Motor Burnout Cover

Added to your home insurance policy, it covers any motor which forms part of your home, such as your automatic garage door motor. If it’s added to your contents insurance, it covers the cost of repairing or replacing an electric motor that’s part of your contents, such as your washing machine. It even covers the cost of food that’s spoiled if your fridge or freezer!


  • The cost to repair or replace the motor on an item that’s included in your home contents if it fuses or burns out wiring
  • Up to $1,000 cover for spoiled food if your freezer or fridge accidentally breaks down, or the public electricity supply fails1

Please note: This is a summary only. For more information on our motor burnout cover and other home insurance policies, you can download our Product Disclosure Statement.

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Fast and simple. the insurance offered was exactly what i needed and the price was fair. the transaction was straight forward to execute as well.

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Initially great, but the promised follow up phone call at a set time and date did not occur.

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Valerie Konya - Rated 5 out of 5

The telephone contact is very good (=experienced cso's); the website for quote is clearly set out (what you are covered for; what is included or extra) i.e. dos not try to trick you; short but meaningful...

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They are easy to deal with and offer very competitive terms. you can pay by the month at no extra cost. you can call to amend something and they are very helpful.

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I changed my policies online and then called up to cancel previous policies - the young man on the phone was so nice and i wish i had remembered his name - nothing was any trouble for him and it was very satisfying...

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Vincenzo Curro - Rated 5 out of 5

Excellent service, what else is there to say. this is our second policy purchase with real insurance. great response time and no complicated number dialing, to speak to a human.

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  1. $1,000 cover applies to Top Cover home and contents policies only. Essential home and contents policies are covered up to $500 only.
  2. 10% saving for online applicants for all new Home/Contents policies, savings in first year only. Additional 10% for a combined Home/Contents policy. Minimum premiums may reduce savings discount.