Find the right car insurance for you
Motor vehicle insurance supports drivers by helping manage the financial impact of vehicle, property damage, and unexpected events on the road. At The Capricornian Bank, car insurance is available through CGU Insurance and supported locally by a customer-owned bank that puts people and community first.
Driving conditions in Australia can vary, from regional highways to suburban streets and rural roads. Having motor vehicle insurance that reflects these realities helps drivers feel supported whether commuting, travelling for work, or managing family responsibilities. The Capricornian Bank helps customers compare car insurance options issued by CGU, with clear guidance and support from local teams.
With clear explanations, accessible advice, and local support, motor vehicle insurance arranged through The Capricornian Bank helps drivers make informed decisions that suit their needs while staying connected to the region they call home.
Compare motor vehicle insurance
View Product TableChoosing the Right Insurance Policy for Your Vehicle
Choosing the right motor vehicle insurance policy involves understanding how your vehicle is used and the risks associated with everyday driving. No two drivers have identical needs, which is why flexible options matter.
Important considerations include the age and value of your vehicle, frequency of use, number of drivers, and exposure to environmental risks. Vehicles driven daily or across long distances may benefit from broader cover.
Drivers should also consider who is listed on the policy. Adding all regular drivers helps ensure claims are handled smoothly if an incident occurs. Unlisted drivers may affect claim eligibility or excess levels. Understanding whether a vehicle is insured and who holds the coverage is particularly important for households with multiple cars or when lending vehicles to others.
The Capricornian Bank helps customers assess these factors with practical advice grounded in local experience. Rather than offering generic recommendations, guidance reflects regional conditions and personal circumstances.
Policy selection also involves balancing premium costs with excess levels. Understanding how these interact helps drivers manage both regular expenses and potential out-of-pocket costs.
Choosing the right policy supports confidence behind the wheel. With clear information and local support, drivers can select motor vehicle insurance that aligns with their lifestyle, budget, and long-term needs.
Claims, Support, and Ongoing Assistance
Claims support is an important part of motor vehicle insurance. When an accident or unexpected incident occurs, drivers need clear guidance and timely assistance to manage next steps with confidence.
Motor vehicle insurance arranged through The Capricornian Bank is issued by CGU Insurance. Claims are lodged directly with CGU via their dedicated claims service, which operates 24 hours a day. This ensures customers have access to support when it is needed, including outside standard business hours.
The Capricornian Bank local teams remain available to help customers understand their cover, explain policy details, and provide guidance on what to expect during the claims process. This local support can be helpful when navigating documentation, understanding excess obligations, or clarifying next steps.
Claims support may involve:
- Lodging a claim through CGU’s claims service
- Providing documentation and incident details
- Understanding excess and policy conditions
- Coordinating repairs through approved providers
- Receiving updates as the claim progresses
Ongoing assistance extends beyond individual claims. Customers can seek support from The Capricornian Bank when reviewing policies, updating details, or comparing cover options over time. This combination of insurer-backed claims handling and local customer support helps ensure clarity, confidence, and continuity throughout the insurance experience.
Comprehensive Plus
Unlike Comprehensive Basics and Comprehensive policies, this policy includes extras such as a hire car after an accident and $0 excess on glass repairs.
Comprehensive Plus is the top-tier insurance policy CGU offers.
Providing coverage for a range of events, including damage from fire, theft, weather, and collisions.
Additionally, it provides higher value limits for certain coverages. For example, it covers up to $250 for a taxi fare from the scene of an accident or to an authorised repairer, which is higher than the limit included in the Comprehensive policy.
For detailed terms, conditions, limitations, and exclusions, please refer to the Product Disclosure Statement (PDS).
✓ 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.
Optional Cover:
- Choose any repairer – Add an option to pick any licensed repairer to fix your car.
Comprehensive Plus Disclaimers – What you need to know
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.
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.
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. View the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD).
Comprehensive Cover
Comprehensive Car Insurance policy provides coverage for a range of insured events, including damage from fire, theft, weather, and collisions.
It also covers any damage your car may cause to other people’s
vehicles and property.
Seeking flexibility? This policy allows you to add extras like no excess for glass damage and the option to choose your repairer.
For detailed terms, conditions, limitations, and exclusions, please refer to the Product Disclosure Statement (PDS).
✓ If your new car is written off in its first two 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.
✓ Cover for baby capsules and baby seats if they’re stolen or damaged in an accident.
Optional Cover:
- Choose any repairer – Add an option to pick any licensed repairer to fix your car.
- $0 excess for glass damage – Add an option to avoid paying an excess when you claim for glass damage only (like to your windscreen or windows).
- Hire Car after any accident CGU covers – Add an option to get a hire car or alternative transport if your car can’t be driven after any incident CGU cover.
