CGU Home and Contents Insurance

We use CGU for our hobby farm, domestic home and contents insurance. I love that we can easily ask questions via e-mail to the customer service team regarding our insurance options. Everything is listed in writing and no question is too silly for them to answer. I feel like I know exactly what we are covered for. Everything is a breeze.

We slipped down a hill and smashed our tractor just after purchasing it, and only a few days after signing up with CGU! We were SO scared that they wouldn't approve our claim. To our relief, CGU approved the claim with absolutely no trouble. When given the option to either buy parts individually (cheaper for CGU) or replace the entire front end loader, they replaced the loader to ensure we had our tractor back as quickly as possible. It made such a difference to us as we were able to continue with our work.

CGU is hands down the best insurance company I have ever dealt with. I'm not sure how they compare in price but the ease they are to deal with and the claims process mean we wouldn't ever consider going to another insurance company, regardless of price.

Highly Recommended!

We joined up with CGU last year on a recommendation and we had a tree go through our roof yesterday in a storm, and instead of bothering emergency services we got onto CGU. Amaaaazing response and instant help, an electrician was at our door within an hour and the roof was repaired to stop further damage not long after. Within 24 hours the tree was cut and wood tidily stacked and any debris cleared all whilst taking care to do no further damage. We are so impressed and recommend them to anyone who is considering household insurance. Thank you for making what was a very stressful situation a breeze to nagivate.

Dont go there! We are struggling big time because of cgu, its been about four months now, we keep calling and they keep ignoring us. If you are with cgu jump ship! I couldnt stress this enough

just moved my policies to CGU and i am now covered for what NRMA denied my claim for and the premiums are less, lets hope if i have to claim they still achieve 5 stars

I have been with CGU for nearly 20 years with 2 claims in that time. First one took ages to sort after a cyclone because they tried to get out of paying. Now this one is post a break in, initial approved but wouldn't pay it cash but wanted me to use 'their preferred shops'! They get kickbacks of course. They then reversed part of the claim and then low balled me due to wanting cash due to living remote and needing to defer purchases. It is a cheap practice as most people will struggle to prove ownership of things older but stolen!! I've been robbed twice, now by CGU... They put the FU in CGU. Do not insure with CGU or anything owned by AIG!!! Oh, don't get ducked in by what they say either, money is their ultimate goal, not you!!

Customer service is appalling.

1) I had to call them three times to make a claim against one of their policy holders. It took month!
2) I was supposed to get a call to confirm my appointment to get my car fixed (3 months after accident) - NOTHING - I had to call them!
3) I was supposed to get a hire car - NOTHING - I am on hold for over 50 minutes!!! Worse than Centrelink!!!!

If I ever considered moving insurance companies - I certainly wouldn't change to CGU!

Been with them for years as they have the best landlords insurance unfortunately. When I do make a claim the service is so slow and they never reply to emails - you have to follow up with a call to get a semi decent response. To add to that I've been asking for paperless for years but they still send invoices in the mail with T & C's which are available online.

Been with CGU insurance for 4 years now, in the beginning service was great. The claims process was very efficient. Seems like they have moved the operations to overseas and its just gone terrible. it seems like speaking to some kids who don't understand the claims process. sorry CGU I will be moving all my insurances from your company soon.

I have dealt recently with CGU, I find it very hard to believe that they can achieve more than one star, one star is actually too high a rating for a company that can make an open and shut case claim seem like a real long shot that you will be compensated for your loss. They take the money every month without fail, but seem to have lost sight of why. This site should allow more options such as half a star, a quarter star, maybe even a pig emoji. I will move on to a different insurer wiser for the experience.

I was convinced by my credit union (why are they selling insurance anyway?) to change to CGU. In trust I transferred across to CGU and 6 months later a storm damaged part of the asbestos fence at the back of the property. It has fallen over. they say they won't pay anything because it has fallen over but isn't damaged??? and that the bottom strut that was holding it was rusted. I only moved in 6 months ago. my neighbours insurance company, which by the way was the one I was with prior to CGU, has no problem paying out immediately for his half of removal of the fence and replacement. so now I have to spend time going through the insurance ombudsman asking for assistance. CGU never had much of a reputation, I was reluctant to change over but the bank manager said if they ever give me a hard time he would advocate for me because they want the credit union's custom. Of course the bank manager won't look at it and won't do anything. He's probably skulking under his desk somewhere. Counting the money CGU gives him for conning customers. Both the Credit Union representative and CGU have behaved unethically. Do you guys really want that kind of reputation? you cant hide behind an inhuman business wall all the time surey? this is people who pay you in trust, your families, your friends, people who struggle, don't you get embarrassed at your dishonesty? I'll be letting my networks know of this poor response.

