{
 "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": "people-first-bank",
  "name": "People First Bank",
  "website": "https://www.peoplefirstbank.com.au/",
  "kind": "brand",
  "underwriter": "Insurance Australia Limited",
  "underwriter_abn": "11000016722",
  "underwriter_afsl": "227681",
  "lloyds": false,
  "distributor": {
   "name": "Heritage and People's Choice Ltd (trading as People First Bank)",
   "abn": "11087651125",
   "afsl": "244310",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "People First Bank Home Insurance (building cover)",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "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/peoplefirstbank/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/peoplefirstbank/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/peoplefirstbank/home/pds#page=2",
       "page": 2,
       "document_sha256": "07573ad7ed32265894daf1f06fcf6099bf87edaf584b364d8aae750b43457bf8",
       "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/peoplefirstbank/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/peoplefirstbank/home/pds#page=22",
       "page": 22,
       "document_sha256": "07573ad7ed32265894daf1f06fcf6099bf87edaf584b364d8aae750b43457bf8",
       "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/peoplefirstbank/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/peoplefirstbank/home/pds#page=5",
       "page": 5,
       "document_sha256": "07573ad7ed32265894daf1f06fcf6099bf87edaf584b364d8aae750b43457bf8",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "You can get a quote online today.",
      "url": "https://www.peoplefirstbank.com.au/insurance/home-insurance/building-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "You can get a quote online today.",
       "url": "https://www.peoplefirstbank.com.au/insurance/home-insurance/building-insurance#:~:text=You%20can%20get%20a%20quote%20online%20today.",
       "document_sha256": "7954697f7341487fa5adc7ce476416cffe27fe0aa91ef0ef8f8291ed09784f30",
       "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/peoplefirstbank/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/peoplefirstbank/home/pds#page=26",
       "page": 26,
       "document_sha256": "07573ad7ed32265894daf1f06fcf6099bf87edaf584b364d8aae750b43457bf8",
       "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 the home is also not kept in a lived-in state (lawns mowed, mail 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": "People First 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/peoplefirstbank/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/peoplefirstbank/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/peoplefirstbank/landlord/pds#page=2",
       "page": 2,
       "document_sha256": "864aef204db278810e5c05eeb367a25424f294abf18652db1386bf8ce4c77214",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Cover Building Contents Rent default Optional Optional Safety net Optional",
      "url": "https://www.cgu.com.au/documents/peoplefirstbank/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/peoplefirstbank/landlord/pds#page=4",
       "page": 4,
       "document_sha256": "864aef204db278810e5c05eeb367a25424f294abf18652db1386bf8ce4c77214",
       "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",
      "url": "https://www.cgu.com.au/documents/peoplefirstbank/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",
       "url": "https://www.cgu.com.au/documents/peoplefirstbank/landlord/pds#page=4",
       "page": 4,
       "document_sha256": "864aef204db278810e5c05eeb367a25424f294abf18652db1386bf8ce4c77214",
       "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/peoplefirstbank/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/peoplefirstbank/landlord/pds#page=19",
       "page": 19,
       "document_sha256": "864aef204db278810e5c05eeb367a25424f294abf18652db1386bf8ce4c77214",
       "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 the rental property is also not kept in a lived-in state (lawns mowed, mail 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/peoplefirstbank/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/peoplefirstbank/home/pds#page=2",
     "page": 2,
     "document_sha256": "07573ad7ed32265894daf1f06fcf6099bf87edaf584b364d8aae750b43457bf8",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "People First Bank (a trading name of Heritage and People’s Choice Ltd ABN 11 087 651 125 AFSL 244310) acts under its own AFSL and under an agreement with the insurance issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681, under the CGU brand, in distributing this insurance.",
    "url": "https://www.peoplefirstbank.com.au/insurance/home-insurance/building-insurance",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "People First Bank (a trading name of Heritage and People’s Choice Ltd ABN 11 087 651 125 AFSL 244310) acts under its own AFSL and under an agreement with the insurance issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681, under the CGU brand, in distributing this insurance.",
     "url": "https://www.peoplefirstbank.com.au/insurance/home-insurance/building-insurance#:~:text=People%20First%20Bank%20%28a%20trading,brand%2C%20in%20distributing%20this%20insurance.",
     "document_sha256": "7954697f7341487fa5adc7ce476416cffe27fe0aa91ef0ef8f8291ed09784f30",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "People First Bank is the same legal entity as Heritage Bank (Heritage and People's Choice Ltd) but sells CGU-underwritten insurance, whereas Heritage Bank sells Allianz. People's Choice Credit Union's old insurance page now serves People First Bank.",
  "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": "244310",
   "name": "HERITAGE AND PEOPLE'S CHOICE LIMITED",
   "abn": "11087651125",
   "acn": null,
   "licensed_since": "2004-03-10",
   "locality": "Toowoomba QLD 4350",
   "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/people-first-bank/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/people-first-bank.json"
 }
}