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Through CGU Insurance we provide a comprehensive mix of regional and rural products, ranging from business, home and contents and motor vehicle insurance to workers' compensation, farm, crop, livestock and liability insurance.

CGU insures farms of all sizes and types, from dairy, beef, sheep and grain, through to horticulture, viticulture, cane and hobby farms.

Choose from the following policies:


CGU Countrypak Insurance

CGU Countrypak Insurance has all the features you need to insure your farm home, property, motor vehicle, farm machinery, income and other items.

You can select up to 10 individual covers to specifically tailor the policy to meet your farm insurance needs.

CGU Countrypak Insurance is also available for leisure and hobby farms of less than 20 hectares (50 acres) that generate under $20,000 turnover per year.

  Additional Information
Ask HorizonCall 1300 366 565


CGU Farm Motor Insurance

Specifically designed for the person on the land, CGU Farm Motor Insurance provides cover for:

  • Cars, station wagons, caravans and trailers
  • Goods carrying vehicles including utes, trucks and trailers
  • Agricultural vehicles, including tractors, harvesters, bulldozers
  • Motorcycles
  Additional Information
Ask HorizonCall 1300 366 565


CGU Livestock Insurance

CGU Livestock Insurance enables you to cover your stud stock with a single policy. It provides cover against:

  • Death due to an accident
  • Death due to an illness or disease
  • Loss of use due to an accident
  • Loss of use due to an illness

No matter how many head of stud stock you carry, you can elect to insure stud cattle, stud rams, ewes or horses. And the cover is provided anywhere in Australia.

  Additional Information
Ask HorizonCall 1300 366 565


CGU Crop Insurance

CGU Crop Insurance is a tailored package for Australian grain growers. All major crops can be insured under this cover, which includes features such as:

  • Reduced excess
  • Straying stock cover
  • Re-sowing subsidy
  • Revision of yield
  • Agreed value
  • Deferred payments
  • Automatic renewal
  Additional Information
Ask HorizonCall 1300 366 565


Reducing excess benefit

Because crop yields vary yearly, CGU has developed a reducing excess benefit. In simple terms, the greater the loss of crop, the less excess you pay.

For example, when hail damage exceeds 20 per cent of your insured crop, the excess progressively reduces by 0.5% for each 1% of loss above 20% until the excess becomes nil. You can save at least 15 per cent on your crop insurance premiums by having an additional hail damage excess.

The reducing excess benefit is available at no additional cost. It's another reason why CGU's Crop Insurance cover is one of the most comprehensive covers available.

  Additional Information
Ask HorizonCall 1300 366 565


The advice on this web page 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 or hold this insurance policy, you should consider the appropriateness of it having regard to your personal circumstances.
Horizon Credit Union ABN 66 087 650 173 acts under its own Australian Financial Services Licence (no. 240573) and under an agreement with the insurer, Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance (CGU). Backed by IAG. Insurance is issued by CGU. You can get a Product Disclosure Statement (PDS) for the products from any office of Horizon Credit Union or CGU. You should consider the PDS in deciding whether to buy or hold the product.