Legal costs
Public liability covers the legal costs incurred in the defence or settlement of a liability claim.
Content modules
Content modules focus on providing large amount of information displayed clearly and visually reinforced with small imagery and iconography. Content modules vary from Introductions with feature highlights to detailed Comparison tables and everything in-between.
Content Modules Navigation
- Introduction - Short
- Introduction - Feature
- Introduction - Long
- Three Up Tiles - Basic
- Three Up Tiles - CTA
- Three Up Tiles - Carousel
- Product List
- Comparison Table
- General Content
- 2 Column Content
- Tab Panel
- FAQs
- FAQ Tiles
- Insights
- Tabbed Content
- Call to Action - Text
- CTA Cards
- Downloads
- Related Articles
- Related Products
- Tables
- Sub-Page Navigation
- CTA Panel
- Learn Panel
- Help Panel
- Disclaimer
Introduction - Feature
Protect your business against claims resulting from accidents or injuries that occur as result of your business activities, as well as damage to property owned or controlled by someone else.
What public liability insurance covers
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Damage to property
Covers the costs of physical loss, destruction, or damage to tangible property during the course of your business operation.
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Injury to a third party
Covers the costs of injuries to third parties, as well as first aid expenses for injuries due to your business operations.
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Loss or damage of goods in your care
Cover for loss or damage of goods which are in your care, custody or control, which you do not own.
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Others acting on your behalf
Liability arising out of damage caused from the act of others acting on your behalf.
This is a summary only, for the full details of what is and is not covered, please read the Business Insurance Product Disclosure Statement.
Why choose CGU
Module description:
The Introduction – Feature module should be used when there are more features to highlight then the Short module can accommodate. Each feature should use a related or custom Feature icon, short title and description.
Introduction modules should always sit directly below a Header module, as the second module on a page.
Requirements:
- Title (max 60 characters)
- Introduction text (paragraph content)
- Feature icons with descriptions (max 6)
- Each Feature icons should have: Feature Icon, Title (max 30 characters), Short Description (max 150 characters)
- Variation 1 option: The last Feature icon can include a Call to Action button instead of a Short Description
Introduction - Long
Love your car? You’ll love our comprehensive cover
Whether you’ve saved every penny for the car of your dreams or simply want the reassurance that you won’t face big bills in the event of an accident, you’ll love our Comprehensive Car Insurance. Our most popular level of car cover comes with a range of optional extras to make it easier than ever for you to shape your car insurance to your lifestyle – and get back on the road again faster.
It’s called comprehensive for a reason
You’re covered for accidental damage, malicious damage, theft, fire, flood or storm; as well as any damage caused to another person’s vehicle or property.`
$30 million liability cover
Looking for total peace of mind? Find it with our extensive liability cover.
Get a shiny new car
If your new(-ish) car’s a write-off, we may replace it with a brand new one under your comprehensive policy.
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Personal items
If personal items are damaged in an incident or stolen from your locked car, we will cover the cost to repair or replace them up to $500 (inclusive of GST).
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Baby capsules
If baby capsules or child seats are damaged while in your vehicle or stolen from your vehicle, we will cover the replacement cost.
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Hire car costs after theft
optional extraIf your car is stolen, or it is unsafe to drive, ride or tow as a result of theft or attempted theft, we will pay (inclusive of GST) the cost of a hire car. We will pay this cost from the time the theft or attempted theft occurred until your car is recovered and repaired, or until we settle your claim if your car is a total loss, up to a total of 14 days, whichever is the shortest period of time.
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Earned no claim bonus
We will provide you with one at-fault claim during your period of insurance without it affecting your No Claim Bonus if you are eligible and have held your driver’s licence for eight years or more, and not had any at-fault incidents in the last two years.
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Emergency or temporary repairs
If your car needs emergency or temporary repairs so that it can be driven or used, we will cover the cost of repairs, up to $500 (inclusive of GST) per incident.
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Towing or transport of your vehicle
optional extraIf your vehicle is damaged in an incident and cannot be driven or used, we will tow it from the scene to a place of safety, the nearest repairer, or any other place we agree to.
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Re-coding locks after theft of keys
If the keys of your car are stolen, we will cover the cost to repair and re-code your locks and barrels, up to $1,000 (inclusive of GST).
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Windscreen extension
We will cover the costs of to repair or replace the windscreen or window glass of your car if there is no other damage. This option allows you to make a claim once during your period of insurance without paying excess, and without it affecting your No Claim Bonus. You will need to apply for this cover, and pay an additional premium.
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Trailers attached to your car
optional extraIf a trailer suffers loss or damage while attached to your vehicle, we will pay the cost to repair or replace it, up to $1,000 (inclusive of GST) whichever is the least amount.
Got 3 minutes? Get a quote today
Get a quick quoteModule description:
The Long variation of the Introduction module provides the most content space out of any of the Introduction modules. The highlight features are limited to a maximum of 3, but an additional 9 can be displayed in a slightly smaller format. Feature icons should be used for the highlight features, while Universal icons should be used for the additional features.
Introduction modules should always sit directly below a Header module, as the second module on a page.
