CGU - Home and Contents Insurance

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Protect your home and the things inside with the level of cover that suits you.

Through CGU we offer three tiers of protection for Buildings, Contents or combined cover so that you can choose the right cover for your needs.

Policies available

Building and contents (combined)
Building
Contents

Common cover

All policies include the following:

Fire
Burglary
Storm and flood

Types of cover

Accidental Damage

Contents covered at home or away from home
Accidental loss and damage
A range of listed events covered
Many additional covers like Rebuilding fees and Alternative accommodation
Premium cover

Listed Events

A range of listed events covered
Many additional covers like Rebuilding fees and Alternative accommodation
High level of cover with good value for money

Fundamentals

A range of listed events covered
Basic cover

Get a Quote Enquire

Choose the right policy for you

Features	Accidental Damage	Listed Events	Fundamentals
Accidental damage or accidental loss
Burglary or break-in		Money only covered after forcible entry	Must be sign of forcible entry
Theft without forcible entry		Money only covered after forcible entry
Burning out of an electric motor for motors up to 15 years old
Contents away from home	Australia and New Zealand wide cover - conditions apply	Australia wide cover - conditions apply
Contents at home in the open air		Limited to $2,000 for certain events	Limited to $1,000 for certain events
New for old replacement cover (Contents)
Guest or visitor's belongings	Up to $5,000	Up to $5,000
$20 million Liability
Content items	Up to $20,000 per item, pair, set, collection or system	Up to $20,000 per item, pair, set, collection or system	Up to $20,000 per item, pair, set, collection or system
Valuable items Such as jewellery, laptops, mobile phones, cameras, sporting equipment (excluding bicycles) - see PDS for full description	Up to $2,500 per item or $3,000 for sporting equipment. In total, up to 20% of sum insured or $7,500 whichever is higher	Up to $2,500 per item or $3,000 for sporting equipment. In total, up to 20% of sum insured or $5,000 whichever is higher	Up to $1,000 per item. In total up to $2,000
Optional additional valuables cover Other Valuables (under $2,500 per item) or Special Valuables (over $2,500 per item), Accidental Loss or Damage cover worldwide up to 90 consecutive days	$250 excess	$250 excess
Alternate accommodation Paid in addition to the sum insured	Up to 10% of sum insured	Up to 10% of sum insured	Up to 10% of sum insured
Architects, surveyors and legal fees Paid in addition to the sum insured	Up to 10% of sum insured	Up to 10% of sum insured	Up to 10% of sum insured
Removal of debris and demolishing costs Paid in addition to the sum insured	Up to 10% of sum insured	Up to 10% of sum insured	Up to 10% of sum insured
Replacing keys and repairs to and recoding of locks and barrels	No limit	Up to $1,000	Up to $1,000
Credit card and transaction card misuse	Up to $5,000	Up to $5,000	Up to $5,000
Frozen food following breakdown of freezer	No limit	Up to $500
Vet expenses if your pet is injured in a road accident	Up to $500	Up to $500
Goods used to earn an income, covered at home only	Up to $5,000	Up to $5,000
Money and negotiable documents	Up to $1,250	Up to $750	Up to $500
Contents in transit	Up to $10,000	Up to $5,000
Funeral expenses	Up to $10,000	Up to $10,000

This table is a summary of highlighted features and benefits only. Please refer to the CGU Accidental Damage Home Insurance Product Disclosure Statement (PDS), CGU Listed Events Home Insurance Product Disclosure Statement (PDS), CGU Fundamentals Home Insurance Product Disclosure Statements (PDS) and Policies for full terms and conditions.

Why insure with CGU?

New for old replacement
Automatic flood cover
24/7 claims lodgement – 13 24 80
160 years of experience insuring Australians

General insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Sydney Credit Union ABN 93 087 650 726 acts under an agreement with the insurer. 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 above.