{
 "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": "chu",
  "name": "CHU Underwriting Agencies",
  "website": "https://chu.com.au/",
  "kind": "underwriting_agency",
  "underwriter": "QBE Insurance (Australia) Limited",
  "underwriter_abn": "78003191035",
  "underwriter_afsl": "239545",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "CHU Residential Strata Insurance Plan (QM562)",
    "type": "residential_strata",
    "segment": "residential",
    "channel": "both",
    "online_quote": true,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Bodies corporate / owners corporations of residential strata or company title property with less than 20% of floor space used commercially (and SA community corporations).",
    "states": null,
    "documents": [
     {
      "title": "Residential Strata PDS (May 2026)",
      "url": "https://chu.com.au/wp-content/uploads/2026/04/CHU_ResidentialStrata_PDS_052026.pdf",
      "date": "2026-05-01"
     },
     {
      "title": "Residential Strata TMD (from 1/05/2026)",
      "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9018-0526-Residential-Strata-Insurance-Plan-TMD-for-QM562.pdf",
      "date": "2026-05-01"
     },
     {
      "title": "Important documents index",
      "url": "https://chu.com.au/important-documents/",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Strata insurance protects the building and shared common areas from unexpected events such as fire, storm, water damage, theft and legal liability.",
      "url": "https://chu.com.au/strata-insurance/residential-strata-insurance/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Strata insurance protects the building and shared common areas from unexpected events such as fire, storm, water damage, theft and legal liability.",
       "url": "https://chu.com.au/strata-insurance/residential-strata-insurance/#:~:text=Strata%20insurance%20protects%20the%20building,damage%2C%20theft%20and%20legal%20liability.",
       "document_sha256": "fc769d24313ad7b9d60614b2661e669a657ca057f16e5edd88f40af21f8a6874",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Residential Strata Insurance Plan - QM562 can be sold via direct contact between the customer and CHU. CHU also has a network of Authorised Representatives that are authorised to provide general financial product advice when arranging policies on behalf of CHU. Brokers are also able to provide financial product advice for acquiring new policies, renewing policies, or cancelling policies.",
      "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9018-0526-Residential-Strata-Insurance-Plan-TMD-for-QM562.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Residential Strata Insurance Plan - QM562 can be sold via direct contact between the customer and CHU. CHU also has a network of Authorised Representatives that are authorised to provide general financial product advice when arranging policies on behalf of CHU. Brokers are also able to provide financial product advice for acquiring new policies, renewing policies, or cancelling policies.",
       "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9018-0526-Residential-Strata-Insurance-Plan-TMD-for-QM562.pdf#page=7",
       "page": 7,
       "document_sha256": "990807bcc329aa204695a2e572873e2f1df7e72be28f9431e021846e4849b1a7",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Storm or Rainwater to retaining walls, or caused by Flood if shown in the Schedule as not selected;",
      "url": "https://chu.com.au/wp-content/uploads/2026/04/CHU_ResidentialStrata_PDS_052026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Storm or Rainwater to retaining walls, or caused by Flood if shown in the Schedule as not selected;",
       "url": "https://chu.com.au/wp-content/uploads/2026/04/CHU_ResidentialStrata_PDS_052026.pdf#page=28",
       "page": 28,
       "document_sha256": "d13f4b77d1812fa1d9da890b31d404cb9eb83ec1fa1b6ffa0bf8a5657064e1a9",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "where less than 20% of the floor space is used for commercial purposes.",
      "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9018-0526-Residential-Strata-Insurance-Plan-TMD-for-QM562.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "where less than 20% of the floor space is used for commercial purposes.",
       "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9018-0526-Residential-Strata-Insurance-Plan-TMD-for-QM562.pdf#page=3",
       "page": 3,
       "document_sha256": "990807bcc329aa204695a2e572873e2f1df7e72be28f9431e021846e4849b1a7",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "The PDS makes flood selectable on the policy schedule (wording: 'Flood if shown in the Schedule as not selected')."
