Contents Insurance

Works of art, pictures, tapestries, rugs and antiques

$3,000 any one item

$5,000 any one item

Jewellery and Watches

$3,000 per item of jewellery or watch, up to a maximum of $6,000 in any one event

$5,000 per item of jewellery or watch, up to a maximum of $15,000 in any one event

Furnishings, carpets, floor coverings and blinds

Replacement if less than 10 years old

Replacement

Home Office equipment: includes office furniture, computer and peripheral equipment, facsimile machine, photocopier and stationery

Up to $10,000 for any one event

Up to $20,000 for any one event

Computer hardware and software

$5,000 in total

$5,000 in total

Cell phones or communication devices

$500

$1,000

Watercraft (Restricted to kayak, sailing dinghy, canoe, surf ski or surf board)

$1,000 in total

$5,000 in total

Bicycles

$3,000 in total

$5,000 in total

Motor parts and accessories while detached from any vehicle, motorcycle, moped, mini bike, go cart (unless it is a mobility scooter or wheelchair for personal use only)

$1,500 in total

$2,000 in total

Mobility Scooter, wheelchair, ride on toy or garden implement

$1,500 in total

$5,000 in total

Fusion

Cover is for the actual burning out of motor

Cover is for the actual burning out of motor

Spoilage of Frozen Food

$1,000 in total

$1,000 in total

Credit cards

$500 in total

$1,000 in total

Replacement locks and keys

Not covered

Up to $1,000 to replace or alter locks and keys to your home which are stolen

Tenants Liability

$1,000,000 - Defined Perils Only

$1,000,000 - Comprehensive

Inflation adjustment (Automatic Indexation)

Yes

Yes

Household Removal

Not covered

Up to $50,000. Any payment under this benefit comes within the sum insured shown in the policy schedule or renewal and is not in addition to it.

Temporary Accommodation

12 months accommodation; or 25% of the sum insured; or $15,000 whichever is the lesser

12 months accommodation; or 25% of the sum insured; or $25,000 whichever is the lesser

Security Firm attendance

No excess will be applied to your claim where you have a monitored intruder alarm that was triggered by an intruder

No excess will be applied to your claim where you have a monitored intruder alarm that was triggered by an intruder

In addition, we will reimburse the security call out fee, where not recoverable under any other policy

Voluntary Giving Protection

$500 any one period of insurance where you have been retrenched from full time employment

$500 any one period of insurance where you have been retrenched from full time employment

Geographical Limits

New Zealand

New Zealand

Loss, damage or theft anywhere in New Zealand

Yes

Yes