Contents Insurance

We don’t cover actions of the sea, such as tides and waves. Check the PDS for a full list of exclusions. For insured properties in NSW, ACT or Tasmania, if we give you the option to remove cover for flood, rainwater run-off and storm surge from your Contents Insurance and you choose to do so, you won’t be covered for loss or damage to your contents caused by flood, rainwater run-off or storm surge. 

If you’re renting the home, we pay the reasonable extra rent costs for temporary accommodation. If you own and live in your home, we cover the reasonable costs of temporary accommodation. As long as you were living in the damaged home permanently before the incident, we pay for accommodation for up to a year for the Home Contents Standard policy (or up to two years if you have a Home Contents Plus policy), or when your home is repaired or replaced (whichever is first). We pay your extra temporary accommodation costs up to 10% of your sum insured for Home Contents Standard policies, and up to 20% for Home Contents Plus. We need to be satisfied your home is unliveable and we need to agree to the cost before you make arrangements.

We don’t cover damage caused by water leaking or escaping from a shower recess or shower base. We don’t cover loss from erosion or other earth movements. We don’t cover the costs to repair or replace the item that the liquid leaked or escaped from.

We don't cover broken glass in televisions, radios, or computer equipment unless you choose to add Accidental damage cover to your Home Contents Standard policy. Or, it's automatically included if you have Home Contents Plus.

We don't cover loss or damage caused by tree cutting, lopping or felling, unless it was performed by a professional.

We pay up to $500 for Contents Standard, and up to $2,000 for Contents Plus.

For owners, cover applies if the incident happens away from your home but still in Australia. For tenants or if your home is under a strata title, cover also applies if the incident happens at the home or site and for which you or your family are responsible for.

Cover applies at your current and new home for up to 14 days from when you start moving, as long as you give us details of your new home within this time.

We don’t cover fishing equipment, sporting equipment, musical instruments or firearms while they’re in use.

We can cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.

Portable items are covered for loss, theft and accidental damage. We cover up to $10,000 for each item unless you list it separately for more. There are other limits for items taken outside Australia or New Zealand, check the PDS. We don’t cover scratches and dents or items being cleaned or repaired. We don’t cover fishing equipment, sporting equipment, drones, musical instruments or firearms while they’re in use. We don’t cover bicycles while they’re being used in a competitive race or time trial. A portable contents excess may apply, read the Premium, Excess and Discounts Guide.

See the full details of the online discount. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year's premium amount.

For this cover to apply, your Australian ID must be stolen and used by someone to get a financial benefit. All legal costs must be agreed by us before they are incurred. Cover does not apply to debts resulting from the ID theft.