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Comprehensive Basics Insurance
Comprehensive Basics Car Insurance is an entry-level policy that provides essential coverage.
Comprehensive Basics protects you car from damage caused by collisions, fire, theft, and adverse weather conditions. Additionally, it covers any damage you car may cause to other people's vehicles and property. As an entry-level option, this policy does not include optional extras.
if you need features like hire car or $0 glass excess, you might want to consider Comprehensive or Comprehensive Plus policies.
✓ Covers anyone you let drive your car
✓ Theft, storm damage, fire & flood
✓ Damage from an accident
✓ Damage if you caused an accident
✓ Cover for your car if it's stolen, vandalised, or damaged during a theft attempt.
✓ Taxi fare after an accident
This table compares the cover CGU provide under the types of insurance and levels of cover they offer. The amount and extent of cover, including additional benefits and optional benefits, may also vary depending on the cover selected. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
Cover |
Comprehensive Plus |
Comprehensive |
Comprehensive Basics |
Third Party Fire and Theft |
Third Party Property Damage |
Cover for loss or damage to Your Vehicle |
For Accidental damage | For Accidental damage | For Accidental damage | For fire, theft or attempted theft Up to $10,000 only | x |
| Partner Repairer | y | y | y | y | y |
| Cover for liability | y | y | y | y | y |
Additional benefits |
|||||
| Baby capsules and child seats | y | y | y | y | x |
| Emergency repairs | y | y | y | y | x |
| Emergency transport and accommodation | y | y | y | y | x |
| Fire extinguisher replacement | y | y | y | y | x |
| Hire vehicle or alternative transport after not at-fault incident | y | y | x | x | x |
| Hire vehicle or alternative transport after theft | y | y | x | y | x |
| Incorrect fuel | y | y | y | x | x |
| Legal representation at coronial inquiry | y | y | y | y | y |
| Lifetime repair guarantee (on authorised repairs) | y | y | y | y | y |
| Methamphetamine contamination | y | y | y | y | x |
| New vehicle replacement | y | y | x | x | x |
| Personal items | y | y | x | x | x |
| Replacement of keys and locks | y | y | y | x | x |
| Taxi fare | y | y | y | x | x |
| Temporary cover for replacement vehicle | y | y | y | y | y |
| Tools of trade | y | y | x | x | x |
| Towing | y | y | y | y | x |
| Trailer or caravan attached to Your Vehicle | y | y | y | x | x |
| Uninsured motorist damage | Covered under 'Loss or damage to Your Vehicle' | Covered under 'Loss or damage to Your Vehicle' | Covered under 'Loss or damage to Your Vehicle' | Y up to the Market Value of Your Vehicle to the Maximum of $5,000 only | Y up to the Market Value of Your Vehicle to the Maximum of $5,000 only |
| Vehicle pick-up and return | y | x | x | x | x |
| Vehicle storage costs | y | y | y | y | x |
Optional benefits |
|||||
| Excess free glass extension | Automatically included | Optional | x | x | x |
| Hire vehicle or alternative transport after incident | Automatically included | Optional | x | x | x |
| Any repairer option | Optional | Optional | x | x | x |
What CGU can offer you
Claims Guarantee
CGU offers a lifetime guarantee on the workmanship of all authorised repairs to your home or car, valid for as long as you own the car.
Contacting CGU Claims
Our partner CGU is here for you anytime, any day. Call CGU's claims team 24 hours a day, 7 days a week on 13 24 80 to make a claim.
For more information on the claims process, visit CGU's claims website.
Payment Options
Choose your cover and pay fortnightly, monthly or quarterly at no extra cost.
Car insurance premiums vary because we all have different circumstances and needs. For all the factors CGU consider, take a look at the Premium, Excess and Discounts Guide.
A car insurance claim is a request that you lodge to your car insurance provider when you have suffered damage or loss.
An excess is the amount you may contribute towards the cost of your claim. Your current Certificate of Insurance shows the amount and types of excesses that apply to your policy.
Yes – as long as they meet CGU's standard acceptance criteria. CGU generally covers standard-spec EV, hybrid and PHEV vehicles.
You can check the PDS for all the details of what is and isn’t covered to make sure you’re choosing the right cover for your circumstances.
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.
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