Home & Contents Insurance

Home Insurance

Whatever your style of home, you’ll want to make sure it’s protected.  That’s where Allianz can help, with this and more:

Why choose home insurance through Central Murray Credit Union underwritten by Allianz

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;

Choice of home insurance products

Vital Home Insurance

Protection in the event that your home is broken into or damaged by insured events such as storm, fire or earthquake.

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.

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. Compare now

Home insurance comparison table

 

Vital

Classic

Prestige

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   Key Benefits

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

Accidential Breakage of glass Yes Yes Yes

Automatic indexation of sum insured

Compensation for death

(Up to $10,000)

Compensation for Fracture (Limits apply) - Yes Yes

Contents in open air at the risk address

(Sub-limits for selected contents based on insured events loss or damage)

Contents in safe deposit box – Accidental loss or damage, excluding theft

(Up to 20% of contents sum insured)

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

Fusion of electric motors

-

Motors up to 10 years old

Motors up to 12 years old

Guests', visitors' and domestic helpers' property

(Up to $5,000)

Landscaping - Yes Yes
Tax Audit - Yes Yes
Legal Defence Costs - - Yes
Transit to your new place of residence - - Yes
Accidental Damage - - Yes

   See more benefits

Legal liability cover

Up to $10,000,000

Up to $20,000,000

Up to $20,000,000

Modifications to buildings for paraplegia & quadriplegia

(Up to $10,000)

Replacement of locks and cylinders

Up to $1,000

Up to $1,000

Up to $2,000

Security firm attendance

(Up to $500)

Spoilage of refrigerated / freezer food

-

Up to $500

No specified limit

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.

Title deeds

(Up to $2,000)

Veterinary costs

(Up to $500)

 

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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’) for

Vital Home Insurance

Classic Home Insurance

Prestige Home Insurance

Key Fact Sheet - Home and Contents Insurance

How to claim

To make a home insurance claim online:

Online, any time

The fastest, easiest way is via our online Claim Form. You can submit your home 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.

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.

Disclaimer

Central Murray Credit Union Limited ABN 69 087 651 812 AFSL 239446 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.

* Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements.  Any online discounts offered are applied to our standard rates (excluding optional covers) [and are for the first years premium only (unless stated otherwise)]‎

+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.

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.