Sum insured policy. Provided by IAG. Available in Victoria
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
- Nominate a sum insured for your contents
- Specify a sum insured for each item worth more than $10000
- Up to $20 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents in Australia
Cost
Covered events
- Covers loss and damage due to theft and attempted theft
- Up to $1000 for any cost you must pay to a credit card organisation if your card is stolen from your home and used without your consent
- No cover for theft by you or residents
- No cover for theft by people who enter site with consent of you or a resident
- Covers fire and bushfire
- No cover for scorching or melting where there is no flame
- No cover for fire started with the intention to cause damage by due to the insured or residents
- Waiting period length not disclosed in PDS 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
- Insurer may offer non-cash alternatives
Contents
- Covers some items for theft and accidental loss/damage
- Nominate a limit per item group for clothing, accessories and luggage; glasses and medical items; jewellery and watches; portable electronic devices; sporting items; and wheelchairs, scooters and other mobility aids
- Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
- Contents excess applies
- Optional
- Cover for theft and accidental loss/damage
- Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
- Contents excess applies
- Up to 12 months
- Paid on top of sum insured
- Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
- Up to 12 months
- Covers removing/storing contents
- Motors up to 15 years
- Optional
- Up to $500 overall
- Cover for interruption of electricity supply caused by insured event
- Optional cover for motor burnout
- Up to sum insured overall
- Covers built-in furniture/cupboards, stoves, hot water services, shower screens, paint/wallpaper, built-in air-conditioners, fixed awnings, solar panels, carpets and floating floorboards
- Does not cover items insured by owners corporation or common property
- Up to contents sum insured overall
- Cover for fire, collision and theft from removal vehicle
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.