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.
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
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.
Need Help?
Our friendly team can answer your questions and help find the right cover for you.
Call 08 8925 5901, Monday-Friday, 9:00am to 5:00pm.
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.
Contacting CGU Claims
CGU offers a lifetime guarantee on the workmanship of all authorised repairs, valid for as long as you own the car.
CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home.
Payment Options
Pay fortnightly, monthly or quarterly at no extra cost.
Online Account
For policies purchased or renewed after 16/06/2025, 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 us directly at 08 8925 5901
What changes can I make to my policies using my online account?
The changes you can make to your policies using your online account depend on the specific policies you hold.
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.
This insurance product is distributed by Automobile Association of Northern Territory Inc ABN 13 431 478 529, an authorised representative of the issuer Insurance Australia Limited ABN 11 000 016 722 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 Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from aant.com.au