Will you replace or repair my contents items for me?

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

General contents held in storage can be covered under your Contents Insurance policy if you inform us before moving your items into storage and if our acceptance criteria are met.

Read the Product Disclosure Statement (PDS) on our policy booklets page for information on items not covered while in storage.

Please note that Valuable contents are not covered while in storage.

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).

General contents are items you keep in and around your home that aren't permanently attached or fixed to the home's structure, for example furniture.

Valuable contents are covered as part of your general contents, however the cover is limited to $2,500 for each category below.

• Works of art
• Music, games and movies
• Collections
• Jewellery and watches

Under valuable contents, you can choose to insure these items inside your home for more than what would normally be paid out.

Portable contents are items that you or your family own that you can take outside of your home.

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

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.

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.