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Bank First’s public description says Contents Standard can cover household contents, but it does not settle which items in a strata apartment count as contents rather than building property. It also says accidental-damage cover is optional on Standard, not automatic. Before deciding, check the current policy documents and your strata records against the items and situations you need covered.
What Bank First says Contents Standard includes
Bank First lists Contents Standard as a contents option. Its public webpage describes general contents as items kept in and around the home that are not permanently attached to the structure. That summary is not a complete policy definition: the current Product Disclosure Statement (PDS) and your Certificate of Insurance set the detailed terms and policy-specific excesses.
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The page says accidental-damage cover can be added to Contents Standard as an optional benefit; Contents Plus includes it automatically. Confirm the selected option and any applicable terms in the policy documents rather than assuming Standard includes accidental damage.
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Does contents insurance cover my strata apartment?
Contents cover is not the same as insurance for the strata building. Bank First’s webpage describes contents by reference to items that are not permanently attached to the structure, but that broad description does not resolve the boundary for a particular apartment. Fixtures, fittings, improvements or other disputed items may depend on the policy wording and the strata scheme’s records.
Compare the current PDS with the strata insurance documents, by-laws and other records that describe what the scheme insures. For any item whose status is unclear, ask the insurer or strata manager to clarify which policy is intended to cover it. Do not assume that owning the unit makes every item inside it contents, or that strata insurance necessarily covers everything attached to it.
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Portable items, storage and temporary accommodation
Portable contents
Portable contents is optional. Bank First says the public-page limit is $10,000 per item unless the item is separately listed for more. It also notes that other limits apply outside Australia or New Zealand. The page identifies restrictions including scratches and dents, items being cleaned or repaired, and some sporting or other equipment while in use. Review the PDS for the actual covered events, exclusions and geographic limits before relying on cover away from home.
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Bank First says general contents in storage may be covered if you notify CGU before moving the items and CGU accepts them under its criteria. The public description says valuable contents are not covered in storage, and directs readers to the PDS for further storage exclusions. If a move or renovation involves storage, check the applicable conditions before the items leave the home.
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Temporary accommodation
For contents insurance, Bank First says CGU covers reasonable temporary-accommodation costs when the owner lives in a home that is part of a strata or similar scheme. The webpage also warns that limits, exclusions and conditions apply. Check the PDS for the triggering circumstances, duration, amount and other requirements; the summary does not provide those details.
Documents and checks before choosing cover
Bank First’s disclosure page lists the Home Insurance PDS, Premium, Excess & Discounts Guide, Key Facts Sheet Home Contents and Target Market Determination (TMD), and advises customers to consider the relevant PDS. Use the documents applicable to the policy you are considering and compare them with your strata records.
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- Confirm the contents definition and the boundary between contents and strata building property for the items in your apartment.
- Check whether accidental damage is selected, and read the events, exclusions and conditions that apply.
- Review the contents sum insured and the treatment of valuable categories, including whether additional cover or separate listing is needed.
- For portable items, check the per-item limit, overseas limits and restrictions on use, damage, cleaning or repair.
- If contents will be stored, confirm notification and acceptance requirements before moving them.
- Read the temporary-accommodation terms, excesses, claim conditions and exclusions in the current policy documents.
- Obtain a current quote if price matters; the public material cited here does not establish a premium.
Bank First says policies issued before 27 May 2025 require contacting CGU for the relevant documents. The exact current PDS version and effective date are not established by the public summary, so verify that the documents you receive apply to the policy being offered.
Who provides the insurance?
Bank First says Insurance Australia Limited issues the insurance under the CGU brand. Bank First arranges the insurance under an agreement with CGU, not as the customer’s agent, and receives commission when selling it. It also says its information is general advice and does not take a customer’s objectives, financial situation or needs into account. Consider the PDS and your circumstances before acquiring the product.
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