Contents Insurance.

Accidental loss or damage anywhere in New Zealand
We'll cover accidental loss or damage to your contents anywhere in New Zealand, including at home.

Lost, damaged or stolen contents replaced with new
We'll repair or replace your contents if they're lost, stolen or damaged, up to your policy limits. If we can't find an exact match, we'll replace it with something similar.

Single item limit, unless detailed below
Each policy has a maximum amount we'll pay for any individual item. Some of these limits are summarised here. They are the most we'll pay for any item you claim for unless you've specified it and it's listed on your certificate of insurance.

Mobile phone
Your mobile phone is covered if it's lost, stolen or damaged, up to your policy limit.

Up to $500 per phone

Jewellery - per item
Each item of jewellery or sets (for example earrings) is covered up to the limit in your policy. If you have items worth more than this, you'll need to tell us so we can fully cover them. We'll adjust your premium to cover this extra risk.

Jewellery - total
This is the most we'll pay out for all your unspecified jewellery in any one claim.

Keys and locks
If your keys are stolen, lost or illegally copied, we'll help replace your keys and locks or change your key code. And there's no excess when you're only claiming under this benefit.

Prescription glasses and contact lenses
If your prescription glasses or contact lenses are lost, stolen or damaged, we'll repair or replace them. Premium and Plus customers pay a reduced excess of $100, and Standard customers pay their policy excess.

Spoiled frozen or refrigerated food
If your fridge or freezer accidently stops working, we'll cover the reasonable cost to replace spoiled, unsafe to eat food.

Natural disaster damage
If your contents are damaged in a natural disaster, we'll cover the loss up to your sum insured, minus any applicable excesses.

Moving house
We'll cover your contents for up to 14 days at both your old home and new home while you're moving.

Liability protection
We'll cover you if you cause damage to someone else's property, and you're legally liable to pay for it.

One event, one excess
Pay only the highest excess if one event means claims on multiple eligible policies.

University and boarding school cover for your children
If your child lives in a hall of residence, school hostel or boards in a private home, their contents are covered too.

Home office equipment
Get cover for your home office furniture and home office equipment used for work. You're covered up to the limit in your policy when the loss happens at your house, and a lower limit applies when your items are temporarily away from home.

Contents in temporary storage
Your contents are covered in commercial storage, up to the limits in your policy.

Window covering extended replacement
If your curtains or blinds are damaged beyond repair, we'll help find a match. If we can't, we'll replace all the identical curtains or blinds in your home.

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