What cover do you need?
Protect from the unexpected with our range of coverage across home and contents insurance
Building and Contents Insurance
Protect your home inside and out with combined Building and Contents Insurance.
Your buildings and items will be covered for a range of incidents. Plus, CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home.
And if you’re looking for the highest level of cover, choose Building & Contents Plus when you’re getting a quote.
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Includes:
Optional Cover:
Choose Home Building Plus when you’re getting a quote.
Building and Contents Plus gives you:
A Safety Net of an extra 25% on top of your sum insured, if your home needs to be rebuilt or repaired.
Plus, 2 years’ temporary accommodation if you can’t live in your home, instead of 12 months with Building and Contents Insurance Standard.
Plus, higher limits on some inclusions, like food spoilage and landscaping.
Read the Product Disclosure Statement to see exactly what’s included.
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Building and Contents FAQs
Yes, you can. The calculation provided is just a guide. It's your responsibility to ensure your home is insured for its full replacement value. However, if you insure your home or contents for more than the cost to repair, replace, or rebuild, CGU will only pay the actual cost of repairing, replacing, or rebuilding.
Accidental damage cover protects you when unexpected mishaps occur around your home. For instance, it would cover you if your child accidentally knocked over the TV and broke the screen, or if you accidentally put your foot through the ceiling while in the roof. Whether your building, contents, or both are covered depends on your policy. Accidental damage cover can be added as an optional benefit to your Building Standard policy. If you upgrade to Building Plus, it’s automatically included.
Yes, you can choose who repairs your home. However, if you decide not to use one of CGU’s partner repairers, they won't be able to guarantee the workmanship or repairs that are completed, nor assist in managing the repairer regarding timeframes or quality. CGU will also only pay you the fair and reasonable amount that the repairs should cost.
1 | CGU doesn’t cover actions of the sea, such as tides and waves.
2 | If you have Contents Insurance, and you're renting the home (a tenant), CGU pays the reasonable extra rent costs for temporary accommodation. If you own and live in your home (and it's part of a strata or similar scheme), CGU cover the reasonable costs of temporary accommodation. If you have Building Insurance with CGU Insurance, and you own and live in your home, CGU covers the costs for temporary accommodation that CGU agrees are reasonable and appropriate for you. Additional limits, exclusions and conditions apply.
3 | Cover applies if the incident happens at your home (under Building insurance), and away from your home but still in Australia (under Contents insurance).
4 | CGU doesn't cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use.
5 | CGU covers motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.
6 | Portable items are covered for loss, theft and accidental damage. Cover is up to $10,000 for each item unless you list it separately for more. There are other limits for items taken outside Australia or New Zealand, check the PDS. CGU don’t cover scratches and dents or items being cleaned or repaired. CGU doesn’t cover fishing equipment, sporting equipment, drones, musical instruments or firearms while they’re in use. CGU doesn’t cover bicycles while they’re being used in a competitive race or time trial.
Excesses 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. The Product Disclosure Statement and Target Market Determinations are available for reference. The Premium, Excess and Discounts Guide is available for reference here.
Building Insurance
Protect your home with Building Insurance.
If your home is damaged or destroyed by a covered incident, CGU will cover the cost to repair or rebuild it, up to the sum insured.
Additionally, if you can't live in your home due to damage from a covered incident, CGU help cover the costs of temporary accommodation for up to a year.
For more comprehensive coverage, consider choosing Building Plus when you get a quote.
And if you’re looking for the highest level of cover, choose Building & Contents Plus when you’re getting a quote.
Includes:
Optional Cover:
Choose Building Plus when you’re getting a quote.
Building Plus gives you: A Safety Net of an extra 25% on top of your sum insured, if your home needs to be rebuilt or repaired.
Plus, 2 years’ temporary accommodation if you can’t live in your home, instead of 12 months with Building and Contents Insurance Standard.
Plus, higher limits on some inclusions, like landscaping.
Read the Product Disclosure Statement to see exactly what’s included.
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Building Insurance FAQs
Yes, you can. The calculation provided is just a guide. It's your responsibility to ensure your home is insured for its full replacement value. However, if you insure your home for more than the cost to repair, replace, or rebuild, CGU will only pay the actual cost of repairing, replacing, or rebuilding.
Accidental damage cover protects you when unexpected mishaps occur around your home. For instance, if you accidentally put your foot through the ceiling while in the roof. Whether your building is covered depends on your policy. Accidental damage cover can be added as an optional benefit to your Building Standard policy. If you upgrade to Building Plus, it’s automatically included.
Yes, you can choose who repairs your home. However, if you decide not to use one of CGU’s partner repairers, they won't be able to guarantee the workmanship or repairs that are completed, nor assist in managing the repairer regarding timeframes or quality. CGU will also only pay you the fair and reasonable amount that the repairs should cost.
.
1 | CGU doesn’t cover actions of the sea, such as tides and waves.
