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Contents Insurance

We’ll cover you for accidental loss to your contents during the period of insurance while they are at your home and anywhere in New Zealand if they are temporarily away from your home for use.

Overview

Featured Policies

Standard

Comprehensive

Main Benefit

Standard

Replacement value up to the sum insured or the specified item limit (please see specified item value limits).

Comprehensive

Replacement value up to the sum insured or the specified item limit (please see specified item value limits).

Legal Liability

Standard

$2,000,000 for loss to other people’s property;

$1,000,000 for accidental bodily injury.

Comprehensive

$2,000,000 for loss to other people’s property;

$1,000,000 for accidental bodily injury.

Change of Address

Standard

Up to the sum insured for up to 30 days from when you move.

Comprehensive

Up to the sum insured for up to 30 days from when you move.

Contents in Commercial Storage

Standard

The most you’ll be paid under this additional policy benefit is the sum insured or $20,000, whichever is the lesser.

Comprehensive

The most you’ll be paid under this additional policy benefit is the sum insured or $50,000, whichever is the lesser.

Home Office

Standard

$15,000 for any one event if the loss occurs at the home; or

$3,000 for any one event if the loss occurs when the furniture or equipment is temporarily away from the home.

Comprehensive

$15,000 for any one event if the loss occurs at the home; or

$3,000 for any one event if the loss occurs when the furniture or equipment is temporarily away from the home.

Overseas Travel

Standard

Not available

Comprehensive

Up to $5,000 for all events during the period of insurance.

Hidden Gradual Damage

Standard

Up to $3,000 for all events during the period of insurance.

Comprehensive

Up to $5,000 for all events during the period of insurance.

Optional Benefits

Excess-Free Spectacles or Contact Lenses

Standard

Yes

Comprehensive

Yes
Policy Wordings Post 1st July 2024
Standard Cover
Comprehensive Cover
Policy Wordings Pre 1st July 2024
Standard Cover
Comprehensive Cover

FAQ

Do I need to list high-value items on my policy?

There are items which are valued over a certain limit such as jewellery, bikes, and artwork that need to be listed separately on your policy as a specified item. You are able to view the items and sublimits in the policy wordings and notify your adviser or Blanket directly if you need an item added to your policy.

Are my contents covered while they are outside of the house?

We’ll cover you for accidental loss to your contents during the period of insurance:
> while they are at your home; and
> anywhere in New Zealand if they are temporarily away from your home for use.

Do I need to keep receipts and valuations for my items?

It’s a good idea to keep your receipts or valuations for items as proof of purchase. If you have an item listed as a specified item then it is recommended that you have a recent valuation no older than 3 years old. Another way of keeping records as proof of purchase is to take photos of your items, however this does not show the value of the item.

Need to make a claim?

Select your claim type below and complete the form online. You can also call our claims support team on 0508 252 653.

Make a Claim