Have had a problem with a fencing issue. Have asked for technical assistance as suggested by council. Its now been three weeks have phone just about every day, numerous times a day and have not got anywhere. Keep being told that we will receive a call back from supervisor's etc. No calls have been returned. When you phone them and the phone drops out they never call back.
I have been with this company for over 30 years, have numerous properties insured with them and this is how they treat you.
I am now looking for a new insurance company for 3 properties and am going to get in touch with the insurance ombudsman and A Current Affair, I'm sure [name removed] going to love this story.

Would I recommend this company definitely NOT.
Not impressed with anything from this company at all

While we were holidaying a pipe burst in the ceiling of our home. This resulted in considerable damage making the house uninhabitable. CGU arranged for work to commence the day we reported the damage. They paid for alternative accommodation whilst the building was repaired. The damage was repaired to a very high standard, carpets and damaged furniture replaced, etc. I could not fault the service they provided. They phoned three months after we moved back into the house to ascertain that everything was okay.

My husband and I recently purchased home contents insurance through CGU and were affected by the Townsville floods. CGU accepted our claim initially, sent assessors to inspect the damage and offered us immediate financial assistance then did a complete backflip stating we weren’t covered due to a technicality. Due to their misrepresentation and direction, we disposed of our damaged contents and now they are saying they are not liable for anything. We have lost our entire home and have nothing left. It’s an absolute disgrace, considering we are both serving members of the ADF and were involved in the flood response.

I've been with CGU on and off for well over 20 years, for both house and car. In that time l have made a few claims and have found that every single claim experience has been simple and fast. I have switched over the years to other insurers as they offered cheaper premiums and excess but when it came to making a claim they used every trick in the book not to assist. So l have always come back to CGU, l recommend them over any other insurer l have tried.

After being with CGU for 27 years made few claims and have been paying premiums on all policies of over $10000 a year for the last 15 years. We had a leek from our roof that damaged carpet in a downstairs bedroom and upstairs lounge area where a large section of carpet had to be removed. After making a dispute on our claim of just covering the lounge and not the joining dining/formal room upstairs which we can’t match the carpet, if we have to settle for the one room we will have pay for the other room ourself. I thought we paid for premium insurance but only get average cover. For the sake of $3000 that they won’t come to the party for we will be taking our $10,000 premiums elsewhere.

Daylight robbery is essentially what they do. I had a ceiling collapse in my garage. The assessor sent out by CGU and a private assessor I hired myself said that this happened at no fault of mine and the house and roof was in immaculate condition and that there was insufficient amount of glue in the ceiling which no one could have known at the time of buying the house. CGU denied the claim saying it was "wear and tear". The house is 10 years old - ceilings that are immaculate do not fall off due to wear and tear. Highly recommend you avoid them! They also never check emails and frequent "disconnect" the phone mid conversation if they can't come up with a rebuttal.
I think one just needs to look at the majority of reviews on this website to see that CGU is running a con job with no integrity and respect in the work that they do. For about $100-150 more, you could get much more trustworthy insurance (eg: RAA). Highly recommend to avoid!!

Hi

I am ultimate health member of Bupa and have CGU insurance as well. They have been good so far with me. Recommended

Six years with you and paying you for service that is not worth paying for, put in a damage claim and it has been the worst customer service I have ever received. That is if you call me having to contact you again and again and then offered a replacement at half the price shame on you CGU will be removing all my insurance from you.

Came back from holidays noticed that the timber floor is damaged due to water leak. CGU rejected the claims based on the fact that they could not find the cause of the leak !

3 insurance policies consistent for 11 years with not one claim for anything. CGU just screwed me on one of the policies due to a slight circumstance change. They basically won’t insure me because one of my buildings is vacant now. It’s a pity I didn’t know this last month when I renewed because I would of found someone elsewhere takes their business more seriously to take all 3 policies. CGU obviously are good at taking your money when it suits them. They are obviously a company of scumbag thieves and rogues disguised in nice suits. I am certainly now of the belief that the CEO is a money hungry maggot.
God help you if your house burns down.
Do not be tricked and deceived by these filthy dogs.