Why choose to insure through CGU?
Flexible payment options
Choose your cover and pay fortnightly, monthly or quarterly at no extra cost.
Claims guarantee
CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home.
Manage your insurance online
For eligible building and contents insurance policies, certain updates can be made online.
- Theft & vandalism
Cover for stolen items and damage to your items from robbery and vandalism, including stolen keys. - Flood, storm & storm surge
Cover for loss or damage to your home and items caused by flood, rainwater run-off, storm, storm surge, and tsunami.1 - Rebuilding your home
CGU pays to repair or rebuild your home up to the insured amount if it’s damaged by a covered event. - Fire
Cover for loss and damage to your home and items causedby fire (including bushfire).
- Temporary accommodation
If your home can't be lived in after a covered event, CGU pays for temporary accommodation.2 - Emergency repairs
If your home needs urgent repairs after an event CGU covers, CGU is available 24/7 to help keep you safe. - Visitors' belongings
Cover for your visitors' items (except money) if they're damaged by a covered event in your home (up to $2,500). - Liability for injury or damage
Cover for your legal liability in some situations if someone’s injured or their property’s damaged(up to $20m).3
Accidental damage
Add cover for damage to buildings, fixtures and your belongings from unintentional mishaps around your home. 4
Valuable contents
Increase your cover for some items in your home like art, jewellery and collectables.
Motor burnout
Add cover for electric motor burnout in fixtures (like air con) and appliances (like washing machines), including parts and labour. 5
Portable contents
Choose to cover items like glasses, jewellery, laptops, and mobile phones when you take them outside your home. 6
Important information
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.
Police & Nurses Limited (P&N Bank) ABN 69 087 651 876 AFSL 240701 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. The information on this website 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 Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from the CGU website.
View the full terms and conditions.
*This offer is strictly limited to a maximum of $300 cashback per customer for any new Eligible Insurance Policy purchased, including joint policies and is only available for P&N Bank customers who meet the following conditions. Open to Western Australian Residents 18 and over. Offer applies to new Combined Home Building and Contents Insurance (‘Eligible Policy’) purchased through P&N Bank online, over the phone or in branch, between 21 January 2026 – 28 April 2026 and starting in the same period. To be eligible for the offer the policy must be paid either in full, or at least one instalment for an Eligible Policy within 8 weeks. The primary policy holder must have an active P&N Bank transaction account at the time of cashback payment. The $300 cashback will be deposited into the customer’s transaction account within 40 days from the conclusion of the 8-week period.
1. CGU don’t cover actions of the sea, such as tides and waves.
2. If you have Contents Insurance, and you're renting the home (a tenant), CGU pays the reasonable extra rent costs for temporary accommodation. If you own and live in your home (and it's part of a strata or similar scheme),CGU cover the reasonable costs of temporary accommodation. If you have Building Insurance with CGU Insurance, and you own and live in your home, CGU covers the costs for temporary accommodation that CGU agrees are reasonable and appropriate for you. Additional limits, exclusions and conditions apply.
3. Cover applies if the incident happens at your home (under Building insurance), and away from your home but still in Australia (under Contents insurance).
4. CGU doesn't cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use.
5. CGU cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.
6. Portable items are covered for loss, theft and accidental damage. Cover is up to $10,000 for each item unless you list it separately for more. There are other limits for items taken outside Australia or New Zealand, check the PDS. CGU don’t cover scratches and dents or items being cleaned or repaired. CGU doesn’t cover fishing equipment, sporting equipment, drones, musical instruments or firearms while they’re in use. CGU doesn’t cover bicycles while they’re being used in a competitive race or time trial.