CGU Landlord Insurance

Long standing tenants moved out and I went for an inspection. Property had been pretty much systematically damaged (not totally). This was confirmed by the neighbours who had complained to the property managers but nothing was done. Regular fires, police visits, screaming and abuse, fire brigade (unbeknownst to me). I made a large claim.....not hoping for much. I received a reasonable payout from CGU after much investigation. Only months later, a 2nd prop completely trashed and some damage and 5 mths no rent. They paid max rent and fixed...Read more

After 2+ years as policy holders, we are now in the unfortunate situation of needing to make a claim after some bad tenants ran out on our property, leaving us with rental arrears, a filthy place to clean up and damage...we call up CGU and who gets treated like the criminal in this situation? Us!
This company is going out of its way to make legitimate claims difficult and to get out of reimbursing you in every way possible. For example - the place left in the filthy state that it was - no one would want to rent it until it gets cleaned up. We...Read more

I have just transferred over 8 investment properties to another insurer due to the fact that we had 2 separate claims with CGU and they found an excuse not to pay out even 1 of those claims! People please be smart, the one time you need help is when making a claim and CGU were horrendous, they did everything to avoid paying any money and took 5 months with our investment property vacant to decide they weren't paying our claim out, we disputed, so they grudging threw us a couple of crumbs, then they didn't want to pay more than 40 days loss of...Read more

Having Landlord insurance, I made a claim when the garage ceiling collapsed causing damage to the garage door. When lodging the claim, was instructed faulty workmanship was covered. Supplied all the relevant documentation and reports and property checklists however, kept getting emails from different employees asking for the same documentation. Clearly poor coordination and customer service so far. After receiving a request yet again for the same documentation I rang up and spoke to CGU directly. They then called back stating my claim isn't cov...Read more

It is obvious to me that CGU are tactically & strategically wilfully avoiding payments. Personnel whom receive case queries are genuinely helpful and concerned. Case managers are probably hired specifically for being inept and lazy. Follow up personnel are 'want to be defence lawyers', skilled in bringing ambiguity to the meaning of every word. The perfect structure to defer accountability, process, and specifically designed to be a one way funnel for your hard earned cash. You will get guaranteed results, but the result will be you can not get...Read more

Currently in the process of dealing with aggressive/rude/powertripping reps over the phone, regarding their rejection of my landlords insurance claim. For some silly reason I thought I paid my insurance fee to be covered by damages caused by tenants - CGU is claiming any scratch or dint on any surface as not a malicious or intentional damage so the apparent smashed plaster wall and broken wall tile to them clearly fits under 'a dint in the wall' and is due to tenant carelessness and not malicious damage.... seriously!!!!

if I was to go on w...Read more

I took out Landlord Insurance with CGU several years ago and of course the 'customer service' person gave me a glowing list of what 'Landlord Insurance' covered; however, because 'Rent Default' and 'Loss of Rent' was not separately defined by the 'spiel', I of course believed, as I was told that I was covered for loss of rent for the time it may take to carry out repairs damage caused by tenants. Of Course it wasn't, was it! 'Loss of Rent' was an 'option' that I had to 'choose' in the cover at the time I took it out! Of course it was! How stupi...Read more

Our investment property's hot water service was damaged after someone tried to steal it in February. We made a claim with CGU and it is May now, still haven't got a replacement yet.

They have first requested for a quote, then came back about a month later, saying quote was not detailed enough, need an itemised quote.
When we provided that, they never got back to us. I have to physically call them up asking for the progress. Asked some stupid question which I haven't got the answer for, had to contact the plumber to get the information, when...Read more