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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.

 

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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 replacement, 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.

 

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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
Explosion
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
Explosion
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
Accidental breakage of glass Yes Yes Yes
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
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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 No specified limit
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
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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 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 as soon as possible.

  • 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 claims hotline

Alternatively, you can call us on 1300 555 013 and one of our friendly consultants will take you through the claims process.

Southern Cross Credit Union, ABN 82 087 650 682 AFSL No 241000 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708.

We do not provide advice on this insurance based on any consideration of your objectives, financial position or need. Policy terms, conditions, limits, exclusion and underwriting criteria apply.   Before making a decision please consider the relevant Product Disclosure Statement available from:

Classic Home Insurance PDS

Vital Home Insurance PDS

Prestige Home Insurance PDS

Key Facts Sheets

If you purchase this insurance, Southern Cross Credit Union will receive a commission that is a percentage of the ‎‎premium. Ask us for more details before we provide you with any services on this product.

+To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus.

^Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

# Important Information about Personal Effects Cover: Premium amount payable in addition to your home building and/or contents premium. Calculation based on specifying a single mobile phone valued at $1000 as personal effects. Current as of 21/08/2014. Please refer to your PDS for full terms and conditions.

  1. Applicable when contents cover taken out
  2. Applicable when buildings cover taken out
  3. Applicable when buildings cover only taken out
  4. Flood cover is available for all eligible property addresses. Flood cover is an option on both Building and Contents in home and landlords insurance policies. The cover is designed to protect customers against damage to their buildings and/or contents in the event of a Flood up to the value of the sum insured. Flood cover is subject to eligibility.
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