Protect the things you love coming home to
- Save up to 10% on your first year’s premium when you purchase a new policy online1,4
- Combine your building and contents cover to receive up to 10% discount on your premium2, 4
- 24/7 emergency claims assistance
Get a $250 reward for each Comprehensive Motor, Home & Contents, Landlord, or combined Hospital & Extras insurance policy – up to $1,000!*
Why choose CUA?
From holiday mementos to the family dining table, it’s our treasures that make a house a home. With options to tailor your cover, you can select the right product for you.
Flood cover may be available as an optional cover to your buildings and/or contents. A 72 hour exclusion period applies.
The accidental damage cover option helps protect you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents.
Option to protect your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance.
The Motor burnout option covers you if an electrical current damages your household electrical motors.
More cover for home & contents
Alternative accommodation for you and your pets
If your Building or Contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, Allianz pay the additional costs for temporary accommodation for you up to 10% of the building or contents sum insured (as applicable) and up to $500 for temporary accommodation for your pets in a commercial boarding establishment.
Cover for the unexpected
Allianz offers protection for out of the ordinary but devastating events such as fire, storm and burglary. We do not provide cover (where the type of cover you have under the policy provides it) for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires, during the first 72 hours after you first take out or increase the cover under the policy.
Allianz will cover the cost, up to $1,000, to replace the locks or cylinders of any external door or window following an actual or attempted theft or burglary if the key is stolen or you believe the key has been copied. No excess applies for the replacement of locks or cylinders.
In addition to your buildings sum insured, Allianz will pay up to 10% of your building and/or contents sum insured for the removal of debris from the damaged or destroyed part of the buildings.
How to make a claim
Lodging a claim online is quick and easy.
Important information Show content
* $250 digital pre-paid Mastercard will be issued for each new Home and/or Contents, Landlord, Comprehensive Motor or Combined Hospitals & Extras Health Insurance policy taken out through CUA between 01/09/2020 and 31/10/2020. ‘The digital prepaid Mastercard is issued by EML Payment Solutions Limited ABN 30 131 436 532 AFSL 404131 pursuant to license by Mastercard Asia/Pacific Pte Ltd on behalf of CUA. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. CUA may withdraw or amend this offer at any time without notice. Full terms and conditions, including eligibility criteria, available at https://www.cua.com.au/insurance250-terms. Home and/or Contents, Landlord and Comprehensive Motor insurance is arranged by Credit Union Australia Limited, ABN 44 087 650 959 (CUA) AFSL No. 238317 for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. CUA does not guarantee or otherwise support this insurance product. CUA do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please consider the Product Disclosure Statement. If you purchase this insurance, CUA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services. Full details of the commission are set out in the relevant Financial Services Guide. Combined Hospitals & Extras Health insurance is provided by CUA Health Ltd ABN 98 098 685 459 (CHL) which is not an authorised deposit-taking institution. While this insurance may be distributed by CUA, CUA is not liable for this product and does not stand behind CHL.
Credit Union Australia ABN 44 087 650 959 (CUA) AFSL/Australian Credit Licence No. 238317 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from www.cua.com.au. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.
A premium discount of up to 10% is applied to your first years premium when you buy a new home insurance policy online including the following optional covers (if applicable); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal. A premium discount of up to 10% is applied to your first years premium when you buy a new Landlord insurance policy online including to optional covers if selected. This discount is not applied on renewal.
A discount of up to 10% for combining Buildings and Contents covers on one policy is applied for Building and Contents, Motor Burnout and Accidental damage cover where applicable. The combined policy discount does not apply to the optional Flood or Portable Contents covers.
- No Claim Bonus
When you take out a new policy, we calculate your No Claims Bonus based on your home or landlords (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding five years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus.
- Minimum premiums
If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts.
Discounts do not apply to taxes or government charges.
Discounts do not apply to optional covers for Domestic Workers Compensation / Landlord Workers Compensation, and may not apply to other optional covers (if available and selected).
Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.
- Excess reduction
Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.
- Instalment premiums
If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.