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- Fundamentals
Fundamentals Home & Contents
- Flexible excess
- New for old replacement on contents
- 24 hours claim lodgement
- Covers both building and contents
Policy type
Home and Contents
Combined policy discount
Online discount available
Fundamentals Home & Contents
- Flexible excess
- New for old replacement on contents
- 24 hours claim lodgement
- Covers both building and contents
Policy type
Home and Contents
Combined policy discount
Online discount available
Pros and Cons
For Fundamentals Home & Contents
Benefits
- Covers both building and contents
- Flexible excess
- Pay monthly at no extra cost
- New for old replacement on contents
- 24 hours claim lodgement
Drawbacks
- No discount for multi policy cover
- No online discount
CGU Rate Home Insurance overview
For Fundamentals
Features
Policy type
Home and Contents
Combined policy discount
Online discount available
Flexible excess
Pay monthly at no extra cost
New for old replacement on contents
No claim bonus discount
Choice of builder/repairer
24 hours claim lodgement
Lodge claim online
Cooling off period
21 days
Target Market Determination
Visit CGU Insurance to view Target Market Determination.
Insured Events
Storm and rainwater cover
Standard
Storm surge flooding
Not available
Flash flooding
Standard
Riverine flooding
Standard
Fire
Standard
Lightning
Standard
Earthquake
Standard
Theft or attempted theft
Standard
Malicious damage (including vandalism)
Standard
Vehicle impact damage
Standard
Escaped liquid (burst/leaking pipe)
Standard
Benefits - Building
Full rebuilding cost protection
Legal liability
Standard
up to $20 million
Temporary accommodation
Standard
up to 10.00% of sum insured, up to 12 months
Accidental damage - building
Accidental glass breakage
Motor burnout - building
Removal of debris
Standard
up to 10.00% of sum insured
Benefits - Content
Accidental damage - contents
Motor burnout - contents
Home office contents
Standard
Tools of trade
Guests belongings
Jewellery
Up to $1000.00 (item limit), Up to $2000.00 (total limit)
Specified portable items
Unspecified portable items
Credit card theft cover
Standard
Up to - $1000.00
Funeral expenses
Promoted home insurance products
Home & Contents
- Flexible excess
- 24 hours claim lodgement
Policy type
Home and Contents
Combined policy discount
Home & Contents
- Flexible excess
- 24 hours claim lodgement
- Combined policy discount
Policy type
Home and Contents
Combined policy discount
Basic
- Flexible excess
- 24 hours claim lodgement
- Combined policy discount
Policy type
Home and Contents
Combined policy discount
Comprehensive
- Flexible excess
- 24 hours claim lodgement
- Combined policy discount
Policy type
Home and Contents
Combined policy discount
Product data updated on 26 Apr 2024