Requirements:
- Title (max 60 characters)
- Introduction text (paragraph content)
- Feature icons with descriptions (max 3)
- Each Feature icons should have: Feature Icon, Title (max 30 characters), Short Description (max 150 characters)
- Feature Call-Out (max 9)
- Each Content Call-Out should contain: Universal icon, Title (max 30 characters) Short Description (max 150 characters)
Three Up Tiles - Basic
What sets us apart
Simple 24/7 claims
When you need to claim, you want it done and dusted. We make it hassle-free, just give us a call to get started.
Travel insurance experts
Our friendly team has the know-how to get your travel problem sorted. If you need emergency assistance call our team for expert guidance.
Flexible cover options
You’re a unique individual, so don’t settle for one-size-fits-all insurance. We offer a range of insurance options to suit your destination and budget.
Three Up Tiles - CTA
Travelling near or far?
International travel
Heading overseas? Get covered for medical costs, flight cancellations, lost luggage (up to $15,000) and more.
Tell me more
Annual multi-trip
Travelling in Australia? We cover cancellations, rental car excess2, and more on your next Aussie holiday.
Tell me more
Domestic travel
Got a few overseas trips coming up? Save time with a multi-trip plan that covers you for a whole year.
Tell me more
Three Up Tiles - Carousel
Lost stuff? Delayed flight? Weather troubles? We're with you.
Round the clock support
In an emergency, give us a call and we’ll help however we can, with travel information, medical advice, legal referral and much more.
Optional cover for valuables
If you’re bringing your favourite golf clubs, guitar, or surfboard, enjoy the extra protection of cover in case it’s lost, stolen or damaged.
Ski and cruise cover
Yes! You can now be covered on a cruise or on the slopes with our tailored plans for snow trips and cruises.
2 Column Content
Just like family, we’re here when you need us
Claims Support App
Use this app to record all the crucial details after an accident. You can share them with us immediately, or keep as a record for down the track.
Need to make an insurance claim?
Step 1. Call 13 24 80 with your policy number and any other information about the incident handy.
Step 2. We’ll kick off the claims process, and keep you informed every step of the way.
Visit the Claims hubModule description:
The 2 Column Content module is one of the more flexible modules as there are many types of content that can be placed into each column: F.A.Q.’s, paragraph content, image carousels and videos are just some examples.
Pay particular attention to two things when working with this module: 1) Try to make sure both columns have similar amounts of the content. 2) If the LHS column is very text heavy, consider using an image carousel in the RHS column to add visual difference and interest to this module.
Requirements:
- Requirements vary depending on content chosen to be in each column. Follow structure and style of the examples provided where possible.
- Icons: Universal Icons
Tab Panel
Travelling near or far?
View policy types
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I’m travelling overseas
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I’m travelling within Australia
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I’m planning to ski or snowboard
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I’m going on a cruise
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I’m taking valuable items on my trip
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I’m travelling overseas
Choose your plan
Go all-in with platinum, get great premium cover or stick to the basics.
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Platinum: top level cover with unlimited unexpected overseas hospital and
medical costs, unlimited emergency expenses in certain circumstances and plenty of other
inclusions.
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Premium: mid level cover, also with unlimited hospital, medical and emergency
costs, with some exclusions to lower your premiums.
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Essentials: budget-friendly cover that protects you for accidents, unexpected
hospital and medical costs.
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I’m travelling within Australia
The Domestic plan is rock-solid value
Your cover includes:
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Protection for cancelled or rescheduled plans if due to unforeseen circumstances
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Cover for lost, stolen or damaged passports and luggage
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$1 million legal liability cover
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Rental car cover
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I’m planning to ski or snowboard
Get tailored optional cover alongside your fresh mountain air
Do you love skiing or snowboarding? Sadly, getting helicoptered off a mountain is pricey. So get yourself covered, just in case. You’ll get:
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Reimbursement for your precious board or skis if they are damaged, stolen or lost
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Additional cover for hire if your board or skis are damaged, stolen or lost
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Medical and emergency dental cover if you have an accident while skiing or snowboarding
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I’m going on a cruise
Enjoy extra peace of mind on your sea or river cruise
Cruises are back in fashion and you are right on trend. Get additional cruise cover that protects you for:
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Cover for every country listed on your policy
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Reimbursement for medical or emergency dental costs while overseas
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Replacement of your lost, stolen or damaged passports and luggage
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Additional cover for cancelled or rescheduled day trips
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Emergency support and costs to return home if medically necessary
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I’m taking valuable items on my trip
Love your stuff? Get it covered
Don’t fret about the safety of your camera, laptop or jewels. Enjoy them on holiday with extra cover. You can get extra insurance to cover the loss, damage or theft of items such as:
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Sporting equipment including bikes, snowboards and skis, golf clubs and surfboards
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Cameras
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Jewellery
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Phones
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Musical instruments
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Choose your plan
Go all-in with platinum, get great premium cover or stick to the basics.
-
Platinum: top level cover with unlimited unexpected overseas hospital and medical
costs, unlimited emergency expenses in certain circumstances and plenty of other inclusions.
