Contents insurance
Pay monthly, no problem
You won't be charged more to split payments over the year – your annual premium is simply divided by 12.
New for old contents replacement
Which means if your saggy old sofa is damaged in a fire or flood, you'll get a new one.*
Flood cover
Enjoy added peace of mind knowing that cover for floods is included as a policy feature.*
24/7 claims
You can make a claim under your insurance any time of the day or night.
What's covered?
- Money
- Jewellery
- Furniture and whitegoods
- Computers and software
Choose the right cover for your home
Accidental Damage
This is the highest level of cover offered through BCU Bank. As well as cover for events like fire, theft, and flood, you'll also have cover for a range of other types of accidental loss or damage.
- Accidental damage or accidental loss
- Accidental breakage
Windows, mirrors, glassware, and more - Valuable items
Up to $7,500 or 20% of your sum insured, whichever is greater (maximum limits per item apply)
Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, and more - Optional additional valuables cover
Worldwide cover for up to 90 consecutive days (an excess of $250 will apply to claims under this option) - Contents at home in the open air
Up to the sum insured - Food spoilage
Up to $500 (includes GST) under this additional cover - Vet expenses if your pet is injured in a road accident
Up to $500 - Credit and transaction card misuse
Up to $5,000
Listed Events
Mid-level, quality cover for your contents – to help protect you from a wide range of events, including natural disasters, weather events, break-ins and more.
- Accidental damage or accidental loss
- Accidental breakage
Windows, mirrors, glassware, and more - Valuable items
Up to $5,000 or 20% of your sum insured, whichever is greater (maximum limits per item apply)
Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, and more - Optional additional valuables cover
Worldwide cover for up to 90 consecutive days (an excess of $250 will apply to claims under this option) - Contents at home in the open air
Up to $2,000 for covered events - Food spoilage
Up to $500 (includes GST) under this additional cover - Vet expenses if your pet is injured in a road accident
Up to $500 - Credit and transaction card misuse
Up to $5,000
Fundamentals
A basic level of cover that provides an economical option while still helping to protect your home from floods, fires, break-ins and more.
- Accidental damage or accidental loss
- Accidental breakage
Windows, mirrors, glassware, and more - Valuable items
Up to $2,000 (maximum limits per item apply)
Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, and more - Optional additional valuables cover
- Contents at home in the open air
Up to $1,000 for covered events - Food spoilage
- Vet expenses if your pet is injured in a road accident
- Credit and transaction card misuse
Up to $1,000
This is only a summary, please refer to the Product Disclosure Statement (PDS) for more information on what is and isn’t covered.
Find out how much to insure your contents for
Avoid the possibility of under-insuring your important belongings and make sure you have an appropriate level of cover.
Got a question about home insurance?
It's easy to underestimate just how much stuff you actually own, and how much it's worth when thinking about insuring your home contents. That's where our home contents value calculator can help.
By answering a few simple questions about your property, the calculator will provide an estimate based on a typical home of your size, in your suburb, furnished similarly to yours. From there you can add to or edit your contents list to refine your contents value.
Use contents insurance calculator.
The Cordell Sum Sure calculator takes the answers you input (or confirm, as applicable) and analyses them against construction industry data collated by CoreLogic to generate an estimated rebuild cost of the improvements on your property. Use of the Cordell Sum Sure calculator and any estimated rebuild cost provided by it may not be appropriate for you and you will need to assess the suitability of this estimate given your knowledge of your property. A number of qualifications apply to the estimated rebuild cost, which are set out in the full set of terms and conditions accepted by you prior to your use of the Cordell Sum Sure Calculator.
If you are renting it can pay to protect your belongings by taking out a Contents Insurance policy.
A common misconception amongst renters is that your landlord’s insurance will cover you if anything happens to your possessions. Landlord insurance generally only covers what the landlord owns which is the house and land. This means that anything that belongs to you at the rental property likely isn’t covered by their insurance.
A Contents Insurance policy may cover you financially if your belongings are lost, damaged or stolen. It can also cover you for incidents including theft, water damage, smoke damage and fire.
Yes, valuable items up to a certain amount are insured under Contents Insurance, including electronics such as laptops, tablets, mobile phones, cameras and more.
Policy terms, conditions, limits and exclusions apply.
An insurance excess is the amount that you'll need to pay towards the cost of an insurance claim.
There are different types of excess that apply to different policies. For example, in addition to the basic excess which applies when you make a claim on Car insurance, you may also be required to pay an age excess, inexperienced drivers excess or additional excess. Please refer to your Product Disclosure Statement for more information.
Important information
*Underwriting criteria, policy terms, conditions, limits and exclusions apply. Please see the Product Disclosure Statement for full details.
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 trading as CGU Insurance ABN 11 000 016 722, AFSL 227681. Any advice provided 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).