What's the difference between General, Valuable and Portable contents?

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.

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).

If you have a Comprehensive or Comprehensive Plus policy and there's been loss or damage to your car (as a result of an incident we cover), you're covered for:

• Personal items (up to $1,000)
• Baby capsules and child seats
• Tools of trade (up to $1,500, provided you can show us you've been using your tools to earn income).

If you have a Comprehensive Basics policy, you're covered for baby capsules and child seats, but no other personal items. For more information about what's covered, what's not and terms and conditions, read the Product Disclosure Statement (PDS) on our policy booklets page.

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.

• 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

Portable Contents cover is an optional cover for items that you take out of the home with you (like jewellery and watches, your mobile phone or sporting equipment). When you add Portable Contents cover, your things are covered if they’re lost, stolen or accidentally damaged anywhere in the world (limits apply).

You can cover your portable contents as part of your Contents Insurance.

A portable contents excess may apply, read the Premium, Excess and Discounts Guide.

For more details on Portable Contents cover:

• Talk to us on web chat
• Read the Home and Contents Product Disclosure Statement on policy booklets.