The details shown below are for the Contents Insurance Premier

The details shown below are for the Contents Insurance Basic

Choose the version of this product that suits you best

  • Contents Insurance Premier

  • Contents Insurance Basic

Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
n/a
Contents cover
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
n/a
Contents cover

Mozo editorial review CHU Contents Insurance - last updated: 15 December 2020

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What's hot
  • New for old replacement if items are damaged or stolen
  • Flexible cover limits
What's not
  • Extra fee for monthly payments
Mozo snapshot

CHU provides contents insurance specially tailored for those who live in apartments, units, villas and townhouses. The insurer offers two different policies: Basic and Premier, each with varying degrees of cover for a wide range of items. The policy comes with a 21 day cooling off period, meaning you have time to cancel it if you change your mind and there are no cancellation fees to worry about. On top of that, you’ll be able to take advantage of CHU’s 24/7 claims and customer support service.

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Key features

CHU's Basic cover insures a range of items with different levels of cover. This includes cash up to a maximum amount of $500 (up to $1,500 for Premier cover), CDs, DVDs and electronic files up to $3,000 (or $25,000 for Premier) and computer software and hardware up to $5,000 (or $10,000 for Premier). As for antiques and valuables, they’ll be covered up to $5,000 for Basic or $40,000 for Premier.

New for old replacement applies for both policies, meaning that when it comes to replacing your belongings, CHU will get you brand new ones, regardless of how old the original items were.

Under Basic contents insurance, you’ll be covered in case of accidental breakage of glass, power surges caused by lightning, theft, vandalism, and explosions. When it comes to natural disasters, the policy covers damage caused by fire, lightning, storm, flood and earthquake. Premier Cover goes further and includes accidental loss and damage of items along with the above.

Both policies will provide a $5,000 payout in the case of a death, and $10,000 in the case of an injury that leaves you paraplegic or quadriplegic. Cover also extends to your pets. Vet expenses are insured up to $500, and the policy includes temporary accommodation for your furry companions, so you can be confident they’ll be looked after.

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Who is it good for

CHU Contents Insurance would suit anyone living in an apartment, unit, villa or townhouse who is after a comprehensive policy to safeguard their belongings. Keep in mind that even if your building has strata insurance, this only covers the overall building and common areas, so having an individual policy in place is a good idea if you want to protect your personal belongings.

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Any catches

Like many contents insurance policies, CHU Contents Insurance is subject to change in cases where your home has been unoccupied for certain periods of time. For example, if it’s furnished and is left unoccupied for more than 60 days, you won’t be covered for fires, explosions, theft, vandalism and malicious damage, damage from water or other liquids, and glass breakage.

Details

Rates and fees information correct as at 19 October 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Contents

Up to 1% of sum insured up to $1,500

Up to $1,000

Up to $5,000 per item up to $25,000

Up to $10,000 per item up to $40,000

Up to $1,500 per item up to $25,000

Yes

Up to $10,000 per item up to $40,000 combined with antiques

Up to $10,000 per item up to $40,000 combined with handwoven carpets

Up to $5,000 per item up to $25,000

No

Up to $2,000 per item up to $5,000

No

Yes

Up to $2,500

No

Yes

Other cover

$5,000 for death

Up to $500

Up to $500

Up to 12 months, up to 10% for sum insured combined with temporary accommodation for pets

Up to 12 months, up to 10% for sum insured combined with temporary accommodation

No

No

No

Up to $500

Up to 60 days

Up to 60 days

Policy and service features

60

No

Yes

$500

true

no

20% discount on the first year premium for new policies until 31 December 2020

Yes

Up to 30 days up to 20% of sum insured

Yes

Up to $30,000,000

none

none

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to $2,000

No

Yes

Yes

No

Yes

Yes

Yes

Yes

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Details

Rates and fees information correct as at 19 October 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Contents

Up to 1% of sum insured up to $500

Up to $1,000

Up to $3,000

Up to $5,000

Up to $1,500

Yes

Up to $5,000 per item up to $10,000 combined with antiques

Up to $5,000 per item up to $10,000 combined with handwoven carpets

Up to $1,500 per item up to $7,500

No

Up to $500 per item up to $1,500

No

Yes

Up to $1,500

No

Yes

Other cover

$5,000 for death

Up to $500

Up to $500

Up to 12 months, up to 10% for sum insured combined with temporary accommodation for pets

Up to 12 months, up to 10% for sum insured combined with temporary accommodation

No

No

No

Up to $500

Up to 60 days

Up to 60 days

Policy and service features

60

No

Yes

$500

true

no

20% discount on the first year premium for new policies until 31 December 2020

Yes

Up to 30 days up to 20% of sum insured

Yes

Up to $30,000,000

none

none

Events

No

Yes

Yes

Yes

Yes

Yes

Yes

Up to $2,000

No

Yes

Yes

No

Yes

Yes

Yes

Yes

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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