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Bupa Ultimate (renters) is an Australian contents insurance policy, not a health insurance plan. CHOICE identifies The Hollard Insurance Company Pty Ltd as the provider and describes its cover as identical to Huddle Black; that does not mean the two policies have the same price. The available comparison does not publish a premium, so whether it is good value depends on a current quote and the terms offered for your address.
What Bupa Ultimate (renters) is
This policy is designed to insure a renter’s contents for a selected sum insured. CHOICE’s product listing identifies it as a white-label policy provided by The Hollard Insurance Company Pty Ltd. CHOICE says its cover is identical to Huddle Black in its 2026 contents insurance comparison. This is a description of cover, not evidence that premiums, excesses or every quote condition are the same. CHOICE’s Bupa Ultimate (renters) review and its 2026 contents insurance comparison provide the comparison details.
The policy summary describes cover for accidental damage and insured events including fire, theft, storm, impact and flood. The wording, schedule and certificate determine how those broad categories apply to a particular claim.
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The following figures and conditions are reported in CHOICE’s product summary. They are not a substitute for checking the current policy documents and quote.
#1 Best Overall
- Read Before You Buy — No Video Output: These adapters support charging and USB 2.0 data transfer, but cannot transmit video signals. Except for standard USB webcams (which use USB data only), they are not compatible with HDMI/DisplayPort cables, video-capable USB-C hubs, or docking stations with video output.
- Convert USB-A Ports to USB-C: Designed to connect USB-C earphones, cables, flash drives, card readers, and other USB-C accessories to standard USB-A ports. Plug-and-play with no drivers or software required.
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- 12-Month Warranty: Backed by a 12-month manufacturer warranty for peace of mind. Designed to meet strict quality control standards for reliable everyday performance.
| Cover area | What CHOICE lists | What to check |
|---|---|---|
| Accidental loss or damage | Included by default, with exclusions. Ordinary-use chipping, denting or scratching is given as an example of damage not covered. | Read the exclusions and examples in the policy wording; accidental damage does not mean every mishap is insured. |
| Fire and bushfire | Covered. The listing reports a 72-hour waiting period for bushfire and up to $750 for fire brigade charges. | Confirm when cover starts and the applicable benefit limit in your documents. |
| Flood and sea-related events | Flood and tsunami are listed as covered; storm surge and action of the sea are listed as not covered. | Check the policy definitions. Similar-sounding water events may be treated differently. |
| Theft and attempted theft | Covered subject to exclusions. The listing flags theft by residents, theft from common property and certain thefts from the open air as examples requiring attention. | Check the exact circumstances and security conditions that apply to your home and belongings. |
| Contents left outdoors | The reported cap is $8,000 overall and $2,000 per item, with an exception listed for barbecues and garden furniture. | Confirm how the exception is defined and whether an item is treated as being in the open air. |
| Legal liability | Up to $30 million for incidents in Australia. | Check the policy wording for the scope, exclusions and conditions of liability cover. |
| Jewellery, artwork and collections | Per-item and combined limits apply; the summary does not give all applicable sublimits. | Look up the relevant limits in the wording and ask whether items need to be specified or separately insured. |
| Temporary accommodation, emergency storage, locks and keys | Listed as not covered for temporary accommodation, emergency storage, and replacement locks and keys after a break-in. | Consider whether these costs matter to you and verify the current wording. |
How claims and settlement are described
CHOICE says the insurer may repair, replace or pay replacement value, up to the sum insured or the applicable sublimit. The listing describes online claims and a 24/7 phone claims channel. The summary does not establish how a specific claim will be settled; the policy wording and the circumstances of the loss control that decision.
Conditions renters should check before buying
Choose a realistic contents sum insured
The policy is sum-insured cover. Estimate the cost to replace the belongings you want insured, rather than relying on what you paid for them or assuming the policy automatically covers every possession at any value. Check that the selected sum insured and any item-specific limits fit your needs.
Rank #2
- 5-in-1 USB-C Hub: Experience comprehensive connectivity featuring a Power Delivery input, two USB-A 2.0 ports, a USB-A 3.0 port, and an HDMI port. (Note: The USB-C power delivery input port is only for connecting an external wall charger to power your laptop and cannot power peripheral devices.)
- 90W Pass-Through Charging: Achieve optimal charging with 90W pass-through power to your laptop, supported by a total input of 100W, with the hub reserving 10W for operational efficiency. (Note: Wall charger not included.)
- Quick Data Transfers: Accelerate your productivity with rapid data transfers using a high-speed 5Gbps USB 3.0 port and two 480Mbps USB 2.0 ports.
- 4K HDMI Display: Enhance your visual experience with a hub capable of delivering 4K resolution at 30Hz in both mirror and extend modes. Please note that this hub is compatible with MacBook (macOS 12 and newer), Windows 10 and 11, ChromeOS, and laptops equipped with DP Alt Mode and Power Delivery. Note: This device is not compatible with Linux.
