When I make a contents claim, am I entitled to my full contents sum insured?

You'll only be entitled to your full sum insured in the case of a total loss where the cost of repairing or replacing your contents exceeds the sum insured amount noted on your policy schedule.

For example, if you lose your backpack, we would pay to replace the contents you’ve lost with your backpack. All of your contents haven’t been lost so we wouldn't pay to replace all of them.

If you're not sure what amount to list for your sum insured, you can use the free online contents calculator here to get an idea of how much cover you'll need. It's important to note that this calculator doesn't provide financial advice and is a guide to help you estimate your sum insured only. You should make your own decision on whether the sum insured amount provided is appropriate for your circumstances.

For full details of what you're covered for, please refer to your policy document.

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