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24/7 claims

Here for you at any time of the day. Call our partner CGU’s claims team 24 hours a day, 7 days a week.

Payment flexibility

Flexible when it comes to your insurance payments – pay by the month, at no extra cost.

Money back guarantee

Change your mind? You can cancel your policy and get a refund in the first 21 days if you haven’t made a claim.

What type of insurance are you looking for?

Home insurance

We have options to suit your needs and budget. Choose from our three tiers of cover for your building, contents, or both.

Car insurance

From basic cover to a full comprehensive policy, we offer three different levels of protection for your car.

Landlords Insurance

Get broad protection and better peace of mind for your investment property.

Motorcycle insurance

A range of cover options that will help you leave your worries behind when you hit the open road.

Caravan insurance

Comprehensive cover for your home-on-wheels that can be tailored to suit your needs.

Boat insurance

Set sail without a care in the world when you take out comprehensive cover for your boat.

Get a free insurance quote online

Home insurance

Car insurance

Landlords insurance

Handy insurance calculators

Not sure how much your home and contents are worth? Crunch the numbers using these handy insurance calculators and avoid the possibility of

Building insurance value calculator

Home contents value calculator

Your insurance questions, answered

You'll receive your insurance policy renewal via your preferred method (email or post) a few weeks before your policy is due to expire. Please make sure your contact details are up-to-date and advise us of any changes to your personal circumstances or the insured asset, as this may require changes to your policy.

If you're making monthly or quarterly direct debit payments on your policy, and are happy with your policy renewal information, you don't need to do anything. Your policy will automatically renew  at the new premium amount advised. If you pay annually, you'll need to arrange payment of the premium amount quoted.
If you would like to speak to someone about your policy renewal, or make changes to your policy,  please call us on 13 25 77 and one of the team will be happy to help.

An insurance excess is simply the amount that you'll need to pay towards the cost of an insurance claim.

There are different types of excess that apply to different policies. For example, in addition to the basic excess which applies when you make a claim on Car insurance, you may also be required to pay an age excess, inexperienced drivers excess or additional excess. Please refer to your Product Disclosure Statement for more information.

You can make a claim by contacting CGU's 24/7 claims team on 13 24 80.

Home or motor vehicle claims can also be made online by visiting the CGU Insurance claims page.

Find out more about making an insurance claim.

To make an insurance claim you'll need your policy number and the time, date and details of the event – whether it be a car accident, home damage or lost/stolen property.

For car insurance claims, you'll also need the details of any other people involved in the incident including their name, address and registration number, contact details and any relevant documents.

Find out more about making an insurance claim.

With insurance through P&N Bank, you can choose to pay your premium fortnightly, monthly or yearly – the choice is yours.

If you want to pay yearly up front, you can choose to pay by direct debit or BPAY. If you choose to pay fortnightly or monthly you can pay by direct debit. 

You will choose your payment method and frequency when you take out the policy.

Important information

*Underwriting criteria, policy terms, conditions, limits and exclusions apply. Please see the Product Disclosure Statement for full details.

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 trading as CGU Insurance ABN 11 000 016 722, AFSL 227681. 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 Product Disclosure Statement and Target Market Determinations (TMDs).