Barracks Insurance
Living on base is an essential part of your ADF journey. With CGU’s contents insurance you can cover your belongings while you are living in the barracks, including when deployed.1
New for old
replacement
Cover
whilst deployed
Option to pay
by the month
CGU's contents insurance can provide cover for a range of barracks room incidents like theft, fire, storm and vandalism.
- New for old contents replacement cover.
- Cover for up to 270 days for your belongings in the barracks while deployed.1
- Cover up to 30 days whilst relocating.
- Optional Valuable items cover.
- Automatically includes flood cover.2
- Flexibility to pay premiums by the month.
What you need to know:
1 To be covered whilst deployed, you must call and advise CGU and have it noted on your policy.
2 CGU don’t cover actions of the sea, such as tides and waves.
Excesses may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
View Product Disclosure Statement (PDS)
View Key Facts Sheet - Contents
View Target Market Determination (TMD)
View Premium, Excess & Discounts Guide (PED)
To get a quote, please call us on 1300 13 23 28.
Inclusions
| Cover | Building | Contents |
| Cover for loss or damage to Your Home and Contents | ✔ | ✔ |
| Accidental breakage of glass | ✔ | ✔ |
| Animal damage | ✔ | ✔ |
| Deliberate or intentional act | ✔ | ✔ |
| Earthquake | ✔ | ✔ |
| Escape of water or liquid | ✔ | ✔ |
| Explosion | ✔ | ✔ |
| Fire | ✔ | ✔ |
| Flood or Rainwater Run-off | ✔ | ✔ |
| Impact | ✔ | ✔ |
| Lightning | ✔ | ✔ |
| Riot or civil commotion | ✔ | ✔ |
| Storm | ✔ | ✔ |
| Storm Surge or tsunami | ✔ | ✔ |
| Theft or attempted theft | ✔ | ✔ |
| Accidental damage – at Your Home | ✔ | Optional |
| Electrical motor burnout | ✔ | Optional |
| Cover for liability | ✔ | ✔ |
| Additional benefits | ||
| Accidental damage for Contents in transit to new home | ✘ | ✔ |
| Buying a new home | ✘ | ✔ |
| Contents away from Your Home | ✘ | ✔ |
| Contents in storage | ✘ | ✔ |
| Contents in the open air | ✘ | ✔ |
| Contents in transit | ✘ | ✔ |
| Food spoilage | ✔ | ✘ |
| Funeral expenses | ✘ | ✔ |
| Identity theft | ✘ | ✔ |
| Landscaping | ✔ | ✘ |
| Locating the cause of damage | ✔ | ✘ |
| Meeting building regulations | ✔ | ✘ |
| Mortgage discharge costs | ✔ | ✘ |
| Moving to a new home | ✔ | ✘ |
| Owner fixtures – Strata scheme | ✔ | ✘ |
| Professional and rebuilding fees | ✔ | ✘ |
| Removal of debris | ✔ | ✔ |
| Replacement of keys and locks | ✔ | ✘ |
| Safety net | ✘ | ✔ |
| Storage costs | ✘ | ✔ |
| Students living away from Home | ✘ | ✔ |
| Temporary accommodation | ✘ | ✔ |
| Visitors’ belongings | ✘ | ✔ |
| Optional benefits | ||
| Accidental damage – at Your Home | Automatically included | Optional |
| Electrical motor burnout | Automatically included | Optional |
| Portable Contents – away from Your Home | Optional | Optional |
| Valuable Contents – inside Your Home | Optional | Optional |
This table compares the cover CGU provide under the types of insurance and levels of cover they offer. The amount and extent of cover, including additional benefits and optional benefits, may also vary depending on the cover selected. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
Questions
Here are the most common questions we get asked about Barracks Insurance. Have a different question? Call us on 1300 13 23 28 to talk to one of our friendly team members.
How long can I be covered for when I’m deployed?
If you’re away from your place of residence due to deployment, you’ll be covered for up to 270 days (upon application).
Am I covered if a personal belonging gets damaged whilst relocating between barracks?
Yes, your belongings are covered for up to 30 days whilst you’re relocating.
Is liability insurance included in my policy?
Yes, you’re covered for up to $30 million in liability insurance.
If my belongings are damaged, will they be replaced with new items?
Yes, our Barracks Insurance includes new for old replacement.
Do you offer flexible payment options?
Yes, you can choose to pay fortnightly, monthly or quarterly at no extra cost.
How do I make a claim?
To make a claim, just call 132294 and quote your policy number. If you need to make a claim under your insurance, simply call CGU Claims on 13 24 80 to make a paperless claim. They’re available 24 hours a day, 7 days a week.