your insurance online
If your policy was purchased after 16 June 2025, or renewed after 9 August 2025, you can make certain updates online, such as adjusting your excess amounts or optional benefits.
For significant changes, like purchasing a new car, please call us directly on 13 11 82.
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