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If I make a building and contents claim will I have to pay two excesses?

See all Home insurance FAQs

Last updated 06 December 2016

What is my excess?

An excess is an amount you must contribute when we agree to pay a claim. You cannot claim for an amount which is less than your applicable excess. All excess amounts that apply to your policy are stated on your Certificate of Insurance.

How does the excess apply?

When making either a building or contents claim, the corresponding excess for each coverage type will apply (as stated on your Certificate of Insurance).

When making a claim for both building and contents, and the loss results from the same Insured Event, you’ll only need to pay one excess. Where the excess amount is different, only the higher excess will apply.

The only exception is if you’re making a claim for Portable Contents items, in which case the Portable Contents excess will also apply (as stated on your Certificate of Insurance).

Where can I find more information?

For more details on the excess, and how it is applied, please see your relevant Product Disclosure Statement.

If you can’t find your Certificate of Insurance, you can also view your details on NetBank, send us an Online Enquiry, or call us on 13 2423 between 8am and 8pm Monday to Friday, or 8am and 5pm Saturday, Sydney/Melbourne time.


Important information: Home Insurance is provided by Commonwealth Insurance Limited ABN 96 067 524 216 AFSL 235030 (CIL). CommInsure is a registered business name of CIL. CIL is a wholly owned non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124 (The Bank). The Bank does not guarantee the obligations or performance of CIL or the products it offers. This information is provided by CIL and where we refer to ‘we’, 'us' and ‘our’, we mean CIL. You can download a Product Disclosure Statement (PDS) and Financial Services Guide (FSG) or call us on 13 2423 for a paper copy.

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