Choose the version of this product that suits you best
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Contents Insurance Premier |
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Contents Insurance Basic |
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.
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.
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.
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.
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Up to 1% of sum insured up to $1,500 |
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Up to $1,000 |
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Up to $5,000 per item up to $25,000 |
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Up to $10,000 per item up to $40,000 |
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Up to $1,500 per item up to $25,000 |
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Yes |
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Up to $10,000 per item up to $40,000 combined with antiques |
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Up to $10,000 per item up to $40,000 combined with handwoven carpets |
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Up to $5,000 per item up to $25,000 |
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No |
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Up to $2,000 per item up to $5,000 |
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No |
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No |
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Up to $2,500 |
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No |
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Yes |
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$5,000 for death |
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Up to $500 |
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Up to $500 |
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Up to 12 months, up to 10% for sum insured combined with temporary accommodation for pets |
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Up to 12 months, up to 10% for sum insured combined with temporary accommodation |
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No |
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No |
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No |
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Yes |
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Up to 60 days |
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Up to 60 days |
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60 |
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No |
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Yes |
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$500 |
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true |
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no |
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20% discount on the first year premium for new policies until 31 December 2020 |
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Yes |
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Up to 30 days up to 20% of sum insured |
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Yes |
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Up to $30,000,000 |
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none |
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none |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to $2,000 |
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Yes |
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Yes |
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Yes |
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No |
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Yes |
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Yes |
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Yes |
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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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Up to 1% of sum insured up to $500 |
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Up to $1,000 |
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Up to $3,000 |
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Up to $5,000 |
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Up to $1,500 |
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Yes |
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Up to $5,000 per item up to $10,000 combined with antiques |
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Up to $5,000 per item up to $10,000 combined with handwoven carpets |
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Up to $1,500 per item up to $7,500 |
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No |
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Up to $500 per item up to $1,500 |
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No |
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No |
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Up to $1,500 |
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No |
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Yes |
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$5,000 for death |
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Up to $500 |
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Up to $500 |
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Up to 12 months, up to 10% for sum insured combined with temporary accommodation for pets |
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Up to 12 months, up to 10% for sum insured combined with temporary accommodation |
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No |
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No |
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No |
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Yes |
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Up to 60 days |
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Up to 60 days |
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60 |
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No |
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Yes |
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$500 |
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true |
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no |
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20% discount on the first year premium for new policies until 31 December 2020 |
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Yes |
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Up to 30 days up to 20% of sum insured |
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Yes |
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Up to $30,000,000 |
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none |
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none |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to $2,000 |
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No |
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Yes |
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Yes |
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No |
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Yes |
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Yes |
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Yes |
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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.
What a disgusting mob. They refused a claim when the garage ceiling fell down. They knocked back our claim on the grounds of wear and tare. We fixed the problem for $3,800. We were insured through the body corporate. They then sent us a BODY CORP renewal for $7,800. Rang AAMI INS. Same cover $4,100. We had been with CHU for many years. All ok until you make a claim. Stay clear of this mob. We are still considering Court Action.
Read full reviewWhat a disgusting mob. They refused a claim when the garage ceiling fell down. They knocked back our claim on the grounds of wear and tare. We fixed the problem for $3,800. We were insured through the body corporate. They then sent us a BODY CORP renewal for $7,800. Rang AAMI INS. Same cover $4,100. We had been with CHU for many years. All ok until you make a claim. Stay clear of this mob. We are still considering Court Action.
They put me through hell making an insurance claim,?had to escalate my case to AFCA Staff are horrible, Insurance Is give below zero in rating. Customer service doesn’t exist. I’d go with AAMI for anything to be insured. Worst insurance company ever, I’ll be advising the CEO of CHU & QBE how the company is run.
Read full reviewThey put me through hell making an insurance claim,?had to escalate my case to AFCA Staff are horrible, Insurance Is give below zero in rating. Customer service doesn’t exist. I’d go with AAMI for anything to be insured. Worst insurance company ever, I’ll be advising the CEO of CHU & QBE how the company is run.