BSB 806 015

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BSB 806 015

House Insurance

For many people, their home can be their most valuable asset and largest investment. MemberCare Home Insurance gives you peace of mind about your home, personal items and investment property.

Insurance cover options

A range of ways to save

With P&N Bank there are various ways to enjoy discounts on your premium.

Security discounts

The more secure your property is – through deadlocks, window locks, and either local or monitored alarms – the less you may have to pay.

Household no claim bonus

Continue to earn No Claim Bonus discount, up to our maximum level, the more years you go without making a claim.

Seniors discount

If any named Policyholders are over 50 years of age, you are entitled to the over 50s discount.

Multi-policy discount

Once you have one MemberCare insurance policy, you may be able to obtain discounts on each additional MemberCare policy~.

A choice of Excess

Your excess is the initial amount you have to pay yourself if you make a claim, and we offer options of nil excess, $100, $250, $300, $400, $500, $750, $1,000, $2,500, $5,000, $7,500 and $10,000. The higher the excess you choose, the lower the premium you’ll pay.

~ Multi-policy discount is available on your first policy after renewal and is only available for Home, Landlords and Motor Vehicle policies that are purchased through the same financial institution.

Important information

Terms, conditions and acceptance criteria apply. Cover limits apply as set out in the policy wording. QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 is the issuer of the insurance policies detailed.

These products are not a product of, nor guaranteed by Police & Nurses Limited (P&N Bank) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701 who will receive a commission payment of up to 20% of the premium for arranging a policy sale.

Any advice given is general only and does not take into account your personal objectives, financial situation or needs. Please therefore consider whether it is appropriate for you.

To decide if the product is right for you and for full terms and conditions (including limitations and exclusions), please read and consider the Product Disclosure Statement (PDS).

MemberCare Home Cover Prestige

  • Accidental damage cover
  • New for old replacement on most items
  • $30 million legal liability
  • Building safeguard benefit
  • Burning out of electrical motors (fusion)
  • Environmental upgrade benefit
  • Accommodation costs*
  • Spoiled food from power failure
  • Essential temporary repairs
  • Loss of credit cards
  • Cost of replacing locks if your house keys are stolen
  • Domestic workers compensation (optional benefit)#

* Should you be unable to live in the home as a result of damage caused by a defined event

Available in ACT, TAS & WA only for an additional cost

MemberCare Home Cover Prestige documentation

MemberCare Home Cover

  • New for old replacement on most items
  • $30 million legal liability
  • Building safeguard benefit
  • Burning out of electrical motor (fusion)
  • Environmental upgrade benefit
  • Accommodation costs*
  • Spoiled food from power failure
  • Essential temporary repairs
  • Loss of credit cards
  • Contents in storage
  • Cost of replacing locks if your house keys are stolen
  • Domestic workers compensation (optional benefit)#

* Should you be unable to live in the home as a result of damage caused by a defined event

# Available in ACT, TAS & WA only for an additional cost

MemberCare Home Cover documentation

MemberCare Investor Insure

  • $30 million legal liability
  • Building safeguard benefit
  • Burning out of electrical motors (fusion)
  • Environmental upgrade benefit
  • Cover for loss of rent should your tenant be unable to live in the home as a result of damage caused by a defined event
  • Cover for rent default (optional benefit)
  • Cover for theft and/or vandalism by tenants (optional benefit)

MemberCare Investor Insure documentation

You can get a quote or apply for home and contents insurance online, over the phone or in person. Simply choose how you’d like to apply and we’ll help you get started.

How to get started

Apply online

You can apply online now and can save your application at any stage of the process. If you get stuck, we can help you through web chat or our call centre.

In person

Speak to our staff at your nearest branch – you can book an appointment online now.

Over the phone

Call us on 13 25 77 and one of our insurance consultants will help you with your insurance needs.

Making a claim

We understand how important it is to receive a fast, personal response to your claims. That’s why we have made the claims process as simple and stress-free as possible.

The MemberCare Claims line is open 24 hours a day, 7 days a week. You can call anytime, day or night on 1300 734 728 for support throughout the claims process.


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