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Bank First’s Home Insurance Standard is not a single fixed package: it may cover buildings, contents, or both, and accidental damage is optional on Standard. The policy is issued by Insurance Australia Limited under the CGU brand and distributed by Bank First, which discloses that it receives commission from CGU insurance sales. Whether it suits you depends on the cover shown in your Certificate of Insurance, not just the product summary.
What does “Bank First Home Buildings and Contents Standard” mean?
Bank First’s product overview describes home insurance options that can include building cover, contents cover, or both. Check which cover you are considering: a combined owner-occupier policy is different from contents cover for a strata owner, where the building may be insured through the owners corporation. Bank First’s page also refers to a separate Home Contents Standard option for strata owners; do not assume its terms are identical to a buildings-and-contents policy.
The insurer is Insurance Australia Limited, under the CGU brand. Bank First distributes the insurance under an agreement with CGU and says, “Bank First receives commission when selling CGU insurance products.” Bank First’s insurance disclosure explains the relationship.
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According to Bank First’s current overview, accidental damage can be added as an optional benefit to Home Insurance Standard and is included with Home Insurance Plus. Standard therefore does not automatically mean accidental-damage cover. Confirm whether the option appears on your quote and Certificate of Insurance, and check the applicable policy wording for its definitions, limits, excesses and exclusions. Bank First’s home insurance overview describes the options.
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What the overview says is covered
Buildings
Building cover is described as paying to repair or rebuild after a covered incident, up to the building sum insured. The listed events and benefits include theft and vandalism, flood, storm and storm surge, fire, temporary accommodation and liability. Each remains subject to policy terms, including definitions, limits and exclusions; the overview is not a substitute for the PDS.
Bank First’s building sum-insured calculator is a guide, and the customer is responsible for insuring the full replacement value. Insuring for more than the actual cost does not mean a claim will pay more than the cost to repair, replace or rebuild.
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Contents
Contents cover applies to items in the home. Optional Portable Contents can cover certain items taken away from home. Bank First says this cover applies in Australia and that different limits apply outside Australia or New Zealand; check the PDS for the exact geographic scope and applicable limits.
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Specified valuables and portable items
- Works of art, collections, jewellery and watches share a combined $2,500 limit unless you obtain a higher limit through the additional Valuable Contents benefit.
- Portable items have a $10,000 per-item limit unless separately listed.
These are product limits stated in Bank First’s overview, not guaranteed claim payments. Check how an item must be specified, what evidence of value is required, and which excess or other conditions apply in the policy documents.
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Important exclusions and claims conditions
Sea action and property in use
Bank First’s summary says CGU does not cover actions of the sea, such as tides and waves. It also flags limits or exclusions affecting sporting equipment, musical instruments, firearms and other property while in use. The short summary does not establish every definition or exception, so consult the PDS for the wording that applies to your circumstances.
Choosing a repairer
You may choose a repairer, but Bank First says that if you do not use a CGU partner repairer, CGU does not guarantee the workmanship or repairs and will not manage repair timeframes or quality. It will pay only what it considers the fair and reasonable repair cost. Read the claims terms before deciding how much control over repair arrangements matters to you.
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Which documents establish your actual cover?
The policy summary cannot confirm your individual limits, selected options or excesses. Your Certificate of Insurance and the PDS that applies to your policy establish the cover, terms, conditions, limitations and exclusions. Bank First lists a Home Insurance PDS, Premium, Excess & Discounts Guide, Home Building and Home Contents Key Fact Sheets, and a Target Market Determination in its insurance disclosure documents.
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Best Value
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Is Bank First Standard good value?
The available information does not establish current premiums or support a like-for-like value ranking. A price verdict would require comparable quotes based on the same property and risk details, cover amounts, options and excesses. A related CHOICE search listing says its strata-owner contents policy score is based on cover because price data was not shared; that does not establish a price or value assessment for this exact buildings-and-contents policy.
For a useful comparison, line up the same:
- Property address and risk details, plus a realistic building replacement estimate.
- Contents sum insured and treatment of high-value items.
- Optional benefits, including accidental damage and portable contents.
- Excesses, flood and storm treatment, and temporary accommodation limits.
- Exclusions, geographic limits and the claims repair process.
Compare the actual quote and policy documents, not only the Standard or Plus label. A lower premium may reflect a different excess, narrower cover or omitted option rather than a better deal.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
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