Keeping a contents checklist will help you understand the correct replacement value of your Home contents and assist you in recovering your stolen goods.
Visit each room in your house and write down the serial or model numbers of valuables as well as how much you paid for them. Better still, take a photograph or use a video camera to record these details.
If you make a home insurance claim, most insurers will need to see your valuations. To be fully covered, you must provide evidence of the value and ownership of items which verifies the insured value of each item of specified contents and specified and unspecified personal effects.
The General Insurance Code of Practice was developed by the Insurance Council of Australia to further raise standards of practice and service across the insurance industry.
We keenly support the standards set out in the Code.
You can obtain more information on the Code of Practice and how it assists you by contacting us directly on 13 1000 or alternatively by visiting the Insurance Council of Australia Limited website.
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For terms, conditions and exclusions of our insurance, please refer to the Product Disclosure Statement (PDS).
We do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision about our insurance please consider the relevant Product Disclosure Statement (PDS) available on this website.
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.
Anywhere in Australia and for a maximum of 35 days in any one period of insurance elsewhere in the world. Only available in conjunction with contents cover.
Option to change your excess
Not available when an imposed excess applies.
The maximum combined total amount we will pay under this benefit and “Removal of debris, professional fees and extra costs” is 10% of the sum insured on the buildings.
New for old replacement
At Allianz's discretion and subject to availability of replacement item.
Domestic workers compensation
Not available in all States or Territories of Australia