As a tenant in a rental property, it's sometimes hard to know what you need to cover and what you don't. Getting the appropriate cover for your contents in somebody else's property doesn't have to be difficult. Our Renters’ insurance makes it easy for you to protect your belongings from loss or damage due to a range of insured events such as theft, fire and storm. A summary of the differences in our products is set out below.
Renters' Insurance Comparison Table
|You are protected against damage and loss caused by||Vital||Classic||Prestige|
|Get a quote||Get a quote||Get a quote|
|Fire and theft||Yes||Yes||Yes|
|Storm, lightning, water from leaking pipes, earthquake and meteorites||Yes||Yes||Yes|
|New for old replacement*||Yes||Yes||Yes|
|Legal liability cover||Up to $10,000,000||Up to $20,000,000||Up to $20,000,000|
|Cover for fraudulent use of lost or stolen credit cards||Up to $2,500||Up to $5,000||Up to $5,000|
|Replacement of locks or cylinders||Up to $1,000||Up to $1,000||Up to $2,000|
|Contents in the open air at the risk address
|Contents in a safe deposit box||Yes||Yes||Yes|
|Guests', visitors' and domestic helpers' property (up to $5,000)||Yes||Yes||Yes|
|Temporary removal of contents from your risk address||Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing||Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing||Up to 20% of contents 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|
|Compensation for death
(up to $10,000)
|Security firm attendance (up to $500)||Yes||Yes||Yes|
|Compensation for Fracture (limits apply)||No||Yes||Yes|
|Title deeds (up to $2,000)||Yes||Yes||Yes|
|Veterinary costs if your dog/cat is injured in a road accident (up to $500)||Yes||Yes||Yes|
|Automatic indexation of sum insured||Yes||Yes||Yes|
|Fusion of electric motors||No||Up to 10 years old||Up to 12 years old|
|Spoilage of perishable food||No||Up to $500||Up to Contents Sum Insured1|
|Legal defence costs||No||No||Yes|
|Additional benefits included in higher level covers|
|Contents in transit to your new place of residence||No||No||Yes|
|Personal effects cover||Optional||Optional||Optional|
|Domestic workers' compensation||Optional
|Get a quote||Get a quote||Get a quote|
*Where we agree to replace your contents
1 Unless caused by a declared natural disaster in which case this is limited to $500. No excess is applicable.
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 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.
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.
This information about insurance cover is a summary only. We do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider whether this insurance product is suitable for your circumstances and consider the relevant Policy Document (Product Disclosure Statement) (‘PDS’). Key Fact Sheets are available for our home insurance.
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.