Most popular questions...

• What information will I need when lodging a claim?

  The more information you are able to give the CGU claims consultant, the quicker we will be able to settle.

  You will need to provide the following details:

  - Your policy number and type
  - Verify your personal policy details
  - The name of the insured on the policy
  - Detailed description of the incident
  - The date of loss and the loss address
  - Any details of other parties involved (if applicable)

• Do I have a choice of repairer?

  You can choose your own repairer or supplier if you would like to. To do this you will need to provide CGU with a written quote from your chosen supplier. If the quote is found to be fair and reasonable (that is comparable to the quotes CGU have received), then you can engage your repairer or supplier.
  Alternatively you are can choose to use CGU’s managed repairers. This will simplify the process and save time. CGU’s supplier network is extensive and can provide you with prompt attention at a time that is convenient to you.

• When do additional and multiple excesses apply?

  Additional excesses apply for the following claim types:
  - An earthquake
  - Tsunami
  - Vandalism or malicious acts by tenant or visitor
  - Deliberate or intentional acts by tenant or visitor
  - Theft by tenant
  - Rent default
  - Accidental damage by tenant.
  Multiple excesses will apply when there are a number of separate identifiable events. Where there are multiple areas of damage (e.g. malicious or deliberate) and CGU cannot clearly identify each as a separate event, a common sense approach needs to be adopted in the application of excesses.

• What is the difference between Loss of Rent and Rent Default?

  Rent Default applies when a tenant fails to pay the agreed rent and is in breach of a written, rent agreement or periodic tenancy agreement.
  Loss of Rent applies when your building or sections of your building suffer loss or damage and are uninhabitable. As a result, you will be covered for any loss of rent equal to the weekly amount as stated on your rental agreement or periodical tenancy agreement for up to 12-months. The most that will be paid is up to the sum insured, as listed on your schedule.
  Note: Rent Default and Loss of Rent are noted as optional cover; when purchased they will be included on the most recent schedule.

• How do I make an insurance claim?

  Making a claim is easy. Just call CGU on 13 24 80 and quote your policy number. You can make a claim 24 hours a day, seven days a week.

  Have an existing policy? Here is a list of contact details for our insurers.

More questions...

• What happens when I make a claim?

  Once your claim is lodged with CGU, they will allocate a claims consultant who will contact you with the next step. Your claims consultant will keep you informed about your claim's progress along the way.

  CGU will give you a claim number which will be your ongoing reference to the claim. You can use this reference for all claims enquiries when providing information to CGU on your claim.

  Some claims are simple but others are more involved - either way, you can be sure that CGU will be working as quickly and efficiently as possible to process your claim.

• What happens with my excess?

  All excesses are specified in your insurance policy schedule or policy booklet and conditions regarding the payment of your excess will vary depending on the policy type, i.e. motor, land, etc.
  
  For example, with a motor claim, if CGU determine that you are not ‘at fault’ in an incident, CGU will not deduct the excess specified in your insurance policy when CGU settle your claim. However, if CGU determine you are ‘at fault’, the excess will apply.

• How can I find out how my assessment or repair is progressing?

  For queries on motor assessments and repairs you can call 13 24 80 (13 CGU 0) from 8.00am to 5.00pm ACST Monday to Friday.