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People First Bank’s Home Contents Plus is contents insurance issued by Insurance Australia Limited under the CGU brand and distributed by People First Bank. For renters, its advertised advantages include accidental damage and electric motor burnout cover, plus up to two years of temporary accommodation. Whether those benefits apply to a particular renter’s claim—and on what terms—depends on the current policy documents and the customer’s certificate, selected options and excess.
What People First Bank Contents Plus covers
Contents insurance is intended to protect belongings such as furniture, jewellery, televisions, laptops, carpets and curtains—not the building a renter does not own. People First Bank lists cover for a range of event categories, including fire, flood or rainwater run-off, storm, theft, escape of water or liquid, accidental breakage of glass, impact, lightning, earthquake and liability. A category on the summary page does not mean every item or circumstance is covered; the applicable Product Disclosure Statement (PDS), any Supplementary PDS and the certificate set the actual terms, limits and exclusions.
People First Bank says Contents Plus automatically includes accidental damage at home and electric motor burnout. Its comparison with Contents Standard also advertises higher limits on some inclusions, including food spoilage. These are headline product features, not a substitute for checking how the policy defines a covered loss.
How Plus differs from Standard
| Feature | Contents Plus | Contents Standard |
|---|---|---|
| Temporary accommodation | Advertised by People First Bank as up to two years; eligibility, calculation and conditions depend on the policy wording. | Advertised by People First Bank as up to 12 months; eligibility, calculation and conditions depend on the policy wording. |
| Accidental damage at home | Advertised as automatically included. | Not stated as automatically included on the bank’s comparison page. |
| Electric motor burnout | Advertised as automatically included. | Not stated as automatically included on the bank’s comparison page. |
| Food spoilage maximum | People First Bank lists a maximum payment of $2,000, subject to policy circumstances and terms. | People First Bank lists a maximum payment of $500, subject to policy circumstances and terms. |
People First Bank says food spoilage has no excess, but the circumstances and wording still matter. Check the current PDS and certificate for the applicable limits and claim requirements before relying on any of these figures.
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What renters should check about temporary accommodation
The bank advertises temporary accommodation for Contents Plus, but its summary describes living in “your home” and does not clearly establish how the benefit works for every tenant. A separate CGU-branded summary from Bank First discusses reasonable extra rent costs for tenants with contents insurance, but that is another distributor’s summary—not the controlling wording for a People First Bank policy. Do not assume the tenant benefit, duration, payment cap, approval process or treatment of other accommodation is the same.
Before buying or making a claim, check the current People First Bank PDS and your certificate for whether renters qualify, what counts as additional rent or accommodation cost, how long payments can continue, any cap or approval requirement, and whether other accommodation support affects payment.
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Portable belongings, valuables and headline limits
People First Bank lists portable contents away from home and valuable contents inside the home as optional cover. Its summary advertises portable cover for loss, theft and accidental damage, up to $10,000 per item unless an item is separately listed. That headline limit is subject to the policy’s item definitions, exclusions and geographic terms; check the current wording, particularly for items outside Australia or New Zealand.
The bank’s summary identifies limitations involving scratches and dents, items being cleaned or repaired, and specified sporting, fishing, drone, musical-instrument and firearm use. Confirm the exact scope and wording of these limitations in the policy version that applies to you. For valuable items, check whether they need to be separately listed, whether an optional cover selection is required, and what evidence or valuation the insurer requires.
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Is Contents Plus worth considering as a renter?
It may be worth considering if you want the features People First Bank advertises—especially accidental damage and motor burnout included as standard in Plus, or the longer headline temporary-accommodation period—provided the cover and premium suit your circumstances. The available product information does not establish a quote price or support a claim that Plus is cheaper or better than other policies. Compare the premium and selected excess against the belongings and benefits you actually need, using the policy documents rather than headline features alone.
- Estimate the replacement value of all belongings, not just the most expensive items. People First Bank links to a contents calculator to help estimate the amount of cover.
- Check whether jewellery, electronics and other valuables need to be listed or covered through an optional selection.
- Decide whether belongings need protection away from home, and confirm the relevant item limits and geography.
- Read the selected excess, any unoccupied-home conditions and the policy schedule on your certificate.
- Confirm the tenant-specific temporary-accommodation terms in the current PDS and certificate.
Who issues the policy, and where to check documents
People First Bank says it distributes the insurance under its own Australian financial services licence and an agreement with Insurance Australia Limited, which issues the policy under the CGU brand. The bank says cover is subject to CGU underwriting rules and acceptance guidelines; excesses and exclusion periods may apply. Start with People First Bank’s contents insurance page and its home insurance information for current product information and policy documents. Check the PDS, any Supplementary PDS and your certificate for the version, options and limits that apply to your cover.
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People First Bank’s pages state that online claims are available for policies first purchased after 16 June 2025 or renewed after 9 August 2025; online policy-management functions also depend on purchase or renewal dates. Check the current eligibility details on the bank’s site. CGU’s claims team is listed as available 24/7 on 13 24 80.
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