QBE is committed to providing you with the best cover and service to help protect your most treasured items through to the everyday essentials.
Home Cover Prestige is QBE’s building, contents and valuables insurance that can protect against any or all of the following:
With Home Cover Prestige, you’ll have peace of mind that if, through specific events, your property is damaged, destroyed or stolen, it can be repaired or replaced - usually 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.
|New for old replacement on most items||Yes|
|Legal Liability||$30 Million|
|Building safeguard benefit||Yes|
|Burning out of electrical motors (fusion)||Yes|
|Spoiled food from power failure||Yes|
|Essential temporary repairs||Yes|
|Loss of credit cards||Yes|
|Cost of replacing locks if your house keys are stolen||Yes|
|Cover when you move sites||30 days|
|Contents temporarily removed from your home||Yes. For high risk items $3,000 per item, max $12,000|
|Legal defence costs||$5,000|
|Replacement of documentation||$1,000|
|Domestic workers compensation||Optional extra**|
* Should you be unable to live in the home as a result of damage caused by a defined event
** Available in ACT, TAS & WA only for an additional cost
QBE has made it possible for you to enjoy a range of discounts on your premium:
The more secure your property is – through deadlocks, window locks, and either local or monitored alarms – the less you may have to pay.
Continue to earn No Claim Bonus discount, up to our maximum level, the more years you go without making a claim.
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, $750 $1,000 and $10,000. The higher the excess you choose, the lower the premium you’ll pay.
If you’re retired and no longer working more than 20 hours a week your premium will reflect the lower-risk nature of your circumstances.
Insurance underwritten by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545. Geelong Bank distributes insurance under its own AFSL/Australian Credit Licence Number 244351.
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. The product disclosure statement can be found on the relevant product page.
*Multi-policy discount is available on your first policy after renewal and is only available for Home, Landlords and Motor Vehicle policies that are purchased on referral from Geelong Bank. Terms, conditions and acceptance criteria apply. Cover limits apply as set out in the policy wording.