BSB 805 050

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BSB 805 050

Landlord Insurance

Protect your investment and relax with insurance that lets you choose the type of cover you want

We'll protect your home loan repayments if you're unable to work

Optional cover for loss of rent and theft

Includes cover for vandilism and malicious acts

Protection for your investment property made easy

We understand that as a landlord it can be stressful maintaining an investment property and dealing with tenants. Landlords insurance can give you peace of mind and confidence that your property will be looked after should something go wrong.

We’ve teamed up with one of Australia’s most credentialed insurance organisations, CGU, to provide Landlords Residential Property Insurance that protects your building and contents with optional additional cover so you only pay for what you want.

Use our online building insurance calculator to work out exactly how much insurance you really want.

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. 



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.


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.



What am I covered for?

Flood automatically included

Fire, explosion, earthquake, storm, rainwater, wind, tsunami, theft and liquid damage

Malicious damage by tenants - CGU will cover your buildings or contents for loss or damage caused by a tenant or their visitors

Additional cover for removal of debris and demolition that results from loss to your building or contents, up to 10% of your building or contents sum insured

Additional cover for the cost of employing an architect or surveyor and also any legal fees that arise from the rebuilding of your home, up to 10% of your building sum insured

If you sell your home, CGU will extend the building cover to the purchaser until the contract settlement date, the purchaser insures the home, or the purchaser becomes liable for damage to the home (whichever happens first)


Optional Additional Cover

Loss of rent - if your buildings suffer loss or damage and are uninhabitable as a result, CGU will cover loss of rent for up to 12 months

Rent default and theft by tenant - CGU will cover rent default and theft by tenant and associated legal costs as a direct result of the incident up to $5,000

Strata title mortgage protection - CGU will cover the amount you must pay to settle your mortgage following loss or damage to buildings that you own under a strata title or similar plan

Legal liability - CGU will cover your legal liability as a result of any incident listed in the product disclosure statement that causes loss or damage to someone else's property or death or bodily injury to other people, during your period of insurance. Choose from $5 million, $10 million, $15 million or $20 million cover



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



Most popular questions...

More questions...

  • What happens when I make a claim?

    Once your claim is lodged with CGU, they will allocate a claims consultant who will contact you with the next step. Your claims consultant will keep you informed about your claim's progress along the way.

    CGU will give you a claim number which will be your ongoing reference to the claim. You can use this reference for all claims enquiries when providing information to CGU on your claim.

    Some claims are simple, but others are more involved - either way, you can be sure that CGU will be working as quickly and efficiently as possible to process your claim.

  • 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.

  • How can I find out how my assessment or repair is progressing?

    For queries on motor assessments and repairs you can call 13 24 80 (13 CGU 0) from 8.00am - 5.00pm (ACST) Monday to Friday.


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.

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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