Contents Insurance

If you are injured, and, as a consequence, die as the result of a sudden accidental event caused by your household contents at the property’s address covered by this policy, we will pay $20,000 to your estate.

Your policy is extended to cover your personal effects up to $5,000 per item, including items purchased overseas, and up to $50,000 per claim. You are also automatically covered for cash or pre-paid cards up to $1,000 for any one event.

If your main residence is uninhabitable, we will pay up to $50,000 for the additional and reasonable costs for alternative accommodation while the property is being assessed and/or repaired.

We'll provide up to $25,000 cover at home, and up to $5,000 cover out and about, for property owned by you that relates to a home-based office or healthcare practice.

We cover your children's contents while they're in full time study and staying at boarding school, in tertiary accommodation or while boarding in a private residence. We'll also cover their belongings stored at your house while they're overseas.

We cover your contents for accidental loss by restricted perils while temporarily stored in a professional storage facility.

We cover your contents for accidental loss by restricted perils while being permanently moved to a new permanent address anywhere in New Zealand.

We'll provide up to $2,000 for fraudulent debit or credit card use for which you are legally liable and cannot be recovered elsewhere.

We will repay you up to $5,000 if you incur expenses caused by Cyber-bullying. Your no claims bonus will not be affected.

If emergency services cause damage to your property on entry, we'll cover it up to $10,000.

We'll allow you to claim under the 'Alternative accommodation' benefit when you are denied access to your house due to safety concerns or an emergency.

If your property suffers a significant loss, and we believe that it is likely to be a claim greater than $100,000, we'll help out immediately by providing a $5,000 cash benefit to assist you with recovery.

If your freezer accidentally breaks down, loses refrigerant or the power supply is disconnected, we will pay up to $2,000 for any spoilt items.

In certain circumstances we'll provide up to $5,000 for hidden rot, hidden mildew or hidden gradual deterioration caused by water leaking from an internal source.

We will cover the reasonable cost of replacing locks and keys (including electronic access cards and transponders and remote door openers) if they have been lost, damaged, stolen or duplicated. No excess needs to be paid for your first claim under this benefit. That first claim will not affect your No Claims Bonus. The most we will pay for any one event is $2,000.

If you're moving house, we'll automatically cover your contents at the new address for up to 30 days on the same terms and conditions as the existing policy.

Under our Replacement value cover option, if an item cannot be repaired, we will replace it with the nearest equivalent item available that is substantially the same as the damaged item was when new.

If we are unable to repair an item of jewellery or artwork that forms part of a pair or set, and we are unable to repair or replace the complete pair, we will, at your request, settle the claim as if the whole pair or set was involved in the loss.

We cover your parents' or grandparents' contents automatically under your policy while they're residing in a rest home, hospice or the like.

If your claim is solely for hearing aids, dentures, prescription glasses, contacts, walking sticks and frames or wheelchairs we will not apply an excess and your no claims bonus will not be affected.

We'll provide up to $10,000 for reasonable costs incurred to protect your property from loss, or following a loss, to minimise damage and prevent further loss. We will also pay the reasonable costs incurred to replenish your fire fighting equipment after it has been used to protect your house.

If we choose to repair or replace any item of jewellery, artwork or musical instrument, we'll pay  for any reduction in current value of the item that results.

You can select your own repairer.  If you select a repairer that we approve, we will guarantee the quality of their repairs completed under the claim.