Know your worth! Switch to car insurance through the Better Big Bank.
Why choose car insurance through us?
Insurance you can rely on is worth its weight in gold.
And when it’s arranged by Australia’s Most Trusted Bank^, you can be confident it’s insurance worth having.
Repairs guarantee
CGU offers a lifetime guarantee on the workmanship of all authorised repairs, valid for as long as you own the car.
Drive less, pay less
A popular policy option with our Comprehensive cover, available for cars. Tailor your cover and save.
Replacement car
If your new car is written off in its first three years, CGU tries to replace it with a similar new car. Available on Comprehensive Plus.
Different policies to suit your needs
If you own a vehicle in NSW, you need Compulsory Third Party insurance (CTP or Green Slip) as part of your vehicle registration. Read our Car Insurance PDS for the full breakdown of this cover option.
This table compares the cover CGU provide under the types of insurance and levels of cover they offer. The amount and extent of cover, including additional benefits and optional benefits, may also vary depending on the cover selected. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
Get a quick quote today
Choose your cover type:
- Comprehensive Plus
- Comprehensive
- Comprehensive Basics
- Third Party Fire and Theft
- Third Party Property Damage
Managing your insurance policy
Remember to review your policy regularly. It helps to do a few things at renewal time that could help reduce costs and manage your insurance policy.
Right level of cover
You can choose from Comprehensive Plus, Comprehensive, Comprehensive Basics, Third Party Fire and Theft & Third Party Property Damage.
Payment frequency
There's no extra charge if you pay fortnightly, monthly or quarterly. Adjusting your payment frequency to suit you could make it easier to manage your finances.
Excess
If you can afford to pay a higher excess when making a claim, increasing your excess may lower the premium you pay.
Easy to deal with, ready to help.
Get a quick quote online or if you prefer, speak to our dedicated insurance team over the phone today. Call 1300 557 155 between 8am–8pm (AEST/AEDT) weekdays. The team are insurance specialists who can support you directly and make sure you’ve got the level of cover you need.
Claims and account management
Contacting CGU Claims
Our partner CGU is here for you anytime, any day. Call CGU's claims team 24 hours a day, 7 days a week on 13 24 80 to make a claim.
Managing your policy online
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 in to your account to see the available options. For assistance and to set up your online account, call CGU at 1300 557 155.
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FAQs
It’s important to choose the right car insurance policy. Our Frequently Asked Questions will help you.
How much is car insurance?
Car insurance premiums vary because we all have different circumstances and needs. For all the factors CGU consider, take a look at the Premium, Excess and Discounts Guide.
What is a car insurance claim?
A car insurance claim is a request that you lodge to your car insurance provider when you have suffered damage or loss.
What is an excess in car insurance?
An excess is the amount you may contribute towards the cost of your claim. Your current Certificate of Insurance shows the amount and types of excesses that apply to your policy.
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.
You can check the PDS for all the details of what is and isn’t covered to make sure you’re choosing the right cover for your circumstances.
Tools and calculators
Things you should know
^ Roy Morgan Risk Monitor 2024. Customers of Bendigo and Adelaide Bank Limited.
1To get a new replacement car with Comprehensive or Comprehensive Plus following an incident CGU insures, your car must weigh under 3.5 tonnes, and it must have been a new or demonstrator vehicle when you bought it, and less than 24 months old for Comprehensive, and less than 36 months for Comprehensive Plus. New vehicle replacement is not included with Comprehensive Basics. New vehicle must be reasonably available in Australia.
2CGU may not cover you for some severe weather events during an embargo period (which is usually when we know a severe weather event is about to occur). We tell you if there’s an embargo when you purchase your policy.
Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
Bendigo and Adelaide Bank Limited (Bendigo Bank) ABN 11 068 049 178, AFSL 237879 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand. Any advice provided 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 a product, you should consider your personal circumstances and the relevant the Product Disclosure Statement and Target Market Determinations available on this website.
**Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When the issuer Insurance Australia Limited trading as CGU Insurance ABN 11 000 016 722, AFSL 227681 determine your premium on renewal, they may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount.
