MOVE Bank Home Buildings and Contents Plus combines cover for a home’s structure and belongings. Its April 2025 summary highlights temporary accommodation benefits under the Plus level, but the exact cover, exclusions and eligibility depend on the current policy documents and your Certificate of Insurance.
What is MOVE Bank Home Buildings and Contents Plus?
It is a combined home insurance option, not a physical product. Buildings insurance is intended to cover the home structure; contents insurance applies to belongings such as furniture, electronics, appliances and valuables. MOVE Bank’s April 2025 article says the combined policy brings both together to help protect the home and its contents, in promotional language. MOVE Bank’s product information directs readers to the policy documents for the operative terms.
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MOVE Bank’s summary names storms, floods, fire, vandalism, theft and extreme weather as examples of events associated with cover. That list is not enough to establish that a particular loss is insured: definitions, conditions, exclusions, excesses and any exclusion periods in the applicable policy wording determine whether a claim is covered.
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What does the Plus level add?
MOVE Bank’s April 2025 summary describes temporary accommodation benefits for Home Buildings Plus. For an owner-occupier, it says reasonable temporary accommodation costs may be paid for up to two years, or until the home is repaired or replaced, whichever happens first. It gives a maximum of 20% of the buildings sum insured. These are stated limits, not a guarantee that all accommodation costs will be paid.
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The summary says the insurer must be satisfied the home is unliveable and agree to the cost before the insured makes arrangements. For renters, it describes reasonable extra rent costs; for an owner living in the insured home, it describes reasonable temporary accommodation costs. The applicable wording and the Certificate of Insurance determine the terms and any limits.
Who distributes and issues the insurance?
MOVE Bank says it distributes the insurance under an agreement with Insurance Australia Limited, which issues it under the CGU brand. MOVE Bank identifies CGU as its insurance partner. Its product material says the information and advice are general in nature rather than tailored to an individual’s objectives, financial situation or needs, and points readers to the Product Disclosure Statement (PDS) and Target Market Determination (TMD).
What should you check before requesting a quote?
Use the current documents for the specific cover being quoted. A PDS surfaced on MOVE Bank’s website contains detailed terms, but its title and terminology do not establish that it is the current PDS for the refreshed Home Buildings and Contents Plus product. Do not assume its individual limits or exclusions apply unless MOVE Bank or the insurer confirms it is current for your quote.
- Check the current PDS and TMD, and confirm that they relate to Home Buildings and Contents Plus.
- Read your Certificate of Insurance for the selected cover, sums insured, excesses and any options or endorsements.
- Check the policy definitions, conditions, exclusions and any exclusion periods for the events and belongings that matter to you. In particular, do not rely on the word “flood” in a summary without checking the applicable definition and conditions.
- Confirm how the policy treats your circumstances, including whether you are an owner-occupier or renter and what property or belongings are insured.
- For the temporary accommodation benefit, check the approval process, eligible costs, cap and duration in the current wording before making arrangements.
What this review can—and cannot—establish
The available official summary identifies the broad purpose of combined buildings and contents cover and gives a dated account of the Plus temporary accommodation benefit. It does not establish a premium, whether this cover is cheaper or better than another policy, customer satisfaction, claims acceptance rates or claims speed. A meaningful price comparison would require current quotes for the same location, property details, sums insured and excess, alongside comparable policy wording.
This is therefore a review of the published product information, not a personal product test or an assessment of claims performance. Treat the April 2025 accommodation figures as a guide to what MOVE Bank described at that time, and verify the current contract terms before deciding.
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