People’s Choice Credit Union Home Insurance

Protect your home and valuables with People's Choice Credit Union and get up to $20 million in legal liability cover.

People's Choice Credit Union has two flexible home insurance policies, one for accidental damage and one for listed events. Both policies allow you to bundle building and contents insurance together or take out cover for one only. Both policies are available for all Australian homeowners and include flexible payment options and new for old cover.

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People’s Choice Credit Union home insurance cover options

MemberCover home and contents insurance (accidental damage)

This policy covers your building and contents against accidental damage. This includes new for old contents cover as well as cover for loss or damage caused by fires, explosions, landslides, storms, floods, rainwater, theft and more. You can also take advantage of cover for mobile phones and the replacement of keys and credit cards as well as $20 million of legal liability cover. You can take out cover for your building or contents only, or you can choose combined building and contents cover.

MemberCover home and contents insurance (listed events)

Listed events home insurance from People’s Choice covers your building and contents against loss or damage caused by a wide range of insured events, including accidental breakage, burglaries, earthquakes, fires, impacts, storms, floods and theft. You can also get new for old contents cover as well as $20 million of legal liability protection. You can take out cover for your building or contents only, or you can choose combined building and contents cover.

People’s Choice Credit Union home insurance levels of cover

MemberCover home and contents insurance (accidental damage)

  • Covers accidental damage to your buildings and contents
  • Insured events include fires, explosions, electric motor burnout, landslides, subsidence, storms, floods, rainwater, wind, theft, attempted theft and water or liquid damage
  • New for old contents cover
  • Australia-wide mobile phone cover
  • Covers money and credit cards
  • Unlimited cover for loss of frozen food
  • $20 million legal liability cover
  • Pay premiums fortnightly, monthly or annually

MemberCover home and contents insurance (listed events)

  • Covers loss or damage to your buildings and contents
  • Insured events include accidental breakage, burglaries or break-ins, electric motor burnout, deliberate or intentional acts, earthquakes, tsunamis, fires, explosions, impact damage, landslides, subsidence, lightning, riot, civil commotion, storms, floods, rainwater, wind, theft, vandalism and water or liquid damage
  • New for old contents cover
  • Covers alternative accommodation costs
  • Covers contents in transit
  • $20 million legal liability cover
  • Pay premiums fortnightly, monthly or annually

General exclusions

Your MemberCover home and contents insurance claim will not be paid in the following situations:

      • It is for any incident that does not occur within the period of insurance.
      • It arises due to the lawful destruction or confiscation of your property.
      • It is caused by mildew or by atmospheric or climatic conditions.
      • It arises due to deliberate or intentional acts by you, or by someone acting with your consent, to cause loss, damage or injury.
      • It is caused by rats, mice or insects.
    • It arises due to erosion, rust, corrosion, gradual deterioration, depreciation or wear and tear.
  • It is caused by tree or plant roots.
  • It arises due to structural defects or faulty workmanship.
  • It is for malicious damage or vandalism by a tenant.
  • It is for theft or a deliberate act by a tenant.
  • It is caused by water entering your building through an opening made for building, renovation or repair work.
  • It arises due to a storm surge.

People’s Choice Credit Union home insurance excess

The excess is the amount you’re required to pay when you make a claim on your People’s Choice Credit Union home insurance policy. Your home insurance policy schedule shows the amount and type of excess you will need to pay.

When you apply for a policy, you may be able to select your excess amount. The higher the excess you choose, the lower your premium will be.

Who is eligible for People’s Choice Credit Union home insurance?

There are no special eligibility criteria that need to be satisfied in order to apply for a home insurance policy from People’s Choice. Both the accidental damage and listed events policy are available to all Australian homeowners.

Making a claim

If you need to make a claim on your policy, you can contact CGU (the insurer) 24 hours a day, 7 days a week. You can contact the 24-hour claims hotline by phoning 13 24 80. To ensure that your claim is successfully processed, it’s important to contact CGU as soon as possible after an insured event.

You will need to provide the following details when making a claim:

  • Your policy number and contact information
  • The contact information of anyone else involved in the incident
  • Details of what happened
  • Any letters, notices or court documents about the incident within 72 hours of receiving them
  • A police incident report number (where applicable)

You may also need to provide proof of ownership to support your claim, plus allow the insurer to access your property to inspect loss or damage to your building and contents.

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