Contents Insurance
There's no shame in being materialistic. Whether you're renting or your building is covered by your strata, contents insurance through P&N Bank covers things inside your home, as well as the option to cover your valuables outside the home.
Pay monthly, no problem
CGU don't charge more to split payments across the year – they simply divide your annual premium by 12.
New for old replacement
If your saggy old sofa is damaged in a fire or flood, CGU will replace it with a new one. In other words, there’s no depreciation on your contents.*
Automatic flood cover
Enjoy added peace of mind knowing that cover for floods is included automatically.*
24/7 claims assistance
If you need to make a claim under your insurance, simply call CGU claims on 13 24 80 anytime.
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 moreCover levels to help suit your needs and budget
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 - Food spoilage
Up to $500 (includes GST) under this additional cover - 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
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 or accidental loss
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 - Food spoilage
Up to $500 (includes GST) under this additional cover - 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
Fundamentals
A basic level of cover that 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 the covered events - Food spoilage
- 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
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 possessions.
Home contents value calculator
Your home insurance questions answered
It's easy to underestimate just how much stuff you actually own, and how much it's worth when thinking about insuring your home contents. That's where our home contents value calculator can help.
By answering a few simple questions about your property, the calculator will provide an estimate based on a typical home of your size, in your suburb, furnished similarly to yours. From there you can add to or edit your contents list to refine your contents value.
Use contents insurance calculator.
The Cordell Sum Sure calculator takes the answers you input (or confirm, as applicable) and analyses them against construction industry data collated by CoreLogic to generate an estimated rebuild cost of the improvements on your property. Use of the Cordell Sum Sure calculator and any estimated rebuild cost provided by it may not be appropriate for you and you will need to assess the suitability of this estimate given your knowledge of your property. A number of qualifications apply to the estimated rebuild cost, which are set out in the full set of terms and conditions accepted by you prior to your use of the Cordell Sum Sure Calculator.
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.
Important information
*Underwriting criteria, policy terms, conditions, limits and exclusions apply. Please see the Product Disclosure Statement for full details.
Police & Nurses Limited (P&N Bank) ABN 69 087 651 876 AFSL 240701 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited trading as CGU Insurance ABN 11 000 016 722, AFSL 227681. Any advice provided is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations (TMDs).