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Bupa Home Insurance offers 3 policy types and 3 levels of cover. This means you should be able to find a policy that suits your home and lifestyle.
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 - premium, quality or basic. On top of that, if you're a Bupa Health member, you can save 10% on your policy.
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Bupa Fundamentals Home Insurance
Fundamentals Home Insurance from Bupa is a budget-friendly option designed to cover you against a range of essential risks. It covers your home and contents against fire, burglary, storm, accidental breakage and water whdamage, and includes new-for-old replacement of contents, alternative accommodation costs and valuable items cover up to $2,000. $20 million of legal liability cover is also included.
Bupa Landlords Insurance
Bupa Landlords Insurance provides a range of benefits to help you protect your investment property. It protects your building and contents against accidental damage, electric motor burnout, fire, tenant damage, storm, flood and theft. Debris removal and mortgage discharge costs are covered, while you can also add optional liability cover, loss of rent cover and theft by tenant cover.
Bupa Accidental Damage Home Insurance
Bupa’s Accidental Damage Home Insurance policy provides comprehensive cover for your home and contents. It provides protection against fire, explosion, storm, flood, theft and water damage, plus it also covers your belongings for accidental loss and damage anywhere in Australia. Other benefits include alternative accommodation expenses, cover for permanent fixtures, valuable items cover and $20 million liability cover.
Bupa Listed Events Home Insurance
Listed Events Home Insurance from Bupa offers comprehensive cover for your home and contents against a wide range of listed events, including fire, storm, theft, water damage and more. Other benefits include new-for-old contents replacement, up to $5,000 valuable items cover, alternative accommodation expenses and $20 million liability cover.
Bupa Valuables Cover
Instead of insuring everything in your home, Bupa Valuables cover allows you to protect the items that are most precious to you, such as your all-essential mobile phone, the TV, sentimental jewellery and even your golf clubs.
If you choose to pay annually, you can save 10%. Otherwise you can pay weekly, fortnightly or monthly for this online-only product – whatever best suits your budget.
What does each policy level cover?
Here are some insured events that Bupa Home Insurance will usually cover you for.
|Insured event||Bupa Accidental Damage Home Insurance||Bupa Listed Events Home Insurance||Bupa Fundamentals Home Insurance||Bupa Landlords|
|Bupa Valuables Cover|
|Burning out of an electric motor|
|Landslide or subsidence|
|Storm, flood, rainwater or wind|
|Theft or attempted theft|
|Water or liquid damage|
|Deliberate or intentional acts|
|Earthquake or tsunami|
|Lightning or thunderbolt|
|Riots or civil commotion|
|Vandalism or a malicious act|
|Loss or damage by a tenant or their visitors|
And some other handy benefits that come with a Bupa Home Insurance policy.
|More benefits||Bupa Accidental Damage Home Insurance||Bupa Listed Events Home Insurance||Bupa Fundamentals Home Insurance||Bupa Landlords|
|Bupa Valuables Cover|
|Accounting fees for a tax audit||$5,000||$5,000|
|Alternative accommodation||10% of building sum insured||10% of building sum insured||10% of building sum insured|
|Contents in a commercial storage facility||Contents sum insured||Contents sum insured|
|Contents in transit||$10,000||$10,000|
|Credit card and transaction card misuse||$5,000||$5,000||$1,000|
|Debris removal and demolishing||10% of building sum insured||10% of building sum insured||10% of building sum insured||10% of building sum insured|
|Guests' or visitors' belongings||$5,000||$5,000|
|Legal costs in Australia||$5,000||$5,000|
|Modifications to your buildings||$10,000||$10,000|
|Mortgagee discharge costs|
|Rebuilding fees||10% of building sum insured||10% of building sum insured||10% of building sum insured||10% of building sum insured|
|Replacing keys and repairs to, and re-coding of locks and barrels||Reasonable costs||Reasonable costs||Reasonable costs|
|Sale of your home/rental property|
|Security firm to monitor your home||$1,000||$1,000|
|Sum insured increase|
|Trees, plants and shrubs replacement||$1,500||$750|
For flexibility, Bupa also offers these optional add-ons so you can create the right home insurance policy for you.
|Optional add-ons||Bupa Accidental Damage Home Insurance||Bupa Listed Events Home Insurance||Bupa Fundamentals Home Insurance||Bupa Landlords|
|Bupa Valuables Cover|
|Domestic workers' compensation|
|Strata Title Mortgagee Protection|
|Loss of Rent|
|Rent default and theft by a tenant|
|Theft cover anywhere in Australia|
What isn't covered?
Your Bupa home insurance claim will not be paid if:
- It results due to settling, shrinkage or earth movement
- It is caused by erosion, rust, depreciation or wear and tear
- It is caused by rats, mice or insects
- It is caused by structural defects or faulty workmanship or design
- It is for malicious damage, vandalism, theft or a deliberate or intentional act by a tenant (except if you have Landlords Insurance)
- It is for mechanical or electrical breakdown (except electric motor burnout)
- It arises due to water entering your building through an opening made for building, renovation or repair work
- It is caused by roots from trees or plants
- It is for liability arising due to an injury to any member of your family or anyone who normally lives with you
- It is for liability arising from any alterations, renovations or additions to your buildings that cost more than $75,000
- It arises due to the lawful destruction or confiscation of your property
- It is caused by mildew, atmospheric or climatic conditions
- It arises due to a deliberate or intentional act by you, or anyone acting for you
- It is caused by storm surge
How much excess do I need to pay?
The excess is the amount you need to pay when you make a claim on your policy. The excess amount payable is shown on your policy schedule.
When you apply for a Bupa home insurance policy, you will most likely be given the option to select the amount of excess you would like to pay when you make a claim. The higher the excess you choose, the lower your premium.
Who is eligible for Bupa home insurance?
Bupa’s home insurance policies are available to all Australian homeowners. There are no other specific eligibility criteria you need to satisfy in order to take out a policy.
How can I make a claim?
If you need to make a claim on your Bupa home insurance policy, you can phone the insurer’s national claims service 24 hours a day, 7 days a week. 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 132 480 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.
Frequently Asked Questions about Bupa
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