Policy number 06C 1122973 08, Home & Contents Insurance due near end of next month, now senior am I entitled to a discount on my policy if so what do you require me to do. Regards Campbell Shanks
Maybe talk English and everyone would know what your asking.
Hi Campbell, we are here to help. Please message CGU Insurance Facebook via private message using this link external link with your details, and let the team know you came from Product Review so we can assist you further. Many thanks. ~ Cindy
CGUs insurance accepted our claim, there builder took two years longer to completely rebuild the building than the original completion date. The building is not to code. CGUs lawyers have agreed the the building has not been built to the building standards and there are erroneous building certificates and compliance certificates.. The first site supervisor was sacked, two plumbers, several chippies, trades and plastered were sacked. Senior management had a meeting on site about the mess created. CGUs loss adjuster and engineers said it was the second worst rebuild they had seen The new senior site supervisor said it was the worst in his career, blaming poor quality trades. Eventually the flames manager quit and the state manager. Prior to the certificate of final inspection the new senior site supervisor quit. CGUs also admitted the CFI was also a erroneous certificate. All I wanted was property built to code and trade quality. CGUs builder quoted $220k to fix a one bedroom unit, they then had trades on site for another 18 months, so at least another $200k. I have a framing inspection for a motel BCA class 5 which I pointed out early 2020. The trades stole equipment on site, they used it as a dumping site, the piddled on the walls and shat behind the skip bin. They broke into a shed, damaged fences, upset neighbours, left asbestos on site and way more product arrived than what was needed. Many trades helped themselves to this mates rares products. CGU have now made a decision to cash style the claim, I was not given a choice. AFCA it would seem agree. I do not have time nor the capital to fix the unit correctly. They have indicated I need to to mitigate my losses. I have no choice, without consent they are depositing the money in my account. Turkey / Syria here we come. To Mitigate my losses as per CGU and AFCA I have no choice than to sell the unit. I have all the signed compliance certificates from the surveyor so legally I a covered. When the new metal awnings fell off the unit three days after being installed and there was potential for the sharp cladding blowing down the street with potential for serious harm CGU refused to fix it as a safety emergency, they just said I was covered by my $20m liability. Does the government and your share holders know this is how you run your business and what you think of public safety?
Hi John, we would encourage you to lodge a complaint if you are unhappy with your claims experience. You can lodge it at this link external link ~Kaz
Hi. I’d be interested to hear of peoples experiences of CGU in relation to workers compensation claims
Hi Jean, thank you for reaching out to us. You can find a number of reviews in our page to see other people's experiences so far. If you need assistance with our products, please call the customer team on 13 24 81 and they will be able to assist you directly. They are available 8am to 8pm weekdays AEDT. ~ Rick
The number of negative reviews I have seen , by far outweigh the positive one. Is there a reason why I should stay with CGU Home Insurance?
Hi Ian, we don't actually have a formal process in place to push our customers towards Product Review like a lot of companies do, so most people naturally only think about it when they are not completely satisfied with a policy/claim.
However we are incredibly proud of our customer service, processes and claim payout rates and have a huge amount of loyal customers that have been with the company for years upon years.
If you have any particular concerns then please let us know, we would love to help. :) -Nathan
Hi Ian. I wish we had read the reviews before our bank suggested we insure with CGU. Having owned a number of houses over 35 years, we have only ever made one minor claim (which was fulfilled by another insurance company). We have Premium Cover with CGU and yet our only claim has been denied - a legitimate claim. Typically they default to 'no claim' and then put their utmost energy into employing experts to back up their decision, knowing that most of us cannot afford to take it any further. The amount of effort CGU put into disputing our claim was quite extraordinary - builders, engineers, etc. We're wondering if it was just a simple 'no', then surely that would have settled it. And the worst part about this process is that this has been going on for years and we are still paying CGU top dollar because no other insurance company can insure us in a dispute. We are devastated that our house has been left like this and that we are at a standstill, not able to organise repairs or move forward.
I disagree that most companies 'push their customers' to post positive reviews. You only have to read the reviews of frustrated CGU customers and compare them to the many other companies to realise that CGU is not a preferred insurance company. Have you ever been asked to post a review from a company? I haven't either. So where are all their loyal customers?
Good luck Ian and I suggest you do read the reviews. CGU would love to help - except when it comes to genuinely helping customers. Also look for the generic reply to posts - 'we are sorry you are not covered for this' and 'sorry for your frustration'. Sorry is meaningless unless something changes. You'll be waiting a long time for that!
