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 disaster.
Canstar Home and Contents Insurer of the Year.*
Awarded by Canstar as the 2023 Home and Contents Insurer of the Year and Outstanding Value Award winner. Find out more.
Protect the things you value
Cover for loss or damage to your contents caused by burglary, fire, storm, flood or natural disaster.
Business tools and equipment
and equipment are covered for up to $2,500 per event. For full business cover, please see our Small Business Insurance
New for old
If something you own is stolen or damaged, we'll do our best to replace it with a new, like-for-like item, or the nearest available equivalent.
Helping you save
with higher excesses
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 anytime
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
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.
Limited ContentsThis policy
For loss or damage from burglary, fire, storm or natural disaster only, except for items you choose an optional extra for.
$1,000 limit applies
$500 limit applies
$3,000 adjustable limit
$2,500 adjustable limit
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.
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.
Can't find what you're looking for?
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.