Your home and contents are possibly your greatest assets. We offer PremierCare® Home insurance to protect them.
To suit your requirements and budget, we have three levels of cover for your home and contents.
PremierCare® Classic Home*
Provides cover for loss or damage to your home and contents by any of the wide range of Insured Events specified in the policy. There are also a host of worthwhile additional benefits making Classic a popular choice. Your building and contents are covered 'New for Old' replacement regardless of age and includes a number of environmental benefits.
PremierCare® Prestige Home*
For those looking for extra protection, Prestige provides the broader cover of accidental loss or damage (unless otherwise excluded), for example spilling paint on your carpet. Again there are a host of additional benefits including environmental benefits and other extras not found in Classic Home. Your building and contents are covered 'New for Old' replacement regardless of age.
PremierCare® Vital Home*
Vital is a “basic” cover option providing a lower level of benefits than Classic Home, but still offers the same environmental benefits. Vital also has a higher Standard Excess to help reduce premiums - ideal for those mainly concerned with larger losses.
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Can't decide between Classic, Prestige or Vital? For a comparison of benefits, click here. Member benefits*
PremierCare® Home insurance is designed for credit union members and includes benefits not commonly found in many other policies, for example:
- Bone fractures cover (not applicable to Vital Home) - a great benefit for families with active children, because accidents do happen! Up to $1,000 cash benefit if you or your family suffer a fracture to one of the bones specified in the policy. Cover applies anywhere in Australia.
- Standard excess waiver - enjoy the advantage of not having to pay your standard excess if your claim totals more than $3,000. For Vital Home, or when you voluntarily take a higher excess, this waiver is limited to $100.
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Paraplegia or quadriplegia – up to $10,000 contribution towards the cost of modifying your building where your permanent paraplegia or quadriplegia is a direct result of loss or damage to your building by an insured event (applies to building cover only).
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Compensation for death - $10,000 where you suffer fatal injury caused by burglars or fire at your home.
Premium benefits to help reduce your premium*
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A No Claim Bonus (NCB) of up to 30% on both building and contents, depending on your claim history. NCB does not apply to Personal Effects cover.
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A discount if you insure both your building and contents on the same policy and for the same cover level.
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Reduced premiums for buildings less than 15 years old.
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A discount on both building and contents if you are aged over 45 years.
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A discount on your contents if you have an approved security system installed at your home.
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The option to increase your Excess for a reduction in premium.
How much cover is right for you? How often have you heard that victims of fires or storms have been under-insured? Losing all your treasured possessions is traumatic enough, so why risk adding a financial burden to the woes because you didn't arrange enough insurance?
For most people, it's often a simple matter of not knowing how to calculate the value of their home and contents for insurance.
Now help is at hand with simple calculators to quickly and easily help you estimate the full replacement value of your home and contents.
You can use the links below or access the calculators as you work through your own online quote. •
Home Building Replacement Cost Calculator •
Home Contents Replacement Cost Calculator
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