Bupa home insurance review

What does Bupa home insurance cover?

Bupa offers the standard policy types: a combined home and contents insurance, contents insurance, and building insurance. After choosing your policy type, you can choose the level of cover your want – Ultimate, Comprehensive and Basic. On top of that, if you're a Bupa health member, you can save up to 15% on your policy.

Some main events covered by Bupa home insurance include:

Bupa home insurance is backed by Hollard Insurance Company Pty Ltd. It comes with a 14-day cooling off period which is standard among most insurers. This allows you to cancel your policy and receive a refund so long as you haven't made any claims.

Here's the rundown of a Bupa home insurance policy

Here's some information on Bupa home insurance complaints

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2020 and June 2021. The data breaks down different underwriters and compares their business size to the number of complaints processed.

When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints.

Bupa has recently changed underwriters to the Hollard Insurance Company Pty Ltd. Most recent data compares complaints while still being underwritten by Insurance Australia Limited.

Here's an overview of how Bupa (Insurance Australia Limited) did:

• Insurance Australia Limited is considered a very large insurer so it's normal to see a high volume of complaints. It did, however, excel in how many complaints were resolved directly with the customer (40.14%).

• At 974 complaints for the financial year, Insurance Australia Limited received almost double that of QBE.

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Frequently asked questions

• How can I make a claim with Bupa?

  If you need to make a claim on your Bupa home insurance policy, you can phone the insurer's national claims service 24/7. A dedicated claims specialist will be able to offer immediate advice and assistance as well as guide you through the claims process. You can contact them on +61 2 7201 5060* or 13 24 80 for policies issued before July 1, 2022 or visit their website to know more details about lodging a claim.

  You can also follow a few simple steps to ensure that the claims process runs as smoothly as possible:

  • Gather the contact details of anyone else in the incident.
  • Forward any letters, notices or court documents about the incident to the insurer within 72 hours of receiving them.
  • Report any theft, vandalism or malicious act to the police immediately and obtain an incident report number.
  • Contact the insurer as soon as possible after the incident to make your claim.
  • Provide any information needed to assess your claim, such as proof of ownership or repair quotes.

• Who is eligible for Bupa home insurance?

  Here's the key eligibility criteria for a Bupa home insurance policy:

  • The type of home you own. It must be a free standing house, townhouse, villa or duplex, semi-detached house or terrace. Registered body corporate buildings and houseboats are not eligible.
  • How you use the home you own. It must be your primary residence or holiday home. It's not suitable if your home is a business, such as a hotel or bed & breakfast.
  • The condition of your home. The home needs to meet acceptable dwelling criteria: it must be secure, watertight, structurally sound and well maintained. It's not suitable for homes under initial construction or renovations that cost more than specified in the PDS.