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Monday to Friday, 8am to 7pm, AEST
Saturday, 9am to 5pm, AEST

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Top Cover

Essential Cover

Landlord's Cover

Save up to 30% when you buy online.1

Yes

Yes

No

Pay by the month at no extra cost

Yes

Yes

Yes

14 day money-back guarantee2

Yes

Yes

Yes

Choose your level of excess to keep premiums low

Yes

Yes

Yes

24 hour claims

Yes

Yes

Yes

New for old replacement

Yes

Yes

Yes

Replacement of insured items stolen from inside your home

Yes

Yes

Yes

Replace items and repair damage caused by a fire or explosion

Yes

Yes

Yes

Replace items and repair damage caused by earthquake, lightning, storm and rainwater

Yes

Yes

Yes

Replace items and repair damage caused by the bursting, leaking, discharging or overflow of water

Yes

Yes

Yes

Replace items and repair damage caused by the bursting, leaking, discharging or overflow of water

Yes

Yes

Yes

Replace items and repair damage caused malicious damage, impact, riots, civil commotion or industrial unrest

Yes

Yes

Yes

Accidental breakage of glass

Yes

Yes

Yes

Accidental damage to your insured home or contents

Yes

No

No

Cover for contents in approved storage

Yes

Yes

No

Contents outside your home

Yes

Yes

Yes

Contents in your home office

Yes

Yes

No

Emergency accommodation

Yes

Yes

No

Replacement of locks

Yes

Yes

No

Legal liability3

Yes

Yes

Yes

Please note: This is a summary of our home and contents insurance policy features and benefits. For full details and to decide which cover is right for you, you must read our Product Disclosure Statement.

Save up to 30% when you buy online1

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  1. This is a first year offer only and valid for new home or contents insurance policies purchased to 31 October 2014, which will receive up to a 20% discount 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. Minimum premiums apply.
  2. Cancel your policy within 14 days without making a claim and get your money back.
  3. If you're sued for negligence or damage, you're covered for homeowners liability (home and contents policies) or personal liability (contents only policies).