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Contents insurance

Get cover for items in your home, even if you accidentally leave a window or door unlocked

Additionally, you can add a portable contents option to cover items like laptops or jewellery that might get lost or stolen when you're out and about.

For premium contents cover, choose Contents Plus when you're getting a quote.

Get a quote Make a claim online with CGU

Contents Insurance includes:

  • Theft & vandalism​
    Cover for stolen items and damage to your items from robbery and vandalism, including stolen keys.​
  • Flood, storm & storm surge​
    Cover for loss or damage to your items caused by flood, rainwater run-off, storm, storm surge, and tsunami.​1
  • Fire​
    Cover for loss and damage to your items caused by fire (including bushfire).
  • Temporary accommodation​
    If your home can't be lived in after a covered event, CGU pays for temporary accommodation.2
  • No excess for food spoilage
    If your fridge stops working after a covered event, CGU will pay for spoiled food and prescription medicine.3

Optional cover

Accidental damage

Add cover for damage to your items from unintentional mishaps in your home. 4

Valuable contents

Increase your cover for some items in your home like art, jewellery and collectables.

Motor burnout

Add cover for electric motor burnout in appliances (like washing machines), including parts and labour. 5

Portable contents

Choose to cover items like glasses, jewellery, laptops, and mobile phones when you take them outside your home. 6

Do you know how much your contents are worth?

Avoid the possibility of under-insuring your contents and make sure you have appropriate cover for your important possessions.

Home contents value calculator

Calculate contents value

Why choose to insure through CGU?

Flexible payment options

Choose your cover and pay fortnightly, monthly or quarterly at no extra cost.

Claims guarantee

CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home.

Manage your insurance online

For policies purchased or renewed after DATE, certain updates can be made online.

Manage your insurance online

For policies purchased or renewed after DATE, you can make certain updates online, such as adjusting your excess amounts or optional benefits.

Simply log in to your account to see the available options. For assistance, call CGU at .

For significant changes, like purchasing a new car, please call us directly at .

Manage your insurance online

Need to make a claim?

Call our partner CGU's claims team 24 hours a day, seven days a week on 13 24 80 to lodge a claim.

Home or motor vehicle claims can also be made online by visiting the CGU Insurance claims page or by logging in to your CGU online account.

Call CGU on 13 24 80 Make a claim online with CGU

Frequently asked questions

Yes, you can. The calculation provided is just a guide. It's your responsibility to ensure your home is insured for its full replacement value. However, if you insure contents for more than the cost to repair or replace, CGU will only pay the actual cost of repairing or replacing.

Accidental damage cover protects you when unexpected mishaps occur around your home. For instance, it would cover you if your child accidentally knocked over the TV and broke the screen. Whether your contents are covered depends on your policy. Accidental damage cover can be added as an optional benefit to your Contents Standard policy. If you upgrade to Contents Plus, it’s automatically included.

  • General contents: These are items you keep in and around your home that aren't permanently attached to the structure, like furniture.
  • Valuable contents: These are part of your general contents but have a coverage limit of $2,500 in total for all items in the following categories:
    • Works of art
    • Collections
    • Jewellery and watches
    You can insure items in these categories for higher amounts by opting for Valuable contents as an additional benefit. 
  • Portable contents: These are items that you or your family can take outside of your home. Coverage for these items is only available if you choose portable contents as an optional benefit.

General contents held in storage can be covered under a home insurance policy if you inform CGU before moving your items into storage and if CGU's acceptance criteria are met. Refer to the Product Disclosure Statement for information on items not covered while in storage.

Please note: Valuable contents are not covered while in storage.

The changes you can make to your policies using your online account depend on the specific policies you hold.

For example, if you have a Comprehensive Car Insurance policy, you can:

  • Add/edit the car's VIN
  • Add/remove a windscreen option
  • Add/remove a hire car
  • Add/remove drivers
  • Add/remove the car's credit provider
  • Amend your excess
  • Amend your sum insured
  • Change and view your risk address
  • Change kilometres driven/garaging
  • Change the address where the car is kept
  • Change your car's number plate details
  • Switch from agreed value to market value

For more information about what changes you can make to your policy, please
contact CGU on 13 24 81.

Important information

Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.

Police & Nurses Limited (BCU Bank) ABN 69 087 651 876 AFSL 240701 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand. The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs (your personal circumstances). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations (TMDs).

1. CGU don’t cover actions of the sea, such as tides and waves.

2. If you have Contents Insurance, and you're renting the home (a tenant), CGU pays the reasonable extra rent costs for temporary accommodation. If you own and live in your home (and it's part of a strata or similar scheme),CGU cover the reasonable costs of temporary accommodation.

3. CGU pays up to $500 for Contents Standard, or up to $2,000 with Contents Plus.

4. CGU doesn't cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use.

5. CGU cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.

6. Portable items are covered for loss, theft and accidental damage. Cover is up to $10,000 for each item unless you list it separately for more. There are other limits for items taken outside Australia or New Zealand, check the PDS. CGU don’t cover scratches and dents or items being cleaned or repaired. CGU doesn’t cover fishing equipment, sporting equipment, drones, musical instruments or firearms while they’re in use. CGU doesn’t cover bicycles while they’re being used in a competitive race or time trial.