Home Insurance

Building Plus

Building Plus gives you:

A Safety Net of an extra 25% on top of your sum insured, if your home needs to be rebuilt or repaired.

Plus, 2 years’ temporary accommodation if you can’t live in your home, instead of 12 months with Building and Contents Insurance Standard.¹

Plus, higher limits on some inclusions, like landscaping. 

Read the Product Disclosure Statement to see exactly what’s included.

^{1 | If you have Building Insurance with CGU and you own and live in your home, CGU cover the reasonable costs of temporary accommodation. As long as you were living in the home permanently before the incident, CGU pay for accommodation for up to a year for the Home Building Standard policy (or up to two years if you have a Home Building Plus policy), or when your home is repaired or replaced (whichever is first). CGU pay your temporary accommodation costs up to 10% of your sum insured for Home Building Standard policies, and up to 20% for Home Building Plus. CGU need to be satisfied your home is unliveable and CGU need to agree to the cost before you make arrangements.}

^{2 | CGU doesn’t cover actions of the sea, such as tides and waves.}

^{3 | Cover applies if the incident happens at your home or the site (under Building insurance).}

^{4 | CGU covers motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.}

^{Excesses may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.}

^{MoveBank Ltd ABN 91 087 651 090, AFSL 227681 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand}

^{The information on this website 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 a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement}, ^{Building Key Fact Sheet, Target Market Determinations and Premium, Excess and Discounts Guide is available for your reference.} 

Contents Plus

Contents Plus gives you:

Contents Plus gives you up to 2 years’ temporary accommodation if you can’t live in your home due to it being in an unliveable state, instead of 12 months with Contents Insurance standard.²

Plus, motor burnout and accidental damage automatically included.

Plus, higher limits on some inclusions, like food spoilage. 

Read the Product Disclosure Statement to see exactly what’s included.

^{1 | CGU doesn’t cover actions of the sea, such as tides and waves.}

^{2 | If you have Contents Insurance, and you’re renting the home, CGU pays the reasonable extra rent costs for temporary accommodation. If you own and live in your home, CGU cover the reasonable costs of temporary accommodation. As long as you were living in the home permanently before the incident, CGU pay for accommodation for up to a year for the Home Contents Standard policy (or up to two years if you have a Home Contents Plus policy), or when your home is repaired or replaced (whichever is first). CGU pay your temporary accommodation costs up to 10% of your sum insured for Home Contents Standard policies, and up to 20% for Home Contents Plus. CGU need to be satisfied your home is unliveable and we need to agree to the cost before you make arrangements.}

^{3 | CGU pays up to $500 for Contents Standard, or up to $2,000 with Contents Plus.}

^{4 | CGU doesn't cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use.}

^{5 | CGU cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.}

^{6 | Portable items are covered for loss, theft and accidental damage. Cover is up to $10,000 for each item unless you list it separately for more. There are other limits for items taken outside Australia or New Zealand, check the PDS. CGU don’t cover scratches and dents or items being cleaned or repaired. CGU doesn’t cover fishing equipment, sporting equipment, drones, musical instruments or firearms while they’re in use. CGU doesn’t cover bicycles while they’re being used in a competitive race or time trial.}

^{Excesses may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.}

^{MoveBank Ltd ABN 91 087 651 090, AFSL 227681 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand}

^{The information on this website 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 a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement , Target Market Determinations}, ^{Contents Key Fact Sheet and Premium, Excess and Discounts Guide is available for your reference.}