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How do you decide what replacement items I receive for my home claim?

When we replace goods for you we consider the original item and its specifications.

If that same item is available we'll attempt to source this as a replacement for you.

If the same item isn't available we'll attempt to obtain a replacement that's equivalent to the item based on the features and specifications of the product.

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In general, you'll need to call us on 132 132 in order to change the car on your motor policy.

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This depends on the types of items that you're claiming for.

Contents items such as electrical items generally are referred to a specialist supplier that can assist in the replacement process.

We can also sometimes choose to settle you with a store credit or cash settlement and where possible, repair or restore content items.

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If your contents are lost or damaged as a result of an event we have agreed to cover, you'll be covered up to $1,000.

You can also opt to increase your contents cover. If you choose to increase your contents cover above $1,500, the most we'll pay for a single item is $1,500.

The contents we cover must be used solely in your boat, and includes:

  • Household items and appliances
  • Portable navigation equipment
  • Driving equipment (while not in use)
  • Fishing equipment (while not in use)
  • Waterskiing equipment (while not in use).

Contents we don't cover include:

  • Portable electronic items and accessories, phones and cameras
  • Cash, jewellery, watches and personal effects
  • Fuel
  • Food, Drinks, Medicines or Bait
  • Sporting equipment such as sailboards and surfboards
  • Contents solely used on your boat tender.

If your claim is for theft, attempted theft, or vandalism, you won't be covered if your items were not in a lockable cabin or compartment at the time of the incident, or if there was no proof of forced entry into the locked cabin/compartment.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

  • First purchased before 21 April 2024 and not yet renewed
  • Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

For more information about contents cover, read the Product Disclosure Statement (PDS).

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  • We can organise for most items to be repaired or replaced through our suppliers
  • We'll arrange for items to be replaced and have them delivered to your home
  • We can also provide you with a store credit card for one of our suppliers, or send the funds to you
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If you have Comprehensive Motorcycle cover, we will replace your helmet if it's lost or damaged in an incident we cover.

For an extra cost, you can choose to add the option of cover for protective clothing (e.g. jacket, trousers, boots and gloves) to your policy.

If you have Comprehensive cover, we also cover you personal items, for up to $1,000 in total.

Personal items we will not cover include, mobile phones, cash, and property used for earning an income.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

  • First purchased before 21 April 2024 and not yet renewed
  • Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

For more information, read the PDS.

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