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Save up to 10% when you buy a new policy online*

  • Up to 30% No Claim Bonus*
  • Combine your building and contents cover on the one policy to receive up to 10% discount*
  • Quick and easy claims service 24/7
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or call us on 13 1000 *Conditions apply Retrieve a quote »

Home Insurance product comparison chart

Covers available for:
Contents
Contents

Effective 23 September 2013

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If you have a claim under this policy we give benefits for:

SureCover Home Insurance Contents cover Get a Quote Get a Quote SureCover Plus Home Insurance Contents cover Get a Quote Get a Quote SureCover Gold Home Insurance Contents cover Get a Quote Get a Quote
Cover for Events such as Fire, Storm, Theft and Earthquake* Yes Yes Yes
Accidental loss or damage No No Yes
Accidental breakage Yes Yes Yes
help Additional cost of temporary accommodation Yes Yes Yes
Automatic indexation of sum insured Yes Yes Yes
help Compensation for death Yes Yes Yes
Contents in safe deposit box at a bank Yes Yes Yes
help Contents in the open air at your risk address Yes Yes Yes
Credit cards - cover for loss or theft Up to $2,500 Up to $5,000 Up to $5,000
help Guests', visitors' and domestic helpers' property Yes Yes Yes
Legal liability cover Up to $10,000,000 Up to $20,000,000 Up to $20,000,000
Replacement of locks and cylinders Up to $1,000 Up to $1,000 Up to $2,000
help Security firm attendance Yes Yes Yes
Temporary removal of contents from your risk address Up to 20% of contents sum insured with sub-limits for selected contents Up to 20% of contents sum insured with sub-limits for selected contents Up to 20% / $7,500 of contents sum insured with sub-limits for selected contents
Title deeds Yes Yes Yes
help Veterinary costs Yes Yes Yes
Fusion of electric motors No Motors up to 10 years old Motors up to 12 years old
help Spoilage of perishable food No Up to $500 No specified limit
Legal defence costs No No Yes
Tax audit No No Yes
Transit to your new place of residence No No Yes

* For a full list of events covered by each of SureCover, SureCover Plus and SureCover Gold see the relevant PDS.


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Product Disclosure Statement

For terms, conditions and exclusions of our insurance, please refer to the Product Disclosure Statement (PDS).

Key Facts Sheet

Conditions apply
Any online discounts offered are applied to our standard rates (excluding optional covers) and apply to the first year’s premium (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via our Contact Centre.
Minimum premiums may apply
Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts my not be applied to the premium for optional covers such as Flood and Personal Effects (where applicable).
Minimum premiums may apply
Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts my not be applied to the premium for optional covers such as Flood (where applicable).
Home Insurance discounts
Up to 40% discount is made up of three discounts. First discount is up to 30% No Claim Bonus, second discount is up to 10% discount for combining buildings and contents covers on the one policy and the third discount is up to 10% discount for buying online. Discounts may not be applied to any Flood or Personal Effects components of the premium (if applicable).
30% No Claim Bonus
To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However, customers who have had up to two claims in the preceding five years may still qualify for reduced No Claim Bonus.
30% No Claim Bonus
To qualify for the maximum No Claim Bonus of 30%, landlords must have had no landlord losses in the preceding three years. However landlords who have had up to two claims may still qualify for reduced No Claim Bonus.
Cost per Day
Cost per day is based on the average annual premium paid between 1/1/14 and 18/5/14 by new Renter’s Insurance customers insuring $60,000 of contents cover only under SureCover Home Insurance. Excludes optional covers such as Flood and Personal Effects. Individual premiums may vary depending on rating factors such as suburb, insured age and claims history.