Car insurance
Whether you’re just looking for basic cover or you want to give your pride and joy the protection it deserves, there's a range of options for you to choose from.
$30 million liability cover
Relax – your policy covers you for up to $30 million in liability cover, no matter who’s at fault.*
Repairs you can trust
If authorised repairs turn out to be faulty, CGU will take a look and can have them fixed at no cost to you.*
Money back guarantee
Change your mind? Get a refund if you cancel your policy in the first 21 days without making a claim.*
Choose the right car insurance policy
Comprehensive
Want the total package? This covers damage to both your car and others'.
- Up to $30 million of liability cover
- Damage to your vehicle - listed events up to your sum insured, including protection from uninsured drivers
- Hire car after theft (21 days)
- Towing and transport of your vehicle
- Fire and theft
- New car replacement
- Personal items
Third Party Fire & Theft
This covers damage to other cars, plus your car if it's stolen or catches fire.
- Up to $30 million of liability cover
- Damage to your vehicle - protection from uninsured drivers
- Hire car after theft (21 days)
- Towing and transport of your vehicle
- Fire and theft
- New car replacement
- Personal items
Third Party Property
This covers you for the cost of damage to other people's cars or property.
- Up to $30 million of liability cover
- Damage to your vehicle - protection from uninsured drivers
- Hire car after theft (21 days)
- Towing and transport of your vehicle
- Fire and theft
- New car replacement
- Personal items
This is only a summary, see everything that is and isn’t covered in the Product Disclosure Statement (PDS).
Choose who’s covered to get behind the wheel*
Find out more about the differences between driver types and mileage.
Added peace of mind the whole family can enjoy! Any licenced person can drive the vehicle with this option.
- No need to nominate different people as drivers.
- Licensed drivers of any age can drive the vehicle, additional excesses may apply.
If there's only two of you driving the car, you can save on your premium.
- Maximum of two nominated drivers over 25.
- Valet drivers, repair testers and emergencies are covered regardless of the age of the driver.
This is a great option to save on premiums if you don't drive your car often or for a second car.
- Maximum of two nominated drivers over 25.
- Valet drivers, repair testers and emergencies are covered regardless of the age of the driver.
- Car can only be driven up to 10,000 kilometres per year.
Available on Comprehensive car policies only.
Added peace of mind the whole family can enjoy! Any licenced person can drive the vehicle with this option.
- No need to nominate different people as drivers.
- Licensed drivers of any age can drive the vehicle, additional excesses may apply.
If there's only two of you driving the car, you can save on your premium.
- Maximum of two nominated drivers over 25.
- Valet drivers, repair testers and emergencies are covered regardless of the age of the driver.
This is a great option to save on premiums if you don't drive your car often or for a second car.
- Maximum of two nominated drivers over 25.
- Valet drivers, repair testers and emergencies are covered regardless of the age of the driver.
- Car can only be driven up to 10,000 kilometres per year.
Available on Comprehensive car policies only.
There’s no such thing as a silly question
With Comprehensive car insurance, you have the choice to add optional extras such as windscreen protection, a hire car after an incident and more. Policy terms, conditions, limits and exclusions apply.
See the Motor Vehicle Insurance Product Disclosure Statement for full details.
As well as the cost of any damage to another vehicle, Third Party Property Damage insurance helps provide protection from uninsured drivers up to $5,000 and up to $30 million liability cover.
Policy terms, conditions, limits and exclusions apply.
View the Motor Vehicle Insurance PDS for a full breakdown.
Third Party, Fire and Theft car insurance helps provide protection from uninsured drivers up to $5,000 and up to $30 million liability cover.
It also covers you for loss or damage to your vehicle by fire or theft, and your legal liability for loss or damage to another person's vehicle or property.
Policy terms, conditions, limits and exclusions apply.
See the Motor Vehicle Insurance PDS for full details.
If you have a standard policy, your car is covered no matter who is driving (with a few exceptions).
If you have a Nominated Driver policy, drivers under 25 aren’t covered (except learners accompanied by a fully licensed driver over the age of 25). Also, if someone’s driving and they’re not listed on your Nominated Driver policy, you’ll pay a higher excess if you make a claim.
Your can find more information in the Motor Vehicle PDS.
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.
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).