Through CGU we offer three tiers of protection for Buildings, Contents or combined cover so that you can choose the right cover for your needs.
| Features | Accidental Damage | Listed Events | Fundamentals |
| Accidental damage or accidental loss | Yes | No | No |
| Burglary or break-in | Yes | Yes - Money only covered after forcible entry | Yes - Must be sign of forcible entry |
| Theft without forcible entry | Yes | Yes - Money only covered after forcible entry | No |
| Burning out of an electric motor for motors up to 15 years old | Yes | Yes | No |
| Contents away from home | Yes - Australia and New Zealand wide cover - conditions apply | Yes - Australia and New Zealand wide cover - conditions apply | No |
| Contents at home in the open air | Yes | Yes - Limited to $2,000 for certain events | Yes - Limited to $1,000 for certain events |
| New for old replacement cover (Contents) | Yes | Yes | Yes |
| Guest or visitor's belongings | Yes - Up to $5,000 | Yes - Up to $5,000 | No |
| $20 million Liability | Yes | Yes | Yes |
| Content items | Up to $20,000 per item, pair, set, collection or system | Up to $20,000 per item, pair, set, collection or system | Up to $20,000 per item, pair, set, collection or system |
| Valuable items Such as jewellery, laptops, mobile phones, cameras, sporting equipment (excluding bicycles) - see PDS for full description |
Up to $2,500 per item or $3,000 for sporting equipment. In total, up to 20% of sum insured or $7,500 whichever is higher | Up to $2,500 per item or $3,000 for sporting equipment. In total, up to 20% of sum insured or $5,000 whichever is higher | Up to $1,000 per item. In total up to $2,000 |
| Optional additional valuables cover Other Valuables (under $2,500 per item) or Special Valuables (over $2,500 per item), Accidental Loss or Damage cover worldwide up to 90 consecutive days |
Yes - $250 excess | Yes - $250 excess | No |
| Alternate accommodation Paid in addition to the sum insured |
Yes - Up to 10% of sum insured | Yes - Up to 10% of sum insured | Yes - Up to 10% of sum insured |
| Architects, surveyors and legal fees Paid in addition to the sum insured |
Yes - Up to 10% of sum insured | Yes - Up to 10% of sum insured | Yes - Up to 10% of sum insured |
| Removal of debris and demolishing costs Paid in addition to the sum insured |
Yes - Up to 10% of sum insured | Yes - Up to 10% of sum insured | Yes - Up to 10% of sum insured |
| Replacing keys and repairs to and recoding of locks and barrels | Yes - No limit | Yes - Up to $1,000 | Yes - Up to $1,000 |
| Credit card and transaction card misuse | Yes - Up to $5,000 | Yes - Up to $5,000 | Yes - Up to $5,000 |
| Food Spoilage Following certain events – see the PDS for details |
Yes - Up to $500 (includes GST) under this additional cover | Yes - Up to $500 (includes GST) under this additional cover | No |
| Vet expenses if your pet is injured in a road accident | Yes - Up to $500 | Yes - Up to $500 | No |
| Goods used to earn an income, covered at home only | Yes - Up to $5,000 | Yes - Up to $5,000 | No |
| Money and negotiable documents | Yes - Up to $1,250 | Yes - Up to $750 | Yes - Up to $500 |
| Contents in transit | Yes - Up to $10,000 | Yes - Up to $5,000 | No |
| Funeral expenses | Yes - Up to $10,000 | Yes - Up to $10,000 | No |
This table is a summary of highlighted features and benefits only. Please refer to the CGU Accidental Damage Home Insurance Product Disclosure Statement (PDS), CGU Listed Events Home Insurance Product Disclosure Statement (PDS), CGU Fundamentals Home Insurance Product Disclosure Statements (PDS), Target Market Determinations and Policies for full terms and conditions.
General insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Australian Mutual Bank ABN 93 087 650 726 acts under an agreement with the insurer. Any advice 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 the insurance policy, you should consider your personal circumstances and the relevant Product Disclosure Statement available on this website.
Home and Contents Insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Australian Mutual Bank Ltd ABN 93 087 650 726 acts under its own AFSL and Australian Credit Licence Number 236 476 and under an agreement with the insurer. Any advice 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 the insurance policy, you should consider your personal circumstances and the relevant Product Disclosure Statement available at https://australianmutual.bank/AboutUs/DisclosureStatements