Comprehensive Disclaimers – What you need to know
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.
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.
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. View the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD).
Comprehensive Basic
Comprehensive Basics Car Insurance is an entry-level policy that
provides essential coverage.
It protects your car from damage caused by collisions, fire, theft, and adverse weather conditions. Additionally, it covers any damage your car may cause to other people’s vehicles and property. As an entry-level option, this policy does not include optional extras.
If you need features like a hire car or $0 glass excess, you might want to consider Comprehensive or Comprehensive Plus policies.
For detailed terms, conditions, limitations, and exclusions, please refer to the Product Disclosure Statement (PDS).
✓ Covers anyone you let drive your car.
✓ Theft, storm damage, fire & flood.
✓ Damage from an accident.
✓ Damage if you cause an accident.
✓ Covers your car if it’s stolen, vandalised, or damaged during a
theft attempt.
✓ Taxi fare after an accident.
Comprehensive Disclaimers – What you need to know
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.
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. View the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD).
Third Party, Fire and Theft
Third Party Fire & Theft Insurance helps cover costs if your car is stolen, catches fire, or is damaged by an uninsured driver. It also provides coverage for damage you cause to other people’s vehicles and property in an accident.
This insurance includes all the benefits of Third Party Property Damage Insurance, with added protection for fire and theft.
This summary highlights the differences between car insurance options.
For detailed terms, conditions, limitations, and exclusions, please refer to the Product Disclosure Statement (PDS).
✓ Covers for damage to your car caused by fire (up to $10,000).
✓ Covers damage to your car if an uninsured driver causes an
accident (up to $5,000).
✓ Cover your car if it’s stolen or damaged by someone trying to steal it (up to $10,000).
✓ Covers damage to other cars if you cause an accident.
✓ Covers towing to a safe place if an uninsured driver causes an
accident.
✓ Cover for damage you cause to other people’s cars or property in an accident (up to $20 Million)
Third Party, Fire and Theft Disclaimers – What you need to know
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.
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. View the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD).
Third Party Property Damage
Third Party Property Damage Insurance covers the cost of damage you cause to other people’s vehicles or property in an accident.
Additionally, if an uninsured driver damages your car, you’re covered up to $5,000.
For extra protection against theft or fire, consider Third Party Fire & Theft Insurance.
This summary highlights the differences between car insurance options.
For detailed terms, conditions, limitations, and exclusions, please refer to the Product Disclosure Statement (PDS).
✓ Covers damage to your car if an uninsured driver causes an accident (up to $5,000)
✓ Covers damage to other cars if you cause an accident.
✓ Covers towing to a safe place if an uninsured driver causes an accident.
✓ Cover for damage you cause to other people’s cars or property in an accident (up to $20 Million)
Third Party Property Damage Disclaimers – What you need to know
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.
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. View the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD).
| Cover | Comprehensive Plus | Comprehensive | Comprehensive Basics | Third Party Fire and Theft | Third Party Property Damage |
| Cover for loss or damage to your vehicle | For Accidental damage | For Accidental damage | For Accidental damage | For fire, theft or attempted theft. Up to $10,000 only. | ✗ |
| Partner Repairer | ✓ | ✓ | ✓ | ✓ | ✓ |
| Cover for liability | ✓ | ✓ | ✓ | ✓ | ✓ |
| Additional benefits | |||||
| Baby capsules and child seats | ✓ | ✓ | ✓ | ✓ | ✗ |
| Emergency Repairs | ✓ | ✓ | ✓ | ✓ | ✗ |
| Emergency Transport and accommodation | ✓ | ✓ | ✓ | ✓ | ✗ |
| Fire extinguisher replacement | ✓ | ✓ | ✓ | ✓ | ✗ |
| Hire vehicle or alternative transport after not at-fault incident | ✓ | ✓ | ✗ | ✗ | ✗ |
| Hire vehicle or alternative transport after theft | ✓ | ✓ | ✗ | ✓ | ✗ |
| Incorrect fuel | ✓ | ✓ | ✓ | ✗ | ✗ |
| Legal representation at coronial inquiry | ✓ | ✓ | ✓ | ✓ | ✓ |
| Lifetime repair guarantee (on authorised repairs) | ✓ | ✓ | ✓ | ✓ | ✓ |
| Methamphetamine contamination | ✓ | ✓ | ✓ | ✓ | ✗ |
| New vehicle replacement | ✓ | ✓ | ✗ | ✗ | ✗ |
| Personal Items | ✓ | ✓ | ✗ | ✗ | ✗ |
| Replacement of keys and locks | ✓ | ✓ | ✓ | ✗ | ✗ |
| Taxi fare | ✓ | ✓ | ✓ | ✗ | ✗ |
| Temporary Cover for replacement vehicle | ✓ | ✓ | ✓ | ✓ | ✓ |
| Tools of trade | ✓ | ✓ | ✗ | ✗ | ✗ |
| Towing | ✓ | ✓ | ✓ | ✓ | ✗ |
