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.
These are some of the standard features that you can claim on with the Bupa Ultimate home insurance policy if an insured event causes damage or loss. Keep in mind that this is its top policy. Not all benefits are included in the Comprehensive or Basic covers.
Your Bupa home insurance claim will not be paid if a claim is made due to:
Make sure you read Bupa's PDS for a full list of exclusions. Our general exclusions page also outlines more information about what home insurance doesn't usually cover.
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:
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