Compare contents 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

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

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.