Does CGU home and contents insurance cover Mobility Scooters that are used outside the insured premises in Queensland. If so what is the cover limit
Hi there, Golf buggies, motorised ride-on wheelchairs and mobility scooters are required to be registered in QLD (which includes CTP), so they are unable to be covered under our Home Policies. The asset instead would be required to be covered under a Private Motor Comprehensive policy (Open Age only) or a Commercial Motor Policy depending on its usage. Please let us know if you have further questions. ~ Rick
Thanks Rick, I appreciate your quick response, I have 3 related questions I hope you can answer 1.Can I clarify that CGU would cover mobility scooters outside the insured asset in every state but Queensland, because we have free registration? 2. I assume you are aware your parents retail offering does pick it up, as long as you nominate as a separate asset. 3.Do CGU have any plans to modify this apparent inequity?
Hi there, can I please confirm, are you looking at using the motorised scooter outside of Queensland? ~ Rick
No , only in Queensland. It's definitely not easily portable
Hi nbmoller, for these questions it will be best to speak to one of our friendly team, please call us on 13 24 81. ~Bec
Tried that, after 30 minutes of on hold I hung up
We are experiencing hire call queues this week due to recent storms in the area, please stay patient and continue to call. ~Bec
With this many bad reviews over 2 years surly CGU might have worked out they are not doing a good job. My question is what is CGU doing to improve their claim standards. Particularly when I deal with the parent IAG , and my claims experience has been excellent. What is CGU doing to fix a glearing problem which undoubtedly is costing them a bucket of Business.
It would be nice if their answer to every claim wasn’t “its wear and tear”. They are a huge con and a waste of money. Never deal with them
Hi there, I am sorry to hear that your claims experience with us has not been satisfactory. We do strive to do our best in providing the best outcome for the parties involved. As we do not have the details of the claim it is difficult for us to provide explanation. If you require any assistance with an existing claim please send us a private message in Facebook and include the information that you are coming from Product Review. Regards ~ Rick
How do you get a claims manager to do their job and respond to multiple emails and calls on an active claim where excess has already been paid?
Hi SKJ, I have responded to your review. ~Natalie
Hello I dry to send are receipt to ur claim email but I give it to me can't send I don't know that the right email. claim@cgu.com.au Any help?
Hi Etimoni, you have made just a slight typing mistake. The correct email address is claims@cgu.com.au. ~ Jono
Do you insure relocatable homes?
Hi Rosie. We cover homes that are permanently fixed to the site with water and sewage connections. There are other insurers that have specific cover for things like on-site caravans. But not us. I hope this helps. ~ Jono
During Cyclone Marcus in March, a large gumtree from the footpath on the OPPOSITE side of the road fell on our house, causing some damage which the CGU Insurance has accepted. CGU rejected other damage including cracks in the plaster mouldings etc caused by movement of the house when the trees hit it. Leak Detection have now discovered that we also have a "massive leak" from a burst water pipe under the tiled verandah slab which will necessitate a large excavation through the tiles and slab. There is no visible evidence of water damage as the break is under the slab. Estimates of cost to dig through the tiled slab to repair the pipe range from "$3,000 to $4,000" to "about $10,000". CGU opened a claim for me, but a couple of days later said CGU do not pay to "repair water leaks" unless there is obvious damage to the house. Surely a "massive leak" which requires a large area of the tiled cement slab to be dug up would count as damage to the house? Does anybody have any advice?
Go to your lawyer.
Hi. Sorry to hear uve had damage to ur home from something that wasnt on your property! All i can say is a few years ago, new years eve, i came home early hours of the morning in an intoxicated way..lol.. and before hitting the hay i used the bathroom and it was making a noise like it was constantly filling up, i touched the tap behind the loo and the thing exploded in my hand, shot off the wall and sprayed the area in water. The next day i rang cgu about it and they said they would cover and damage to flooring & fixtures (vanity etc) that have been ruined but wont pay for the plumber. In the end i didnt bother to put in a claim because i contained the water quickly & it didnt cause any real damage (very proud.. even in my drunken state!).. i think however u have a case for it to be reviewed by someone higher than a claim manager. Read through their PDS booklet & see if u can find something about it in there that may assist you. Half the time they dont even know whats written in their own product disclosure.. you can also seek legal advice if they wont come to the party. Wish you the best.
Sorry I need are email to claim department
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