Home Building & Contents Insurance
Protect your biggest asset with your choice of Prestige or Classic home insurance
Home Building & Contents Insurance
Whatever your style of home, you’ll want to make sure it’s protected. That’s where Southern Cross Credit Union can help.
Why Choose Southern Cross Credit Union Home Insurance?
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.
Need more information?
Home Insurance Comparison Table
| You are protected against damage and loss caused by: | Vital | Classic | Prestige |
| Get quote | Get quote | Get quote | |
| Events covered | Insured Events Accidental breakage (of glass) |
Insured Events
Accidental breakage (of glass) |
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 |
| 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 | 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 |
| Get quote | Get quote | Get quote | |
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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. |
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How to Claim
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 555 030 and one of our friendly consultants will take you through the claims process.
Important Information
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:
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.
- Applicable when contents cover taken out
- Applicable when buildings cover taken out
- Applicable when buildings cover only taken out
- 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.