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with Comprehensive Used Car Insurance

We've partnered with Australia's largest insurer to provide you with peace of mind.

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Why insure through CarClarity

Market or agreed value

In the case of a covered event, we will pay you either the agreed value (as shown on your current schedule) or the market value of your vehicle to give you peace of mind.

Emergency repairs

If your vehicle needs emergency or temporary repairs so that it can be driven following an incident we insure, we will cover the cost of those repairs, up to $800.*

No claims bonus

Each year you don't make an at fault claim earns you a discount on your premium (until you reach the maximum bonus).


Want extra features?
Select extras like windscreen protection or set your repayments as fortnightly or monthly.

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Australia's largest general insurer

What else is included

Read our Car Insurance PDS for the full breakdown.

Uninsured motorist damage

If your vehicle suffers loss or damage as a result of a collision with an uninsured vehicle and you are not at fault, we will cover the cost to repair your vehicle, including towing your vehicle up to $5,000 (inclusive of GST).

Choose your own repairer

Choose a repairer from our network of partner repairers and we'll manage the whole repair process for you and provide a lifetime workmanship guarantee of all authorised repairs, for as long as you own the vehicle.

Personal items coverage

If personal items in your car are damaged in an incident or stolen from your locked car, we offer cover for the cost to repair or replace them up to $1,000.^

Transport or accommodation

If your vehicle is damaged in an incident more than 100km from your home and cannot be used, we will cover the cost for you to get home or accommodation for one night, up to $500.

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Read the PDS for the full breakdown

Get clarity on the details

Comprehensive Motor Vehicle Cover - Product Disclosure Statement
Target Market Determination

Frequently asked questions

Is CarClarity insuring my vehicle?

No, CarClarity is a car ownership platform that helps you find, finance and own your vehicle. CarClarity has partnered with CGU to help you access CGU's range of Comprehensive vehicle insurance options.

Who’s the car insurer?

Our Comprehensive vehicle insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. CGU is backed by Insurance Australia Group (IAG), Australia’s largest general insurer, and has partnered with CarClarity to bring you a range of Comprehensive car insurance options.

How do I make an insurance claim?

All the important information on how to make your insurance claims is located on our Comprehensive Car Insurance Claims page. Had an accident? Head over and follow the steps on our claims page to get things underway. Further details can also be found in your PDS.

Who repairs my vehicle if I’ve had an accident?

CGU has a network of partner repairers across Australia that you can select from. They can even manage the whole repair process for you and provide a lifetime workmanship guarantee on repairs performed by their partner repairers. Prefer to use your own repairer? No worries - just make sure they are licensed and CGU has authorised the quoted cost for the repairs before they begin.

Is my car covered by insurance when someone else drives it?

CGU's standard Comprehensive car insurance policy protects your car no matter who’s driving (with a few exceptions).

If you have a ‘Nominated Driver’ or ‘Nominated Driver Low Kilometre’ Comprehensive policy, drivers under 25 aren’t covered (except learners accompanied by a fully licensed driver over the age of 25). Also, if someone over the age of 25 is driving and they’re not listed on your Nominated Driver or ‘Nominated Driver Low Kilometre’ policy, you’ll pay a higher excess if you make a claim.

Please refer to the PDS for full terms and conditions.

Is a learner driver covered under my insurance policy?

Yes, learner drivers are covered under CGU's standard Comprehensive car insurance policy if they are supervised by a fully licensed driver. If you’ve chosen the ‘Nominated Driver’ or ‘Nominated Driver Low Kilometre’ Comprehensive policy, all learner divers must be accompanied by a fully licensed Nominated Driver who is aged over 25 years or more when the learner driver is behind the wheel to avoid paying an additional excess.

Please refer to the PDS for full terms and conditions.

Have more questions? Check our FAQ page or talk with our experts.
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Things you should know

*Receipts for any emergency repair costs must be provided.
^Conditions, limitations and exclusions apply.

CarClarity Pty Ltd ABN 97 631 982 084 (CarClarity) has been appointed as a distributor of Insurance Australia Limited trading as CGU Insurance ABN 11 000 016 722, AFSL 227681 (CGU). If you take out an insurance product through CarClarity, CGU will pay CarClarity a commission of 10% of the premium (exclusive of government charges). A commission of 5% will also be paid on any variations to your policy and on renewal. The commissions paid toCarClarity are included as part of your premium. If you have a complaint about your insurance product CGU has an internal dispute resolution process. For any complaints, please contact CGU on 13 24 81 or GPO Box 9902 in your capital city. Any advice provided is general only and has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. To decide if this product is right for you, please read the Product Disclosure Statement (PDS) and the Target Market Determination (TMD).

Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount.