Insurance
How do I make a claim?
If you need to make a claim under your insurance, simply call CGU Claims on 13 24 80 to make a paperless claim. They’re available 24 hours a day, 7 days a week. You can also submit a car or home clai…
Do you offer flexible insurance premium payment options?
Yes, you can choose to pay fortnightly, monthly or quarterly at no extra cost for all our insurance policies (excluding Travel Insurance)
How do I update the details on my policy?
For policies purchased or renewed after 16 June 2025, you can make certain updates online, such as adjusting your excess amounts or optional benefits. Simply log into the CGU My Online Account porta…
Do you guarantee repairs?
Home Insurance: CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home. Car Insurance: CGU offers a lifetime guarantee on the workmanship of all authorised repairs, val…
Can I buy travel insurance if my trip has already started?
Unfortunately no, we require that you purchase CGU Travel Insurance before you start your trip.
Why should I take out travel insurance?
Travel insurance protects you, and those covered under your policy while travelling by providing financial assistance in events such as when you have an accident, get sick while travelling overseas,…
What cover is provided for COVID-19?
If you are diagnosed with COVID-19 whilst travelling, we have benefits available on our domestic and international policies including cover for overseas medical costs. Common scenarios for COVID-19 c…
Does CGU Travel Insurance cover cruises?
Yes, you can add additional cruise cover option when you get a quote online. Limits, sub-limits, conditions and exclusions apply. Refer to the PDS for details.
How do I get help while travelling?
If you need urgent help, you can call our Emergency Assistance 24/7 such as: Finding a medical facility and/or a doctor who speaks English. Pay medical bills (if your claim is approved). Replace lost…
Can I cancel my travel insurance policy for a refund?
Yes, you may cancel your policy and receive a full refund of the premium paid as long as you do not want to make a claim and you haven't departed on your journey.
Does CGU cover electric (EV), hybrid and plug-in-hybrid (PHEV) vehicles?
Yes – as long as they meet CGU's standard acceptance criteria. CGU generally covers standard-spec EV, hybrid and PHEV vehicles.
Can I insure for more than your online building and contents calculator says?
Yes, you can. The calculation provided is just a guide. It's your responsibility to ensure your home is insured for its full replacement value. However, if you insure your home or contents for more t…
What is the difference between General, Valuable, and Portable Contents.
General Contents: These are items you keep in and around your home that aren't permanently attached to the structure, like furniture. Valuable Contents: These are part of your general contents but ha…
What is Accidental Damage Cover in my Home Insurance policy?
Accidental damage cover protects you when unexpected mishaps occur around your home. For instance, it would cover you if your child accidentally knocked over the TV and broke the screen, or if you ac…
Can I choose my own repairer for my home repairs?
Yes, you can choose who repairs your home. However, if you decide not to use one of CGU’s partner repairers, they won't be able to guarantee the workmanship or repairs that are completed, nor assist…
Am I covered if a personal belonging gets damaged whilst relocating between barracks?
Yes, your belongings are covered for up to 30 days whilst you’re relocating with a Barracks Insurance policy.
How long can I be covered under Barracks Insurance when I’m deployed?
If you’re away from your place of residence due to deployment, you’ll be covered for up to 270 days (upon application).
Am I covered if my tenant damages my property or contents?
Yes, you’re covered if your tenant or their guest vandalises your property or intentionally causes loss or damage. You and your tenant must have a valid rental agreement. Your policy doesn't cover da…
