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Contents insurance comparison.

If you are looking to purchase contents cover only, the following table may assist you in deciding which home insurance product best suits your needs.

If you are looking to purchase buildings cover only, please refer to the buildings cover comparison. If you are looking to purchase both buildings and contents covers, please refer to the buildings and contents cover comparison.

 

vital

Vital

  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Flood (optional, subject to eligibility)
  • Impact damage
  • Lightning or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage
classic

Classic

  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Flood (optional, subject to eligibility)
  • Impact damage
  • Lightning or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage
prestige

Prestige

Any accidental loss or  damage unless specifically excluded (Flood cover is optional, subject to eligibility)

 

 

Other features and benefits included as standard:

 

Vital Home Insurance

Classic Home Insurance

Prestige Home Insurance

Legal liability cover

Up to $10,000,000

Up to $20,000,000

Up to $20,000,000

Fusion (burnout of electric motors)

Motors up to 10 years old

Motors up to 12 years old

Credit cards - cover for fraudulent use or lost or stolen cards

Up to $2,500

Up to $5,000

Up to $5,000

Guests', visitors' and domestic helpers' property

Up to $5,000

Up to $5,000

Up to $5,000

Spoilage of refrigerated / freezer food

Up to $500

 Up to contents sum insured

 

However, if the event causing the spoilage of perishable food is declared a natural disaster by the government or the Insurance Council of Australia, the maximum amount payable under this benefit is $500.

Compensation for fracture

Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance

Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance

Temporary removal of contents from your risk address

Up to 20% of contents sum insured with sub-limits for listed contents:(a)while kept inside where you are temporarily residing; or(b)anywhere else in Australia or NZ but excluding theft.

Up to 20% of contents sum insured with sub-limits for listed contents:(a)while kept inside where you are temporarily residing; or(b)anywhere else in Australia or NZ but excluding theft.

- Up to 20% of contents sum insured with sub-limits for listed contents, while kept inside where temporarily residing; or

- Up to $7,500 for contents anywhere else in Australia or NZ.

 

Landscaping

Up to $2,000

Up to $5,000

Tax audit

Up to $5,000

Up to $5,000

Legal defence costs

Up to $5,000

Transit to your new place of residence

Veterinary costs -up to $500

Replacement of locks and cylinders

Up to $1,000

Up to $1,000

Up to $2,000

Security firm attendance - up to $500

Contents in the open air at the risk address(Sub-limits apply for selected contents based on events causing loss/damage – see PDS for details)

Emergency storage of contents

Automatic indexation of sums insured

Compensation for death – $10,000

Contents in a safe deposit box (excludes cover for theft)

Up to $250 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents. Sub-limits apply for selected contents

Up to $500 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents

Sub-limits apply for selected contents

Up to $1,000 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents

Sub-limits apply for selected contents

Environmental benefits when rebuilding after a total loss – up to $5,000

Mortgage discharge costs - up to $5,000

Up to $5,000

Up to $5,000

Up to $5,000

Modifications to buildings for paraplegia or quadriplegia – up to $10,000

Title deeds

Optional extras (an additional premium applies).

additional premium

Combined Home and Contents

Unspecified Personal Effects cover – Accidental loss or damage cover for portable contents items: - anywhere in Australia; and - for up to 35 days overseas

Available only in conjunction with contents cover.

Covers any of the following contents items up to the ‘per item’ and ‘per claim’ limits you select:

  1. travellers’ suitcases and bags, handbags, briefcases, wallets and purses (but not the contents of these items);
  2. clothing;
  3. jewellery, watches or items containing silver or gold;
  4. cosmetics and toiletries;
  5. clocks;
  6. sporting equipment (but not watercraft, camping equipment or motor or trail bikes);
  7. musical instruments;
  8. photographic or video equipment;
  9. binoculars or telescopes;
  10. writing instruments;
  11. spectacles and sunglasses;
  12. personal audio and video equipment and up to four cassettes or discs (DVD, CD or Mini Discs) used with the equipment;and
  13. pocket calculators and personal organisers (but not portable or handheld computers)

Some exclusions:

  • No cover is provided for any item used for business, trade or professional purposes.
  • We will not pay for damage to glass (other than lenses) or other brittle or fragile substances (other than jewellery) unless caused by fire or theft.

Specified Personal Effects cover – Accidental loss or damage cover for portable contents items:

- anywhere in Australia; and

- for up to 35 days overseas

Available only in conjunction with contents cover.

Can cover:

  1. portable contents items included under Unspecified Personal Effects if their replacement value exceeds the maximum limits offered under Unspecified Personal Effects;
  2. portable contents items which are not included in the list of items coverable under Unspecified Personal Effects (e.g. mobile phones, laptops, tablets, high value jewellery items).

We will not pay for damage to glass (other than lenses) or other brittle or fragile substances (other than jewellery) unless caused by fire or theft.

Domestic Workers’ Compensation cover

Only available in the ACT, WA and TAS.

Covers the amount you are liable to pay if you employ a domestic worker such as a gardener or cleaner, and they are injured while working for you.

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Vital Home Insurance, Classic Home Insurance and Prestige Home Insurance Product Disclosure Statements (PDS).  Review the Key Facts Sheets for home buildings  and/or contents cover.

Applying for cover online is fast and easy.

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The fine print

Any advice on this insurance is provided by AHL Investments Pty Ltd ABN 27 105 265 861 AR No. 338358 (Aussie) and not its franchisees or brokers who are not authorised to provide any financial product advice. Any advice on this insurance is not based on any consideration of your objectives, financial situation or needs.

This insurance is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence No. 234708 (Allianz) of Level 12, 2 Market Street, Sydney and is marketed by AHL Investments Pty Ltd ABN 27 105 265 861 (Aussie) of Level 28, 225 George Street, Sydney as an Authorised Representative AR 338358. Aussie, their franchisees and brokers are authorised to arrange and / or refer you to Allianz for this insurance as agent for Allianz.

Policy terms, conditions, limits, exclusions and underwriting criteria apply. this is general advice only, and does not take into account your particular financial situation or needs. You should consider your personal objectives along with the Product Disclosure Statement before deciding on this product (Home Vital, Home Classic, Home Prestige, Landlord).

If you purchase this insurance, Aussie will receive a commission that is a percentage of the premium. Where the policy is arranged by an Aussie franchise or an Aussie broker, they will receive part of the commission. If the agreed premium threshold is met, Aussie will also receive a percentage of the profit which exceeds the agreed profit threshold on Home (excluding flood), Landlord (excluding flood), Motor and Caravan and Trailer policies arranged or referred by it or its brokers to Allianz (or renewed with Allianz) in each calendar year. From 2018, Aussie will also be reimbursed by Allianz for marketing costs incurred by it to promote Allianz’s products. This will be capped at a percentage of the premium earned on Home, Landlord, Motor and Caravan and Trailer policies arranged or referred by it or its brokers to Allianz (or renewed with Allianz) in the previous calendar year. Ask us for more details before we provide you with services.

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Aussie is a trade mark of AHL Investments Pty Ltd. Aussie is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. © 2019 AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786.