Recommended products Results for paid members only
Recommended
Members only
Scores Results for paid members only
CHOICE Expert Rating
Members only
Cover score
Members only
Price score
Members only
Customer satisfaction
42%
Claims satisfaction
N/A
Description
Insurer
Qantas
Policy
Home and Contents
Provider
Auto u0026 General Insurance Company Limited
About the insurer
Qantas
Cover summary
Building cover
u0026#149; Nominate a sum insured for your buildingu003cbru003eu0026#149; Optional 25% underinsurance safety net
Contents cover
Nominate a sum insured for your contents
Legal liability
u0026#149; Up to $20 millionu003cbru003eu0026#149; Cover for people named on the policy, plus their family members living with themu003cbru003eu0026#149; Cover for incidents in Australia
Cost
Same price to pay monthly
ACT price comparison
N/A
NSW price comparison
N/A
NT price comparison
N/A
North Queensland price comparison
N/A
South Queensland price comparison
N/A
SA price comparison
N/A
Tasmania price comparison
N/A
Victoria price comparison
N/A
WA price comparison
N/A
Covered events
Theft
u0026#149; Covers theft and attempted theftu003cbru003eu0026#149; No cover for theft by residents; paying guests; tenants/their visitors or someone entering through part of home under construction, renovation or alteration
Fire
u0026#149; Covers fire; bushfire; grassfire; and heat, ash, soot or smoke from fire within 100m of addressu003cbru003eu0026#149; Accidental damage option covers heat, ash, soot or smoke from fire over 100m from addressu003cbru003eu0026#149; 72 hour waiting period for bushfire and grassfire
Flood
u0026#149; Optionalu003cbru003eu0026#149; No cover for damage to garden borders, driveways, paths, pavers, gardens, jetties, wharves, pontoons, retaining walls, swimming pool/spa liners or covers or tennis court surfaces/spasu003cbru003eu0026#149; No cover for water in swimming pools/spasu003cbru003eu0026#149; Fences and gates not covered unless in good conditionu003cbru003eu0026#149; 72 hour waiting period
Storm and cyclone
u0026#149; Covers storm; rainwater; escape of rainwater from water pipes, drains or gutters; and wind caused by storms/heavy rainu003cbru003eu0026#149; Covers earth movement but must occur as a result of and within 72 hours of storm/heavy rainu003cbru003eu0026#149; Covers surface run-off rainwater from surrounding areas but must occur within 24 hours of storm/heavy rainu003cbru003eu0026#149; No cover for due to an opening not created by an insured event caused by dust, hail, rain, snow or windu003cbru003eu0026#149; No cover for damage to artificial grass/turf, courts designed for sports with fixed surfaces, garden borders, driveways, paths, pavers, gardens, jetties, wharves, pontoons, retaining walls, swimming pool/spa liners or covers or tennis court surfacesu003cbru003eu0026#149; No cover for water in swimming pools/spasu003cbru003eu0026#149; Fences and gates not covered unless in good conditionu003cbru003eu0026#149; 72 hour waiting period for storm (including cyclone)
Storm surge
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
u0026#149; Covers damage caused by impact from outside the buildingu003cbru003eu0026#149; Includes damage caused by motor vehicles, falling trees, debris from nearby construction sites, power poles, drones or birdsu003cbru003eu0026#149; No cover for damage caused by roots of trees, plants, shrubs or hedgesu003cbru003eu0026#149; No cover for damage caused by lopping or felling of trees if performed or authorised by a resident, unless done by a professional tree removal businessu003cbru003eu0026#149; No cover for damage caused by animals or birds kept at the address; or animals or birds pecking, biting, clawing or chewing your property
Animal damage
u0026#149; Covers impact damage caused by animals/birds not kept at addressu003cbru003eu0026#149; Accidental damage option covers impact damage caused by animals/birds kept at addressu003cbru003eu0026#149; No cover for damage caused by animals/birds biting, chewing, clawing or peckingu003cbru003eu0026#149; No cover for damage caused by insects, lizards, rodents, termites or vermin
Escape of liquid
Breakage
Accidental damage
