BSB 805 050

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BSB 805 050

Home & Contents Insurance

We’ve got your building and contents covered at a price you can live with

Home & Contents Insurance designed to help protect your greatest assets.

For most people their home is their biggest asset, not to mention all the valuable items inside. If you are a home owner or renter, protect your dream home and the things you love from the unexpected.

CGU's home insurances let you pick and choose so you’ll always get the best value. You have the option to add on or leave out valuable items to make sure you're only paying for the cover you want.

Have peace of mind that you are covered for major events such as flood, storm, fire, theft and much more. Your cover will help you repair or replace your home and contents so that you’re back on your feet as soon as possible.

In partnership with leading insurance company CGU, one of Australia’s most trusted and credentialed insurers, we offer you two flexible Home and/or Contents insurance cover options; Accidental Damage and Listed Events

Use our online building insurance and contents insurance calculators to work out exactly how much insurance you really want.

Want a quote?

We can provide everyone with a quote, but to take the quote to policy, you must be a member of People’s Choice Credit Union. Get more information or apply to become a member.

Get a quote today

Alternatively, for a quote please call 13 11 82 or visit your nearest branch - it’s quick and easy.

How to make an insurance claim

To make a claim, click here or contact the dedicated 24-hour claims hotline on 13 24 80.
To enquire about an existing claim, call us on 13 11 82.


Compare the benefits of our Accidental Damage and Listed Events cover

Key benefitsAccidental DamageListed Events
Accidental Damage cover Yes Fixed glass and windows only Optional extra for valuable items available
Accidental Loss cover Yes No;
Optional extra for valuable items available
New for old contents cover Yes Yes
Bicycle cover (Australia wide) Yes No
Mobile phone cover (up to $2,500) (Australia wide) Yes Only available with optional extra for valuable items
Photographic equipment cover (up to $2,500) (Australia wide) Yes Only available with optional extra for valuable items
Camping equipment cover (Australia wide) Yes No
Fortnightly, Monthly or Annual payment options Yes Yes
Electrical burnout of motors and pumps less than 15 years old Yes Yes
Replacement of keys and repair and re-coding of locks and barrels for either external doors or windows Unlimited Up to $1,000
Money and negotiable documents Up to $1,250 Up to $750
Credit card loss liability Up to $5,000 Up to $5,000
Works of art including paintings and rugs Up to $20,000 per item, unless specified separately Up to $20,000 per item, unless specified separately
Loss of frozen foods as a result of domestic freezer failure Unlimited Up to $500
Loss of frozen food from any cause Unlimited No
Liability cover $20 million $20 million
Trees, plants and shrubs replacement Up to $1,500 Up to $1,500

Please refer to the relevant Insurance Product Disclosure Statement for full details of cover limits and terms and conditions.

Please refer to the relevant Key Facts Sheets for details of our Home Building and Home Contents policies.



Most popular questions...

More questions...

  • What happens with my excess?

    All excesses are specified in your insurance policy schedule or policy booklet and conditions regarding the payment of your excess will vary depending on the policy type, i.e. motor, land, etc.

    For example, with a motor claim, if CGU determine that you are not ‘at fault’ in an incident, CGU will not deduct the excess specified in your insurance policy when CGU settle your claim. However, if CGU determine you are ‘at fault’, the excess will apply.

  • Would my home and contents be covered for flood?

    From February 2012 all new and renewed policies for Home & Contents and Landlords Residential Property Insurance will automatically include flood cover. Whether it's from a river or storm water, our flood cover will protect your greatest assets with the cover you need.

  • Do I need to have confirmation of ownership of my contents?

    We will ask for reasonable confirmation of ownership. This will allow us to replace your item or items with the best possible match.

    This type of confirmation can vary from item to item, or situation to situation. A combination of receipts, warranty books and photos are the preferred methods of confirming ownership.

  • What is the level of contents insurance cover that I should have?

    In the event of a loss you will want to replace any items damaged or stolen with brand new items, so you will need to have enough insurance to cover the replacement cost of all your contents. And think about more than just your 'big ticket' items like the fridge and tv - there are a lot of items of value inside your cupboards too! Remember to add on the cost of replacing clothes, crockery, books etc.

  • What is an excess?

    When you make a claim you may need to contribute an amount towards the cost of that claim. This is called an excess.

  • How can I pay my insurance premiums?

    Your insurance premium can be deducted from an account you nominate on either a monthly or annual basis at no extra cost.

  • Do I get a discount if I have an alarm?

    Yes, People's Choice Credit Union offers reduced contents premiums for homes with a local alarm and extra reductions if it's a monitored back to base alarm.

  • Am I covered for my personal effects away from home?

    At People's Choice Credit Union we can arrange a policy for you that covers your personal items away from home.


Thank you for your enquiry. Unfortunately we don’t have a branch in this area, so please call us on 13 11 82 to see how we can still help you.

How do I calculate how much insurance I need for my home building?

Calculate how much to insure your home building for.

Launch Calculator

How do I calculate how much insurance I need for my home contents?

Calculate how much to insure your home contents for.

Launch Calculator

I want to... Get Insurance

Knowing what insurance to take out is all about knowing what’s important to you.

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Subject to the product issuer’s underwriting rules and acceptance guidelines.
Terms, conditions and exclusions apply and are available upon application.
The information above is general advice only and does not take into consideration your personal objectives, financial situation or needs (“your personal circumstances”). Please consider the relevant Product Disclosure Statement (PDS), other Disclosure Documents and your personal circumstances before making any decision to purchase the products. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.
General insurance (including Travel Insurance) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. All our insurance issuers pay commission at rates which range from 0% - 40% of the base premium. The commission rate varies depending on the type of insurance.
People’s Choice Credit Union, a trading name of Australian Central Credit Union Ltd. ABN 11 087 651 125 Australian Financial Services Licence 244310, acts under its own Australian Financial Service Licence and under an agreement with the insurer Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance.

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