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Insurance for all types, makes and models.

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Contents replacement cover

New for old replacement cover

Five levels of coverage

To suit your budget.

Optional features depending on your cover level

Avoid paying an excess when you claim for glass damage only.

Find insurance cover for your car with one of the five levels of cover.

All our policies are provided through one of Australia’s leading insurance companies CGU, so alongside our own knowledgeable and helpful Contact Centre, you know you (and your car) are in good hands.

 

We've got five levels of cover - pick what works for you

Comprehensive Plus is the top-tier insurance policy you can purchase through Defence Bank. Providing coverage for a range of events, including damage from fire, theft, weather, and collisions.

Unlike Comprehensive Basics and Comprehensive policies, this policy includes extras such as a hire car after an accident and $0 excess on glass repairs.

Additionally, it provides higher value limits for certain coverages. For example, it covers up to $250 for the 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.

Includes

  • 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.

For detailed terms, conditions, limitations, and exclusions, please refer to the Product Disclosure Statement.

Cover from fire, theft, weather, and collisions, and covers the cost for damage caused to other people's vehicles or property in an accident.

Includes

  • 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

For detailed terms, conditions, limitations, and exclusions, please refer to the Product Disclosure Statement.

Our Entry-level policy. Providing cover for damage caused by collisions, fire, theft, and adverse weather conditions. Covers the cost for damage caused to other people's vehicles or property in an accident.

Includes

  • 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

For detailed terms, conditions, limitations, and exclusions, please refer to the Product Disclosure Statement.

Covers the cost for damage caused to other people's vehicles or property in an accident.

Includes

  • 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)

This summary highlights the differences between car insurance options. For detailed terms, conditions, limitations, and exclusions, please refer to our Product Disclosure Statement.

Cover for if your car is stolen, catches fire, or is damaged by an uninsured driver. Covers the cost for damage caused to other people's vehicles or property in an accident.

Includes

  • 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)

This insurance includes all the benefits of Third Party Property Damage Insurance, with added protection for fire and theft. This summary outlines the differences between car insurance options. For detailed terms, conditions, limitations, and exclusions, please refer to our Product Disclosure Statement.

 

To explore the specific features of each product, please refer to our Car Insurance Product Disclosure Statement.

 

Make a claim

Call 13 24 80 for 24/7 claims assistance.

Need more help? Read our guide on how to make an insurance claim. 

Get a quote

Documents

Important information

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 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 and Target Market Determinations.

Defence Bank Limited ABN 57 087 651 385 ABN, AFSL/Australian Credit Licence 234582 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited under the CGU brand ABN 11 000 016 722, AFSL 227681. 


Prezzee eGift Card Campaign - full terms and conditions.

Offer only available on new eligible insurance policies purchased between Tuesday 27 May 2025 and up to and including Monday 30 June 2025. Limit one Prezzee Smart eGiftCard (referred to as eGiftCard) per insured risk address per 12 months. Where a joint policy occurs, the main policy holder will be provided with the eGiftCard.

Eligible home insurance policies are:
• Defence Bank Building and Contents Insurance
• Defence Bank Building Insurance
• Defence Bank Contents Insurance
• Defence Bank Landlords Insurance
• Defence Bank Comprehensive Plus, Comprehensive and Comprehensive Basics Car Insurance
Ineligible home insurance policies are:
• Barrack Contents Insurance

All Defence Bank directors, staff and their immediate families are not eligible for this promotion.
Promotion valid for new policies only and is not applicable for policy renewals.
Insurance policies must be current and not in arrears at time of eGiftCard being issued.

To be eligible to receive either a $100 or $200 eGiftCard(s), all policies must be purchased through a Defence Bank branch, the Defence Bank Contact Centre or through the Defence Bank website. The eGiftCard will be issued by Prezzee Pty Ltd ABN 16 602 963 422 on behalf of Defence Bank. By participating in the Offer, you consent to Defence Bank sharing your name and email address with Prezzee Pty Ltd for this purpose.

eGiftCards will be issued three weeks after the 21-day cooling off period and is conditional upon first month’s premium being paid. Where a fortnightly payment method is selected, the first two payments must be successful for eGiftCard to be issued. Where annual method is selected, full payment must be received.

eGiftCards will be emailed to the email address linked to the Members insured property policy.
Defence Bank reserves the right to request a Recipient to provide proof of identity and proof of entry validity. These proofs must be in a form suitable for verification by Defence Bank, determined by Defence Bank in its absolute discretion. In the event that a Recipient cannot provide suitable proof, the Recipient will forfeit the Offer in whole and no substitute will be offered.

eGiftCards have a 36-month expiry date for users to exchange Retailer Gift Cards of their choice. The eGiftCards shall be credited with either $100 or $200 (depending on policy type) which may be exchanged for another or multiple participating Retailer Gift Cards up to the value displayed on the eGiftCard available through the Prezzee Service website. There are no fees associated with the eGiftCard. Once the new Retailer Gift Card(s) has been selected new expiry dates will be set and terms and conditions apply to the specific Retailer Gift Cards chosen. eGiftCards are not redeemable for cash and no refunds will be provided for eGiftCards (except as required by law). Use of the eGiftCards is governed by their terms and conditions of use, available at https://www.prezzee.com.au/policies/terms-of-sale/.

Defence Bank reserves the right to cancel, suspend or modify the promotion at any point in time.

Frequently asked questions.

Car insurance premiums vary because we all have different circumstances and needs. For all the factors CGU consider, take a look at the Premium, Excess and Discounts Guide.

A car insurance claim is a request that you lodge to your car insurance provider when you have suffered damage or loss.

An excess is the amount you may contribute towards the cost of your claim. Your current Certificate of Insurance shows the amount and types of excesses that apply to your policy. 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 – as long as they meet CGU's standard acceptance criteria. CGU generally covers standard-spec EV, hybrid and PHEV vehicles.

Bowse more FAQs.