Contents Insurance

There are two easy ways to save. First, improve security and safety. Items such as deadlocks and monitored burglar alarms can usually bring discounts. Second, raise your excess. You can choose a basic excess from the levels we offer. The levels we offer for Building are between $200 and $2,500 and for Contents between $200 and $1,000. But remember, while your premiums will be cheaper now, you will have to pay more if you ever have to claim.

The amount of insurance cover you select is known as your ‘sum insured’. For contents cover, you should choose a sum insured that equals the amount it would cost you to replace your insured contents at today’s prices. For your home cover, you should choose a sum insured that equals the amount it would cost you at today’s prices to clear the site and rebuild your home, including any fences or fixed structures on the site. This is known as your home’s replacement value, and should not be confused with market value, which includes the cost of the land.

Contact us if you want to change your cover. Changes could include:

• changing your address;
• increasing or decreasing your cover;
• adding listed items;
• taking out ‘Portable Valuables’ cover;
• updating your payment details; or
• cancelling your policy.

You must also contact us if anything changes which might affect the risk we’re insuring. Changing your cover may affect the premium you need to pay.

Home and contents insurance is a common way to guard against financial loss caused by theft or damage to your home and contents. In return for your premium, we may repair or replace your items or pay you a certain sum of money to cover certain losses or damage to your home and contents. The amount we pay for a claim, and the circumstances under which we pay, is subject to the terms and conditions of your contract or policy.

Home and contents insurance also automatically covers your legal liability to pay compensation for death or bodily injury to other parties, or damage to their property. This ‘liability’ cover applies only when you’ve been found negligent and are at fault.

Ensure your contact details and payments details are up to date on your account. ​If details are up to date, your refund will land in your account in the timeframe noted on your notification letter.​

If you have any questions about your refund, call us on 1300 919 583 and we can provide more information or help you update your account details.​

Why do you need payment details from me?​
To refund you, we’ll need a bank account or credit card details to send the money to.​

​Where do I update my payment details?​
Log into My Account to update your details, or give us a call on 1300 919 583.

My policy is no longer active — what do I need to do?​
If your policy is no longer active, but you need to update your payment details, please give us a call on 1300 919 583 and our staff will be able to process the refund over the phone. ​

​What will happen if I don’t respond to your letter or email about a refund?​
To refund you, we’ll need a bank account or credit card details to send the money to.  We encourage you to contact us so that you can receive your refund.

​What can I do if I’m not happy with the refund amount?​
If you’re not happy with the refund amount or have a complaint, please contact us on 1300 919 583.