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    Key benefits

    Two levels of cover to suit your needs
    Cover in the event of damage or loss caused by flood, fire, storm, lightning, earthquake and tsunami
    Covers $20 million liability
    Dedicated claims support 24/7

    Product overview

    For most people their personal possessions are valuable and often costly to replace. Protect the things you love from the unexpected with contents insurance through People's Choice. Our contents insurance, provided by CGU, lets you pick and choose options that best suit you. You have the option to add optional valuables cover to make sure you're only paying for the cover you want. Your cover could help replace your contents in the event of flood, storm, fire, theft and much more.

      Two flexible tiers of protection

      We have two flexible tiers of protection for your contents cover: Accidental Damage and Listed Events. Use our online contents insurance calculator to help you estimate how much insurance you might need.
      Contents insurance calculator

        Cover includes:

         

        Accidental damage

         

        Listed events

        Accidental damage or accidental loss

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        X

        Valuable items
        Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, portable music players etc

        20% of sums insured or $7,500 whichever is greater

        (Up to $2,500 per item)

        20% of sums insured or $5,000 whichever is greater

        (Up to $2,500 per item)

        Optional additional valuables cover
        Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)

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        √

        Contents at home in the open air

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        √

        Up to $2,000 for the events listed

        Burning out of electrical motors
        For motors up to 15 years old

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        √

        Frozen food
        Following breakdown of freezer

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        Includes accidents

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        Up to $500

        Vet expenses if your pet is injured in a road accident

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        Up to $500

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        Up to $500

        Liability cover
        Up to $20 million

        √

        Worldwide

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        Australia wide

        Bicycle cover
        Up to $20,000

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        Includes accidents, except when racing

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        For listed events only

        Flood cover (automatic)

        √

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        New-for-old replacement cover (contents)

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        Credit card and transaction card misuse

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        $5,000

        √

        $5,000

        Small boats and watercraft
        Up to $5,000

        √

        Max length 4m – motors less than 10hp

        √

        Max length 4m – motors less than 10hp

         

        Please refer to the relevant Insurance Product Disclosure Statement for full details of cover limits and terms and conditions.

         

        Please refer to the relevant Key Facts Sheets for details of our Home Building and Home Contents policies.

         

        Policy terms, conditions, limitations and exclusions apply.

         

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          What else do I need to consider?

          Guides and tips

          Need to make a home insurance claim?

          Make a claim online or call the dedicated 24-hour claims hotline on 13 24 80.
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            Talk to us about your insurance needs today!

            Important to know

            • Policy terms, conditions, limits and exclusions apply.
            • Subject to the product issuer’s underwriting rules and acceptance guidelines.
            • Please refer to the Accidental Damage Product Disclosure Statement, Listed Events Product Disclosure Statement, Target Market Determination and other disclosure documents for full details of cover limits and terms and conditions available at peopleschoice.com.au or from any People’s Choice branch, before deciding whether to acquire insurance.
            • People’s Choice Credit Union, a trading name of Heritage and People's Choice Ltd ABN 11 087 651 125 AFSL 244310 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.
            • Insurance products are issued by Insurance Australia Limited trading as CGU Insurance. All our insurance issuers pay commission at rates which range from 0% - 25% of the base premium. The commission rate varies depending on the type of insurance.
            • Any advice provided is general advice only and does not take into consideration your personal 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 (PDS), other Disclosure Documents, and Target Market Determination (TMD). Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.