Building and Contents Insurance FAQs

Yes, you can. The calculation provided is just a guide. It's your responsibility to ensure your home is insured for its full replacement value. However, if you insure your home or contents for more than the cost to repair, replace, or rebuild, CGU will only pay the actual cost of repairing, replacing, or rebuilding.

Accidental damage cover protects you when unexpected mishaps occur around your home. For instance, it would cover you if your child accidentally knocked over the TV and broke the screen, or if you accidentally put your foot through the ceiling while in the roof. Whether your building, contents, or both are covered depends on your policy. Accidental damage cover can be added as an optional benefit to your Building Standard policy. If you upgrade to Building Plus, it’s automatically included.

Yes, you can choose who repairs your home. However, if you decide not to use one of CGU’s partner repairers, they won't be able to guarantee the workmanship or repairs that are completed, nor assist in managing the repairer regarding timeframes or quality. CGU will also only pay you the fair and reasonable amount that the repairs should cost.

The changes you can make to your policies using your online account depend on the specific policies you hold.

For example, if you have a Comprehensive Car Insurance policy, you can: 

• Add/edit the car's VIN
• Add/remove a windscreen option
• Add/remove a hire car
• Add/remove drivers
• Add/remove the car's credit provider
• Amend your excess
• Amend your sum insured
• Change and view your risk address
• Change kilometres driven/garaging
• Change the address where the car is kept
• Change your car's number plate details
• Switch from agreed value to market value

For more information about what changes you can make to your policy, please contact CGU on 13 24 81.