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Home Cover

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Home Cover is one of a comprehensive range of insurance solutions South West Credit offers.

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 Flood
  • Accidental Glass Breakage
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  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 or flood 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 South West Credit’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.

 

  A selection of benefits:
Home Cover  
New for old replacement on most items ✔
Legal Liability $30 million
Additional Benefits Cover
Building safeguard benefit ✔
Burning out of electrical motors (fusion) ✔
Environmental upgrade benefit ✔
Accommodation Costs * ✔
Spolied food from power failure ✔
Essential temporary repairs ✔
Loss of credit cards ✔
Cost of replacing locks if your house keys are stolen ✔
Optional Benefits Cover
Extended cover for contents in storage Optional extra#

*Should you be unable to live in the home as a result of damage caused by a defined event.

A range of ways to save

With South West Credit there are various ways to enjoy discounts on your premium.
  Multi-policy discount:

Once you have one MemberCare insurance policy with us, we’ll give you a discount on each additional MemberCare policy #
  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, $300, $400, $500, $750, $1,000, $2,500, $5,000, $7,500 and $10,000. The higher the excess you choose, the lower the premium you’ll pay.
  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, South West Credit ensures things are as straightforward as possible.

You can apply online, by phone, or at our branch. Flexible payment options include fortnightly, monthly or annual direct debit or credit card payments (excluding Diners Club).
  Additional Information:

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, the Target Market Determination, Key Facts About This Home Building Policy and Key Fact Sheet about The Home Contents Policy to decide if a product is right for you.
#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 through the same financial institution