Car insurance cover

$30 million liability cover

No matter who’s at fault, your policy covers you for $30 million in liability cover.

Replacement car during repairs

Comprehensive cover includes an option for a replacement car to drive while yours is repaired.

No claim bonus

We reward good driving by giving you a discount for each year that you don’t claim.

See our options below

Choose the right car insurance policy

If you own a vehicle in NSW, you need Compulsory Third Party insurance (CTP or Green Slip) as part of your vehicle registration.

Third party property damage, fire and theft

If you cause damage to another vehicle, or your car is stolen or catches fire, you’re protected.

  • $30 million liability cover
  • Uninsured motorist damage - up to $5,000
  • Hire car after theft - up to 21 days
  • Towing and transport of your vehicle
  • New car replacement up to three years old
  • Hire car after accident
  • Personal items

Third party property damage

This budget-friendly policy covers damage you cause to another person’s property or vehicle.

  • $30 million liability cover
  • Uninsured motorist damage - up to $5,000
  • Hire car after theft - up to 21 days
  • Towing and transport of your vehicle
  • New car replacement up to three years old
  • Hire car after accident
  • Personal items

Different policies to suit your needs

Any driver motor vehicle insurance

Everyone’s covered, so you can relax.

When several people regularly drive your car

Mum, dad, kids and friends often drive the car? Choose to have them covered for true peace of mind.

  • Available under all levels of cover
  • Includes cover for your car.
  • Let friends and family borrow the car without worrying about insurance protection

Drivers under 25 can be covered by this policy

Nominated driver motor vehicle insurance

A great policy when the vehicle will be driven by only one or two people aged 25 years or over.

Just you driving the car - or two of you? Sorted.

Available on all levels of cover, but only for cars.

  • Save on premiums by nominating up to two drivers
  • Nominate just yourself or any other driver over 25 - drivers over 25 will be covered with double excess
  • Drivers under 25 are not covered, unless the car is being parked by a valet, repaired, serviced, tested or used in a medical emergency

Nominate the drivers and enjoy the savings

Nominated driver Low KMs motor vehicle insurance

Prefer to walk? Get lower premiums if you don’t often drive.

Lower kilometers means lower premiums

Available under comprehensive cover

  • Up to two drivers both 25 years of age or over
  • The car will not be driven more than 10,000 kilometres annually
  • Drivers under 25 are not covered, unless the car is being parked by a valet, repaired, serviced, tested or used in a medical emergency

A great insurance option for your second car.

FAQs

It’s important to choose the right car insurance policy. Our Frequently Asked Questions will help you.

Is my car covered when someone else drives it?

This depends on the policy you’ve chosen. With our Comprehensive Motor Vehicle Insurance Policy, your car is covered no matter who’s behind the wheel (some exclusions apply).

With our Nominated Driver policies, drivers under 25 years of age aren’t covered (except for learner drivers accompanied by a fully licensed driver aged 25 years or more). Anyone that’s not listed on your policy will incur a higher excess in the event of a claim. Your Product Disclosure Statement details who is included as a driver in your policy.

How are car insurance premiums calculated?

We consider the following factors in calculating insurance policy premiums:

  • the age, experience and driving history of the drivers
  • the type of insurance you choose and the optional extras you want
  • the kind of vehicle you are insuring and how much it would cost to repair or replace it
  • your location, where your vehicle is parked and risk of theft

Is a learner driver covered with my policy?

Yes they are. If you’ve chosen one of our Nominated Driver policies, the learner driver must be accompanied by a fully licensed driver aged 25 years or more.

Who will repair my car if there’s an accident?

You can choose your own repairer, as long as they are licensed to carry out repairs, or you can choose one of our trusted repair partners to undertake your repairs.

What excesses apply?

There are four excesses that may be payable for a car insurance claim:

  • basic excess - which you pay if you are deemed at fault and claim under the terms of your policy
  • age excess - for drivers under 25 years
  • inexperienced driver excess - for drivers 25 years and over who have not held a driver’s licence for two consecutive years
  • additional excess - when we have agreed to cover under special terms specific to your policy

What if someone other than the nominated driver drives my car

If you have a nominated driver policy and someone else under 25 drives the car, you will not be covered for any loss, damage or liability, unless the car is being parked by a valet, repaired, serviced, tested or used in a medical emergency. If the driver is over 25 a double excess is applied.

What if I exceed my 10,000 kilometre limit on my low KMs policy

If you exceed the 10,000 kilometre limit, you may also need to pay an additional premium.

Great reasons to choose us

  • A nationwide repair network makes arranging repairs easy and convenient.
  • A friendly claims consultant makes it easy to submit a claim, arrange repairs, and get back on the road.
  • Call anytime on our 24-hour claims hotline for friendly helpful service.
  • Flexible pay-by-the month or fortnightly premiums make car insurance even more affordable.
  • When you choose us, you choose a bank that supports local communities.
  • We’re Australia's most highly trusted bank#.

Additional information

# Mozo People’s Choice Awards 2017

^ Roy Morgan Customer Satisfaction Results May 2017.

This product is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Please consider your situation and read the Product Disclosure Statement and consider it before making a decision.