Our policies also take into account who's driving the vehicle and how far it's driven each year when determining your premium.

Levels of cover

Comprehensive motor insurance

Covers your car, motorcycle, trailer or horse float for loss or damage and also covers you for legal liability when loss or damage to another person's vehicle or property occurs.

Third Party Fire and Theft motor insurance

Covers your car or motorcycle for loss or damage by fire or theft and also covers you for legal liability when loss or damage to another person's vehicle or property occurs.

Third Party Property Damage motor insurance

Covers you for legal liability for loss or damage to another person's vehicle or property when you have insured your car or motorcycle.

CGU provides you with access to a range of value added customer services such as pay-by-the-fortnight premiums (at no additional cost) and a 24-hour Australia-wide Claims Hotline 13 24 80

Online Claims Form

Additional covers at no extra cost

Uninsured motorist damage

If your vehicle suffers loss or damage as a result of a collision with an uninsured vehicle and you are not at fault, we will cover the cost to repair your vehicle, including towing (up to $5,000, incl. GST).

New car replacement

If your car is a total loss and is less than two years old and has travelled less than 30,000kms, or is between two and three years old and has travelled less than 50,000kms, we'll replace it with a new one, (Comprehensive cover only).

Hire vehicle costs after theft or attempted theft

If your vehicle is stolen, or it is unsafe to drive, ride or tow as a result of theft or attempted theft, we will pay the cost of a hire vehicle up to a total of 14 days, (Comprehensive and Third Party Fire & Theft covers only).

Liability cover up to $30 million

We will cover your legal liability following an incident that causes loss or damage to someone else's property, or death or bodily injury to other people, up to $30 million.

Emergency or temporary repairs

If your car needs emergency or temporary repairs as a result of an incident we have agreed to cover, we will cover the cost of repairs up to $500 per incident.

Optional covers for a little extra

Broaden your your cover by adding options like windscreen extension, which enables you to replace or repair your vehicle's damaged windscreen without paying an excess and without affecting your no-claim bonus.

Get a Quote

An online quote will take less than 3 minutes to complete.

Our other insurance products

Home Insurance

Travel Insurance

Landlords Insurance

Boat & Caravan Insurance

First Choice Home, Fundamentals Home, Motor Vehicle Insurance, Boat Insurance, Caravan Insurance, Travel Insurance, and Landlords Insurance are issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. In offering these products, Bank of us acts under its own AFSL & Australian Credit Licence 236870 and under an agreement with the insurer, CGU. This is general information only and does not take into account your individual objectives, financial situation or needs (‘your personal circumstances’). In arranging this insurance Bank of us acts as an intermediary for CGU, not as your agent. Bank of us does not guarantee any claim or benefit payable under the insurance policy. We receive commission on insurance products details can be found in our Financial Services Guide (FSG). Before making decisions about any of these insurance products you should consider the appropriateness of the information having regard to your circumstances and the applicable Product Disclosure Statement (PDS) and Target Market Determinations, available by clicking on the relevant links in this paragraph.