We’ll replace most household items with new ones, no matter how old they are. In certain living situations, and for certain items we’ll only pay present day value. Note: the limitation also applies to holiday homes not just flats.
Cover for expensive items
Jewellery, cameras and other possessions worth more than $3,000 can be covered – just specify them in your policy.
New locks, keys or remote doors openers
Up to $2,000 towards replacing these if they’re lost or stolen, and you live in your home - with no excess to pay.
Liability for accidental damage to someone else’s property
You’re covered for up to $2 million of accidental damage to someone else’s property.
If you want to work out how much contents cover you might need, we want to help. Our Contents Checklist will give you a hand working out the value of your contents: Download the Contents Checklist
How can I save money on my premiums?
Increase your excess: You could save money on your premium by increasing your excess.
Get Westpac Home Cover: If you live in your own home and insure it with our home insurance, you’ll get up to a 10% discount on your contents insurance.
Get an alarm installed: if you live in your own home and have an approved alarm installed by an approved alarm installer, you could get up to 4% discount.
Over 50s insurance discounts: If you’re 50 years or over, we could offer you a discount. If you’re over 60, we can offer an even bigger discount (excludes rental properties or where the policy is in the name of a trust or company).
With our 30-Day Free look, if you decide the cover is not for you during the free look period, just notify us and we’ll refund any premiums you’ve paid.
Westpac Full Contents Cover is arranged by Westpac New Zealand Limited ("Westpac") and underwritten by IAG New Zealand Limited (”IAG”). Neither Westpac Banking Corporation ABN 33 007 457 141 nor Westpac guarantee the obligations of, or any products issued by IAG. Westpac may receive commission payments as a result of the arrangement of IAG policies. For IAG’s financial strength rating please clickhere.
The information contained on this page is intended as a general guide only and may vary at times. Terms, conditions, exclusions and limits apply. More detail can be found in the policy document (downloaded here as a PDF), or by calling 0800 809 378. The availability of any insurance cover is subject to the acceptance and approval of a complete application.
Any payment is subject to your claim being accepted.