Fixed Rates 

3.70% pa

2 Year Fixed Rate*1


4.33% pa

Comparison rate*


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Home Building & Contents Insurance

Protect your biggest asset with your choice of Prestige or Classic home insurance

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Whatever your style of home, you’ll want to make sure it’s protected.  That’s where Southern Cross Credit Union can help.


 Compare Now   Get a Quote

We’ve taken the hassle out of comparing our insurance products. Our home building and contents insurance includes a range of features and benefits designed to give you peace of mind. Whether you are looking for cover for insured events or more comprehensive cover, we can assist.

Our home insurance offers:

  • Combine your buildings and contents covers on the one policy to receive a further discount of up to 10%*
  • Up to a 30% No Claim Bonus*+
  • Pay by the month at no extra premium^
  • Dedicated claims support 24/7
  • New for old contents replacement1, regardless of age

Prestige Insurance

Our premium product covers you for any accidental loss of damage to your buildings and/or contents (unless we state otherwise in the policy).  Other benefits include legal defence costs, cover for contents in transit and double the legal liability of our Vital product.

Classic Insurance

This cover includes everything from our vital product plus some higher policy limits and some additional features and benefits such as cover for fusion of household electric motors.

Vital Home Insurance

Protection in the event that your home is broken into or damaged by insured events such as storm, fire or earthquake.


You are protected against damage and loss caused by: Vital Classic Prestige
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Events covered Insured Events

Accidental breakage (of glass)
Earthquake and tsunami
Fire or smoke
Impact damage
Lightning or thunderbolt
Malicious acts
Riot or civil commotion
Storm, rainwater or run-off
Theft, burglary or housebreaking
Water or other liquid damage

Insured Events

Accidental breakage (of glass)
Earthquake and tsunami
Fire or smoke
Impact damage
Lightning or thunderbolt
Malicious acts
Riot or civil commotion
Storm, rainwater or run-off
Theft, burglary or housebreaking
Water or other liquid damage

Any Accidental Loss or  Damage unless specifically excluded
Automatic indexation of sum insured Yes Yes Yes
Compensation for death
(Up to $10,000)
Yes Yes Yes
Compensation for Fracture
(Limits apply)
- Yes Yes
Contents in the open air at your risk address (Sub-limits apply for selected contents based on insured events loss or damage) Yes Yes Yes
Contents in safe deposit box - Accidental loss or damage, excluding theft (Up to 20% of contents sum insured) Yes Yes Yes
Credit cards - cover for fraudulent use or lost or stolen cards Up to $2,500 Up to $5,000 Up to $5,000
Emergency storage of contents Yes Yes Yes
Environmental benefits Yes Yes Yes
Guests', visitors' and domestic helpers' property (Up to $5,000) Yes Yes Yes
Landscaping - Yes Yes
Tax Audit - Yes Yes
Legal Defence Costs - - Yes
Transit to your new place of residence - - Yes
Fusion of electric motors - Motors up to 10 years old Motors up to 12 years old
Accidental damage - - Yes
   Get quote  Get quote  Get quote
See more benefits      
Mortgage discharge costs Yes Yes Yes
Legal liability cover Up to $10,000,000 Up to $20,000,000 Up to $20,000,000
Modifications of buildings for paraplegia & quadriplegia (Up to $10,000) Yes Yes Yes
Replacement of locks and cylinders Up to $1,000 Up to $1,000 Up to $2,000
Security firm attendance (Up to $500) Yes Yes Yes
Spoilage of refrigerated/freezer food - Up to $500 Up to contents sum insured2
Temporary removal of Contents from your risk address Up to 20% of sum insured with sub-limits for listed contents, while kept where temporarily residing Up to 20% of sum insured with sub-limits for listed contents, while kept where temporarily residing Up to 20% of sum insured with sub-limits for listed contents, while kept where temporarily residing / or up to $7,500 for contents anywhere else in Australia or NZ
Title deeds (Up to $2,000) Yes Yes Yes
Veterinary costs (Up to $500) Yes Yes Yes
  Get quote Get quote Get quote

This information about insurance cover is a summary only.  You should consider whether this insurance product is suitable for your circumstances and consider the Policy Document (Product Disclosure Statement) (‘PDS’) and Key Fact Sheets for Vital Home Insurance, Classic Home Insurance and Prestige Home Insurance.

To make an insurance claim online:

Online, any time

The fastest, easiest way is via our online claim form. You can submit your insurance claim notification 24 hours a day, 7 days a week, whenever it suits you.

It generally takes less than 10 minutes to complete the online claim form, and once we receive it, one of our friendly claims consultants will contact you within 48 business hours.

  • Secure form
  • There are no phone queues
  • Immediate confirmation number for your reference
  • You can submit your home insurance claim form 24 hours a day, 7 days a week

Submit your claim to our underwriter via the online claim form.

