Find the right car insurance for you
Whether you need basic cover or extra protection for your pride and joy, we offer a range of options to explore. Choosing insurance can be complicated, so it’s important to find a policy that suits your needs.
Car insurance through The Capricornian can help you prepare for the unexpected.
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View Product TableComprehensive Plus
Unlike Comprehensive Basics and Comprehensive policies, this policy includes extras such as a hire car after an accident and $0 excess on glass repairs.
Comprehensive Plus is the top-tier insurance policy CGU offers.
Providing coverage for a range of events, including damage from fire, theft, weather, and collisions.
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 (PDS).
✓ If your new car is written off in its first three years, CGU tries to replace it with a similar new car.
✓ Covers anyone you let drive your car.
✓ Theft, storm damage, fire & 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 Plus Disclaimers – What you need to know
To 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.
Excesses 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. View the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD).
Comprehensive Cover
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 (PDS).
✓ If your new car is written off in its first two years, CGU tries to replace it with a similar new car.
✓ Covers anyone you let drive your car.
✓ Theft, storm damage, fire & 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 Disclaimers – What you need to know
To 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.
Excesses 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. View the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD).
Comprehensive Basic
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.
For detailed terms, conditions, limitations, and exclusions, please refer to the Product Disclosure Statement (PDS).
✓ Covers anyone you let drive your car.
✓ Theft, storm damage, fire & 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.
Comprehensive Disclaimers – What you need to know
Excesses 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. View the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD).
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 highlights the differences between car insurance options.
For detailed terms, conditions, limitations, and exclusions, please refer to the Product Disclosure Statement (PDS).
✓ 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)
Third Party, Fire and Theft Disclaimers – What you need to know
Excesses 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. View the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD).
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 the Product Disclosure Statement (PDS).
✓ 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 Property Damage Disclaimers – What you need to know
Excesses 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. View the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD).
| 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. | ✗ |
| Partner Repairer | ✓ | ✓ | ✓ | ✓ | ✓ |
| Cover for liability | ✓ | ✓ | ✓ | ✓ | ✓ |
| Additional benefits | |||||
| Baby capsules and child seats | ✓ | ✓ | ✓ | ✓ | ✗ |
| Emergency Repairs | ✓ | ✓ | ✓ | ✓ | ✗ |
| Emergency Transport and accommodation | ✓ | ✓ | ✓ | ✓ | ✗ |
| Fire extinguisher replacement | ✓ | ✓ | ✓ | ✓ | ✗ |
| Hire vehicle or alternative transport after not at-fault incident | ✓ | ✓ | ✗ | ✗ | ✗ |
| Hire vehicle or alternative transport after theft | ✓ | ✓ | ✗ | ✓ | ✗ |
| Incorrect fuel | ✓ | ✓ | ✓ | ✗ | ✗ |
| Legal representation at coronial inquiry | ✓ | ✓ | ✓ | ✓ | ✓ |
| Lifetime repair guarantee (on authorised repairs) | ✓ | ✓ | ✓ | ✓ | ✓ |
| Methamphetamine contamination | ✓ | ✓ | ✓ | ✓ | ✗ |
| New vehicle replacement | ✓ | ✓ | ✗ | ✗ | ✗ |
| Personal Items | ✓ | ✓ | ✗ | ✗ | ✗ |
| Replacement of keys and locks | ✓ | ✓ | ✓ | ✗ | ✗ |
| Taxi fare | ✓ | ✓ | ✓ | ✗ | ✗ |
| Temporary Cover for replacement vehicle | ✓ | ✓ | ✓ | ✓ | ✓ |
| Tools of trade | ✓ | ✓ | ✗ | ✗ | ✗ |
| Towing | ✓ | ✓ | ✓ | ✓ | ✗ |
| Trailer or caravan attached to Your Vehicle | ✓ | ✓ | ✓ | ✗ | ✗ |
| 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’ | ✓ up to the Market Value of Your Vehicle to a maximum of $5,000 only | ✓ up to the Market Value of Your Vehicle to a maximum of $5,000 only |
| Vehicle pick-up and return | ✓ | ✗ | ✗ | ✗ | ✗ |
| Vehicle storage costs | ✓ | ✓ | ✓ | ✓ | ✗ |
| Optional Benefits | |||||
| Excess free glass extension | Automatically included | Optional | ✗ | ✗ | ✗ |
| Hire Vehicle or alternative transport after incident | Automatically included | Optional | ✗ | ✗ | ✗ |
| Any repaired option | Optional | Optional | ✗ | ✗ | ✗ |
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 (PED).
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.
A car insurance claim is a request that you lodge to your car insurance provider when you have suffered damage or loss.
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.
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.
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.
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 Capricornian Ltd ABN 54 087 650 940 AFSL / ACL 246780 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand.
Any advice provided 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 the Product Disclosure Statement (PDS) and Target Market Determinations (TMD).
