A range of cover options
Getting car insurance can cover your vehicle for loss and damage.
Comprehensive Plus
The top-tier insurance policy you can purchase, providing coverage for a range of events.
Comprehensive
Coverage for a range of insured events, including damage from fire, theft, weather, and collisions.
Third Party Property Damage
Coverage for the cost of damage you cause to other people's vehicles or property in an accident.
Third Party Fire & Theft
Helps cover costs if your car is stolen, catches fire, or is damaged by an uninsured driver.
Comprehensive Plus
Comprehensive Plus is the top-tier insurance policy you can purchase through UniHealth. Providing coverage for a range of events, including damage from fire, theft, weather, and collisions.
Unlike Comprehensive Basics and Comprehensive policies, this policy includes extras such as a hire car after an accident and $0 excess on glass repairs.
Additionally, it provides higher value limits for certain coverages. For example, it covers up to $250 for a taxi fare from the scene of an accident or to an authorised repairer, which is higher than the limit included in the Comprehensive policy. For detailed terms, conditions, limitations, and exclusions, please refer to the Product Disclosure Statement.
Includes2:
If your new car is written off in its first three years, CGU tries to replace it with a similar new car1
Covers anyone you let drive your car
Theft, storm damage, fire and flood
Damage from an accident
Damage if you cause an accident
$0 excess for glass damage
Hire car after any incident CGU cover
Cover for baby capsules and baby seats if they’re stolen or damaged in an accident.
Optional cover
- Choose any repairer - Add an option to pick any licensed repairer to fix your car.
Comprehensive
Comprehensive Car Insurance policy provides coverage for a range of insured events, including damage from fire, theft, weather, and collisions.
It also covers any damage your car may cause to other people’s vehicles and property. Seeking flexibility? This policy allows you to add extras like no excess for glass damage and the option to choose your repairer.
For detailed terms, conditions, limitations, and exclusions, please refer to the Product Disclosure Statement.
Includes2:
If your new car is written off in its first two years, CGU tries to replace it with a similar new car1
Covers anyone you let drive your car
Theft, storm damage, fire and flood
Damage from an accident
Damage if you cause an accident
Cover for baby capsules and baby seats if they’re stolen or damaged in an accident.
Optional cover:
- Choose any repairer - Add an option to pick any licensed repairer to fix your car.
- $0 excess for glass damage - Add an option to avoid paying an excess when you claim for glass damage only (like to your windscreen or windows).
- Hire Car after any accident CGU covers - Add an option to get a hire car or alternative transport if your car can’t be driven after any incident CGU cover.
Comprehensive Basics
Comprehensive Basics Car Insurance is an entry-level policy that provides essential coverage.
It protects your car from damage caused by collisions, fire, theft, and adverse weather conditions. Additionally, it covers any damage your 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 a hire car or $0 glass excess, you might want to consider Comprehensive or Comprehensive Plus policies.
Includes1:
Covers anyone you let drive your car
Theft, storm damage, fire and flood
Damage from an accident
Damage if you cause an accident
Covers your car if it’s stolen, vandalised, or damaged during a theft attempt
Taxi fare after an accident.
Third Party Property Damage
Third Party Property Damage Insurance covers the cost of damage you cause to other people's vehicles or property in an accident.
Additionally, if an uninsured driver damages your car, you're covered up to $5,000.
For extra protection against theft or fire, consider Third Party Fire & Theft Insurance.
This summary highlights the differences between car insurance options. For detailed terms, conditions, limitations, and exclusions, please refer to our Product Disclosure Statement.
Includes1:
Covers damage to your car if an uninsured driver causes an accident (up to $5,000)
Covers damage to other cars if you cause an accident
Covers towing to a safe place if an uninsured driver causes an accident
Cover for damage you cause to other people's cars or property in an accident (up to $20 million).
Third Party Fire and Theft
Third Party Fire & Theft Insurance helps cover costs if your car is stolen, catches fire, or is damaged by an uninsured driver. It also provides coverage for damage you cause to other people's vehicles and property in an accident.
This insurance includes all the benefits of Third Party Property Damage Insurance, with added protection for fire and theft. This summary outlines the differences between car insurance options. For detailed terms, conditions, limitations, and exclusions, please refer to our Product Disclosure Statement.
Includes1:
Covers for damage to your car caused by fire (up to $10,000)
Covers damage to your car if an uninsured driver causes an accident (up to $5,000)
Cover your car if it’s stolen or damaged by someone trying to steal it (up to $10,000)
Covers damage to other cars if you cause an accident
Covers towing to a safe place if an uninsured driver causes an accident
Cover for damage you cause to other people's cars or property in an accident (up to $20 million).
Here for you 24/7
Unfortunate events are often also unexpected. That’s why you can call 13 24 80 at any time to make a claim.
Make a claim: 13 24 80
Still have questions?
Need to chat with a human? Call us on 13 22 94 between 8am and 8pm.
Call us: 13 22 94What you need to know
Teachers Federation Health Limited ABN 86 097 030 414 (TFHL) is authorised to deal in general insurance products on behalf of the insurer, Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand (CGU). If you take out an insurance product on or before 28 June 2025 with CGU, it will pay TFHL a commission of up to 15% of the premium (exclusive of government charges). The commission will also be paid on any variations to your policy and on renewal. The commissions paid to TFHL are included as part of your premium. If you take out an insurance policy on or after 29 June 2025 TFHL receives no commission. When making decisions about insurance, consider the relevant Product Disclosure Statement and Target Market Determinations. If you have a complaint, you can contact 132 294 or visit the CGU website for information about our complaint resolution process.
Brochures
| 1To get a new replacement car with Comprehensive or Comprehensive Plus following an incident CGU insures, your car must weigh under 3.5 tonnes, and it must have been a new or demonstrator vehicle when you bought it, and less than 24 months old for Comprehensive, and less than 36 months for Comprehensive Plus. New vehicle replacement is not included with Comprehensive Basics. New vehicle must be reasonably available in Australia. 2Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement. The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations. |
| 1To get a new replacement car with Comprehensive or Comprehensive Plus following an incident CGU insures, your car must weigh under 3.5 tonnes, and it must have been a new or demonstrator vehicle when you bought it, and less than 24 months old for Comprehensive, and less than 36 months for Comprehensive Plus. New vehicle replacement is not included with Comprehensive Basics. New vehicle must be reasonably available in Australia. 2Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement. The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations. |
| 1Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement. The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations. |
| 1Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement. The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations. |
| 1Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement. The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations. |