Find answers to some of the most common questions from our members
The more information you are able to give the CGU claims consultant, the quicker we will be able to process your claim.
You will need to provide the following details:
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.
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. land, etc.
For example, with a claim, if CGU determine that you are not ‘at fault’, 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. CGU will advise if you will need to pay an excess on your claim.
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 Partnered 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. CGU’s Partnered Repairers can respond quickly to urgent repairs such a storm or escape of water incidents to provide emergency assistance and make your home safe.
For queries on existing claims you can call 13 11 82 from 8:30am - 5:00pm (ACST) Monday to Friday
All new and renewed policies for Home & Contents and Landlords Residential Property Insurance will automatically include flood cover. Whether it's from a river or storm water, our flood cover will protect your greatest assets with the cover you need.
CGU will ask for reasonable confirmation of ownership. This will allow us to replace your item or items with the best possible match.
This type of confirmation can vary from item to item, or situation to situation. A combination of receipts, warranty books, credit card or account statements, user manuals, valuation certificate and photos are the preferred methods of confirming ownership.
In the event of a loss you will want to replace any items damaged or stolen with brand new items, so you will need to have enough insurance to cover the replacement cost of all your contents. And think about more than just your 'big ticket' items like the fridge and tv - there are a lot of items of value inside your cupboards too! Remember to add on the cost of replacing clothes, crockery, books etc.
When you make a claim you may need to contribute an amount towards the cost of that claim. This is called an excess.
Your insurance premium can be deducted from an account you nominate on either a monthly, fortnightly or annual basis at no extra cost.
Yes, People's Choice Credit Union offers reduced contents premiums for homes with a local alarm and extra reductions if it's a monitored back to base alarm.
At People's Choice Credit Union we can arrange a policy for you that covers your personal items away from home.
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