Compare People's Choice Home Insurance

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Guide to the People's Choice Home Insurance

People's Choice Home Insurance is an Australian based insurance company and like the Post Office, is a trusted name in the insurance industry. They have a wide array of products and services that cater to the diverse needs of homeowners, landlords, and tenants alike. The Company has a vast network of branches that ensures online accessibility and convenience for its customers and is recognised for its excellence in service delivery. 

With competitive offerings such as landlord insurance and comprehensive home insurance packages, People's Choice stands as a reliable option alongside other industry players like John Lewis Landlord insurance and Tesco. Their dedication to excellence is reflected in their Defaqto five-star ratings, ensuring customers receive top-notch coverage and peace of mind.

What Home insurance polices are available with the People's Choice?

People's Choice Home Insurance offers three primary categories of cover:

  • Buildings Only Insurance
  • Contents Only Insurance
  • Combined insurance Buildings and Contents
Policy TypeBuildings maximum sum insuredContents maximum sum insuredAdditional accidental damage
Silver Buildings CoverUp to £1 millionNot applicableNot applicable
Not included. Available as an optional add-on to your policy
Gold Buildings CoverUp to £1 millionNot applicableIncluded
Silver Contents CoverNot applicableUp to £80,000Not included
Not included. Available as an optional add-on to your policy
Gold Contents CoverNot applicableUp to £100,000Included

What types of home insurance cover does the People's Choice offer?

People's Choice Home Insurance provides two major cover levels along with optional enhanced cover:

1. Silver

This policy offers coverage for buildings and contents against risks like fire, theft, storm, and water leakage. Additional covers include protection for belongings outside the residence, accidental damage, home emergencies, and legal disputes.

2. Gold

A comprehensive cover level providing unlimited alternative accommodation and coverage for matching sets.

3. Enhanced Cover

For an additional fee, you can opt for legal protection and home emergency cover to get additional peace of mind.

What is included in a People's Choice Home Insurance Policy?

Each policy can be tailored to individual needs and priorities, with detailed information available in the Policy booklet. Customers also benefit from a complimentary legal helpline service for guidance on various matters.

Did you know? Standard home insurance may not provide cover if a property left empty for 30 consecutive days!

Each provider of home insurance will have conditions attached to how long the property can be left empty and still be insured.  For many, it comes as a nasty shock when they realise this.  Check with your home insurance provider, as you may need to take out short term house insurance if your property will be left empty for a prolonged period of time.

Who underwrites People's Choice insurance?

People's Choice Home Insurance is underwritten by Insurance Australia Limited, a reputable provider that ensures reliable coverage, and People's Choice Credit Union. Insurance Australia Limited trades as CGU Insurance (CGU).

  • CGU acts as the insurer, assesses the risk of insuring your home, and sets the premium amount based on various factors. They are also responsible for processing and settling any valid claims made under the People's Choice Home Insurance policy.
  • People's Choice Credit Union acts as a middleman, handles initial inquiries, and provides basic information about the insurance product. It might also promote the insurance and assist with the application process.

How Home insurance is calculated and how to save money on the cost of cover

Some factors influence home insurance costs, such as location, security measures, claims history, and payment method.

  • Location: Being situated in an area that is prone to floods or other natural disasters. Places with a significantly high crime rate will lead to a high premium.
  • Security measures: Having a monitoring alarm system, security cameras, and smoke detectors can be seen as favourable to insurers and lead to lower costs.
  • Claims history: Filing previous claims, especially multiple ones, can indicate a higher risk. However, having a history of no claims can demonstrate responsible homeownership and might lead to discounts.
  • Payment method: Some insurers might offer a discount for paying the entire premium upfront rather than splitting it into instalments. 

Compare Home Insurance and Landlord Insurance

When searching for the best deal on home or landlord insurance, consider comparing offerings from various providers, including Swinton Home Insurance Company, Total Landlord Insurance, Aro, Simply Business, and CIA Insurance Services.

How do I get in touch with the People's Choice Insurance Services?

People's Choice Insurance Contact Details

Phone : +61 8 8305 8305. Customer support is available Monday to Friday from 8 am–8 pm and Saturday from 8:30 am–4:30 pm.

*51% of consumers could save £165.27 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next
seven cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023. The savings you
could achieve are dependent on your individual circumstances.

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