    ],
    "unoccupied": {
     "days": null,
     "effect": "not_stated",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": null,
     "then": null,
     "label": "Not stated"
    },
    "id": "residential-strata-insurance-plan-qm562",
    "type_label": "Residential strata",
    "issuers": [
     {
      "name": "QBE Insurance (Australia) Limited",
      "abn": "78003191035",
      "afsl": "239545",
      "lloyds": false,
      "slug": "qbe-insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "QBE 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": "239545",
       "name": "QBE INSURANCE (AUSTRALIA) LIMITED",
       "abn": "78003191035",
       "acn": null,
       "licensed_since": "2004-03-10",
       "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": "CHU Commercial Strata Insurance Plan (QM569)",
    "type": "commercial_strata",
    "segment": "commercial",
    "channel": "both",
    "online_quote": true,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Bodies corporate / owners corporations of commercial or mixed-use strata or company title property where 20% or more of total floor space is commercial.",
    "states": null,
    "documents": [
     {
      "title": "Commercial Strata PDS (October 2023)",
      "url": "https://chu.com.au/wp-content/uploads/2026/04/CHU_CommercialStrataPDS_1023.pdf",
      "date": "2023-10-01"
     },
     {
      "title": "Commercial Strata TMD (QM9013, January 2025)",
      "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9013-0125-CHU-Commercial-Strata-Insurance-Plan-TMD-for-QM569.pdf",
      "date": "2025-01-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Cover to protect your commercial strata or mixed-use building, mandated across Australia.",
      "url": "https://chu.com.au/strata-insurance/commercial-strata-insurance/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Cover to protect your commercial strata or mixed-use building, mandated across Australia.",
       "url": "https://chu.com.au/strata-insurance/commercial-strata-insurance/#:~:text=Cover%20to%20protect%20your%20commercial,mixed%2Duse%20building%2C%20mandated%20across%20Australia.",
       "document_sha256": "d8b255c624da12fd3fd693912a72da2779e2ddf62ee6cdec2b1ed2b68e9a61b1",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Commercial Strata Insurance Plan (QM569) can be sold via direct contact between the customer and CHU. CHU also has a network of Authorised Representatives that are authorised to provide general financial product advice when arranging policies on behalf of CHU. Brokers are also able to provide financial product advice for acquiring new policies, renewing policies or cancelling policies.",
      "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9013-0125-CHU-Commercial-Strata-Insurance-Plan-TMD-for-QM569.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Commercial Strata Insurance Plan (QM569) can be sold via direct contact between the customer and CHU. CHU also has a network of Authorised Representatives that are authorised to provide general financial product advice when arranging policies on behalf of CHU. Brokers are also able to provide financial product advice for acquiring new policies, renewing policies or cancelling policies.",
       "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9013-0125-CHU-Commercial-Strata-Insurance-Plan-TMD-for-QM569.pdf#page=6",
       "page": 6,
       "document_sha256": "d064bdecf1b41e7d853d6410954f7f7fbf5312221aca7f53c7c8582eab42b88e",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "where 20% or more of the total building floor space is used for commercial purposes",
      "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9013-0125-CHU-Commercial-Strata-Insurance-Plan-TMD-for-QM569.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "where 20% or more of the total building floor space is used for commercial purposes",
       "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9013-0125-CHU-Commercial-Strata-Insurance-Plan-TMD-for-QM569.pdf#page=2",
       "page": 2,
       "document_sha256": "d064bdecf1b41e7d853d6410954f7f7fbf5312221aca7f53c7c8582eab42b88e",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [],
    "unoccupied": {
     "days": null,
     "effect": "not_stated",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": null,
     "then": null,
     "label": "Not stated"
    },
    "id": "commercial-strata-insurance-plan-qm569",
    "type_label": "Commercial strata",
    "issuers": [
     {
      "name": "QBE Insurance (Australia) Limited",
      "abn": "78003191035",
      "afsl": "239545",
      "lloyds": false,
      "slug": "qbe-insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "QBE 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": "239545",
       "name": "QBE INSURANCE (AUSTRALIA) LIMITED",
       "abn": "78003191035",
       "acn": null,
       "licensed_since": "2004-03-10",
       "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": "CHU Landlord Insurance (QM10074)",
    "type": "landlord",
    "segment": "residential",
    "channel": "both",
    "online_quote": true,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Owners renting out a strata dwelling (unit, apartment, townhouse or villa) or a freestanding house. Building cover is for freestanding houses; a strata lot gets landlord contents, loss of rent and liability only, unless it is a WA survey strata or QLD standard format plan lot, which CHU may quote.",
    "states": null,
    "documents": [
     {
      "title": "Landlord Insurance PDS (March 2025)",
      "url": "https://chu.com.au/wp-content/uploads/2026/03/QM10074-0325-CHU-Landlord-Insurance-Product-Disclosure-Statement.pdf",
      "date": "2025-03-01"
     },
     {
      "title": "Landlord Insurance TMD (May 2026)",
      "url": "https://chu.com.au/wp-content/uploads/2026/04/QM10083-0526-CHU-Landlord-Insurance-TMD-for-QM10074.pdf",
      "date": "2026-05-01"
     },
     {
      "title": "Landlord Insurance Additional Information Guide",
      "url": "https://chu.com.au/wp-content/uploads/2026/03/QM10080-0825-CHU-Landlord-Insurance-AIG-for-QM10074.pdf"
     }
    ],
    "quotes": {
     "product": {
      "text": "Protect your residential investment property with cover designed for landlords of strata properties (including units, apartments, townhouses and villas) and freestanding homes.",
