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Home /
Contents Insurance

Contents Insurance Comparison

Choose the best contents insurance cover to suit your needs. Get a quote and compare our Comprehensive & Limited Contents options to find out which one is right for you.

Get a quote
Quicklinks
Contents Calculator
Independently provided by Sum Insured
Important

This is an independent tool provided by the company ‘Sum Insured Pty Ltd’ and the estimate produced is not shared with AA Insurance. The calculator does not constitute financial advice and you must make your own decision on the sum insured for your contents insurance that is appropriate for your own personal circumstances.


Information for renters

If you are flatting, you only need to include the value of your own personal items, not property owned by your flatmates.

You can still use the calculator by adjusting your responses to only select the rooms your belongings are in (for example, your bedroom) and the items you personally own.

Information for landlords

If you want to calculate your sum insured for Landlord contents, please refer to the policy document as there is limited cover in this instance.

Launch Contents Calculator
(Independently provided by Sum Insured)
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Canstar Outstanding Value Award winner. *

Awarded by Canstar as the 2023 - 2024 Outstanding Value Award winner. Find out more.

Overview

Two levels of cover

Choose the cover to suit your needs:

Contents

Keep yourself fully protected with our most comprehensive cover. We'll cover your contents if they are lost or damaged by a sudden, unforeseen and accidental event.

Limited Contents

Basic cover to protect your contents against burglary, fire, storm, flood or natural hazard with the option to upgrade your cover on mobile phones and laptops to include theft and accidental damage and loss.

New for old

Get replacements for your contents and valuables at claim time.

Legal liability

If you accidentally damage someone else's property we'll cover you for up to $2 million if you were legally liable.

Helping you save

with higher excesses

More reasons to choose us

Buy, manage, and claim online

New Zealand call centre

Personal Claim Manager

24/7 claims support

Cancel your policy any time

Be mindful of

Check if you have enough cover for your contents with this contents calculator.

This page contains a summary of key benefits. Excesses, terms, conditions, limits and exclusions apply to these policies. Please read the policy document for full details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.

Compare cover

Core insurance protection

Contents

Limited Contents

Contents
Limited Contents

Contents
Limited Contents

Contents
Limited Contents

Peace of mind

Contents

Limited Contents

Contents
Limited Contents

Contents
Limited Contents

Going the extra mile

Contents

Limited Contents

Contents

$3,000 adjustable limit

Limited Contents

$2,500 adjustable limit

Contents

$1,000 limit applies

Limited Contents

$500 limit applies

Away from home

Contents

Limited Contents

Contents
Limited Contents

For loss or damage from burglary, fire, storm or natural hazard only, except for items you choose an optional extra for.

Contents
Limited Contents

Contents
Limited Contents

Optional extras

Contents

Limited Contents

Optional extra:

Contents

Optional extra

Limited Contents

Optional extra:

Contents

Optional extra

Limited Contents

Contents
Limited Contents

Optional extra

Contents
Limited Contents

Optional extra

Because you're with AA Insurance

Contents

Limited Contents

Contents
Limited Contents

Policy documents

Contents Insurance

Read online

Limited Contents Insurance

Read online

Additional documents

Looking for your or ? You can request these through My AA Insurance by navigating to the 'Your documents' section under the relevant policy.

Claiming

If you have been in an accident

First, make sure that everyone is safe and out of danger - call an ambulance, the police or other emergency services departments if necessary.

What to do at claim time

A warning side next to a house.

Make sure your home is safe and secure

If your home has been damaged, make sure everyone involved is safe and, if you need to, call emergency services. For example, if there has been a theft, burglary or vandalism, or an attempt at these, call the police immediately. Once it's safe to do so, you should make sure your home is secure.

A staff at help desk answering a call

Submit a claim

Report your claim online, and one of our Customer Managers will get in touch within five working days. Or call us on 0800 500 216 if your situation is urgent - it will take about 15 minutes to lodge your claim. Let us know if your home is no longer safe or secure.

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We'll get you sorted

A Customer Manager will keep you fully informed about your claim's progress. They will process your claim as quickly as possible, so that you can get back to normal.

Things to keep in mind

A padlock.

Securing and maintaining your contents

You must, at your cost and expense, maintain your contents in good repair, secure your contents, and take all reasonable precautions to prevent loss occurring.

Two receipts next to another.

Proof of purchase

If you need to make a claim on your contents, receipts and valuations are a good way to show what you are claiming on. If you don't have a receipt of valuation, you can also use photos, financial statements or records kept by the shop where you purchased the item.

A gaming controller.

Wear and tear

As our policies are designed to cover sudden and unforeseen damage, we don't cover loss that occurs over time, such as wear and tear.

FAQs

Can't find what you're looking for?

Related articles

Contents insurance for beginners

Contents insurance is a great way to protect yourself and your property against the unexpected. Here's a breakdown of its benefits, how it works and the things you should consider before choosing your cover.

Understanding your sum insured

It's important to understand what ‘sum insured’ means in the context of insurance. Correctly estimating your sum insured and reviewing it regularly will help ensure you have enough cover for your needs. Here's some useful information on the subject.

Choosing between a Comprehensive or Limited Contents Insurance Policy

Learn more about the difference between our two contents insurance policies with real life examples to show you what they cover, and which one may be right for you.

Customer testimonial

Jacinda's story

We put our customers' needs first and pride ourselves on working with them to help eliminate stress and uncertainty.

Fortunately for Jacinda, she had car and contents insurance with us. So when she had to claim on both her car and her phone on the same day, we kept in touch through the entire process. And we sorted both her phone and her car within a week.

"I felt like someone was actually on my side the whole way through"

NZ's most trusted insurer

Thanks for voting us New Zealand's Most Trusted General Insurance provider for 14 years running. Earning your trust is one thing. But keeping it is everything.

Our awards

We put you first

We put our customers' needs first and pride ourselves on working with them to help eliminate stress and uncertainty.

Contact us

Easy, stress-free claims

One of our Customer Managers will guide you through the entire process. They'll keep you fully informed, making sure things stay on track and hassle-free.

Making a claim with us