HOME AND CONTENTS AND LANDLORDS INSURANCE FOR INSIDE AND OUT

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1 HOME AND CONTENTS AND LANDLORDS INSURANCE FOR INSIDE AND OUT

2 Insurance issued by CGU Insurance Limited (CGU) ABN AFSL Any advice contained in this document is general advice only and does not take into account your individual circumstances. A product disclosure statement is available at bupa.com.au and should be considered before making any decision on this product. Bupa Australia Pty Ltd ABN is an authorised representative of CGU.

3 WE VE GOT THE ROOF OVER YOUR HEAD COVERED Everyone, no matter where they live, wants to feel secure. That s why, whether you re a home owner or renting a property, it s important to make sure you have a sufficient level of cover. At Bupa, we re committed to providing great value to our members. And through our partnership with CGU we can take care of all your Home & Contents Insurance needs. Plus if you own a rental property, we can cover that as well. Better still, we ll give you a healthy 10% discount on your premium, just for being a Bupa member. CONTENTS Why Bupa? 2 Home and Contents Insurance 5 Accidental Damage Cover 7 Listed Events Cover 9 Products at a glance 10 Cover in an instant 12 1

4 WHY BUPA? WE WANT YOU TO LIVE A LONGER, HEALTHIER, HAPPIER LIFE Bupa is a healthcare leader proudly looking after the needs of more than three million Australians. We have been around for over 60 years and we re part of a global family whose care and expertise now stretches across 190 countries. It is our purpose that makes us different. We exist to help our members live longer, healthier, happier lives. We are dedicated to helping find a healthier you. To find out more: Call us on Visit bupa.com.au Drop by your local Bupa centre 2 2

5 WE PUT OUR MEMBERS AT THE HEART OF EVERYTHING WE DO The right cover for you We know each home is different. So whilst health insurance is at our core, we are committed to offering high-quality cover in everything that we do, by providing you with a wide range of options to help meet your current and changing home and contents needs. Greater value for members Our members are important to us, and we know your bank balance is important to you. So, as a valued Bupa member, you will receive a 10% discount off your Bupa home insurance premium every year. Sometimes the little things mean a lot There are lots of things that make your house a home. Our contents insurance covers you for up to $20,000 for any item, set or pair, both in and out of the home. Giving you peace of mind knowing that the little things you use ever day such as your digital camera, laptop, phone, or DVDs are covered.* For your convenience We give you choice so you can manage your cover whenever, wherever. You can contact us by phone or talk to someone face to face at one of 100 retail centres. Help when you need it We know the unexpected doesn t always happen during business hours. That s why you have access to a 24-hour emergency claims assistance hotline. Even better, there is no need to fill out complicated forms and paperwork, you can claim over the phone, helping you get back on track faster. *Annual limits and conditions apply. Refer to Product Disclosure Statement (PDS) for full details. 3

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7 HOME AND CONTENTS INSURANCE THAT GOES FURTHER Bupa Home & Contents Insurance covers more than just the four walls you live in. In fact, we cover items many insurance companies don t. Any permanent fixtures built on your property are considered to be part of your home. So if you have a garage, shed, pergola, fences, decking, swimming pool or spa, we ve got it covered right down to the paving on your driveway. Plus, our contents insurance covers items like CDs, DVDs, video games and devices like iphones, laptops and digital cameras, both in and out of the home*. You can also tailor each type of cover we offer to be Building only, Contents only, or Building and Contents. Our most popular products are Accidental Damage Cover and Listed Events Cover. *Limits apply. 5

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9 ACCIDENTAL DAMAGE COVER Our highest level of home insurance covers your home for events such as fire, theft, storm and water damage, plus accidental damage or loss. So if you accidentally drop your plasma screen TV or spill paint on your carpet, we ll repair or replace it new for old. Plus, if your home is damaged and uninhabitable as a result of an incident we cover, we ll pay for temporary equivalent accommodation for up to 12 months*. Because we want you to get back on your feet as soon as possible. If you d like valuable items insurance as part of this package, you re automatically covered for up to $2,500 for any one item, pair, set or collection, up to a maximum of $7,500 in total or 20% of your sum insured, whichever is higher. You can also request additional cover for specific items valued above $2,500, such as an engagement ring or laptop. We ll also repair or replace an electrical motor if it burns out, provided it s 15 years old or less. This includes your washing machine and fridge. Contents insurance in this package is for accidental loss or damage of your valuable items inside or outside your home, anywhere in Australia and New Zealand for up to 90 days. *Terms, conditions, limits and exclusions apply. For full details please refer to the PDS. 7

