Can I change my sum insured?

We want to help you make sure you’ve got enough insurance to cover everything you want to cover. If you don’t have enough, you may not be able to rebuild your home the way you want, or replace all your items.

Our home and contents calculators are one tool that can help. Just remember that they’re a guide only, and provide a possible sum insured range. The final decision on the sum insured amount is yours, as we’re unable to guarantee that all information in the calculator is up-to-date or accurate. They might also differ from any estimates we provide as part of your quote.

Everybody’s assessment of what they need to cover their assets is different. How much cover someone chooses can depend on things like the size of their property, the quality of their furniture, and anything unique about their home.

Our home and contents calculators are one tool that can help you figure out how much cover you need. Just remember that they’re a guide only, and provide a possible sum insured range. The final decision on the sum insured amount is yours, as we’re unable to guarantee that all the information in the calculator is up-to-date or accurate. They might also differ from any estimates we provide as part of your quote.

Your sum insured represents the replacement price of your car, including the value of any legal modifications and on-road costs (like registration and CTP Insurance). You can choose agreed value or market value to insure your car.

If your car is covered for an agreed value, your sum insured can be found on your Certificate of Insurance under the policy summary area. You can also log in to your account.

The sum insured applies to all elements we’ve agreed to insure on your boat. It covers the hull, listed motor(s), equipment and accessories that come with your boat, boat tender (dinghy) and trailer.

For more information about what's covered, what's not and terms and conditions, read the Product Disclosure Statement (PDS).

Yes you can.

The calculation guide that's provided is a guide only. It's up to you to make sure your home and contents are insured for their full replacement value.

However, if you insure your home or contents for more than the cost to repair, replace or rebuild, we only pay the actual costs of repairing, replacing or rebuilding.