2 | If you have Building Insurance with CGU Insurance, and you own and live in your home, CGU covers the costs for temporary accommodation that CGU agrees are reasonable and appropriate for you. Additional limits, exclusions and conditions apply.
3 | Cover applies if the incident happens at your home (under Building insurance).
4 | CGU covers motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.
Excesses 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. The Product Disclosure Statement and Target Market Determinations are available for reference. The Premium, Excess and Discounts Guide is available for reference here.
Contents Insurance
Get cover for items in your home, even if you accidentally leave a window or door unlocked.
Additionally, you can add a portable contents option to cover items like laptops or jewellery that might get lost or stolen when you're out and about.
For premium contents cover, choose Contents Plus when you're getting a quote.
Includes:
Optional Cover:
Choose Contents Plus when you’re getting a quote.
Contents Plus gives you 2 years’ temporary accommodation if you can’t live in your home, instead of 12 months with Contents Insurance standard.
Plus, motor burnout and accidental damage automatically included.
Plus, higher limits on some inclusions, like food spoilage.
Read the Product Disclosure Statement to see exactly what’s included.
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Contents Insurance FAQs
Yes, you can. The calculation provided is just a guide. It's your responsibility to ensure your home is insured for its full replacement value. However, if you insure contents for more than the cost to repair or replace, CGU will only pay the actual cost of repairing or replacing.
Accidental damage cover protects you when unexpected mishaps occur around your home. For instance, it would cover you if your child accidentally knocked over the TV and broke the screen. Whether your contents are covered depends on your policy. Accidental damage cover can be added as an optional benefit to your Contents Standard policy. If you upgrade to Contents Plus, it’s automatically included.
General Contents: These are items you keep in and around your home that aren't permanently attached to the structure, like furniture.
Valuable Contents: These are part of your general contents but have a coverage limit of $2,500 in total for all items in the following categories: Works of art – Collections – Jewellery and watches. You can insure items in these categories for higher amounts by opting for Valuable contents as an additional benefit.
Portable Contents: These are items that you or your family can take outside of your home. Coverage for these items is only available if you choose Portable contents as an optional benefit.
General contents held in storage can be covered under Home Insurance policy if you inform CGU before moving your items into storage and if CGU's acceptance criteria are met. Refer to the Product Disclosure Statement for information on items not covered while in storage. Please note that Valuable Contents are not covered while in storage.
1 | CGU doesn’t cover actions of the sea, such as tides and waves.
2 | If you have Contents Insurance, and you're renting the home (a tenant), CGU pays the reasonable extra rent costs for temporary accommodation. If you own and live in your home (and it's part of a strata or similar scheme), CGU cover the reasonable costs of temporary accommodation.
3 | CGU pays up to $500 for Contents Standard, or up to $2,000 with Contents Plus.
3 | Cover applies if the incident happens at your home (under Buildings insurance), and away from your home but still in Australia (under Contents insurance).
4 | CGU doesn't cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use.
5 | CGU cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.
6 | Portable items are covered for loss, theft and accidental damage. Cover is up to $10,000 for each item unless you list it separately for more. There are other limits for items taken outside Australia or New Zealand,check the PDS. CGU don’t cover scratches and dents or items being cleaned or repaired. CGU doesn’t cover fishing equipment, sporting equipment, drones, musical instruments or firearms while they’re in use. CGU doesn’t cover bicycles while they’re being used in a competitive race or time trial.
Excesses 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. The Product Disclosure Statement and Target Market Determinations are available for your reference. The Premium, Excess and Discounts Guide is available for reference here.
Things you should know
Claims Information
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.
Claims Guarantee
CGU offers a lifetime guarantee on the workmanship of all authorised repairs, valid for as long as you own the car.
Payment Options
Choose your cover and pay fortnightly, monthly or quarterly at no extra cost.
Require a previous version of the PDS, TMD or KFS?
To obtain a PDS, TMD or KFS for an insurance policy that was issued before 10 March 2025 please contact CGU directly on 1300 943 690
Online Account
For policies purchased or renewed after 3/03/2025, you can make certain updates online, such as adjusting your excess amounts or optional benefits.
Simply log in to your account to see the available options. For assistance, call CGU at 13 24 81.
For significant changes, like purchasing a new car, please call MOVE Bank directly at 1300 362 216.
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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Australians have trusted CGU with their insurance for over 165 years
Railways Credit Union Limited trading as MOVE Bank ABN 91 087 651 090, AFSL 234 536 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited under the CGU brand ABN 11 000 016 722, AFSL 227681. 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 and Target Market Determinations from movebank.com.au/insuranceproducts. The Premium, Excess and Discounts Guide is available for reference here.
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Railways Credit Union Limited trading as MOVE Bank | ABN 91 087 651 090 | AFSL/Australian credit licence 234 536 | BSB 724 100 | Swift code WPACAU2S