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11 LISTED EVENTS COVER This level of cover protects your home against listed events such as fire, theft, storm damage and water damage. And if your home is damaged and uninhabitable as a result of an incident we cover, we ll pay for temporary equivalent accommodation for up to 12 months. If you take out contents cover as part of this insurance, your goods will be replaced new for old and electrical motors that are 15 years old or less are covered if they burn out. Plus, you can get extra cover for personal valuables you use outside your home. (To a maximum of $2,500 for any one item, pair, set or collection up to a maximum of $5,000 in total.) Of course, you can also request additional cover for specific valuables that are valued above $2,500. Contents insurance under Listed Events cover is for loss or damage of your contents, as a result of a listed event that occurs inside your home only. If you choose optional other Valuables cover or Special Valuable cover to this policy, for an additional premium, these valuable items will be covered anywhere in Australia and New Zealand for up to 90 days (limits apply). We also offer a basic level of cover known as Fundamentals. To see how all three types of cover stack up, check the table on page 10. 9

12 HOME AND CONTENTS INSURANCE PRODUCTS AT A GLANCE FEATURES HOME AND CONTENTS INSURANCE ACCIDENTAL DAMAGE LISTED EVENTS FUNDAMENTALS Accidental damage or accidental loss Alternative accommodation Paid in addition to the sum insured Architects, surveyors and legal fees Paid in addition to the sum insured Burning out of an electric motor for motors up to 15 years old CDs, DVDs, BluRay Discs and Software Up to $20,000 per item or boxed set unless specified Contents at home in the open air Credit Card and transaction card misuse $5,000 Up to $2,000 for the events listed $5,000 up to $1000 for the events listed $1,000 Fine art, paintings and works of art Up to $20,000 per item unless specified Loss of frozen food after break down No limit Up to $500 New-for-old replacement cover (Contents) Removal of Debris and Demolishing Costs Paid in addition to the sum insured Replacing keys and repairs to and recoding of locks and barrels Valuable items jewellery, laptops, mobile phones, cameras & photographic equipment, MP3 players, etc. Optional additional Valuables Cover Worldwide cover for up to 90 consecutive days Vet expenses if your pet is injured in a road accident No limit 20% or $7,500 whichever is greater (Up to $2,500 per item). Up to $1,000 20% or $5,000 whichever is greater (Up to $2,500 per item). Up to $1,000 $2,000 in total (Up to $1,000 per item). Up to $500 Up to $500 10

13 LANDLORDS RESIDENTIAL INSURANCE FEATURES Accidental breakage of fixed glass, basins, sinks, baths and toilets included in loss or damage by a tenant or their visitors Architects, surveyors and legal fees Paid in addition to the sum insured Burning out of an electric motor for motors up to 15 years old and no bigger than 3.7kW Deliberate or intentional acts, vandalism or a malicious acts Optional Liability $5 million, $10 million, $15 million or $20 million Optional Loss of Rent cover If your building is uninhabitable, up to 12 months, up to the sum insured chosen Optional Rent Default cover Up to $5,000 less any excess or bond money* Optional Theft by Tenant cover Removal of Debris and Demolishing Costs* Paid in addition to the sum insured Water or liquid damage *Terms and conditions apply to the proof of rental agreement. 11

14 RENTING OUT A PROPERTY? We also offer comprehensive landlord insurance. To find out more, call our friendly Bupa team on , visit bupa.com.au or drop by your local Bupa centre. NOT SURE HOW MUCH COVER YOU NEED? You can help work out the replacement value of your home with our easy to use checklist. Just ask for your free copy or go online at bupa.com.au COVER IN AN INSTANT With Bupa Home and Contents Insurance, you can get immediate cover, even over the phone. And if you re not satisfied, you can receive a full refund within 21 days, provided you haven t made a claim. To apply: Drop by your local Bupa centre, Call us on , or Visit bupa.com.au 12 12

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16 FOR MORE INFORMATION Call us on Visit bupa.com.au Drop by your local Bupa centre Mailing details: PO Box Melbourne VIC 8001 Bupa Australia Pty Ltd ABN Effective 23 August S The World of Bupa Health insurance Car and Home insurance Care Homes Corporate health Dental insurance Health assessments Health coaching Health information Health programs Life insurance Optical health Travel and Overseas insurance 14