Comprehensive Car Insurance

Our most popular cover protects your car from the unexpected and comes with options to match how you drive it.

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Love your car? You’ll love Comprehensive

Comprehensive Insurance protects the investment you’ve made in your car and helps you avoid big bills if you have an accident.

  • Take care of your car

    Feel confident your car’s covered if it’s stolen, in an accident, or damaged by a storm, vandalism or fire.

  • $30 million liability cover

    You’re covered up to $30 million if you damage other people’s cars or property in an accident.

  • Hire car if yours is stolen

    If your car’s stolen or can’t be driven after attempted theft, we pay for car hire up to $100 a day. You’re covered for 21 days, until your car’s back on the road, or until your claim’s settled (whichever’s first).

  • Personal items

    If your personal items are damaged in an accident or stolen from your locked car, we cover them up to $1,000 (we don’t cover things like money, cheques or property used for earning an income).

  • Towing

    If your car’s damaged in an accident (or another incident we cover) and can’t be driven, we’ll tow it somewhere safe or to the nearest repairer.

Why choose CGU?

165 years’ experience
Partner repairer network
Award-winning service

Ready to go?

Answer a few questions about your car and who drives it, and you could be covered in just a few minutes.

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Your car deserves the best cover

There are things you won’t find in other policies that we cover automatically with Comprehensive. Plus, you can add extras for bonus peace of mind.

  • Emergency repairs

    We pay up to $800 for emergency repairs that make your car safe to drive after an incident we cover.

  • Trailers

    Your trailer’s covered up to $1,000 if it’s damaged while attached to your car (we’ll either pay the cost to repair your trailer or its market value, whichever’s less).

  • Baby capsules and car seats

    We cover the cost to replace baby capsules or child seats if they’re damaged in your car or stolen from it.

  • Hire car after an accident

    Choose this cover and we’ll pay for car hire up to $100 a day if your car can’t be driven after an accident or other covered incident. You’re covered for 21 days, until your car’s back on the road or until your claim’s settled (whichever’s first).

  • No excess for glass-only repair

    Add this option and you won’t pay an excess for repairs to your windscreen or windows if there's no other damage. You can use this cover once during your period of insurance.

  • No Claim Bonus protection

    Add this cover and one at-fault claim won’t affect your No Claim Bonus1. You can add this cover if you’re already on the maximum No Claim Bonus.

Important documents

For previous policy booklets, check our policy booklets page.

We’re here whenever you need us

Ready for anything, 24/7

Accidents can happen anytime, so we’re available day and night. If something goes wrong, you can call right away.

How to claim

Step 1. Call 13 24 80 with your policy number and any details you have (like where the incident happened and if anyone else was involved).

Step 2. We’ll assign one of our consultants to your claim and give you a claim reference number.

Make a claim

Claim centre

13 24 80

24 hours, 7 days a week

More information

Car and vehicle claims What do I need to make a claim?

Still have questions?

  • Is a learner driver covered on my car insurance?

    Yes, learners are covered.

    If you have a Nominated Driver policy, learners are only covered if the fully licensed driver accompanying them is over 25. See the PDS for more details.

  • How much does Comprehensive cost?

    The cost depends on a number of things, including where you live, your car’s make and model, and whether you’ve had an accident before.

    There are some ways to lower the cost, like if you name the drivers on your policy or if you choose a policy that has a limit on how far you drive each year.

    The fastest way to see how much your insurance costs and look at your options is to quick quote.

  • Is my car covered when someone else drives it?

    If you have a standard policy, your car’s covered no matter who’s behind the wheel (with a few exceptions).

    If you have a Nominated Driver policy, drivers under 25 aren’t covered (except learners accompanied by a fully licensed driver over the age of 25). Also, if someone’s driving and they’re not listed on your Nominated Driver policy, you’ll pay a higher excess if you make a claim.

    Make sure you’ve read the PDS before you let someone else drive your car.

Things you should know

1 Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount.

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