u0026#149; Optionalu003cbru003eu0026#149; Covers accidental loss and damage to home and contentsu003cbru003eu0026#149; Covers impact damage caused by animals or birds kept at the addressu003cbru003eu0026#149; Covers scorch marks caused by a hot pan on your benchtopu003cbru003eu0026#149; Covers ash, heat, smoke or soot when no fire damage has occurredu003cbru003eu0026#149; Covers melting or scorching when there is heat but no flameu003cbru003eu0026#149; Covers accidental breakage of glass and crystal items designed to be carried by handu003cbru003eu0026#149; Covers accidental breakage of glass in a TV, radio, tablet or visual display unit or that forms part of a radio, clock, vase, ornament or lampu003cbru003eu0026#149; No cover for aircraft, drones or model craft and their accessoriesu003cbru003eu0026#149; No cover for audio or video tapes or clothing or accessoriesu003cbru003eu0026#149; No cover for bicycles; e-bikes; scooters; e-scooters or sporting, recreational or leisure goods or equipment while being usedu003cbru003eu0026#149; No cover for cash, cheques or gift cards or other similar financial itemsu003cbru003eu0026#149; No cover for CDs, DVDs, digital storage devices, records, computer software, game cartridges or game consolesu003cbru003eu0026#149; No cover for items used in business, trade or professionu003cbru003eu0026#149; No cover for mobile phones, smart phones or smart devices or their accessoriesu003cbru003eu0026#149; No cover for swimming pools or spas or any associated equipmentu003cbru003eu0026#149; No cover for damage caused by computer viruses; malfunction to computer systems; loss or corruption of data; tenants living in the home; paying guests staying in the home; intentional or deliberate acts; construction, alteration or renovation work; power surge or fluctuation (unless caused by lightning strike); processes of professional cleaning, repairing, restoring or renovation; or cleaning involving chemicals other than domestic household chemicalsu003cbru003eu0026#149; No cover for other damage caused by animals, birds or their excrementu003cbru003eu0026#149; No cover for burning or scorching caused by cigars, cigarettes or pipesu003cbru003eu0026#149; No cover for chipping, denting or scratching caused by normal use
Claims
Out-of-hours claiming
Online and 24/7 phone
How the insurer can settle your claim
u0026#149; Repair damaged propertyu003cbru003eu0026#149; Replace damaged propertyu003cbru003eu0026#149; Pay you the property's replacement value, up to your sum insured or other sublimits
Cash settlement for building claims
u0026#149; Customer cost if insurer offers cashu003cbru003eu0026#149; Insurer cost if you ask for cash (may be less than retail cost)
Cash settlement for contents claims
u0026#149; Customer cost if insurer offers cashu003cbru003eu0026#149; Insurer cost if you ask for cash (may be less than retail cost)u003cbru003eu0026#149; Insurer may offer non-cash alternatives
New for old contents replacement
1
Building
Motor burnout
u0026#149; Motors up to 10 yearsu003cbru003eu0026#149; Optional
Keys and locks after break-in
Up to $1000 overall
Gardens and landscaping
Costs to comply with building regulations
u0026#149; Up to 10% sum insured overallu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Limit combined with debris removal and professional fees
Professional fees
u0026#149; Up to 10% sum insured overallu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Limit combined with building regulations and debris removal
Mortgage discharge fees
Up to $750 overall
Debris removal and demolition
u0026#149; Up to 10% sum insured overallu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Limit combined with building regulations and professional fees
Temporary accommodation
u0026#149; Up to 12 months or 10% sum insuredu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Covers accommodation for you and your pets
Contents
Cover for unspecified portable contents
u0026#149; Covers some items for accidental loss/damageu003cbru003eu0026#149; Choose overall limit from $1000u0026#150;$5000u003cbru003eu0026#149; Up to $1000 per itemu003cbru003eu0026#149; Covered anywhere in Australia, New Zealand, and for up to 120 days in rest of the worldu003cbru003eu0026#149; $100 excessu003cbru003eu0026#149; Optional
Optional cover for individual portable valuables
u0026#149; Cover for accidental loss/damageu003cbru003eu0026#149; Covered away from home in Australia, New Zealand, and for up to 120 days in rest of the worldu003cbru003eu0026#149; $100 excess
Contents in the open air
u0026#149; Up to sum insured overallu003cbru003eu0026#149; Up to $1000 for theft
Emergency storage
u0026#149; Up to sum insuredu003cbru003eu0026#149; Covers removing/storing contents in commercial storage facility
Jewellery
u0026#149; Up to $5000 overallu003cbru003eu0026#149; Up to $1000 per item or set
Artworks
u0026#149; Up to $25000 overallu003cbru003eu0026#149; Up to $10000 per item or set
Collections (e.g. stamps, coins)
Up to $2000 per item or collection
Digital media
Up to $3000 overall
Spoiled food
u0026#149; Up to $500 overallu003cbru003eu0026#149; Cover for insured eventsu003cbru003eu0026#149; Optional cover for motor burnout
Visitors' contents
Up to $1000 overall
Pet cover
Overlapping cover at a new house
Up to 14 days cover at both addresses
Cover for contents while moving house
u0026#149; Up to 20% contents sum insured overallu003cbru003eu0026#149; Cover for overturning of removal vehicle, collision and fire
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