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Home Cover Prestige

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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? 

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 South West Credit’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 South West Credit 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 South West Credit 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:

  • Accidental Loss or Damage
  • Fire
  • Explosion or implosion
  • Lightning or thunderbolt
  • Earthquake or Tsunami
  • Theft
  • Malicious Damage
  • Water or other liquid
  • Falling Objects
  • Impact
  • Riot
  • Storm, Rain or  Flood
  • Power Surge

 

  A selection of benefits
Benefits Cover
New for old replacement on most items
Legal Liability $30 million
Accidental Damage
Additional Benefits Cover
Building safeguard benefit
Burning out of electrical motors (fusion)
Environmental upgrade benefit
Accommodation Costs *
Spoiled food from power failure
Essential temporary repairs
Loss of credit cards
Cost of replacing locks if your house keys are stolen
Optional Benefits Cover
Domestic workers compensation Optional extra #

 

*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 South West Credit 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.

Seniors discount

If any named Policyholders are over 50 years of age, you are entitled to the over 50s discount.

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.

Retirees  Discount

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.

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).

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

Home Cover Prestige Product Disclosure Statement

To Apply

Use the QBE online quoting form

Product Factsheet

Request a product factsheet Request a factsheet

Questions

If you have any questions Contact Us

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.

# 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

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