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When you're on the road, knowing you're insured really matters!

Whether you want the best protection or something simple, you’ll find what you need. Through CGU we’ve got three levels of car insurance – each one customisable to match the way you drive your car.

  Policies available
  • Motor Vehicle insurance – drivers of all ages
  • Nominated Driver Motor Vehicle insurance – up to two listed drivers, drivers under 25 excluded, higher excess for unlisted driver
  • Nominated Driver Low Kilometre Motor Vehicle insurance – for cars that travel less than 10,000 km/year, up to two listed drivers, drivers under 25 excluded, higher excess for unlisted driver
  Common cover

All policies include the following:

  • Liability cover up to $30 million
  • 21 day cooling off period
  • Repairs guaranteed for the life of the vehicle
  Types of cover


  • Protects your own car plus for accidents you or others cause
  • Protects any damage you cause to other vehicles and property
  • Theft, storm and other unforeseen events.

Third Party Fire and Theft

  • Damage you cause to other vehicles or property
  • Protects against theft or burning of your vehicle
  • Your car covered up to $5,000 for damage caused by an uninsured motorist
  • For cars with a lower value

Third Party Property Damage

  • Damage you cause to other vehicles or property
  • Not covered for damage to your own car
  • Your car covered up to $5,000 for damage caused by an uninsured motorist


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Choose the right policy for you



Third Party Fire & Theft

Third Party Property Damage

Australia-wide Cover

Nominated Driver option

Nominated Driver Low Kilometre option

Choice of agreed or market value

No Claim Bonus protection
Automatic after 2 claim-free years on Rating 1

Optional windscreen extension

Personal items
If damaged in an incident, or stolen from a locked car

Up to $1,000

Replacing your vehicle after a total loss
Age and kilometre limits apply

Up to 3 years old

Trailer attached to your vehicle

Up to $1,000

Baby capsules and child seats

Emergency or temporary repairs

Up to $800

Up to $800

Recoding of locks and barrels after theft of keys

Up to $1,000

Up to 1,000

Choice of repairer

Uninsured motorist damage
Not at-fault collision with an uninsured motorist

No limit

Up to $5,000

Up to $5,000

Hire car after theft or attempted theft

Up to 21 days

Up to 21 days

Optional hire car after an incident

Up to 21 days

$30 million liability cover
Damage to another person’s property

This table is a summary of highlighted features and benefits only. Please refer to the CGU Motor Vehicle Insurance Product Disclosure Statement (PDS), Target Market Determination and Policy for full terms and conditions. 


Why insure with CGU?

  • Choice of repairer
  • 24/7 claims lodgement – 13 24 80
  • 160 years of experience insuring Australians
  • Over a million vehicles insured

Insure your motorcycle, trailer or horse float

  • Protect other vehicle types
  • Motorcycle, trailer or horse float



Motor Vehicle Insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Australian Mutual Bank Ltd ABN 93 087 650 726  acts under its own AFSL and Australian Credit Licence Number 236 476 and under an agreement with the insurer. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase the insurance policy, you should consider your personal circumstances and the relevant Product Disclosure Statement available above.