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Insuring your mobile away from home
To insure your mobile phone when it’s outside your house, you can add optional Portable Contents to your Contents Insurance.
Portable contents can cover your phone and other portable valuables like jewellery or cameras for loss or damage caused by theft or accident. You’ll need to list your mobile phone as Listed Portable Contents on your policy if it’s worth more than $1,000. Phones valued under $1,000 can be listed as Unlisted Portable contents.
How do I get optional Portable Contents cover for my phone?
You'll need to take out either Home and Contents, Contents, or Renters Insurance. You'll need to select contents, when completing your quote, you then have the option to also add Portable contents following these two steps.
- Select Portable Contents.
- If your phone is worth more than $1,000, add its value under Listed Portable contents. Phones valued under $1,000 can be listed as Unlisted Portable contents.
If you already have Home Contents cover with us, and would like to add the Portable Contents option, contact us.
What our Home Contents Insurance covers for phones
Under Home and Contents or Renter Insurance, your phone is covered against:
- Loss or damage due to insured events, like theft or fire1, at your home only;
If you add optional Portable Contents cover to your Contents Insurance, your phone is covered against:
- Loss or damage due to theft or an accident anywhere in the world, with cover outside of Australia limited to 90 continuous days
Note: We won’t cover cracked glass or screens, where that’s the only damage to your phone.
Is my phone covered in Australia and when I’m travelling overseas?
If you have Contents Insurance and have selected the Portable Contents option, you’re covered anywhere in Australia. With Portable Contents selected, you’re also covered overseas for up to 90 continuous days.
Is accidental damage or losing my phone covered by insurance?
You’ll need to list your mobile phone as Listed Portable Contents on your policy if it’s worth more than $1,000. Phones valued under $1,000 can be listed as Unlisted Portable contents.
This is a summary only of some of the features and benefits available on Allianz Home Insurance, as well as some of the exclusions. Before deciding on a policy, carefully consider the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the standard terms, conditions, limits and exclusions. To see some of the events covered and not covered by our Home and Renters Insurance, refer to our Key Fact Sheets (KFS).
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Disclaimer
This article has been prepared by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL234708 ("Allianz"). In some cases, information has been provided to us by third parties and while that information is believed to be accurate and reliable, its accuracy is not guaranteed in any way.
Any opinions expressed constitute our views at the time of issue and are subject to change. Neither Allianz, nor its employees or directors give any warranty of accuracy or accept responsibility for any loss or liability incurred by you in respect of any error, omission or misrepresentation in this article.
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*Conditions apply
- 72-hour exclusion period may apply
We may not provide cover for any loss of or damage to your property caused by cyclone, flood, flood water combined with run-off and/or rainwater, grassfires and bushfires during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.
Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.
Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.
Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.