Get ultimate cover for your building and contents, protecting you against almost any type of accidental loss or damage.
The level of cover is extensive, with protection against theft or damage to items left in the open air, repair or replacement of burnt out electrical motors and damage to furniture or flooring caused by accidental spillage.
Best of all, you’ll get cover for your valuables both in and out of the home. You can rest assured your valuables are covered anywhere in Australia and worldwide for up to 90 consecutive days.
Compare Accidental Damage to our other policies. It has higher limits and extensive cover.
View the full list of Home and Contents Insurance Policy features and benefits.
| Cover for Loss or Damage as a result of incidents listed in the PDS | Accidental Damage | Listed Events | Fundamentals |
|---|---|---|---|
| Accidental damage or accidental loss anywhere in Australia |  |
 |
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| Alternate accommodation Paid on top of the sum insured | Up to 10% of sum insured |
Up to 10% of sum insured |
Up to 10% of sum insured |
| Any one item, pair, set, collection or system of valuables excluding sporting equipment. Limits apply Example: Jewellery, laptops, mobile phones, cameras & photographic equipment, MP3 players, etc. | 20% of sum insured or $7,500 whichever is greater (Up to $2,500 per item) |
20% of sum insured or $5,000 whichever is greater (Up to $2,500 per item) |
$2,000 in total (Up to $1,000 per item) |
| Any one item, pair, set, collection or system of sporting equipment. Limits apply | 20% of sum insured or $7,500 whichever is greater (Up to $3,000 per item) |
20% of sum insured or $5,000 whichever is greater (Up to $3,000 per item) |
$2,000 in total (Up to $1,000 per item) |
| Any content item, pair, set, collection, or system of contents items Example: CDs, DVDs, BluRay® discs, software, antiques. Up to $20,000 per item or boxed set unless specified | |
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| Architects, surveyors and legal fees Paid on top of the sum insured | Up to 10% of sum insured |
Up to 10% of sum insured |
Up to 10% of sum insured |
| Contents at home in the open air | |
Up to $2,000 for the events listed in the PDS |
Up to $1,000 for the events listed in the PDS |
| Credit card and transaction card misuse | $5,000 |
$5,000 |
$1,000 |
| Fine art, paintings and works of art Up to $20,000 per item unless specified | |
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| Frozen food following breakdown of freezer | Includes accidents |
Up to $500 |
|
| Removal of debris and demolishing costs Paid on top of the sum insured | Up to 10% of sum insured |
Up to 10% of sum insured |
Up to 10% of sum insured |
| Replacing keys and repairs to and recoding of locks and barrels | No limit |
Up to $1,000 |
Up to $1,000 |
| Optional cover to add to your policy | |||
| Other Valuables cover Cover for valuable items Australia wide and up to 90 days worldwide | $2,500 per item (nominate total sum insured |
$2,500 per item (nominate total sum insured) |
|
| Special Valuables cover Cover for valuable items Australia wide and up to 90 days worldwide | No limit |
No limit |
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Insurance issued by CGU Insurance Limited (CGU) ABN 27 004 478 371 AFSL 238291. For full policy details please refer to the Fundamentals Product Disclosure Statement (PDS), Listed Events Product Disclosure Statement (PDS), Accidental Damage Product Disclosure Statement (PDS) and Landlords Insurance Statement (PDS) which can be obtained by calling HBF on 133 423. This is general advice only and does not take into account your personal circumstances. You should consider the PDS and your personal circumstances in deciding whether to buy or hold these products. HBF Health Limited ABN 11 126 884 786 AR No. 406073 (HBF Health), is an authorised representative of and also acts under a binder from CGU, the issuer of general insurance products distributed by HBF Health. HBF Health will receive a commission of between 10 – 15% of the premium you pay (excluding taxes and charges) plus GST. For each travel insurance policy sold, HBF Health will receive a commission of up to $62. Please read the Financial Services Guide (FSG) before applying for an HBF General Insurance product.
Existing HBF member?
HBF members may be eligible for an additional discount.
Do you have any of the following policies with us?
16 May | HBF Health | read more
9 May | HBF Health | read more
2 May | HBF Health | read more
