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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.

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Our Verdict

  • Flood and motor burnout cover come standard on all policies, which is good because many other home insurers charge extra for them.
  • People's Choice lets you pay fortnightly or monthly at no additional cost.
  • While flood cover is included, it's important to note that there are exclusions on things like storm surge and actions of the sea. Other brands such as ANZ and Honey include this in their policies.
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What does People's Choice Credit Union Home Insurance cover?

People's Choice Credit Union has 2 flexible home insurance policies, 1 for accidental damage and 1 for listed events. Both policies allow you to bundle building and contents insurance together or take out cover for one only.

People's Choice Credit Union Home Insurance covers some main events, including:

People's Choice Credit Union Home Insurance is backed by Insurance Australia Limited, trading as CGU Insurance. It offers customers flexible payment options and the choice of their basic excess amount. It has a cooling-off period of 21 days.

Here's the run-down of a People's Choice Credit Union Home Insurance policy

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Standard features

These are some of the benefits that People's Choice can cover you for if an insured event causes damage to your home or property.
  • Alternative accommodation
  • Architects, surveyors and legal fees
  • Burning out of electrical motors
  • Credit card and transaction card misuse
  • Flood cover
  • New-for-old replacement
  • Removal of debris and demolishing costs
  • $20 million liability cover

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Optional add-ons

People's Choice Credit Union Home Insurance offers a few optional extras so you can customise your policy, but it will add to your premium.
  • Domestic workers' compensation
  • Other valuables
  • Special valuables
  • Strata title mortgage protection

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All home insurance policies have limitations where you won't be covered, usually referred to as general exclusions. Here are some of the situations where your People's Choice home and contents insurance claim will not be paid:

  • Depreciation, rust or wear and tear
  • Deliberate or intentional acts caused by you or anyone acting for you
  • Erosion, action of the sea, tidal wave or high water
  • Failed or broken appliances
  • Mildew
  • Rats, mice or insects
  • Storm surge (except in Northern Territory)
  • War, rebellion or hostilities

Make sure you read People's Choice Credit Union's product disclosure statement (PDS) for a more detailed breakdown of exclusions. You can also head to our general exclusions guide for more information.

Some information on People's Choice Credit Union Home Insurance complaints

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.

Here's an overview of how Peoples Choice (Insurance Australia Limited) did:

  • Of the complaints received by Insurance Australia Limited, 40.14% were resolved directly with the customer which is a much better resolution rate than either AAI Limited or QBE.
    • It's quite common to see very large insurers with a high volume of complaints. Unfortunately, Insurance Australia Limited has the second-highest number of complaints recorded, right after AAI Limited.

    The bottom line about People's Choice Credit Union

    People's Choice Credit Union Home Insurance offers a well-rounded policy that includes features such as flood cover, new-for-old replacement and motor burnout cover as standard. You should check all its exclusions to make sure you're covered for the things that matter to you.

    Still making up your mind? Head to our home insurance page where you can compare other providers side by side to find the right policy for you.

    Frequently asked questions

    Leave a People's Choice Credit Union Home Insurance review

    If you've held, or currently hold, a People's Choice Credit Union Home Insurance policy, we'd love to hear from you. Your reviews help other Australians decide if People's Choice Credit Union is right for them. Some reviews are from a survey commissioned by Finder.

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