Consumer Credit Insurance

Protect your family in the case the unexpected happens through CGU's range of Consumer Credit Insurance policies.

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Insuring Australians

Consumer Credit Insurance allows you to cover your loan repayments, providing you with the security of knowing that if certain unforeseen events happen, your major commitment will be taken care of.

Mortgage Repayment Insurance (Essential Cover)

Protect your family in the case an unfortunate event prohibits you from working. Mortgage Repayment Insurance with CGU can meet your loan obligations and gives you peace of mind knowing your family don’t have more stress than necessary at an already difficult time.

Credit Repayment Insurance (Essential Credit Cover)

Credit Repayment Insurance can cover your credit obligations if you face certain unforeseen circumstances.
Mortgage Repayment and Credit Repayment Insurance can cover:

  • Disablement, up to $210,000 
  • Hospitalisation, up to $6,000 
  • Involuntary unemployment, up to $15,000 
  • Life cover, up to $500,000 
  • Trauma cover, up to $50,000

Personal Loan and Car Loan Repayment Insurance (Loan Repayment Insurance)

Knowing you have the capacity to borrow is sometimes not enough for peace of mind. Loan Repayment Insurance through CGU enables you to borrow with confidence. Like Home Insurance, Loan Repayment Insurance is another form of financial protection for you and your family.
Loan Repayment insurance can cover:

  • Disablement (Sickness & Accident), up to $100,000 
  • Hospitalisation, up to $6,000 
  • Involuntary unemployment, up to $8,000 
  • Life, up to $100,000 
  • Trauma, up to $50,000 


This list is a summary of highlighted features and benefits only. Please refer to the Loan Repayment Product Disclosure Statement, Essentials Loan Repayment Product Disclosure Statement and Essentials Line of Credit PDS and Policies for full terms and conditions. General insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Any advice 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 the insurance policy, you should consider your personal circumstances and the relevant Product Disclosure Statement available on this website. Regional Australia Bank acts as an intermediary of CGU. The insurer of the Life and Trauma cover is AMP Life Limited ABN 84079300379 AFSL No. 233671. CGU administers the Life and Trauma cover on behalf of AMP and CGU's liability under that policy is limited to the administration of that cover including the management of claims.