Contents cover for your valuable items if they're lost, damaged, or stolen, anywhere in New Zealand. Arranged in conjunction with one of New Zealand’s leading insurers, Tower.
New for old
We’ll replace or repair your contents,
up to the limits in your policy
including your sum insured.
Save up to 20% when you take out two
or more policies with us.
One event, one excess
If one incident means you need to
claim on multiple policies with us,
you’ll only pay one excess. The highest
This is a summary only, you can read the full list of benefits, terms and conditions in our policy wordings.
Cover benefits compared
|Premium cover||Plus cover||Standard cover|
|Accidental loss or damage||At your house|
|Basis of settlement||Replacement value||Replacement value||Replacement value|
|Jewellery (including watches) per item||$10,000||$2,500||$1,000|
|Total of all unspecified jewellery (including watches) per item||$30,000||$15,000||$5,000|
|Specified jewellery (including watches) per item||>$10,000||>$2,500||>$1,000|
|Any other single item or set||$10,000||$5,000||$1,000|
|Money, gold or silver bards or ingots, precious stones||$1,000||$500||$250|
|Accidental damage anywhere in NZ||$5,000|
|Children's contents left at home|
|Contents temporarily relocated||42 days||42 days||42 days|
|Gradual damage to your contents||$3,000||$2,000||$1,000|
|House under minor alteration|
|Keys and locks lost or stolen||$2,000||$1,000||$500|
|Moving house - cover for your contents in transit|
|Natural disaster damage|
|No claims bonus|
|One event - one excess|
|Spoiled frozen or refrigerated food||$500|
|Temporary storage after loss||$5,000||$5,000||$5,000|
|University/boarding school cover for your children||$10,000||$5,000||$5,000|
|Spectacles, contact lenses, hearing aids and dentures||No excess||No excess|
|Contents in temporary storage||$20,000 max 12mths||$20,000 max 6mths|
|Credit or debit card fraud||$1,000||$1,000|
|Fatal injury to you||$5,000 up to $10,000||$5,000|
|Home office equipment||$10,000 at your house, $1,500 away from your house||$5,000 at your house, $750 away from your house|
|Stress benefit lump sum payment||$2,000||$1,000|
|Gifts temporarily stored in your house|
|Veterinary fees for your domestic pet||$500|
|Visitors personal effects when they are staying with you||$500|
|Window coverings extended replacement|
How do I know what
my items are worth?
It can be difficult to know how much any specific item is worth, especially after you've owned it for a few years. As a rule of thumb, consider how much it would cost to replace your contents. Not just your electronics and jewellery, but also things like your clothing and kitchen utensils. To help you estimate this cost, look at prices for similar items. Be aware of sales while you do this. To be safe, always use the standard retail price.