Apartment Insurance with CHU Contents Cover

• Accidental Damage Cover: You can choose to add the Accidental Damage option for an additional premium. This option includes damage to contents caused by power surge confirmed by an appropriately qualified contractor; and accidental loss of your contents that can’t be recovered after you have taken reasonable steps to try to find or recover them.
• Portable Contents Cover: The Portable Contents option covers personal items that are designed to be used, worn or carried away from home.

• Mobile Phones
• Jewellery and watches – this does not include smart watches
• Portable electronic devices – includes things like GPSs, smart watches, tablets and laptops (but excludes mobile phones)
• Bicycles and personal mobility devices – include their equipment and accessories
• Recreational, hobby items or clothing – includes things like sporting equipment, musical instruments, camping gear, and accessories normally worn or carried such as sunglasses and handbags
• Medical or health items – includes things like hearing aids (but not hearing implants), prescription spectacles or mobility scooters but does not include any medical equipment or apparatus that requires specialised fitting, customisation or modification by a medical professional, is custom made for you, or requires operation or supervision by a medical professional while in use. It also does not include drugs or other prescribed medication. See the definition of ‘medical or health items’ for further details.
• Collections

• 21 days cooling off period should you change your mind
• 24/7 claims service and support with emergency assistance
• For strata lot owners, you will not have to pay an excess if your strata building owner makes a claim on a CHU policy for loss or damage caused by the same incident.

CHU’s Contents Insurance policy doesn’t include cover for things like:

• Home (or ‘buildings’) insurance
• Wear and tear, gradual deterioration or costs associated with maintenance.