Help & support for insurance

You can make a claim by contacting CGU's 24/7 claims team on 13 24 80.

Home or motor vehicle claims can also be made online by visiting the CGU Insurance claims page.

Find out more about making an insurance claim.

To make an insurance claim you'll need your policy number and the time, date and details of the event – whether it be a car accident, home damage or lost/stolen property.

For car insurance claims, you'll also need the details of any other people involved in the incident including their name, address and registration number, contact details and any relevant documents.

Find out more about making an insurance claim.

With insurance through P&N Bank, you can choose to pay your premium fortnightly, monthly or yearly – the choice is yours.

If you want to pay yearly up front, you can choose to pay by direct debit or BPAY. If you choose to pay fortnightly or monthly you can pay by direct debit. 

You will choose your payment method and frequency when you take out the policy.

You'll receive your insurance policy renewal via your preferred method (email or post) a few weeks before your policy is due to expire. Please make sure your contact details are up-to-date and advise us of any changes to your personal circumstances or the insured asset, as this may require changes to your policy.

If you're making monthly or quarterly direct debit payments on your policy, and are happy with your policy renewal information, you don't need to do anything. Your policy will automatically renew  at the new premium amount advised. If you pay annually, you'll need to arrange payment of the premium amount quoted.
 
If you would like to speak to someone about your policy renewal, or make changes to your policy,  please call us on 13 25 77 and one of the team will be happy to help.

An insurance excess is simply the amount that you'll need to pay towards the cost of an insurance claim.

There are different types of excess that apply to different policies. For example, in addition to the basic excess which applies when you make a claim on Car insurance, you may also be required to pay an age excess, inexperienced drivers excess or additional excess. Please refer to your Product Disclosure Statement for more information.

At P&N Bank we offer a range of insurance covers, including Travel Insurance, for added peace of mind when travelling within Australia or overseas.

You can get a quote online at any time.

Get a Travel Insurance quote

Third Party, Fire and Theft car insurance helps provide protection from uninsured drivers up to $5,000 and up to $30 million liability cover.

It also covers you for loss or damage to your vehicle by fire or theft, and your legal liability for loss or damage to another person's vehicle or property. 

Policy terms, conditions, limits and exclusions apply. 

See the Motor Vehicle Insurance PDS for full details.

Learners are covered on a standard policy.

If you have a Nominated Driver policy, learners have to be accompanied by a fully licensed driver over the age of 25. 

Read the Motor Vehicle PDS for more details.

If you have a standard policy, your car is covered no matter who is driving (with a few exceptions).

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

Your can find more information in the Motor Vehicle PDS.

As well as the cost of any damage to another vehicle, Third Party Property Damage insurance helps provide protection from uninsured drivers up to $5,000 and up to $30 million liability cover. 

Policy terms, conditions, limits and exclusions apply. 

View the Motor Vehicle Insurance PDS for a full breakdown.

The price of car insurance is based on several factors, including the likelihood of a claim being made on your policy in the future.

There are several factors considered when calculating premiums including:

• pricing factors, for example: the value of your vehicle, the age, make, and model of your vehicle, where your vehicle is kept, and what it is used for. Your premium is also affected by the age, driving experience and claims history of the drivers, 
• policy options,
• minimum and maximum premium amounts,
• government charges, such as Goods and Service Tax and stamp duty, and
• any discounts you may be eligible for.

This is not an exhaustive list of our pricing factors and we may add or remove factors at any time. 

To find out more about how your premium is calculated, have a look at the relevant Product Disclosure Statement (PDS).

The best way to understand how much your insurance will cost is to get a quote.

With Comprehensive car insurance, you have the choice to add optional extras such as windscreen protection, a hire car after an incident and more. Policy terms, conditions, limits and exclusions apply. 

See the Motor Vehicle Insurance Product Disclosure Statement for full details.

The items and events your home insurance policy covers does depend on the level of home insurance you purchase.

Home insurance may protect your building, or other buildings on your property, in the event of accidental damage, loss caused by fire or theft, and storm damage.

You can choose to include contents insurance in your policy to help protect your belongings - such as electronics, furniture, money, carpets, and jewellery.

Some home insurance policies also include liability cover. This means that if there is an insured incident that causes loss or damage to someone else’s property, or death or bodily injury to other people, your legal liability will be covered.

