Comminsure Home Insurance Review

An award winning insurer that comes with a sum insured safeguard — these are some of the reasons worth getting a policy with Comminsure home insurance.

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Our Verdict

  1. Comminsure covers up to an additional 25% on top of your building and contents Sum Insured when it isn't enough to cover your loss — for many other insurers we looked at, this is often an optional add-on.
  2. Its home and contents insurance has been awarded for its outstanding value for a number of years.
  3. You get up to 15% off combined building and contents insurance — insurers such as Budget Direct, St.George and Westpac all offer larger discounts when you sign up.

Review by our insurance writer Gary Hunter

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What cover options does Comminsure have?

Comminsure does not have different levels of cover or packages. The premium you pay is based only on the value you wish to insure your property for. You can also adjust the premium by changing the amount of excess you are willing to pay. For an additional cost, you can include optional cover for accidental damage, domestic work and portable contents. Premiums are payable monthly or annually, depending on your preference.

What am I covered for?

A Comminsure home and contents policy insures your possessions against the following events:

  • Accidental glass breakage
  • Animal damage
  • Burn out of electric motors
  • Earthquakes
  • Escape of liquid
  • Explosions
  • Fires
  • Floods
  • Legal Liability
  • Lightning
  • Malicious acts
  • Riot and public disturbances
  • Storms
  • Impacts
  • Theft
Each benefit has conditions and exclusions, so you should consult the product disclosure statement before deciding whether this insurance is right for you.

What are some other benefits of getting this policy?

If you hold either a home or contents policy, you can also get cover for the following:

  • Alternative accommodation
  • Contents in transit
  • Damage by emergency services
  • Demolition and debris removal
  • Domestic pets
  • Loss of rent
  • Mortgage discharge
  • Moving within Australia
  • Storage fees
  • Temporary removal of your contents
  • Visitors’ property
Comminsure will pay claims on the additional cover if the claim results from one of the insured events mentioned above.

What excess do I need to pay?

The excess is the amount you must contribute if you make a claim on your insurance. When purchasing your insurance, you will be able to choose the amount of excess you wish to pay. The excess amount will be stated on the certificate of insurance. The excess amount will be deducted from the settlement amount before you are paid by the insurer after a claim. In some instances, you will need to pay the excess to Comminsure before the claim is settled. You are only required to pay the excess amount once per claim. If you have a different excess for your building and contents policies, you will have to pay the higher amount of the two. If you choose optional portable contents cover, there is a fixed excess of $100 for each claim.

How can I make a claim?

To make a claim, contact Comminsure at 13 24 23 as soon as possible. You must take all reasonable actions to prevent or stop further damage to your property and be honest when making your claim. You must also report the incident to the police if the claim relates to theft or malicious acts. You will need to prove ownership of anything you are claiming under the contents policies. You can use the following to establish ownership:

  • Receipts
  • Warranty certificates
  • Instruction manuals
  • Original packaging
  • Photographs
  • Bank or credit card statements
  • Valuation certificates
Before processing your claim, Comminsure may need to take action against a third party, interview you regarding the claim, or inspect your building and contents. Once Comminsure has assessed your claim, they will contact you to discuss how they will settle. They may either repair, replace or reimburse you for the cost of your possessions that were damaged or destroyed by an insured event.

Frequently Asked Questions

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