| Trailer or caravan attached to Your Vehicle | ✓ | ✓ | ✓ | ✗ | ✗ |
| Uninsured motorist damage | Covered under ‘Loss or damage to Your Vehicle’ | Covered under ‘Loss or damage to Your Vehicle’ | Covered under ‘Loss or damage to Your Vehicle’ | ✓ up to the Market Value of Your Vehicle to a maximum of $5,000 only | ✓ up to the Market Value of Your Vehicle to a maximum of $5,000 only |
| Vehicle pick-up and return | ✓ | ✗ | ✗ | ✗ | ✗ |
| Vehicle storage costs | ✓ | ✓ | ✓ | ✓ | ✗ |
| Optional Benefits | |||||
| Excess free glass extension | Automatically included | Optional | ✗ | ✗ | ✗ |
| Hire Vehicle or alternative transport after incident | Automatically included | Optional | ✗ | ✗ | ✗ |
| Any repaired option | Optional | Optional | ✗ | ✗ | ✗ |
Get a Motor Vehicle Insurance Quote Today
Motor vehicle insurance is an important decision that benefits from informed guidance and local understanding. The Capricornian Bank offers car insurance options issued by CGU Insurance, supported by a customer-owned bank with strong community connections.
Whether you are reviewing existing cover, insuring a new vehicle, or comparing policy options, local teams are available to help explain cover types, excess options, and premiums in clear, practical terms.
Getting a quote allows you to assess available options and determine suitable protection for your vehicle and driving needs. There is no obligation, only access to information that supports confident decision-making.
Contact The Capricornian Bank today to request a motor vehicle insurance quote, speak with a local team member, or learn more about car insurance issued by CGU Insurance and arranged through a bank that supports both its customers and the wider community.
Motor vehicle insurance helps protect you financially if your car is damaged, stolen, or involved in an accident. Ensuring a vehicle is insured provides peace of mind and helps manage the costs associated with property damage or legal liability if your vehicle causes damage to someone else’s property.
You can check the PDS for all the details of what is and isn’t covered to make sure you’re choosing the right cover for your circumstances.
Common options include comprehensive car insurance, third party fire and theft, and third party property damage insurance. Each provides a different level of cover depending on your needs, vehicle value, and driving habits.
You can check the PDS for all the details of what is and isn’t covered to make sure you’re choosing the right cover for your circumstances.
Comprehensive car insurance typically covers accidental damage to your vehicle, property damage to other vehicles, theft, fire, vandalism, and certain weather-related events. Policy inclusions and exclusions vary, so it is important to review details before selecting cover.
You can check the PDS for all the details of what is and isn’t covered to make sure you’re choosing the right cover for your circumstances.
Excess is the amount you pay if you make a claim. Choosing a higher excess may reduce your premium, while a lower excess can reduce out-of-pocket costs when a claim is made. The right option depends on your budget and risk preference.
You can check the PDS for all the details of what is and isn’t covered to make sure you’re choosing the right cover for your circumstances.
All regular drivers should be listed on your policy. Unlisted drivers may affect claim outcomes or increase excess amounts. Keeping driver details up to date helps avoid complications if an incident occurs.
You can check the PDS for all the details of what is and isn’t covered to make sure you’re choosing the right cover for your circumstances.
You can verify your insurance status by reviewing your policy documents, contacting The Capricornian Bank directly, or checking with CGU Insurance. Keeping policy details accessible helps ensure you always know your vehicle is insured and protected.
You can check the PDS for all the details of what is and isn’t covered to make sure you’re choosing the right cover for your circumstances.
If an incident occurs, ensure everyone is safe first. Claims usually involve providing details of the event, photos of damage, and information about other drivers or property involved. The Capricornian Bank provides guidance throughout the process.
You can check the PDS for all the details of what is and isn’t covered to make sure you’re choosing the right cover for your circumstances.
Yes. Policies can be reviewed if your circumstances change, such as a new vehicle, different drivers, or altered usage. Regular reviews help ensure your cover remains suitable and cost-effective.
You can check the PDS for all the details of what is and isn’t covered to make sure you’re choosing the right cover for your circumstances.
The Capricornian Ltd trading as The Capricornian Bank | ABN 54 087 650 940 AFSL / ACL 246780 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.
Any advice provided 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 the Product Disclosure Statement (PDS) and Target Market Determinations (TMD).
