Home & Contents Insurance
Home Insurance
Whatever your style of home, you’ll want to make sure it’s protected. That’s where Allianz
Why choose home insurance through Central Murray Credit Union
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;
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Up to a 30% No Claim Bonus*+
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Pay by the month at no extra premium^
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Dedicated claims support 24/7
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Accidental glass breakage cover
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Pay by the month at no extra cost^
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New for old contents replacement, regardless of age
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Receive a No Claim Bonus of up to 30% on your premium *+
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Combine your buildings and contents covers on the one policy to receive a further discount of up to 10%*
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
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Vital |
Classic |
Prestige |
| Obtain a Quote | Obtain a Quote | Obtain a Quote | |
Key Benefits |
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Events Covered |
Insured Events
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Insured Events
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Any Accidental Loss or Damage unless specifically excluded |
| Accidential Breakage of glass | Yes | Yes | Yes |
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Automatic indexation of sum insured |
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Compensation for death (Up to $10,000) |
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| Compensation for Fracture (Limits apply) | - | Yes | Yes |
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Contents in open air at the risk address (Sub-limits for selected contents based on insured events loss or damage) |
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Contents in safe deposit box – Accidental loss or damage, excluding theft (Up to 20% of contents sum insured) |
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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 |
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Fusion of electric motors |
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Motors up to 10 years old |
Motors up to 12 years old |
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Guests', visitors' and domestic helpers' property (Up to $5,000) |
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| 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 |
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Legal liability cover |
Up to $10,000,000 |
Up to $20,000,000 |
Up to $20,000,000 |
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Modifications to buildings for paraplegia & quadriplegia (Up to $10,000) |
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Replacement of locks and cylinders |
Up to $1,000 |
Up to $1,000 |
Up to $2,000 |
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Security firm attendance (Up to $500) |
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Spoilage of refrigerated / freezer food |
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Up to $500 |
No specified limit |
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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. |
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Title deeds (Up to $2,000) |
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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
Key Fact Sheet - Home and Contents Insurance
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.
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Secure form
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There are no phone queues
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Immediate confirmation number for your reference
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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.
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.
