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Certain contents items can be covered in a variety of ways under both our Contents and Personal Valuables Insurance policies.


Under our Contents Insurance policies, we automatically provide limited cover for jewellery and watches and artworks, collections and collectibles which are usually kept in your home and are unspecified (that is, have not been individually listed with their value in your policy).

Jewellery and watches are limited as follows:

Essential Care Contents - cover limits	Quality Care Contents - cover limits	Premier Care Contents - cover limits
$500 per item $3,000 in total for all items in one claim	$1,000 per item $5,000 in total for all items in one claim	$2,000 per item $10,000 in total for all items in one claim

Should you wish for more cover than this, these items can be insured by adding an optional Personal Valuables Insurance policy to your Westpac Contents Insurance policy.

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Artworks, collections and collectibles are limited as follows:

Essential Care Contents - cover limits	Quality Care Contents - cover limits	Premier Care Contents - cover limits
$3,000 in total for all items in one claim	$10,000 in total for all items in one claim	$20,000 at the site $10,000 anywhere in Australia

Should you wish for more cover than this, these items can be insured as "specified items," by listing them in your application and nominating a sum insured for each item. They will then form part of your Contents Insurance policy.

Personal Valuables Insurance

Personal Valuables Insurance covers you for accidental loss or damage to your valuables such as jewellery, clothing and personal effects, photographic, sporting and portable computer equipment, portable electronic devices and musical equipment. You are covered at home or away from home, anywhere in Australia, New Zealand and elsewhere in the world for periods of up to 60 days.

Ways to insure with Personal Valuables Insurance
These items can be insured as:

• Unspecified items (items which are not separately listed with limits of $1,000 per item or a total of $4,000 for all items in one claim)
• Specified items (items which are specified individually each with an individual sum insured) or
• A combination of both specified and unspecified items

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