Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertiseHome insurance brands
CGU Home Insurance provide three levels of cover for Australians: Accidental Damage, Listed Events and Fundamentals. These policies provide options suitable to various homes and budgets.
Here's a short list of some of the insured events it covers:
If you change your mind and want to cancel your policy, it comes with a 21 day cooling off period – this is the same as the majority of other insurers. You can cancel and receive a full refund, so long as you haven't made any claims. You'll also need to pay an excess whenever you make a claim.
CGU home insurance policies come with an extension list of benefits. If an insured event causes loss or damage, you can get covered for:
CGU's general exclusions are similar to other home insurance providers. Your home insurance claim will not be paid if:
You should read the relevant CGU home insurance PDS for a full list of general exclusions. You can also find out more about things home insurance doesn't cover on our general exclusions page.
We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July to December 2020. The data explores different underwriters and compares their business size to the number of complaints processed.
When comparing insurers, keep in mind that insurers with a larger market share serve more customers so can potentially get more complaints.
CGU home insurance is underwritten by Insurance Australia Limited. The information also includes data from other insurers Insurance Australia underwrites. Here's an overview of how it did:
CGU home insurance is good if you want a comprehensive home insurance policy that comes with lots of inclusions. However, it had a high complaints percentage for the period we looked at so consider looking elsewhere if you want an insurer with a good customer service record.
To look at other home insurance policies side-by-side, head to our comparison homepage
Before you contact CGU to make a claim, make sure that you have all the information necessary for your claim to be processed. This could include the contact details of anyone else involved in the incident, copies of letters and court documents relating to the incident, and a police incident report number where applicable. To lodge a claim, call 13 24 80 - it's available 24/7. It's important that you contact CGU as soon as possible in order to prevent your claim being reduced or refused. In order to assess your claim, CGU may request you to provide proof of ownership, may need to inspect your building or contents, and may need to obtain quotes from repairers. Once you've provided all relevant information, your claim can then be assessed and processed.
When you make a claim on your CGU Home Insurance policy, you'll need to contribute towards the cost of that claim by paying an excess. The amount and type of excesses that apply to your cover will be shown in your policy schedule. For example, in addition to the basic excess amount, you may need to pay an additional $250 excess if you make a claim for an earthquake or tsunami. The amount of excess you will need to pay is influenced by factors such as the age and construction of your property, its location, and your previous insurance history.
Yes, tablets and mobiles are covered under your contents insurance as valuable items. How much you're covered for depends on your policy.
CGU offers the following three policies, each of which offers a different level of cover: Accidental Damage is the highest level of cover, Listed Events offers standard cover and Fundamentals provides basic protection.
Your contents are covered by CGU while they are in the process of being moved to your new home, regardless of whether you are moving within Australia or overseas.
Yes, up to $5,000 of cover is provided for the belongings of your visitors if they are damaged by an insured event. However, cover only applies if those belongings are not already insured under another policy.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertiseHome insurance brands
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