Bupa Ultimate (renters) is an Australian contents insurance policy, not a Bupa health plan. CHOICE identifies The Hollard Insurance Company Pty Ltd as the provider and describes its cover as identical to Huddle Black. That describes the cover, not the price: CHOICE says it does not have price data for this policy, so whether it is good value depends on your quote and the details of your cover.
What Bupa Ultimate (renters) is
This is sum-insured contents insurance for renters in Australia. You choose a contents sum insured, and the policy covers eligible belongings subject to the policy wording, limits, exclusions and excess shown in your documents. CHOICE’s 2026 comparison says the cover is identical to Huddle Black; it does not establish that the policies have the same premium.
As an Amazon Associate I earn from qualifying purchases.
CHOICE’s product summary identifies The Hollard Insurance Company Pty Ltd as the provider. Check the insurer, policyholder details and cover on your own quote, schedule and certificate before buying.
What the policy summary says is covered
CHOICE lists accidental damage and major insured events including fire, theft, storm, impact and flood. Those categories do not mean every loss is covered: definitions, exclusions, waiting periods and sublimits in the current policy documents determine whether a particular claim qualifies.
#1 Best Overall
Accidental damage and theft
Accidental loss or damage to contents is included by default in the listing. An example exclusion is chipping, denting or scratching that occurs through ordinary use. Theft and attempted theft are also listed, subject to exclusions. The summary gives theft by residents, theft from common property and some thefts from the open air as examples of situations that may not be covered.
Fire, bushfire, storm and flood
Fire and bushfire are listed as covered, with a 72-hour waiting period for bushfire and up to $750 for fire brigade charges, according to CHOICE’s product summary. Flood is listed as covered, but storm surge and action of the sea are not; tsunami is listed as covered. Confirm how the policy wording defines these events and whether any conditions apply to your circumstances.
Liability and belongings outside
The summary reports legal liability cover up to $30 million for incidents in Australia. Contents in the open air are capped at $8,000 overall and $2,000 per item, with an exception in the listing for barbecues and garden furniture. These are reported policy limits, not a promise that every item or incident will qualify; check the wording for definitions and exclusions.
Do these 3 things before closing this tab:
1Fix the driver behind crashes, sound loss and screen glitches2Repair Windows errors before they cause bigger problems3Scan for outdated or missing drivers - takes under a minuteLimits and exclusions renters should check closely
CHOICE lists several benefits as not covered: temporary accommodation, emergency storage, and replacement locks and keys after a break-in. If any of these would matter to you, confirm the position in the current policy wording rather than assuming they are included in a renters policy.
Jewellery, artworks and collections are subject to per-item and combined limits. The applicable sublimits are not specified in the summary, so use the policy wording and your quote documents to check whether valuable items need to be specified and whether the limits fit their value.
The product listing says the insurer must be told if the home will be unoccupied for more than 100 days, with exceptions listed for certain natural events. Check the exact notification requirement and exceptions in the policy documents, especially if you expect to travel or leave the property empty.
How claims and settlement are described
CHOICE says the insurer may repair or replace contents, or pay replacement value, up to the sum insured or the relevant sublimits. The summary also lists online claims and a 24/7 phone claims channel. The policy wording governs the settlement method and claim outcome, so review it for requirements such as proof of ownership, repair options, excesses and exclusions.
The Tool Desk
Outbyte PC Repair FREERepair Windows errors before they cause bigger problemsFix Now →Outbyte Driver Updater FREEScan for outdated or missing drivers - takes under a minuteDriver Scan →Is Bupa Ultimate (renters) good value?
The available CHOICE listing does not provide a premium; it says the policy was scored on cover only because the insurer does not share price data. There is therefore no evidence-based price estimate or basis to call it good or poor value for a particular renter.
Compare current quotes using the same address, contents sum insured and excess. Then compare accidental-damage cover, insured events and exclusions, valuables and open-air limits, unoccupancy conditions, liability limit and claims settlement options. A match on listed cover with another policy does not establish a match on premium or on every detail in the documents.
What to check before you buy
- Confirm the policy is renters contents insurance for your Australian address and check the named insurer on the quote and certificate.
- Choose a contents sum insured that reflects the belongings you want covered; verify how the policy treats high-value items.
- Read the current policy wording for the excess, accidental-damage exclusions, insured-event definitions and applicable valuables sublimits.
- Check the open-air limits, unoccupancy notification requirement, liability cover and any conditions relevant to your home.
- Compare the final premium with quotes for equivalent cover and excess, rather than relying on the stated relationship to Huddle Black.
CHOICE’s product summary and comparison are useful starting points, but the current policy wording, quote, schedule and certificate set the terms that apply to you: Bupa Ultimate (renters) review and The Best Contents Insurance Policies 2026.
Quick Recap
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.
