{
 "dataset": "Australian building insurance",
 "source": "Each brand's and insurer's own Product Disclosure Statement, Key Facts Sheet, Target Market Determination and product pages (policies, cover, underwriter); APRA's list of registered general insurers (authorisation); ASIC's Australian Financial Services Licensee register on data.gov.au (licence, ABN)",
 "licence_note": "APRA authorisation is from APRA's list of registered general insurers, published under the Creative Commons Attribution 4.0 International licence (© Australian Prudential Regulation Authority). Licence fields are from ASIC's AFS Licensee dataset on data.gov.au, published under the Creative Commons Attribution 3.0 Australia licence. Policies, their cover and their underwriters are facts read from each brand's and insurer's own published documents, and every one carries the URL and the sentence it was read from. Policies change, and the document that applies to a policy is the one issued with it. This is reference data, not advice about which policy to buy.",
 "brand": {
  "slug": "bendigo-bank",
  "name": "Bendigo Bank",
  "website": "https://www.bendigobank.com.au/",
  "kind": "brand",
  "underwriter": "Insurance Australia Limited",
  "underwriter_abn": "11000016722",
  "underwriter_afsl": "227681",
  "lloyds": false,
  "distributor": {
   "name": "Bendigo and Adelaide Bank Limited",
   "abn": "11068049178",
   "afsl": "237879",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "Bendigo Bank Home Insurance (building cover)",
    "type": "home_building",
    "segment": "residential",
    "channel": null,
    "online_quote": null,
    "cover_basis": "choice",
    "buffer_percent": 25,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [
     "Building Standard",
     "Building Plus"
    ],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Home Insurance Product Disclosure Statement and Policy Booklet",
      "url": "https://www.cgu.com.au/documents/bendigobank/home/pds",
      "date": "2025-02-24"
     },
     {
      "title": "Key Facts Sheet - Home Building",
      "url": "https://www.cgu.com.au/documents/cgu-partners/home-building/kfs",
      "date": "2026-08-10"
     }
    ],
    "quotes": {
     "product": {
      "text": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand",
      "url": "https://www.cgu.com.au/documents/bendigobank/home/pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand",
       "url": "https://www.cgu.com.au/documents/bendigobank/home/pds#page=2",
       "page": 2,
       "document_sha256": "0325e52313f6f136f4993970aefae0968864b49f74d9bf460f4d769d7b36d624",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.",
      "url": "https://www.cgu.com.au/documents/bendigobank/home/pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.",
       "url": "https://www.cgu.com.au/documents/bendigobank/home/pds#page=22",
       "page": 22,
       "document_sha256": "0325e52313f6f136f4993970aefae0968864b49f74d9bf460f4d769d7b36d624",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Covered as Flood or Rainwater Run-off.",
      "url": "https://www.cgu.com.au/documents/cgu-partners/home-building/kfs",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Covered as Flood or Rainwater Run-off.",
       "url": "https://www.cgu.com.au/documents/cgu-partners/home-building/kfs#page=1",
       "page": 1,
       "document_sha256": "48ddf90ed3ae6f5da76eeb2b587b36030603d48a5bc5762e6cf990225dc4e35f",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Cover Building Plus Contents Plus Building Standard Contents Standard Accidental damage – at Your Home Optional Optional",
      "url": "https://www.cgu.com.au/documents/bendigobank/home/pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Cover Building Plus Contents Plus Building Standard Contents Standard Accidental damage – at Your Home Optional Optional",
       "url": "https://www.cgu.com.au/documents/bendigobank/home/pds#page=5",
       "page": 5,
       "document_sha256": "0325e52313f6f136f4993970aefae0968864b49f74d9bf460f4d769d7b36d624",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Your Home being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:",
      "url": "https://www.cgu.com.au/documents/bendigobank/home/pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Your Home being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:",
       "url": "https://www.cgu.com.au/documents/bendigobank/home/pds#page=26",
       "page": 26,
       "document_sha256": "0325e52313f6f136f4993970aefae0968864b49f74d9bf460f4d769d7b36d624",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "The 25% Safety net (extra cover on top of the building sum insured) is available only with Building Plus; Building Standard is sum insured only.",
     "Accidental damage is an optional extra on both levels."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Only if also not kept in a lived-in state (lawns mowed, mail and newspapers stopped, someone checking inside and out weekly).",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "home-insurance-building-cover",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "Insurance Australia Limited",
      "abn": "11000016722",
      "afsl": "227681",
      "lloyds": false,
      "slug": "insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "Insurance Australia Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "227681",
       "name": "INSURANCE AUSTRALIA LIMITED",
       "abn": "11000016722",
       "acn": null,
       "licensed_since": "2003-07-28",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "Bendigo Bank Landlord Insurance (building cover)",
    "type": "landlord",
    "segment": "residential",
    "channel": null,
    "online_quote": null,
    "cover_basis": "choice",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": null,
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Landlord Insurance Product Disclosure Statement and Policy Booklet",
      "url": "https://www.cgu.com.au/documents/bendigobank/landlord/pds",
      "date": "2025-02-24"
     }
    ],
    "quotes": {
     "product": {
      "text": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand",
