Sum insured policy. Provided by Allianz. Available in ACT, NSW, Qld, SA, Tas, Vic & WA
CHOICE Expert Rating
Good Points
The product's best features and benefits
Bad Points
Drawbacks or issues you need to know about
Unlock our expert review and more
Reviews you can trust
Easy side-by-side comparison
Recommended products at a glance
Recommended products
Results for paid members only
Scores
Results for paid members only
Description
Cover summary
- Up to $20 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents worldwide
Cost
Covered events
- Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
- Covers theft by tenants who rent a separate dwelling at the address
- Covers contents in a locked storage cage in the basement of a strata title development
- Up to $500 for security firm attendance fees
- No cover for theft by you or residents
- No cover for theft by people acting with your express or implied consent
- No cover for theft by people employed at the home
- No cover for theft by people you or a resident invite into home
- Does not cover contents in common areas of multiple occupancy residences
- Covers fire and bushfire
- Also covers damage caused by smoke
- Accidental damage option adds cover for scorching and/or melting
- No cover for scorching and/or melting not the direct result of fire
- No cover for damage arising gradually out of repeated exposure to fire or smoke
- No cover for items designed to be exposed to heat during normal use
- 72 hour waiting period for bushfire and grassfire
Claims
- Repair damaged items
- Replace damaged items
- Pay you the item's replacement value, up to your sum insured or other sublimits
- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- Insurer may offer non-cash alternatives
Contents
- Covers some items for theft and accidental loss/damage
- Choose overall limit from $1000–$7500
- Choose limit from $500–$2000 per item
- Covered anywhere in Australia, and for up to 120 days in rest of the world
- $100 excess
- Optional
- Cover for theft and accidental loss/damage
- Covered anywhere in Australia, and for up to 120 days in rest of the world
- $100 excess
- Up to $2000 overall
- Covers contents intended to be kept outside
- Up to 12 months or 10% sum insured
- Paid on top of sum insured
- Covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
- Up to $500 for pet boarding
- Up to 10% sum insured overall
- Paid on top of sum insured
- Up to 12 months
- Covers moving/storing undamaged contents
- Motors up to 10 years
- Optional
- Up to $7500 overall
- Up to $2500 per item, set or collection
- Up to $7500 overall
- Up to $2500 per item, set or collection
- Up to $7500 overall
- Up to $2500 per item, set or collection
- Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
- Up to $500 for natural disaster
- Up to $500 overall
- Cover for road accident injury
- Up to sum insured overall
- Up to $2000 for contents in locked basement storage cage
- Covers fixtures/fittings/structural improvements not insurable by the body corporate
- Covered fixtures include fixed ceiling/wall/floor coverings, fixed blinds/awnings, built-in furniture, clothes lines, built-in barbeques, air conditioners, heating systems, ovens, dishwashers, hot water systems, fixed ceiling fans, light fittings, plumbed in refrigerators, solar panels and satellite dishes/antennas
- Up to contents sum insured overall
- Included in optional accidental damage cover
Looking for user reviews?
We don't offer user reviews anymore. Help us improve this expert review by sharing your feedback in a quick survey.