Over the phone - 24 hours a day, 7 days a week Allianz claims lodgement hotline - 1300 555 030

Alternatively, you can call us on 1300 360 744 during business hours and one of our friendly consultants will take you through the claims process.

 Supportive Throughout the Process

John was very supportive throughout the process and consistently responded effectively and efficiently. Despite the loan for our property not being straight forward, John did a great job to navigate us through and helped to resolve issues in a timely manner. We had a tight settlement date which was no doubt achieved by the effort John put in behind the scenes. 

Jilly & Dan

 Understood my Needs on a Personal Level

As an investor, I have had plenty of dealings with big banks and brokers over the years, some good, some not so good. But when it came to my family home, I needed someone who understood my needs on a personal level. My wife and I decided to go local and one name that was thrown at us over and over again was Stephen Distant from Southern Cross Credit Union. From the outset, Steve knew his stuff and it showed through his professionalism, knowledge and experience which was extremely important to us. Nothing was a problem for Steve and the whole process was so easy and stress free. 


 It's Wonderful to Have the Support

One of our lovely volunteers just returned from picking up leftover Daffodil Day merchandise from Jenny at First National. Jenny informed her that Southern Cross Credit Union was integral to their success in raising over $2,000. Thank you for supporting this event. I believe you also hosted a Pink event today- thank you also for that. It’s wonderful to have the support of local businesses. Funds raised help us support local cancer patients and their families and also contribute to research projects and advocating to government. 


 One of the Most Supportive BDM's I've Ever Had

I would just like to thank you for assisting me and providing me with amazing support. I am accredited with over 59 banks, lenders and private funders and you would be one of the most supportive BDM’s that I have ever had. I am working on between 20 and 30 loans at any times and the smooth transition of home loans with you have been seamless. I really do appreciate all of your hard work and support. 

Renae (Broker)

 Should Have Done it Years Ago

You were professional to deal with and responded to my queries promptly. Initially I was concerned about changing to a non bank lender, especially one outside Sydney, but you came recommended so we decided to go with you. I am now very happy that we moved to the Southern Cross Credit Union. We should have done it years ago. 


 SCCU Works for Me

I really appreciate the warm service at SCCU Byron Branch that makes popping in to do some banking surprisingly enjoyable. The friendly atmosphere has really encouraged me to make some big personal savings towards my goals and I like knowing my money is invested locally. SCCU works for me. 


 Amazing People

We have been with SCCU for over 45 Years and for the last 24 of them with our business as well. The staff are amazing people to do your banking with and the loans division make every buying and selling experience so easy. Our little hiccups have never been a drama for the staff to help us solve and nothing is ever too much trouble to help us along the way to building our business through banking. Their rates are always competitive and we would never consider another bank or financial institution for all our needs. Loyal staff and loyal friends = Best Bank Ever. 

Neil & Kathalina

 An Ethical Business

My husband and I have been members of SCCU for many years. We are grateful for the fantastic service that we receive. The girls on the tellers will go out of their way to help us even when we have difficult requests. They are always super friendly and often will add a personal touch by delivering documents to our door and following up on any business that we have with them even when they don't have to. I would definitely recommend banking with them as they are an ethical business that does not have vested interest in activities that destroy the environment. 


 Awesomeness Perfected

Thank you so much Rachael from Southern Cross Credit Union. It has been such a pleasure having a loans manager who is so amazing to work with and has awesomeness perfected. 

Diane & Joe

 Enjoyable In-Branch Experience

We chose to bank with our local SCCU for many reasons. The staff are very cheerful and helpful. It is an enjoyable in-branch experience at a convenient location. Opening hours are longer than most other banks in our area and they are open every weekday. We bank exclusively with SCCU for our personal, business and children's accounts. We have always been happy with their customer service and have recommended SCCU to our local sports club and school. 

Tony & Alisha

 Big Style Service with a Smile

I switched a number of years ago to my local Southern Cross Credit Union when I became frustrated by my previous banks lack of accountability, costs and excessive time delays for such a large corporation. I immediately felt a sense of relief that all is not the same when it comes to banking and SCCU treat you as a person to be serviced. You can see that they make true efforts to get what you need done promptly and there is always a person to talk to. It's big style service with a smile complimenting modern banking! 


 Nothing is a Problem

I have been a member of 'The Southern Cross Credit Union' since 1985. In that time I have seen many employees come and go. Every employee over that period has been so efficient, friendly and personable. They have always been obliging and helpful. Nothing is a problem. I am so glad I left a so called 'Traditional Bank' and joined the Southern Cross Credit Union. I attended the opening of their new 'vogue' branch in Ballina and I wish them all the best of wishes for the success of their new plan. 

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