Why choose Comprehensive Car Insurance through BCU Bank?
Flexible payment options
Choose your cover and pay fortnightly, monthly or quarterly at no extra cost.
Claims guarantee
CGU offers a lifetime guarantee on the workmanship of authorised repairs, valid for as long as you own the car.
Manage your insurance online
For eligible car insurance policies, certain updates can be made online.
Car insurance that's award-winning
We're proud to share that BCU Bank has been awarded the Exceptional Quality Car Insurance award for the Comprehensive Car Insurance product in the 2025 Mozo Experts Choice Awards.
This award recognises the exceptional value and quality of the product, reflecting BCU Bank’s focus on competitive features and better value for our customers.
Comprehensive Plus
Top-level cover with extra benefits and some higher limits.
- If your new car is written off in its first three years, CGU tries to replace it with a similar new car
- Covers anyone you let drive your car
- Theft, storm damage, fire & flood
- Damage from an accident
- Damage if you cause an accident
- $0 excess for glass damage
- Hire car after any incident CGU cover
- Cover for baby capsules and baby seats if they’re stolen or damaged in an accident
- Choose any licensed repairer to fix your car
Comprehensive
Cover for your car and others’ property, with optional extras.
- If your new car is written off in its first three years, CGU tries to replace it with a similar new car
- Covers anyone you let drive your car
- Theft, storm damage, fire & flood
- Damage from an accident
- Damage if you cause an accident
- $0 excess for glass damage
- Hire car after any incident CGU cover
- Cover for baby capsules and baby seats if they’re stolen or damaged in an accident
- Choose any licensed repairer to fix your car
Comprehensive Basics
Essential cover for your car and others’ property, without optional extras.
- If your new car is written off in its first three years, CGU tries to replace it with a similar new car
- Covers anyone you let drive your car
- Theft, storm damage, fire & flood
- Damage from an accident
- Damage if you cause an accident
- $0 excess for glass damage
- Hire car after any incident CGU cover
- Cover for baby capsules and baby seats if they’re stolen or damaged in an accident
- Choose any licensed repairer to fix your car
For detailed terms, conditions, limitations, and exclusions, please refer to the
Important information
Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
Police & Nurses Limited (BCU Bank) ABN 69 087 651 876 AFSL 240701 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand. The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs (your personal circumstances). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from the CGU website.
View the campaign terms and conditions.
*This offer is strictly limited to a maximum of $200 cashback per policy for any new Eligible Insurance Policy purchased, including joint policies and is only available for BCU Bank customers who meet the following conditions. Open to Australian Residents 18 and over. Offer applies to new Comprehensive Motor Insurance (‘Eligible Policies’) purchased through BCU Bank online, over the phone, or in branch, between 21 January 2026 – 28 April 2026 and starting in the same period. To be eligible for the offer the policy premium must be paid either in full, or at least one instalment for an Eligible Policy within 8 weeks. The primary policy holder must have an active BCU Bank transaction account at the time of cashback payment. The $200 cashback will be deposited into the customer’s transaction account within 40 days from the conclusion of the 8-week period.
To get a new replacement car with Comprehensive or Comprehensive Plus following an incident CGU insures, your car must weigh under 3.5 tonnes, and it must have been a new or demonstrator vehicle when you bought it, and less than 24 months old for Comprehensive, and less than 36 months for Comprehensive Plus. New vehicle replacement is not included with Comprehensive Basics. New vehicle must be reasonably available in Australia.