Essential contents insurance
Includes new for old replacement on most contents to help you sleep easy, and pay by the month premiums, so you don’t strain the wallet.
-
Buy online and save up to 10%†
-
Essential contents insurance from only $0.95 per day*
-
Pay by the month at no extra charge
-
14 day cooling off period
-
Flexible cover where you can choose your own level of excess and optional extra cover
-
New for old replacement where possible
-
24hr online claims service
Hopefully nothing ever happens. But considering recent worldwide events, we think it’s better to have a back up plan just in case.
Essential contents protects you against the following:
- Theft
In 2009-10 over 350,000 homes were burgled in Australia. But the scary stat is, only 67% of Australians have some form of contents insurance.
- Fire and explosion
Protects your contents against bushfire and electrical fires.
- Earthquake
On average, Australia has 200 earthquakes a year measuring 3.0 or more.
- Lightning
In the event a lighting strike burns or shorts out an electrical appliance.
- Storm, rainwater and flood*
In Queensland during 2011, more than seventy towns and over 200,000 people were affected by the floods.
- Malicious damage, including vandalism
Covers your things against intentional damage by others.
- Impact, like a falling tree or motor vehicle
Like a tree falling on your house.
- Bursting, leaking discharging or overflow of liquids
Covers you if a pipe bursts in the walls and damages your belongings.
- Riots, civil commotion or industrial unrest
Covers your things against damage or theft during civil unrest.
You'll be surprised to discover that our basic cover is anything but basic.
Essential contents also covers:
- Accidental glass breakage
For things like shower screens, basins, and glass fixtures.
- Legal liability to another party
Not often considered, but very important. Covers you for death, injury or property damage to someone else caused by your negligence.
- Your contents while moving at both addresses
Protects your things at your old place and your new place for 14 days.
- Contents temporarily removed from your home
For when you’re at a hotel, motel, nursing home or in hospital.
- Your contents while in storage
We’ll cover your contents even if they are in storage. Additional approvals needed.
- Contents outside your home
For things like your BBQ and outdoor furniture.
- Contents in your home office
Cover for things like your computer, printer, desk and stationery.
For even more benefits check out our
Top Cover
Questions are good. It’s how you find out more, and how we improve our service. To see if we’ve already answered your question,
click here.
If you like to make sure every box is ticked, then our optional extras are for you.
For added peace of mind, add these options to your cover:
- Personal Property Australia Wide
For your extra valuable things like watches, cameras and jewellery.
- Accidental loss and damage
We’ve all accidentally broken something. Now you can cover yourself against it.
- Motor burnout
Covers things like your dryer or air-conditioner from an electrical surge.
- Food spoilage
We’ll help you restock, should your freezer or fridge fail.
Please read our
Product Disclosure Statement (PDS) for full cover details, conditions, limitations and exclusions before you purchase.
† Offer only valid for new home or contents insurance policies bought online which will receive a discount of up to 10% off the premium. Purchase a combined home and contents insurance multi-policy online to receive a further discount of up to 10% off the undiscounted premium.
*Prices are based on the average per day cost of our Essential Cover contents insurance policies.