Home and contents insurance

Accidental damage

Listed events

Accidental damage or accidental loss

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Valuable items
Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, portable music players etc

20% of sums insured or $7,500 whichever is greater

(Up to $2,500 per item)

20% of sums insured or $5,000 whichever is greater

(Up to $2,500 per item)

Optional additional valuables cover
Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)

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Contents at home in the open air

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Up to $2,000 for the events listed

Burning out of electrical motors
for motors up to 15 years old

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Frozen food
Following breakdown of freezer

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Includes accidents

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Up to $500

Vet expenses if your pet is injured in a road accident

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Up to $500

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Up to $500

Flood cover (automatic)

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New-for-old replacement cover (contents)

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Alternative accommodation
Paid in addition to the sum insured
(Up to 10% sum insured)

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Removal of debris and demolishing costs
Paid in addition to the sum insured
(Up to 10% sum insured)

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Architects, surveyors and legal fees
Paid in addition to the sums insured
(Up to 10% sum insured)

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Credit card and transaction card misuse

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$5,000

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$5,000

Replacing keys and recoding of locks and barrels

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No limit

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$1,000

Fine art, paintings and works of art
Up to $20,000 per item unless specified

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CDs, DVDs, Blu-Ray discs and software
Up to $20,000 per item or boxed set

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