Australian Unity Home Insurance

Australian Unity home insurance offers two forms of cover to protect your home from a wide range of risks.

What cover options does Australian Unity offer?

Home Cover

Offering essential cover for your home and contents against a wide range of risks, Australian Unity Home Cover provides protection against loss or damage due to fires, explosions, water damage, storms, floods, theft, vandalism and more. A building safeguard benefit ensures that you can cover all rebuilding costs, while accommodation costs, electric motor burnout, replacement of locks and $30 million of personal legal liability cover are also included.

Home Cover Prestige

Home Cover Prestige insurance offers comprehensive cover for your home and contents. It covers accidental loss or damage to your building and contents and also provides protection against storms, floods, fires, explosions, theft, vandalism, glass breakage and much more. Policy features include a building sum insured safeguard as well as cover for emergency accommodation costs, electric motor fusion, guests’ property and contents temporarily removed from your home. This policy also gives you $30 million of legal liability cover.

What are the features of their policies?

What exclusions are there?

Australian Unity will not pay your home and contents insurance claim if it arises as the result of the following situations:

What excess options are there?

The excess is the amount you are required to pay to contribute towards your claim. The excesses you need to pay are set out in your Australian Unity home insurance policy schedule.

You also have the flexibility to adjust your basic excess amount to suit your needs. By choosing to pay a higher excess, you can enjoy cheaper premiums.

Who is eligible for Australian Unity home insurance?

Australian Unity home and contents insurance policies provide cover for Australian residential properties. You must also follow the following simple conditions to ensure that you are always covered:

• Take reasonable care to prevent any loss, damage or liability.
• Assist and co-operate with the insurer at all times.
• Tell the insurer of any changes to your circumstances (such as a change of address) as soon as they occur.
• Make sure you don’t provide any false or misleading information.

How do I make a claim?

If you need to make a claim on your Australian Unity home insurance policy, you can phone the QBE claims line 24 hours a day, 7 days a week. A claims team member will explain the process to you and let you know what you have to do next. You won’t usually need to complete a claim form, but this may be required in the case of complex claims.

There are a few other things you can do to ensure the successful processing of your claim:

• Take all reasonable steps to reduce or prevent any further loss or damage.
• Immediately inform the police following any incidents of theft or vandalism.
• Provide any information the insurer requests to support your claim, such as letters, documents, valuations, receipts or proof of ownership.
• Pay your excess.
• Comply with any other requests from the insurer.

FAQs

• Who is the insurer?

  Australian Unity’s home and contents insurance policies are issued by QBE Insurance (Australia) Limited.

• How can I save money on my Australian Unity policy?

  There are several ways you can reduce the cost of your premium:

  • Choose a higher excess.
  • Don’t make any claims and take advantage of a no-claims bonus.
  • Policyholders over 50 years of age can benefit from a seniors discount.
  • Retirees who no longer work more than 20 hours a week can enjoy cheaper premiums.
  • If you take out additional QBE-backed policies with Australian Unity, you can access a multi-policy discount.

• How long is the cooling-off period?

  A 21-day cooling-off period applies. If you cancel your policy within the first 21 days of cover, you will receive a full refund.

• Do I need to pay my premium annually?

  While you can pay your premium annually, you also have the freedom to pay in regular fortnightly or monthly instalments. If you choose the latter option, you can find the date and frequency of instalments in your policy schedule.

• How can I pay my premiums?

  You can pay your premiums via direct debit or by using your credit card.

• How much cover do I need?

  You can access QBE’s home contents calculator and home building calculator through the Australian Unity website to work out how much cover you need.