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

We offer two tiers of protection for Buildings, Contents or combined cover so that you can choose the right cover for your needs. Also, our fixed and variable home loan rates are incredibly competitive - click here to learn more.

  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

 

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Choose the right policy for you

Features

Accidental Damage

Listed Events

Accidental damage or accidental loss

Alternate accommodation
Paid in addition to the 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

Burning out of an electric motor for motors up to 15 years old

CDs, DVDs, BluRay® discs and software
Up to $20,000 per item or boxed set unless specified

Contents at home in the open air

Up to $2,000 for the events listed

Credit card and transaction card misuse


$5,000


$5,000

Fine art, paintings and works of art
Up to $20,000 per item unless specified

 

Flood Cover (Automatic)

Frozen food following breakdown of freezer


Includes accidents


Up to $500

New-for-old replacement cover (Contents)

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

Replacing keys and repairs to and recoding of locks and barrels


No limit


Up to $1,000

Valuable items
Jewellery, mobile phones, tablet computers, notebook computers, cameras & photographic equipment, portable music players, etc.

20% of sum insured or $7,500 whichever is greater (Up to $2,500 per item)

20% of sum insured or $5,000 whichever is greater (Up to $2,500 per item)

 

Optional additional valuables cover
Worldwide cover for up to 90 consecutive days


$250 excess


$250 excess

Vet expenses if your pet is injured in a road accident


Up to $500


Up to $500

This table is a summary of highlighted features and benefits only. Please refer to the CGU Accidental Damage Home Insurance Product Disclosure Statemets (PDS), CGU Listed Events Home Insurance Product Disclosure Statement (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.

 

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