Home & Contents Insurance

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Saturday 19/05/2012 00:13 est

Home & Contents

Safeguarding your home and possessions

We all have our valued possessions, along with many more we take for granted. While some are irreplaceable, there are a surprising number we would need to replace, should the worst happen. From kitchen appliances to the kitchen sink and house itself, it all adds up.

What if a major catastrophe – like fire, lightning, storm damage or falling trees – hit your home? How would you afford to replace the clothes, furniture, books and other items lost in a fire? What would be the real cost of rebuilding or repairing your home to the quality and size it is now?

And what of those essentials of daily life we take out and about – music players, mobile phones, digital cameras and sunglasses? Small, portable, easy to lose, and appealing to thieves. Costly to replace and frustrating to do without.

Home Cover is CMCU’s building, contents and valuables insurance solution that can protect any or all of these scenarios.

Strata Home Contents cover is specifically designed for owners and occupiers of strata properties and works hand in hand with strata title insurance organised by the body corporate. It's designed to protect the belongings and fixtures inside your strata.

Home Cover and Strata Home Contents both provide peace of mind that, if, through specific events, your property is damaged, destroyed, lost, or stolen, it can be repaired or replaced. And it will usually be on a “new-for-old” basis, regardless of the item’s age.

Competitive, convenient cover, backed by QBE

Home Cover is one of a comprehensive range of insurance solutions CMCU offers through our association with QBE Insurance.

Founded in 1886, QBE is one of Australia’s leading insurers. It’s because of QBE’s experience, security and strength – as well as its prompt, efficient and friendly claims service – that we’ve made it our insurance provider.

This partnership enables us to deliver CMCU members quality and value in insurance products, with the added convenience of having everything under the same roof.

Core Cover

Home Cover core defined events

Fire
Explosion
Lightening or thunderbolt
Earthquake or tsunami
Theft
Vandalism
Water or other liquid
Collision
Falling tree, branch or aerial
Damage by animals
Riot
Storm, Rain or Flash Flood
Accidental Glass Breakage

A Selection of Benefits

Benefits	Cover
New for old replacement on most items	✓
Legal Liability	$30 Million
Additional Benefits	Cover^
Burning out of electrical motors (fusion)	✓
Building sum insured safeguard	✓
Contents cover at both sites when you are moving home	✓
Cover for contents temporarily in storage	✓
Veterinary expenses for injuries casued by road accident, fire, lightning or earthquake	✓
Modification to the home due to paraplegia or quadriplegia caused by and insured event	✓
Accommodation Costs*	✓
Indentity theft expense	✓
Compensation for death caused by an insured event	✓
Spolied refrigerated food and medicines from power failure	✓
Essential temporary repairs	✓
Loss of credit cards - fraudlent use	✓
Cost of replacing locks if your house keys are stolen	✓
Optional Benefits	Cover
Accidental damage to your building	Optional extra
Accidental loss or damage to your contents	Optional extra
Storm Damage to gates and fences	Optional extra
Extended cover for contents in storage	Optional extra
Domestic workers compensation	Optional extra

^See policy wording for limits which apply

*Should you be unable to live in the home as a results of damage caused by a defined event
#Available in ACT, TAS & WA only for an additional cost

A range of ways to save

With CMCU, there are various ways to enjoy discounts on your premium.

Joint building and contents discount
Insure both your building and contents with CMCU and you get a discount on both policies.

Security discounts
The more secure your property is – through deadlocks, window locks, and either local or monitored alarms – the less you may have to pay.

Household no claim bonus
If you haven't made any claims in the past 3 years, you will be rewarded with a discount of up to 30%.

A choice of Excess
Your excess is the initial amount you have to pay yourself if you make a claim, and we offer options of nil excess, $250, $300 and $500. The higher the excess you choose, the lower the premium you’ll pay.

Over 50s Discount
If you’re a little older, your premium will reflect the lower-risk nature of your demographic.

Easy to arrange, simple to claim

The convenience of having Home Insurance under the same roof as your financial services isn’t the only way we make life easier. From making your application to making a claim, CMCU ensures things are as straightforward as possible.

You can apply online, by phone, or at any branch. Flexible payment options include fortnightly, monthly or annual direct debit, cash, cheque or credit card payments (excluding American Express).

If you do need to make a claim, we won’t make you wade through paperwork. QBE have a 24-hour emergency claims number, and in most cases, you need just provide details over the phone.

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Important Notes

Terms, conditions and acceptance criteria apply. Cover limits apply as set out in the policy wording. This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement available at all CMCU branches to decide if a product is right for you

Insurance issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545.

View the Home Cover Insurance Product Disclosure Statement and Policy Wording