BSB 806 015

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BSB 806 015

Contents Insurance

There's no shame in being materialistic

Whether you're renting or your building is covered by your strata, our contents insurance covers some of the important things inside your home. Additionally, add the option to cover your valuables outside the home for complete peace of mind.

Four reasons you'll love having cover through P&N

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Pay monthly, no problem

While some insurers charge more to split payments across the year, we simply divide your annual premium by 12. 

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Timeless new-for-old replacement

If the contents in your home are damaged or destroyed, we won’t ask you how old they were. Instead, we’ll arrange repairs or help you buy new replacements.*

House with water underneath

Automatic flood cover

While flooding might not be the first thing that comes to mind when insuring your home, we made sure it's the last thing on your mind if it happens by including it automatically.*

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Hassle-free claims service

We make sure the claims process is as effortless as possible, and will pay valid claims as soon as possible. 

What's covered?

Money
Jewellery
Furniture
Computers and software


Is something missing?

If you're looking to have cover for both the home you live in and the things inside it, find out more about Building and Contents Insurance through CGU.

Find out more

Cover levels to help suit your needs and budget

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Accidental Damage

This is the highest level of cover. As well as cover for events like flood, fire and theft, you'll also have cover for almost any type of accidental loss or damage.

Accidental damage or accidental loss
Windows, mirrors, glassware, and more
Valuable items
Up to $7,500 or 20% of your sum insured, whichever is greater (maximum limits per item apply)
Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, and more
Optional additional valuables cover
Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)
Contents at home in the open air
Up to the sum insured

Frozen food
Reasonable costs
Vet expenses if your pet is injured in a road accident
Up to $500
Credit and transaction card misuse
Up to $5,000
Bicycle cover
Up to $3,000

Get a quote

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Listed Events

Balance quality features with competitive pricing. Your home and contents can be protected from a wide range of natural disasters, weather events, break-ins and more.

Accidental damage
Windows, mirrors, glassware, and more

Valuable items
Up to $5,000 or 20% of your sum insured, whichever is greater (maximum limits per item apply)
Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, and more
Optional additional valuables cover
Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)
Contents at home in the open air
Up to $2,000 for the covered events
Frozen food
Up to $500
Vet expenses if your pet is injured in a road accident
Up to $500
Credit and transaction card misuse
Up to $5,000
Bicycle cover
Up to $3,000

Get a quote

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Fundamentals

Our basic level of cover provides an economical option while still helping to protect your home from floods, fires, break-ins and more.

Accidental damage or accidental loss
Windows, mirrors, glassware, and more
Valuable items
Up to $2,000 (max $1,000 per item)



Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, and more
Optional additional valuables cover



Contents at home in the open air
Up to $1,000 for covered events 
Frozen food

Vet expenses if your pet is injured in a road accident

Credit and transaction card misuse
Up to $1,000
Bicycle cover
Up to $3,000

Get a quote

This is only a summary, see everything that is and isn’t covered in the Product Disclosure Statement (PDS).

Do you know how much your contents are worth?

Avoid the possibility of under-insuring your contents and make sure you have appropriate cover for your important posessions.

Home Contents Calculator

Ready to go?

Answer a few questions about the contents of your home and you could be covered in just a few minutes.

Get a quote

Need to make a claim?

The quickest and easiest way to make a claim is to contact our partner CGU's 24/7 claims team on 13 24 80.
Find out more.

Make a claim

Frequently asked questions

  • What does 'Listed Events' mean?
    Listed Events home insurance helps cover your buildings or contents for loss or damage as a result of any incident listed in the PDS.
  • Are electronics such as laptops covered in Contents Insurance?
    Yes, valuable items up to a certain amount are covered under Contents Insurance, including electronics such as laptops, tablets, mobile phones, cameras and more. Policy terms, conditions, limits and exclusions apply. See the relevant PDS for full details.
  • Do I need Contents Insurance?

    Having a Contents Insurance policy may cover your valuable items in the case of accidental damage or accidental loss. If you don't have Contents Insurance and you experience a damage or loss, you may be required to pay all costs for repairs or replacement.

Important information

*Underwriting criteria, policy terms, conditions, limits and exclusions apply. Please see the PDS for full details.

Police & Nurses Limited (P&N Bank) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701 acts under its own AFSL and under an agreement with the insurer Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance. Any advice given is general only and does not take into account your personal objectives, financial situation or needs. Consider the relevant Product Disclosure Statement (PDS) available here to see if the product is right for you.

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