You can find out full cover details in Home Insurance PDS.

P&N Bank offers three levels of building insurance to suit your needs. These are Accidental Damage, Listed Events and Fundamentals. 

Read the relevant Product Disclosure Statement for full details and cover information.

• Accidental Damage Home Insurance PDS
• Listed Events Home Insurance PDS
• Fundamentals Home Insurance PDS

It's easy to underestimate just how much stuff you actually own, and how much it's worth when thinking about insuring your home contents. That's where our home contents value calculator can help.

By answering a few simple questions about your property, the calculator will provide an estimate based on a typical home of your size, in your suburb, furnished similarly to yours. From there you can add to or edit your contents list to refine your contents value.

Use contents insurance calculator.

The Cordell Sum Sure calculator takes the answers you input (or confirm, as applicable) and analyses them against construction industry data collated by CoreLogic to generate an estimated rebuild cost of the improvements on your property. Use of the Cordell Sum Sure calculator and any estimated rebuild cost provided by it may not be appropriate for you and you will need to assess the suitability of this estimate given your knowledge of your property. A number of qualifications apply to the estimated rebuild cost, which are set out in the full set of terms and conditions accepted by you prior to your use of the Cordell Sum Sure Calculator.

You can use our building insurance value calculator to estimate the value of your home for insurance purposes.

The calculator takes into account location, property details, features and more.

If you’re applying for a home loan with P&N Bank, we may state a minimum amount that the property should be insured for, based off its valuation.

Use our building insurance calculator.

The Cordell Sum Sure calculator takes the answers you input (or confirm, as applicable) and analyses them against construction industry data collated by CoreLogic to generate an estimated rebuild cost of the improvements on your property. Use of the Cordell Sum Sure calculator and any estimated rebuild cost provided by it may not be appropriate for you and you will need to assess the suitability of this estimate given your knowledge of your property. A number of qualifications apply to the estimated rebuild cost, which are set out in the full set of terms and conditions accepted by you prior to your use of the Cordell Sum Sure Calculator.

If you have a Building insurance policy your home is insured in the event of flooding. 

Policy terms, conditions, limits and exclusions apply. You can find out full details in the relevant Building Insurance PDS.

If you are renting it can pay to protect your belongings by taking out a Contents Insurance policy.

A common misconception amongst renters is that your landlord’s insurance will cover you if anything happens to your possessions. Landlord insurance generally only covers what the landlord owns which is the house and land. This means that anything that belongs to you at the rental property likely isn’t covered by their insurance.

A Contents Insurance policy may cover you financially if your belongings are lost, damaged or stolen. It can also cover you for incidents including theft, water damage, smoke damage and fire.

Read the PDS for full details of what's covered.

Yes, valuable items up to a certain amount are insured under Contents Insurance, including electronics such as laptops, tablets, mobile phones, cameras and more.

Policy terms, conditions, limits and exclusions apply.

See the relevant PDS for full details.

When you rent out your property there is always the risk of loss or damage occurring. Landlords insurance can help provide you cover for accidental loss or damage to your buildings and/or contents. 

The level of cover you have will vary depending on the type of Landlords insurance policy you choose, from: 

• Building and Contents cover, 
• Buildings cover, or
• Contents cover. 

You can also add optional extras to our Landlords insurance policies depending on the level of cover you require. These include cover for theft by a tenant, loss of rent for up to 12 months, legal liability cover, and workers' compensation cover.

Landlord's Contents Insurance generally does not cover plants and trees, animals, clothing and sporting equipment, among other things. 

Policy terms, conditions, limits and exclusions apply.

View the Landlord Insurance Product Disclosure Statement for a full list of non-covered items.

If you have Landlords Insurance, accidental damaged caused by your tenant’s pets is covered through P&N Bank up to the value of $2,500.

View the Landlords Insurance PDS for full details.

As long as you take out Buildings and Contents or Buildings cover for your landlord's insurance then, yes, the building is insured. This means that if a storm, fire, landslide, bungled burglary or other listed event causes damage to your property, you'll be covered, subject to the policy terms.

You can find out what types of buildings we cover and what the building is covered for, in the Landlords Insurance Product Disclosure Statement (PDS).