QBE has two options for Home and Content insurance - Prestige Cover or Home Cover.  

 Prestige Cover

 Home Cover

Prestige Cover

Safeguarding your home and possessions

We all have our valued possessions, along with many more we take for granted. While some are irreplaceable, there are a surprising number we would need to replace, should the worst happen.  From kitchen appliances to the kitchen sink and house itself, it all adds up.

What if a major catastrophe – like fire, lightning, storm damage or falling trees – hit your home?   How would you afford to replace the clothes, furniture, books and other items lost in a fire?   What would be the real cost of rebuilding or repairing your home to the quality and size it is now? 

Less dramatic incidents take their toll as well.  It’s amazing how much damage children can unwittingly do with balls, paint and other “playthings”.  

And what of those essentials of daily life we take out and about – music players, mobile phones, digital cameras and sunglasses?  Small, portable, easy to lose, and appealing to thieves.  Costly to replace and frustrating to do without.

Home Cover Prestige is Orange Credit Union’s building, contents and valuables insurance solution that can protect any or all of these scenarios.

Home Cover Prestige provides peace of mind that, if, through specific events, your property is damaged, destroyed, lost, or stolen, it can be repaired or replaced.  And it will usually be on a “new-for-old” basis, regardless of the item’s age. It also protects you against malicious damage and accidental loss or damage to home and contents at the insured address. Plus it provides extended cover for your contents when temporarily removed anywhere in Australia and New Zealand, or for up to 90 days when overseas.

Competitive, convenient cover backed by QBE

Home Cover Prestige is one of a comprehensive range of insurance solutions Orange Credit Union offers through our association with QBE Insurance.  

Founded in 1886, QBE is one of Australia’s leading insurers.  It’s because of QBE’s experience, security and strength – as well as its prompt, efficient and friendly claims service – that we’ve made it our general insurance provider. 

This partnership enables us to deliver Orange Credit Union members quality and value in insurance products, with the added convenience of having everything under the same roof.

Core Cover

Home Cover Prestige core defined events

• Accidental Loss or Damage
• Fire
• Explosion
• Lightning or thunderbolt
• Earthquake or Tsunami
• Theft
• Malicious Damage
• Water or other liquid
• Falling objects
• Impact
• Riot
• Storm, Rain or Flash Flood
• Implosion
• Power surge
• Sonic boom

A Selection of Benefits

*Should you be unable to live in the home as a results of damage caused by a defined event
#Available in ACT, TAS & WA only for an additional cost

A range of ways to save

With Orange Credit Union there are various ways to enjoy discounts on your premium.
 
Security discounts

The more secure your property is – through deadlocks, window locks, and either local or monitored alarms – the less you may have to pay.  

Household no claim bonus

Continue to earn No Claim Bonus discount, up to our maximum level, the more years you go without making a claim.

A choice of Excess

Your excess is the initial amount you have to pay yourself if you make a claim, and we offer options of nil excess, $100, $250, $500 and $1,000.  The higher the excess you choose, the lower the premium you’ll pay.

Retirees Discount

If you’re retired your premium will reflect the lower-risk nature of your circumstances.

Easy to arrange, simple to claim

The convenience of having Home Insurance under the same roof as your financial services isn’t the only way we make life easier. From making your application to making a claim, Orange Credit Union ensures things are as straightforward as possible.   

You can apply online, by phone, or at any branch. Flexible payment options include monthly or annual direct debit or credit card payments (excluding American Express and Diners).

If you do need to make a claim, we won’t make you wade through paperwork.  QBE have a 24-hour emergency claims number, and in most cases, you need just provide details over the phone.

Download the product disclosure statement

Important Notes

Terms, conditions and acceptance criteria apply.  Cover limits apply as set out in the policy wording.  This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement  to decide if a product is right for you.

Insurance issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545

Home Cover

Safeguarding your home and possessions

We all have our valued possessions, along with many more we take for granted. While some are irreplaceable, there are a surprising number we would need to replace, should the worst happen.  From kitchen appliances to the kitchen sink and house itself, it all adds up.

What if a major catastrophe – like fire, lightning, storm damage or falling trees – hit your home?   How would you afford to replace the clothes, furniture, books and other items lost in a fire?   What would be the real cost of rebuilding or repairing your home to the quality and size it is now? 

And what of those essentials of daily life we take out and about – music players, mobile phones, digital cameras and sunglasses?  Small, portable, easy to lose, and appealing to thieves.  Costly to replace and frustrating to do without.

Home Cover is Orange Credit Union’s building, contents and valuables insurance solution that can protect any or all of these scenarios.

Home Cover provides peace of mind that, if, through specific events, your property is damaged, destroyed or stolen, it can be repaired or replaced.  And it will usually be on a “new-for-old” basis, regardless of the item’s age.

Competitive, convenient cover backed by QBE

Home Cover is one of a comprehensive range of insurance solutions Orange Credit Union offers through our association with QBE Insurance.  

Founded in 1886, QBE is one of Australia’s leading insurers.  It’s because of QBE’s experience, security and strength – as well as its prompt, efficient and friendly claims service – that we’ve made it our general insurance provider. 

This partnership enables us to deliver Orange Credit Union members quality and value in insurance products, with the added convenience of having everything under the same roof.

Core Cover

Home Cover core defined events

• Fire
• Explosion
• Lightning or thunderbolt
• Earthquake or Tsunami
• Theft
• Vandalism
• Water or other liquid
• Collision
• Falling tree, branch or aerial
• Damage by animals
• Riot
• Storm, Rain or Flash Flood
• Accidental Glass Breakage

A Selection of Benefits

*Should you be unable to live in the home as a results of damage caused by a defined event
#Available in ACT, TAS & WA only for an additional cost

A range of ways to save

With Orange Credit Union there are various ways to enjoy discounts on your premium.
 
Security discounts

The more secure your property is – through deadlocks, window locks, and either local or monitored alarms – the less you may have to pay.  

Household no claim bonus

Continue to earn No Claim Bonus discount, up to our maximum level, the more years you go without making a claim.

A choice of Excess

Your excess is the initial amount you have to pay yourself if you make a claim, and we offer options of nil excess, $100, $250, $500 and $1,000.  The higher the excess you choose, the lower the premium you’ll pay.

Retirees Discount

If you’re retired your premium will reflect the lower-risk nature of your circumstances.

Easy to arrange, simple to claim

The convenience of having Home Insurance under the same roof as your financial services isn’t the only way we make life easier. From making your application to making a claim, Orange Credit Union ensures things are as straightforward as possible. 

You can apply online, by phone, or at any branch. Flexible payment options include monthly or annual direct debit, or credit card payments (excluding American Express and Diners).

If you do need to make a claim, we won’t make you wade through paperwork.  QBE have a 24-hour emergency claims number, and in most cases, you need just provide details over the phone.

Download the product disclosure statement

Important Notes

Terms, conditions and acceptance criteria apply.  Cover limits apply as set out in the policy wording.  This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement  to decide if a product is right for you.

Insurance issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545