How do I know if I have optional covers on my policy?
You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting Credit Union SA on (08) 8202 7777). If you’re not sure whether you have added these cover options, you can check your policy schedule.
How should I determine the replacement value of my buildings?
The replacement value of your buildings is not the same as the market value – you do not need to include the value of the land when calculating the buildings replacement value.
What is considered ‘unable to be lived in’?
Allianz Home and Contents Insurance through Credit Union SA will consider your home is unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and Allianz agree that you cannot live in the home.
What do I do if I need to make a buildings insurance claim?
Take all reasonable precautions to prevent further loss, damage or liability. Contact the police immediately to report any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 555 030 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the buildings insurance claims process.
Am I covered for Flood?
Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on (08) 8202 7777 to find out whether you are eligible for Flood cover. For full details of terms, conditions, limits and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement any supplementary PDS and Home Buildings Key Fact Sheet.
What do I do if I rent my home out to tenants?
If you’re renting your home out to tenants, cover is not available under our Home and Contents Insurance unless you also live at the insured address. Through Allianz, we offer a product that has been specifically designed for landlords that you can consider instead.
What does it mean if I take the Accidental Damage cover option?
This optional cover provides even more protection – it covers you in the event of damage caused by accidental unexpected mishaps that are caused unintentionally not just the specified insured events.
If you have Buildings cover only and select this option, examples of the sort of mishaps you’ll be covered for include when:
- You accidentally smash a hole in the wall when you move some furniture.
- Your kids draw all over your walls.
I would like cover for my portable contents with my Buildings cover, what are my options?