Contents insurance

• Covers your contents which includes furniture, furnishings, valuables, personal possessions, detachable appliances and household goods for accidental damage, loss or theft, up to your chosen sum insured amount.
• Get new-for-old replacement cover for many of your contents no matter their age. All other items are covered for the retail value less depreciation for wear and tear, at the time of loss or damage. 
• Receive a higher amount of cover for certain items by specifying them. Items such as jewellery, bikes, cameras and drones are covered for a limited amount unless you specify them. 
• Up to $10,000 cover for your home office furniture and equipment.
• Up to $3,000 cover for hidden gradual damage caused by water leaking or overflowing from internal water pipes. 
• Up to $2,000 cover to replace your keys and locks if your keys are stolen, lost or duplicated without your agreement. 
• If you're legally renting the home you live in, your cover will pay for reasonable additional costs of temporary accommodation for up to one month. 
• Automatic cover for business tools up to $2,000 which can be increased to $10,000 if specified. Cover for business tools is limited to the retail value less depreciation for wear and tear, at the time of loss or damage. 
• Legal liability cover up to $2 million for loss or damage to someone else’s property, and up to $1 million for accidental bodily injury.

Excess Refund

• With Excess Refund, you won't need to pay excess when you make a claim. Note this only applies if your claim is higher than your chosen excess amount. Other excess charges may still apply.

Moving House Extension

• You can extend your policy to cover your contents while you’re in the process of moving to a new home.
• If your contents have been professionally packed and transported, you’ll be covered for accidental loss or damage to your contents while in transit.
• If you’ve packed your contents yourself and arranged transport with a removal company, you’ll be covered if your contents are lost or damaged while in transit as a result of fire, or the removal vehicle being involved in an accident or overturning.

Storage Of Contents

• You can extend the cover available for your contents while they're in storage.
• You can cover your contents while in an approved secure storage facility for loss or damage caused by fire, lightning and explosion. Cover for theft if there has been forcible and violent entry to the storage facility.