Fixed sum insured policy. Provided by Suncorp. Available in all states & territories
CHOICE Expert Rating
Good Points
The product's best features and benefits
Bad Points
Drawbacks or issues you need to know about
Unlock our expert review and more
Reviews you can trust
Easy side-by-side comparison
Recommended products at a glance
Recommended products
Results for paid members only
Scores
Results for paid members only
Description
Cover summary
- Up to $20 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents in Australia and New Zealand
Cost
Covered events
- Covers loss and damage caused by thieves and burglars
- No cover for theft by you or residents
- No cover for theft by people who enter the address with consent of you or someone with authority to allow them access
- No cover for theft by people who enter address without signs of forced entry from common property, shared clothes line areas, storage areas, a parking lot within the insured address, or garages
- No cover for theft by people who enter or leave through an unlockable part of home that's under construction
- No cover for theft or loss of contents or proceeds of sale by people authorised to offer your items for sale
- No cover for theft or loss of contents or proceeds of sale due to bankruptcy or insolvency or person authorised to offer your items for sale
- No cover for theft or loss of contents or proceeds of sale when you, or a person you authorised, sell them online
- Covers fire and bushfire
- Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
- No cover for arcing, scorching, melting, cigarette burns unless fire spreads
- No cover for gradual exposure to fire, heat, ash, soot, smoke due to recurring fires over time
- No cover for pollution or vapour from heater or cooking appliance unless fire spreads
- 72 hour waiting period for bushfire
Claims
- Repair damaged items
- Replace damaged items
- Pay you the item's replacement value, up to your sum insured or other sublimits
- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- Insurer may offer non-cash alternatives
Contents
- Up to $5000 overall
- Paid on top of sum insured
- Up to $5000
- Covers packing, unpacking and transporting contents to/from storage
- Up to $100 overall
- Cover for insured events
Looking for user reviews?
We don't offer user reviews anymore. Help us improve this expert review by sharing your feedback in a quick survey.