Home Insurance

How do I make a home insurance 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…

Jasmine Shillington
Updated by Jasmine Shillington

Do you offer flexible home 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)

Jasmine Shillington
Updated by Jasmine Shillington

How do I update the details on my home insurance 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…

Jasmine Shillington
Updated by Jasmine Shillington

Can I choose my own home insurance excess?

Yes. Your excess is the initial amount you have to pay yourself if you make a claim. We offer a variety of excess options from $0 up to $2,050. The higher the excess you choose, the lower the premium…

Jasmine Shillington
Updated by Jasmine Shillington

Do you guarantee home repairs?

CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home.

Jasmine Shillington
Updated by Jasmine Shillington

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…

Jasmine Shillington
Updated by Jasmine Shillington

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…

Jasmine Shillington
Updated by Jasmine Shillington

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…

Jasmine Shillington
Updated by Jasmine Shillington

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…

Jasmine Shillington
Updated by Jasmine Shillington

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