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.
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.
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.
Overview
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
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 anytime
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
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
$3,000 adjustable limit
$2,500 adjustable limit
$1,000 limit applies
$500 limit applies
For loss or damage from burglary, fire, storm or natural disaster only, except for items you choose an optional extra for.
Optional extra:
Optional extra
Optional extra:
Optional extra
Optional extra
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Policy documents
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
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 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.
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.
FAQs
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.