- What You Get: Anker USB-C Hub (5-in-1, 4K HDMI), welcome guide, 18-month warranty, and our friendly customer service.
Review excesses and valuables limits
CHOICE’s summary does not establish the excess for your quote or provide every valuables sublimit. Check the quote, schedule and wording together, especially for jewellery, art, collections and expensive individual items.
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Tell the insurer about extended absences
The listing says the policyholder must inform the insurer if the home will be unoccupied for more than 100 days, subject to listed exceptions for certain natural events. Check the precise notification requirement and exceptions in the current policy documents before a long absence.
Rank #3
- Sleek 7-in-1 USB-C Hub: Features an HDMI port, two USB-A 3.0 ports, and a USB-C data port, each providing 5Gbps transfer speeds. It also includes a USB-C PD input port for charging up to 100W and dual SD and TF card slots, all in a compact design.
- Flawless 4K@60Hz Video with HDMI: Delivers exceptional clarity and smoothness with its 4K@60Hz HDMI port, making it ideal for high-definition presentations and entertainment. (Note: Only the HDMI port supports video projection; the USB-C port is for data transfer only.)
- Double Up on Efficiency: The two USB-A 3.0 ports and a USB-C port support a fast 5Gbps data rate, significantly boosting your transfer speeds and improving productivity.
- Fast and Reliable 85W Charging: Offers high-capacity, speedy charging for laptops up to 85W, so you spend less time tethered to an outlet and more time being productive.
- What You Get: Anker USB-C Hub (7-in-1), welcome guide, 18-month warranty, and our friendly customer service.
Check exclusions against your living situation
For renters, details such as shared spaces, belongings kept outside, and who has access to the home can affect how exclusions apply. Read the theft and open-air provisions rather than assuming that a covered event automatically means every location or circumstance is included.
Is Bupa Ultimate the same as Huddle Black?
CHOICE describes Bupa Ultimate (renters) as identical in cover to Huddle Black in its 2026 comparison. That statement concerns cover as described by CHOICE; it does not establish identical premiums, excesses for individual quotes, or all policy conditions in a buyer’s documents. Compare the actual policy wording and quote details rather than treating the names as interchangeable.
Rank #4
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- Next-Level 10Gbps & 3A Charging: No more slow 480Mbps, this usb to usb c adapter has a transfer speed of up to 10Gbps, allowing you to do more transferring in less time. This usb adapter fits both USB A and USB C charger, supporting up to 3A fast charging
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- Broad Compatible: The usb c to usb adapter widely supports all USB C/ USB A devices like laptops, tablets, cellphones, car chargers, and phone chargers. Such as compatible with MacBook Pro/Air 2023/2022, Thunderbolt 4/3 Devices,Apple MagSafe Watch 9/8/7/SE/Ultra, iPad Pro 2022/2021, Samsung Galaxy S23/S20/S10, and iPhone 17/16/15 Pro. Plug and play
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How to decide whether it is good value
CHOICE says it scored the policy on cover only because the insurer did not share price data. The listing therefore does not support a premium estimate or a general claim that the policy is good or poor value.
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- Get a current quote using your address and the sum insured you actually need.
- Compare it with other current quotes using the same address, sum insured, excess and treatment of specified valuables.
- Compare the material terms: accidental damage, insured events and exclusions, valuables and outdoor-item limits, unoccupancy conditions, liability cover and settlement options.
- Read the quote, schedule, certificate and policy wording for special conditions and any limits that affect your belongings.
A lower premium is not a like-for-like saving if the excess is higher or a relevant item, event or expense is excluded. Likewise, a broad cover summary alone is not enough to establish value without the price and terms offered to you.
Quick Recap
Best Value
- 5-in-1 Connectivity: Equipped with a 4K HDMI port, a 5 Gbps USB-C data port, two 5 Gbps USB-A ports, and a USB C 100W PD-IN port. Note: The USB C 100W PD-IN port supports only charging and does not support data transfer devices such as headphones or speakers.
- Powerful Pass-Through Charging: Supports up to 85W pass-through charging so you can power up your laptop while you use the hub. Note: Pass-through charging requires a charger (not included). Note: To achieve full power for iPad, we recommend using a 45W wall charger.
- Transfer Files in Seconds: Move files to and from your laptop at speeds of up to 5 Gbps via the USB-C and USB-A data ports. Note: The USB C 5Gbps Data port does not support video output.
- HD Display: Connect to the HDMI port to stream or mirror content to an external monitor in resolutions of up to 4K@30Hz. Note: The USB-C ports do not support video output.
- What You Get: Anker 332 USB-C Hub (5-in-1), welcome guide, our worry-free 18-month warranty, and friendly customer service.
What to verify in your policy documents
- The legal insurer and the exact policy version applicable to your quote.
- Your contents sum insured, excess and any special conditions.
- Limits and exclusions for valuables, collections and belongings in the open air.
- Definitions of flood, storm surge, tsunami, theft and accidental damage.
- Any requirements for extended periods when the home is unoccupied.
- Claim settlement options and the current claims contact channels.
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.