-
Premium: mid level cover, also with unlimited hospital, medical and emergency
costs, with some exclusions to lower your premiums.
-
Essentials: budget-friendly cover that protects you for accidents, unexpected
hospital and medical costs.
The Domestic plan is rock-solid value
Your cover includes:
-
Protection for cancelled or rescheduled plans if due to unforeseen circumstances
-
Cover for lost, stolen or damaged passports and luggage
-
$1 million legal liability cover
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Rental car cover
Get tailored optional cover alongside your fresh mountain air
Do you love skiing or snowboarding? Sadly, getting helicoptered off a mountain is pricey. So get yourself covered, just in case. You’ll get:
-
Reimbursement for your precious board or skis if they are damaged, stolen or lost
-
Additional cover for hire if your board or skis are damaged, stolen or lost
-
Medical and emergency dental cover if you have an accident while skiing or snowboarding
Enjoy extra peace of mind on your sea or river cruise
Cruises are back in fashion and you are right on trend. Get additional cruise cover that protects you for:
-
Cover for every country listed on your policy
-
Reimbursement for medical or emergency dental costs while overseas
-
Replacement of your lost, stolen or damaged passports and luggage
-
Additional cover for cancelled or rescheduled day trips
-
Emergency support and costs to return home if medically necessary
Love your stuff? Get it covered
Don’t fret about the safety of your camera, laptop or jewels. Enjoy them on holiday with extra cover. You can get extra insurance to cover the loss, damage or theft of items such as:
-
Sporting equipment including bikes, snowboards and skis, golf clubs and surfboards
-
Cameras
-
Jewellery
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Phones
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Musical instruments
Module description:
Requirements:
- Requirements vary depending on content chosen to be in each column. Follow structure and style of the examples provided where possible.
- Icons: Universal Icons
FAQ Tiles
What happens if...
I’m in an accident and I require medical treatment?
Medical Cover
We will cover the costs of your unexpected medical treatment and hospital costs.
I lose my passport?
Emergency Hotline
We will put you in touch with relevant local authorities, as well as reimburse you for the costs of replacing your passport.
I have an accident in my rental car?
Rental Vehicle Cover
Car rental excesses are often pricey, so we will cover the hire car insurance excess as stated on your hire car policy.
I get hurt while snowboarding?
Ski & Winter Sports Cover
Ouch. If you have taken out the optional extra cover for snow-based holidays, we will cover your medical expenses.
A volcano erupted and my flights are cancelled?
Emergency Expenses
We will cover reasonable expenses for unexpected cancellation and disruptions caused by a volcano (or other unexpected events).
My expensive laptop is stolen or damaged?
Extra cover for high value items
If you’ve included it in your policy as an optional extra, we will cover the costs for repair or replacement up to the limit.
Insights
We understand that as a small business owner, you can't do it all.
From time to time you need some help. That's why we've given you More Time, the tools and tips to get your balance back and your business on track.
Module description:
Requirements:
General Content
Our people and structure [H2]
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- Lorem ipsum [Nested ordered list]
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More information [H3]
Give us a call [H4]
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Tabbed Content
For Employers Heading
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For more employer information and resources please select your state below.
Module description:
The Tabbed Content module is an alternative version of the 2 Column Content module. This module allows users to switch between different sets of content with a module.
When a user clicks or taps on one of these links, it switches content within the module only.
Requirements:
- Title (max 30 characters)
- Tabs (max 3)
- Each tab should contain: Paragraph content, Imagery
Call to Action - Text
Module description:
Call to Action – Text module provides an area for up to three targeted call to actions along with a short title and description. This module works best when the call to actions provided are alternatives to each other, as per the example above.
Requirements:
- Title (max 30 characters)
- Introduction text (paragraph content)
- Call to Action buttons (max 3)
- Dark button style only to be used when a third button colour is required. Not to be used in any other circumstance
CTA Cards
Get covered quickly
Public Liability
Protect your business against liability claims including personal injury and property damage.
Get a quick quote
Trades insurance
Whether you’re a plumber, electrician or painter, our trades insurance provides cover for your tools, vehicles and public liability.
Get a quick quote
Professional indemnity
Protect your business against legal damages where your professional services or advice caused loss to your clients.
Get a quick quote
Module description:
Requirements:
Learn Panel
How does Airtasker work?
- Post your task and where you need it done (online or at home)
- Select the right Airtasker for the job based on reviews
- Message the Airtasker to make arrangements
- Once the task is complete, release payment and review
Module description:
Requirements:
Help Panel
We’re here when you need us
I need emergency assistance
Call our 24-hour emergency hotline if you have any difficulties while travelling.
I need to make a travel insurance claim
It’s simple and easy to make a claim, simply call us to get started.
I would like to read
the PDS
You can download the travel insurance product disclosure statement (PDS) here:
Disclaimer
Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 is the administrator of the insurance cover provided under CGU Life. The insurer is AMP Life Limited ABN 84 079 300 379 AFSL No. 233671, a member of the AMP Group
Module description:
The Disclaimer module allows for an area to provide disclaimer or footnote information
This module should be placed at the end of the page.
Requirements:
- Text only