Home Contents Insurance
We offer you a choice of Home Contents cover - ‘Prestige’ – a policy which covers you for 'defined events' and 'accidental loss or damage' or ‘Classic’ cover – a policy which covers you for ‘defined events’ only.
If you wish to insure your contents and your home building, consider our Home Building & Contents insurance.
Both ‘Prestige and ‘Classic’ Home Contents cover protects property that belongs to you for which you are legally responsible. This may include fixtures and fittings you have installed or which are owned by you that are not covered by another insurance policy - for example a landlord or body corporate policy.
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‘Prestige’
Contents
(Defined Events & Accidental Loss or Damage) |
‘Classic’
Contents
(Defined Events) |
Protection for Contents
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- ‘New for old’ replacement
- Legal liability up to $20 million
- Automatic annual adjustment of sum insured
- Loss or theft of credit cards up to $5000
- Loss or damage to visitor’s property up to $5000
- Cover continues to apply when contents are temporarily removed from risk address
- Home computer & office equipment up to $10,000
- Compensation for death cover up to $10,000 following housebreaking or fire
- Compensation for bone fracture (in Australia) up to $3000
- Veterinary costs up to $500
- Reinstatement of sum insured after loss
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| Flexible payment options |
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- Pay monthly from an account (for no additional policy fee****) OR pay the total
- Premium by cash, cheque, credit card (or
BPAY® on renewal)
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| Insurance Discounts & Savings |
| Save on your
Home Contents and Motor Vehicle Insurance Premium with 'Widecover
Insurepac' |
| Flexible excess options |
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| Nominate a higher claim excess and your annual premium will be reduced |
| Claims |
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| Speedy claims service |
| Accidental loss or damage to contents |
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| Theft of cash |
up to $1000 |
up to $500 |
| Fusion of electric motors in household items |
up to 12 years old |
up to 10 years old |
| Spoilage of refrigerator/freezer food |
no limit |
up to $500 |
| Contents in transit |
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| Temporary removal of contents from your risk address |
covers contents temporarily
removed from the risk address to another location (within Australia
or New Zealand only) for a maximum period of up to 90 days - subject
to limits. |
| Personal Effects cover for accidental
loss or damage to clothing, jewellery, watches, binoculars, spectacles, ‘leisure-use’ sporting
equipment, photographic equipment, and luggage |
anywhere in Australia
and for 35 days in any one period of insurance elsewhere in the world
- limits apply. This is an additional cover that can be purchased. |
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This is a summary of features only – full details of cover, limits and exclusions are available in the relevant Product Disclosure Statement.
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The total premium may vary due to rounding - if debiting from a non-Wide Bay Australia account - the other bank may charge fees.
This insurance is available from Wide Bay Australia Ltd ABN 40 087 652 060 (AFSL: 239686) ("Wide Bay Australia Widecover"). In offering this insurance we act as an agent of Allianz Australia Insurance Ltd ABN 15 000 122 850 (AFSL: 234708) ("Allianz") - not as your agent. Allianz is the underwriter of this insurance. To help you make an informed decision about whether to acquire an Allianz insurance product through Wide Bay Australia Widecover you should read our Wide Bay Australia Financial Services Guide (PDF, 187KB) and the Product Disclosure Statement. We do not provide advice about the policy based on any consideration of your personal objectives, financial situation or needs.
To decide if it is right for you please carefully read the “Prestige” (PDF, 264KB) or “Classic” (PDF, 257KB) Home Product Disclosure Statement (PDS) and Flood Supplementary PDS (where applicable).
Please note - Flood SPDS only applies in relation to persons with homes/situations/risk addresses for which we offer the flood cover option.
BPAY® is a trade mark of BPAY Pty Ltd (ABN 69 079 137 518)
