With CGU Contents Insurance, you’re covered for a wide range of items – from furniture to jewellery to TVs and laptops. It even covers your carpet and curtains. You’ve got three options for your Contents Insurance. With each, you’re guaranteed to love CGU’s attentive, quick service whenever you have questions or need to make a claim.
Compare our three covers
Accidental damage
Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, portable music players etc
Up to 20% of your sum insured or up to $7,500, whichever is greater (includes GST).
Up to $2,500 per item, pair, set, collection or system as applicable.
Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)
For motors up to 15 years old
Following certain events, see the PDS for details
Up to $500 (includes GST) under this additional cover
Up to $500
(includes GST)
Up to $20 million
Worldwide
Up to $20,000
Include accidents, except when racing
Up to $5,000
(includes GST)
Up to $5,000
Max length 4m -
motors less than 10hp
Listed Events
Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, portable music players etc
Up to 20% of your sum insured or $5,000 whichever is greater (includes GST).
Up to $2,500 per item, pair, set, collection or system as applicable.
Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)
Up to $2,000 for the events listed
(includes GST)
For motors up to 15 years old
Following certain events, see the PDS for details
Up to $500 (includes GST) under this additional cover
Up to $500
(includes GST)
Up to $20 million
Worldwide
Up to $20,000
Up to $5,000
(includes GST)
Up to $5,000
Max length 4m -
motors less than 10hp
Fundamentals
Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, portable music players etc
Up to $2,000
(includes GST).
Up to $1,000 per item, pair, set, collection or system as applicable
Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)
Up to $1,000 for the events listed
(includes GST)
For motors up to 15 years old
Following certain events, see the PDS for details
Up to $20 million
Australia wide
Up to $20,000
Up to $1,000
(includes GST)
Up to $5,000
Max length 3m -
unpowered only
Accidental damage
Listed Events
Fundamentals
Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, portable music players etc
Up to 20% of your sum insured or up to $7,500, whichever is greater (includes GST).
Up to $2,500 per item, pair, set, collection or system as applicable.
Up to 20% of your sum insured or $5,000 whichever is greater (includes GST).
Up to $2,500 per item, pair, set, collection or system as applicable.
Up to $2,000
(includes GST).
Up to $1,000 per item, pair, set, collection or system as applicable
Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)
Up to $2,000 for the events listed
(includes GST)
Up to $1,000 for the events listed
(includes GST)
For motors up to 15 years old
Following certain events, see the PDS for details
Up to $500 (includes GST) under this additional cover
Up to $500 (includes GST) under this additional cover
Up to $500
(includes GST)
Up to $500
(includes GST)
Up to $20 million
Worldwide
Worldwide
Australia wide
Up to $20,000
Include accidents, except when racing
Up to $5,000
(includes GST)
Up to $5,000
(includes GST)
Up to $1,000
(includes GST)
Up to $5,000
Max length 4m -
motors less than 10hp
Max length 4m -
motors less than 10hp
Max length 3m -
unpowered only
Terms and conditions apply to all cover types so please review the PDS for full terms and conditions.
Use our building and contents calculators to get an estimate1.
Before you decide on the cover that’s right for you, read the Product Disclosure Statement (PDS) and Target Market Determinations. In the PDS you’ll learn everything you need to know about what’s covered and what’s not.
For previous policy booklets, check our policy booklets page.
Generous new-for-old replacement
If your saggy old sofa is destroyed in a fire or flood, we’ll replace it with a new one. In other words, with our new-for-old replacement there’s no depreciation on your contents.
Heaps of additional benefits
Get cover for all types of possessions, from electronic equipment to credit cards. We’ll even cover your heirloom crystal vase (if you’ve got one).
Great claims service
We go out of our way to make the claims process hassle-free, and we pay valid claims as quickly as we can. After all, you’ve got other things to worry about.
When you take out Contents Insurance, you’re taking out cover for the things inside your home – like whitegoods, art, electronic equipment, jewellery and furniture.
How much you’re covered for depends on a few things. You choose the sum insured for all your contents (we’re here to help if need be), and then you can choose from three levels of cover – Premium, Quality or Basic.
To really wrap your head around what’s covered with our Contents Insurance, you should take a look at each Product Disclosure Statement (PDS):
When we calculate your contents insurance premium, we look at a whole range of factors – from the amount of contents you are insuring, to where you live, and more.
The best way to answer this question is to complete a quick quote. You'll have an answer in less than five minutes.
This depends on the type of policy you’ve taken out. Each of our Contents Insurance policies comes with a Product Disclosure Statement (PDS), which lists out all the exclusions to your cover.
In short, you’re not covered for any foreseeable event or for general wear and tear (for example, your home and contents deteriorating over time due to age).
We encourage you to read your PDS to see the full list of what is and isn’t covered:
If you’re not concerned about covering the building you live in – for example, you may be renting the home – then Contents Insurance is a great way to cover all your possessions in the event that they are damaged or stolen.
To understand what you’re covered for (e.g. flood, fire, break-ins, etc), please read these:
Whether you’re insuring your building, your contents or both, the higher the sum you choose to insure then the higher your premium will be.
The higher your excess (which is the amount you pay when you make a claim), the lower your premium will be. This is entirely up to you.
Some areas are more prone to burglary or damage than others. CGU calculates the probability of an event occurring in your area and applies it to your premium.
CGU includes flood cover as a policy feature on Home and Landlords insurance. This ensures that all customers are covered for damage caused by water giving you peace of mind when water damage occurs.
1. Building and contents calculators are provided by CoreLogic and should only be used as a guide. These calculators' estimates may be different than estimates you get during your quote. We do not guarantee the accuracy or currency of the estimates.