      "url": "https://chu.com.au/landlord-insurance/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Protect your residential investment property with cover designed for landlords of strata properties (including units, apartments, townhouses and villas) and freestanding homes.",
       "url": "https://chu.com.au/landlord-insurance/#:~:text=Protect%20your%20residential%20investment%20property,and%20villas%29%20and%20freestanding%20homes.",
       "document_sha256": "1d8301134a9cfd82b0ce294ec3b630a5d11b7e0c8ac98fc34c413fbd42d47b60",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Landlord Insurance - QM10074 can be sold via direct contact between the customer and CHU. CHU also has a network of Authorised Representatives that are authorised to provide general financial product advice when arranging policies on behalf of CHU. Brokers are also able to provide financial product advice for acquiring new policies, renewing policies, or cancelling policies.",
      "url": "https://chu.com.au/wp-content/uploads/2026/04/QM10083-0526-CHU-Landlord-Insurance-TMD-for-QM10074.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Landlord Insurance - QM10074 can be sold via direct contact between the customer and CHU. CHU also has a network of Authorised Representatives that are authorised to provide general financial product advice when arranging policies on behalf of CHU. Brokers are also able to provide financial product advice for acquiring new policies, renewing policies, or cancelling policies.",
       "url": "https://chu.com.au/wp-content/uploads/2026/04/QM10083-0526-CHU-Landlord-Insurance-TMD-for-QM10074.pdf#page=10",
       "page": 10,
       "document_sha256": "087e2ec804485f9d4e1f058f99a15658975fd4cd2eb02555253d36a990b23f76",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Building cover is generally not available for strata properties where the building is insured by a body corporate.",
      "url": "https://chu.com.au/landlord-insurance/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Building cover is generally not available for strata properties where the building is insured by a body corporate.",
       "url": "https://chu.com.au/landlord-insurance/#:~:text=Building%20cover%20is%20generally%20not,insured%20by%20a%20body%20corporate.",
       "document_sha256": "1d8301134a9cfd82b0ce294ec3b630a5d11b7e0c8ac98fc34c413fbd42d47b60",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "you do not tell us that your rental property will be unoccupied for more than 90 consecutive days; and • you make a claim for an incident that occurs more than 90 days after your rental property was first unoccupied.",
      "url": "https://chu.com.au/wp-content/uploads/2026/03/QM10074-0325-CHU-Landlord-Insurance-Product-Disclosure-Statement.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "you do not tell us that your rental property will be unoccupied for more than 90 consecutive days; and • you make a claim for an incident that occurs more than 90 days after your rental property was first unoccupied.",
       "url": "https://chu.com.au/wp-content/uploads/2026/03/QM10074-0325-CHU-Landlord-Insurance-Product-Disclosure-Statement.pdf#page=79",
       "page": 79,
       "document_sha256": "fa8e739e2542e80ce05de0c3b60fa41930f5ee00724b50770697a1e922a46961",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied_excess": {
      "text": "Number of consecutive days unoccupied: 91-365 days: $1,500 366+ days: $4,500",
      "url": "https://chu.com.au/wp-content/uploads/2026/03/QM10080-0825-CHU-Landlord-Insurance-AIG-for-QM10074.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Number of consecutive days unoccupied: 91-365 days: $1,500 366+ days: $4,500",
       "url": "https://chu.com.au/wp-content/uploads/2026/03/QM10080-0825-CHU-Landlord-Insurance-AIG-for-QM10074.pdf#page=4",
       "page": 4,
       "document_sha256": "e59f7f1ace005b5c0760b99f0c2d75c47806d6ff7d15087a235febf3cbafae45",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [],
    "unoccupied": {
     "days": 90,
     "effect": "extra_excess",
     "excess": 1500,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Only if you did not tell CHU. Not charged for riot, lightning, earthquake, collision or falling trees.",
     "then": {
      "days": 365,
      "effect": "extra_excess",
      "excess": 4500
     },
     "label": "Extra $1,500 excess after 90 days; extra $4,500 excess after 365 days"
    },
    "id": "landlord-insurance-qm10074",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "QBE Insurance (Australia) Limited",
      "abn": "78003191035",
      "afsl": "239545",
      "lloyds": false,
      "slug": "qbe-insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "QBE 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": "239545",
       "name": "QBE INSURANCE (AUSTRALIA) LIMITED",
       "abn": "78003191035",
       "acn": null,
       "licensed_since": "2004-03-10",
       "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": "CHU Underwriting Agencies Pty Ltd (ABN 18 001 580 070, AFS Licence No: 243261) acts under a binding authority as agent of the insurer QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFS Licence No: 239545).",
    "url": "https://chu.com.au/strata-insurance/residential-strata-insurance/",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "CHU Underwriting Agencies Pty Ltd (ABN 18 001 580 070, AFS Licence No: 243261) acts under a binding authority as agent of the insurer QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFS Licence No: 239545).",
     "url": "https://chu.com.au/strata-insurance/residential-strata-insurance/#:~:text=CHU%20Underwriting%20Agencies%20Pty%20Ltd,035%2C%20AFS%20Licence%20No%3A%20239545%29.",
     "document_sha256": "fc769d24313ad7b9d60614b2661e669a657ca057f16e5edd88f40af21f8a6874",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "CHU is majority owned by Steadfast. Also sells Community Association, Build to Rent and Lot Owners Contents products (not listed as separate products here). Flex Insurance is a wholly owned subsidiary (separate entry). Commercial strata flood status not confirmed from the PDS.",
  "segments": [
   "residential",
   "commercial"
  ],
  "issuers": [
   {
    "name": "QBE Insurance (Australia) Limited",
    "abn": "78003191035",
    "afsl": "239545",
    "lloyds": false,
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}