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Renters' Insurance

Protect your belongings from loss or damage due to a range of insured events

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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.

 

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 You are protected against damage and loss caused by Vital Classis Prestige
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Fire and theft Yes Yes Yes
Storm, lightning, water from leaking pipes, earthquake and meteorites Yes Yes Yes
Accidental damage No No Yes
Flood Optional* Optional* Optional*
Standard benefits
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 (limits apply) Yes Yes Yes
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) Yes Yes Yes
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 No specified limit
Legal defence costs No No Yes
Tax audit No Yes Yes
Additional benefits included in higher level covers
Contents in transit to your new place of residence No No Yes
Optional benefits      
Personal effects cover  Optional Optional Optional
Domestic workers' compensation Optional* Optional* Optional*
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^at our discretion and subject to availability

*Not available in all States or Territories of Australia

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. 

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.

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.

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