Limited Contents Insurance
Trust our award-winning service to be there for you when you need us most. Protect the things you value from burglary, fire, storm, flood and natural hazard.
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.
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.
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.
Voted Most Trusted General Insurer by New Zealanders for 16 years running
Compare cover
$3,000 adjustable limit
$2,500 adjustable limit
For loss or damage from burglary, fire, storm, flood or natural hazard only, except for items you choose an optional extra for.
At a glance
Protect the things you value
Cover for loss or damage to your contents caused by burglary, fire, storm, flood or natural hazard.
Business tools and equipment
Business tools and equipment are covered for up to $2,500 per event. For full business cover, please see our Small Business Insurance
Like for like
If something you own is stolen or damaged beyond repair, we'll do our best to replace it with a like-for-like item, or the nearest available equivalent.
Helping you save
Legal liability
If you accidentally damage someone else's property we'll cover you for up to $2 million if you were legally liable.
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
Optional extras
Mobile phone cover
You can choose to add cover so that your mobile phones will be covered for theft, accidental loss and accidental damage.
Laptop and tablet cover
You can choose to add cover so that your laptops and tablets will be covered for theft, accidental loss and accidental damage.
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.
Customer testimonial
Sharnye's story
Sharnye opens up about the devastating fire that damaged her belongings and how we helped guide her and make her feel supported during an uncertain time.
In this 4‑part series, Sharnye shares a few key things she learned about contents insurance after this experience.
FAQs
Is my partner covered under my contents policy?
Yes, if your partner lives with you, your Contents Insurance will cover their belongings. Read More
Do I need receipts or valuations for all of my contents?
If you need to make a claim, receipts and valuations are a good way to confirm proof of ownership and are an easy tool to show the details of what you're claiming on. Read More
Policy documents
Additional documents
Looking for your Certificate of Currency or policy schedule? You can request these through My AA Insurance by navigating to the 'Your documents' section under the relevant policy.
Making a claim
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
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.
Submit a claim
Report your claim online, and one of our Customer Managers will get in within two working days, if not sooner. This may take longer for claims made over the weekend, on a public holiday, or during a high-demand weather event. 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.
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
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.
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.
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.
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.
NZ's most trusted insurer
Thanks for voting us New Zealand's Most Trusted General Insurance provider for sixteen years running. Earning your trust is one thing. But keeping it is everything.
We put you first
We put our customers' needs first and pride ourselves on working with them to help eliminate stress and uncertainty.
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.
Financial strength rating
AA Insurance Ltd has an AA- (Very Strong) Insurer Financial Strength Rating given by S&P Global Ratings. This rating expresses their opinion about the ability and willingness of a company to meet its financial obligations in full and on time.