Contents Insurance

Compare contents insurance at a glance

If you are looking to purchase contents cover only, the following table may assist you in deciding which 1300 Insurance Home Insurance product best suits your needs.

If you are looking to purchase buildings cover only, please refer to the buildings cover comparison table here.

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

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 Statement (PDS).

Vital Classic Prestige
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Key Features

Events Covered

Insured Events

  • 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

Insured Events

  • 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

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

Automatic indexation of sums insured

Compensation for death

$10,000 $10,000 $10,000

Compensation for fracture (Limits apply depending on the bone(s) fractured – see PDS for details)

-

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

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

Contents in a safe deposit box at a bank (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.

Credit cards - cover for use of lost or stolen cards

Up to $2,500

Up to $5,000

Up to $5,000

Emergency storage of contents

Yes

Yes

Yes

Guests', visitors' and domestic helpers' property

Up to $5,000

Up to $5,000

Up to $5,000

Tax Audit

-

Up to $5,000

Up to $5,000

Legal Defence Costs (if approved by insurer)

- -

Up to $5,000

Transit to your new place of residence

- -

Yes

Fusion (burnout of household electric motors)

-

Motors up to 10 years old

Motors up to 12 years old

Legal liability cover

Up to $10,000,000

Up to $20,000,000

Up to $20,000,000

Replacement of locks or cylinders

Up to $1,000

Up to $1,000

Up to $2,000

Security firm attendance

Up to $500

Up to $500

Up to $500

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 we will pay under this benefit is $500.

Temporary removal of Contents from your risk address

Up to 20% of contents sum insured with sub-limits for listed contents:

  • while kept inside where you are temporarily residing; or
  • 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 you are temporarily residing; or
  • Anywhere else in Australia or NZ but excluding theft.
  • Up to 20% of contents sum insured with sub-limits for listed contents, while kept where you are temporarily residing; or
  • Up to $7,500 for contents anywhere else in Australia or NZ.

Title deeds

Up to $2,000

Up to $2,000

Up to $2,000

Veterinary costs

Up to $500

Up to $500

Up to $500

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By proceeding to get a quote, you agree to receive the Financial Services Guide (FSG) on this website.

Important Information

1300 Insurance Pty Ltd ABN 50 124 845 727 AR Number 327609 is authorised to arrange and provide written general advice on this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz). We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply.

Before making a decision, please consider the relevant Product Disclosure Statement available here. If you purchase this insurance, we will receive a commission that is a percentage of the premium. We will also receive a percentage of the profit which exceeds the profit threshold on Home (excluding flood), Landlord (excluding flood), Motor and Caravan and Trailer policies arranged or referred by us (or renewed with Allianz) in each calendar year, provided that the relevant premium threshold is met for those policies and Business insurance policies that we refer to Allianz. From 1 September 2018, we will also receive an annual marketing allowance from Allianz for promoting its products. This is calculated as a percentage of the premium on Home, Landlord, Motor, Caravan and Trailer and Business insurance policies arranged or referred by us to Allianz in the previous 12-month period. Ask us for more details before we provide you with services.