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Bank of us Contents Plus is a renters’ contents insurance option with accidental-damage and motor-burnout cover included, plus up to two years of temporary accommodation after a covered event makes a rental home unliveable. Those features do not establish the full scope of cover or whether the policy suits your belongings: check the current Product Disclosure Statement (PDS), quote and Certificate of Insurance for definitions, exclusions, excesses and price.
What this review covers
This is a review of the renters’ contents option described on Bank of us’s product page, not a report of a quote, policy purchase or claim. Bank of us distributes the insurance under its own Australian Financial Services Licence and an agreement with Insurance Australia Limited (AFSL 227681); the policy is issued under the CGU brand. The Bank of us disclosure index lists CGU Product Disclosure Documents and Target Market Determinations dated 20 May 2025. That date identifies the listed documents, but does not prove they govern a later quote. Check the documents supplied with your quote. Bank of us Home and Contents Insurance · Bank of us disclosure documents
Bank of us describes its website information as general advice that does not account for an individual’s objectives, financial situation or needs. Its product page directs customers to the PDS for full terms, conditions, limits and exclusions. The feature descriptions below are therefore a useful starting point, not a substitute for those documents.
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Contents insurance is for belongings, not a promise to insure the rental property’s building or the landlord’s property. A tenant should assess the items they own and check the policy wording’s definition of insured contents rather than assume every item in the home qualifies.
#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.
- Aluminum Alloy Housing: Built with a sturdy aluminum alloy shell that aids in heat dissipation and protects against daily wear and scratches. Designed to maintain a stable and secure connection.
- Compact & Travel-Friendly: The ultra-compact design allows the adapter to stay plugged into your device without blocking adjacent ports or adding bulk, reducing wear and tear on your original USB ports.
- 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.
The product page lists insured-event categories including fire, theft, flood or rainwater run-off, storm, escape of water or liquid, and earthquake. A listed event name does not mean every loss connected with it is covered: definitions, exclusions and conditions in the current PDS determine how cover applies.
What Contents Plus adds or specifies
Bank of us says accidental damage and motor burnout are automatically included with Contents Plus and optional with standard contents cover. The page also gives several benefit limits and conditions. The figures below are the product-page descriptions, not evidence of claim outcomes or a comparison of market value.
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.
| Feature | What Bank of us’s page says | What to confirm in current documents |
|---|---|---|
| Accidental damage | Automatically included with Plus; optional with standard contents. | Definition, exclusions, any sub-limits and the applicable excess. |
| Motor burnout | Automatically included with Plus; optional with standard contents. The page says motors may be covered up to 15 years after manufacture if they are not under warranty or used in a business. | Eligibility for the particular appliance, exclusions, and how the age and warranty conditions apply. |
| Temporary accommodation for tenants | Reasonable extra rent costs if a covered event makes the home unliveable. Plus is stated as two years, compared with 12 months for standard contents cover. | Applicable monetary limit, duration rules, required documents and how “reasonable” costs are assessed. |
| Food spoilage | Up to $2,000 with Plus, compared with up to $500 with standard contents cover. The page says no excess applies to food spoilage. | Which event must cause the spoilage, other conditions, and any limits for prescription medicines. |
| Portable contents | Optional cover for loss, theft and accidental damage away from home. The stated limit is up to $10,000 per item unless an item is separately listed for more. | Whether the option is selected, item-listing requirements, territory, excess and excluded activities or item classes. |
| Specified valuables | An optional increase for specified valuables, with art, jewellery and collectables given as examples. | Whether each item must be listed, category caps, proof requirements and excess. |
Temporary accommodation: an important renters’ benefit
If a covered event makes the rental unliveable, Bank of us says the tenant’s contents cover can pay reasonable extra rent costs. Its product page states that Contents Plus provides two years’ temporary accommodation, versus 12 months for standard contents cover. This is a stated duration, not an unconditional promise to pay every housing cost for that period; the policy’s limits, conditions and documentation requirements still apply.
Does portable cover protect belongings outside the home?
Portable contents is optional, so do not assume belongings are covered away from the insured address unless the option appears in your quote and Certificate of Insurance. The product page describes cover for loss, theft and accidental damage away from home, generally capped at $10,000 per item unless separately listed for a higher amount.
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.
The page also flags restrictions, including scratches and dents, items being cleaned or repaired, some sporting or work-use items, and limits for travel beyond Australia or New Zealand. These examples are not the complete rules. Check the current PDS for the item, activity and location relevant to you.
How to judge whether Plus suits your needs
- Make a realistic belongings inventory. Estimate the replacement value of the contents you own and compare it with the sum insured in the quote. Do not treat a building-and-contents calculator answer as a confirmed contents-only rule: Bank of us says its calculator is a guide and that CGU pays only the fair and reasonable amount repairs should cost.
- Identify items that need separate attention. Check whether valuable belongings need specified cover and whether you need portable protection for items taken outside the home. Compare the additional cost and conditions shown in your actual quote.
- Compare Plus with standard contents cover. Focus on the inclusion of accidental damage and motor burnout, the stated temporary-accommodation duration and food-spoilage limit, then decide whether those differences matter for your circumstances.
- Read the quote documents together. Confirm the selected options, sum insured, premium, excess, payment frequency, insured events, definitions, exclusions and claims conditions in the PDS, quote and Certificate of Insurance. The product page says payment can be fortnightly, monthly or quarterly at no extra cost; that does not show whether the total premium is competitive.
Price, excess and claims service
There is no single premium established by the product page. Your price requires a quote based on details such as the applicant, address, sum insured, selected options and payment choice. Likewise, the marketing page does not provide a complete excess schedule or clause-by-clause exclusions. It warns that excesses may apply and points customers to the Certificate of Insurance. Do not infer that Plus is cheap or good value without comparing your own quote and cover details.
Rank #4
- Dual Converters, Infinite Potential：Includes 2× USB C male to USB A female adapters and 2× USB A male to USB C female adapters. Perfect for a wide range of uses—tablets with Bluetooth keyboards, expand USB ports on macbook, and more. Two different converters for all your daily needs
- 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
- Upgraded Exquisite Craftsmanship: With an aluminum alloy housing and metal connector, the usbc to usb adapter is extremely durable and sturdy. Rigorously tested to withstand more than 10,000 times of plugging and unplugging, ensuring long-lasting performance
- 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
- Please Note: To reach 10Gbps speed, keep the cable under 3.3 ft. For USB A Male to USB C adapters, try flipping the USB C connector. USB C Male to USB A adapters support bidirectional 10Gbps transfer within 3.3 ft
Bank of us’s page lists CGU’s claims team as available by phone at 13 24 80, 24 hours a day, seven days a week. This service detail does not establish claim approval rates, response times or customer satisfaction.
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Verdict
Bank of us Contents Plus has renter-relevant features on its product page: accidental damage and motor burnout are included, and temporary accommodation is stated as two years rather than 12 months for standard contents cover. Whether those features justify the premium depends on your quote, needs and the binding terms in the current PDS and Certificate of Insurance. Treat the page’s limits as a shortlist of details to verify, not as a complete account of what a claim will pay.
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.
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.