      "url": "https://www.cgu.com.au/documents/bendigobank/landlord/pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand",
       "url": "https://www.cgu.com.au/documents/bendigobank/landlord/pds#page=2",
       "page": 2,
       "document_sha256": "2226c2ad95439567f6edf3f15bcd3788c18d36833ead31fb5e27e90a2c7b81bf",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Cover Building Contents Rent default Optional Optional Safety net Optional",
      "url": "https://www.cgu.com.au/documents/bendigobank/landlord/pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Cover Building Contents Rent default Optional Optional Safety net Optional",
       "url": "https://www.cgu.com.au/documents/bendigobank/landlord/pds#page=4",
       "page": 4,
       "document_sha256": "2226c2ad95439567f6edf3f15bcd3788c18d36833ead31fb5e27e90a2c7b81bf",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Cover for loss or damage to Your Rental Property and Contents Accidental breakage of glass Animal damage Damage by occupant Deliberate or intentional act Earthquake Electrical motor burnout Escape of water or liquid Explosion Fire Flood or Rainwater Run-off Impact Lightning Riot or civil commotion Storm Storm Surge or tsunami Theft by Tenant Theft or attempted theft",
      "url": "https://www.cgu.com.au/documents/bendigobank/landlord/pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Cover for loss or damage to Your Rental Property and Contents Accidental breakage of glass Animal damage Damage by occupant Deliberate or intentional act Earthquake Electrical motor burnout Escape of water or liquid Explosion Fire Flood or Rainwater Run-off Impact Lightning Riot or civil commotion Storm Storm Surge or tsunami Theft by Tenant Theft or attempted theft",
       "url": "https://www.cgu.com.au/documents/bendigobank/landlord/pds#page=4",
       "page": 4,
       "document_sha256": "2226c2ad95439567f6edf3f15bcd3788c18d36833ead31fb5e27e90a2c7b81bf",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:",
      "url": "https://www.cgu.com.au/documents/bendigobank/landlord/pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:",
       "url": "https://www.cgu.com.au/documents/bendigobank/landlord/pds#page=19",
       "page": 19,
       "document_sha256": "2226c2ad95439567f6edf3f15bcd3788c18d36833ead31fb5e27e90a2c7b81bf",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Safety net (extra cover if rebuild costs exceed the building sum insured) is an optional benefit on the landlord policy."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Only if also not kept in a lived-in state (lawns mowed, mail and newspapers stopped, someone checking inside and out weekly).",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "landlord-insurance-building-cover",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "Insurance Australia Limited",
      "abn": "11000016722",
      "afsl": "227681",
      "lloyds": false,
      "slug": "insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "Insurance Australia Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "227681",
       "name": "INSURANCE AUSTRALIA LIMITED",
       "abn": "11000016722",
       "acn": null,
       "licensed_since": "2003-07-28",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand",
    "url": "https://www.cgu.com.au/documents/bendigobank/home/pds",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand",
     "url": "https://www.cgu.com.au/documents/bendigobank/home/pds#page=2",
     "page": 2,
     "document_sha256": "0325e52313f6f136f4993970aefae0968864b49f74d9bf460f4d769d7b36d624",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "In arranging these insurance policies, Bendigo and Adelaide Bank Limited ABN 11 068 049 178, AFSL 237879 (Bendigo Bank) acts under its own AFSL and under an agreement with the issuer.",
    "url": "https://www.bendigobank.com.au/insurance",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "In arranging these insurance policies, Bendigo and Adelaide Bank Limited ABN 11 068 049 178, AFSL 237879 (Bendigo Bank) acts under its own AFSL and under an agreement with the issuer.",
     "url": "https://www.bendigobank.com.au/insurance#:~:text=In%20arranging%20these%20insurance%20policies%2C,an%20agreement%20with%20the%20issuer.",
     "document_sha256": "75fd3215c65cbe1c1c5b9e91bb3631303bbcda2e99d96592189f7aca2dae4b24",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Bendigo's disclosure documents page also still lists older CGU Gold/Silver Home and Contents (Life Rewards) PDS files for earlier policies; the current Feb 2025 PDS was used.",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "Insurance Australia Limited",
    "abn": "11000016722",
    "afsl": "227681",
    "lloyds": false,
    "slug": "insurance-australia",
    "apra": {
     "status": "authorised",
     "name": "Insurance Australia Limited",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": {
     "afsl": "227681",
     "name": "INSURANCE AUSTRALIA LIMITED",
     "abn": "11000016722",
     "acn": null,
     "licensed_since": "2003-07-28",
     "locality": "Sydney NSW 2000",
     "source": {
      "dataset": "ASIC AFS Licensee dataset",
      "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
      "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
      "last_modified": "2026-11-11T20:51:07.739275",
      "licence": "Creative Commons Attribution 3.0 Australia"
     },
     "general_insurance": true,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": {
   "afsl": "237879",
   "name": "BENDIGO AND ADELAIDE BANK LIMITED",
   "abn": "11068049178",
   "acn": null,
   "licensed_since": "2004-02-16",
   "locality": "Bendigo VIC 3550",
   "source": {
    "dataset": "ASIC AFS Licensee dataset",
    "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
    "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
    "last_modified": "2026-11-11T20:51:07.739275",
    "licence": "Creative Commons Attribution 3.0 Australia"
   }
  },
  "page": "https://deepalmanac.com/au/insurance/building/bendigo-bank/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/bendigo-bank.json"
 }
}