Our Home & Contents Insurance has a great range of features and benefits designed to suit customers with different needs.
- Save up to 10% on your first year’s premium when you purchase a new policy online1,4
- 24/7 claims assistance
- Combine your buildings and contents cover to receive up to 10% discount on your premium2,4
- Pay by the month at no extra cost6
Combine your insurance
Get protection for your home buildings and your contents by combining buildings and contents covers on the one policy. If you take both Buildings and Contents Insurance here’s how they can work together if the unexpected occurs:
- Your house burns down. You could lose all your buildings, and everything in them. With adequate sums insured under buildings and contents covers, you could rebuild and replace your insured belongings.
- A fire damages your kitchen. You could repair or rebuild built-in damaged parts of your kitchen, such as bench tops, with buildings cover. Then you could replace damaged items like blinds and kitchenware under your contents cover.
- A thief smashes your window, breaks the lock and steals your belongings. You can fix the window and lock through your buildings cover and replace the items that were stolen under your contents cover.
Plus, you will only have to pay the applicable excess(es) once in respect of any single claim if your buildings and contents are damaged by the same insured event.
Choose your cover
The better you understand your policy, the easier it will be if you ever have to claim. Here is a limited summary of the benefits of a Building and Contents Insurance policy. For full details of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before making a decision to purchase the insurance. The Home Buildings and Home Contents Key Fact Sheets (KFS) also sets out some information about the cover.
Select the cover to suit your needs (effective 22 February 2021).
Features & Benefits
Rebuilding and professional fees
If you need to rebuild your home after total loss or damage, Police Credit Union Home and Contents Insurance will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000.
Cover for the unexpected
Police Credit Union Home and Contents Insurance offers protection for out of the ordinary but devastating events such as fire, storm and burglary.
Cover for storm damage
Rest easy, within the first 72 hours following a storm, Police Credit Union Home and Contents Insurance has got you covered for loss or damage caused by soil movement, landslide, mudslide or subsidence caused by a storm.
Making your buildings environmentally friendly
If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, Police Credit Union Home and Contents Insurance will pay up to $5,000 (after deduction of any government or council rebates) to help you make the new buildings more environmentally friendly.
Alternative accommodation for you and your pets
If your building or contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, Police Credit Union Home and Contents Insurance will pay the additional costs for temporary accommodation for you up to 10% of the building or contents sum insured (as applicable) and up to $500 for temporary accommodation for your pets in a commercial boarding establishment.
Police Credit Union Home and Contents Insurance will cover the cost, up to $1,000, to replace the locks or cylinders of any external door or window following an actual or attempted theft or burglary if the key is stolen or you believe the key has been copied.
Vandalism or malicious damage
You are covered for loss or damage caused by vandalism or a malicious act.
In addition to your buildings sum insured, Police Credit Union Home and Contents Insurance will pay up to 10% of your building and/or contents sum insured for the removal of debris from the damaged or destroyed part of the buildings.
Police Credit Union Home and Contents Insurance will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property caused by an accident (or series of accidents).
24/7 claims assistance
When you need to make a claim Allianz are there for you with 24 hour claims lodgement available online, or you can call the claims line to commence the claims process over the phone.
Cover when you’re moving house
Police Credit Union Home and Contents Insurance will cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst contents are in transit (unless you have Accidental Damage cover).
Apply to add any of these optional covers for an additional premium and greater cover.
The Accidental Damage cover option helps protect you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents.
You can choose optional cover to protect your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance. Some portable contents must be specified as Listed Portable Contents with the full replacement value to be covered away from the home.
The Motor Burnout option covers you if an electrical current damages your household electrical motors. This cover is automatically included if you have taken optional Accidental Damage cover.
Flood cover may be available as an optional cover to your buildings and/or contents. A 72 hour exclusion period applies.
Domestic workers’ compensation cover
Cover for a domestic worker (e.g. gardener or cleaner) if they are injured while working for you at the insured address. Only available in ACT, WA and TAS
Home Insurance Calculators
It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself. Remember, we will only pay up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) – so you should also be careful not to over insure. That’s why we’ve provided these calculators. They work as guides to help you estimate the replacement value of your home building and contents.
Home Building Replacement Calculator
Home Contents Replacement Calculator
Make a claim
To lodge a Home & Contents Insurance claim
Online, any time
A convenient way to lodge a Home & Contents Insurance claim is via the online claim form. You can commence submitting your Home & Contents Insurance claim notification 24 hours a day, 7 days a week.
All you need to do is complete the online claim form. Once it is lodged, a friendly claims consultant will contact you as soon as possible.
- Secure form
- No phone queues
- Immediate confirmation number for your reference
Over the phone – 24 hours a day, 7 days a week claims service.
You can call the claims hotline on 1300 555 030 and a consultant will help you commence the claims process.
Call 1800 097 199
Policy documents and Key Fact Sheets
We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the relevant Home or Landlord Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Buildings or Home Contents Key Fact Sheet/s also available for reference.