Contents Insurance
Essentials
Choose from 3 levels of contents cover with no extra fee to pay monthly, and an automatic safety net for more peace of mind.
- Save 15% off your annual premium for the first year when you apply online and enter the promotional code COVER
- Comprehensive cover for accidental loss or damage, theft, storm, flood, fire and more
- Valuable extra cover included for emergency accommodation and a sum insured safety net in case repair or replacement costs are higher than expected*
- Optional cover for valuables at home, throughout Australia, and worldwide for up to 90 days
- Make the most of discounts to help save on your premium, including a no claim bonus and more.
Nobby is more than a toy.
Protect the things you value most with Westpac contents cover, save 15% online with promo code COVER.
Highlights
No matter what level of cover you choose, these events are covered as standard. Of course, like all policies, some exclusions, limits and conditions apply.
- Storm
- Flood
- Lightning
- Fire
- Earthquake
- Explosion
- Theft
- Impact
- Escape of liquid
- Malicious acts, riot and civil commotion
- Legal liability up to $20 million.
Here are some key differences between the 3 levels of cover.
| Essential Care |
Quality Care | Premier Care |
|---|---|---|
|
|
|
Compare the differences on the full list of insured events, extras and contents with cover limits.
Add optional Personal Valuables to any level of cover for items such as jewellery and laptops, and get more than the standard cover limits in and away from home.
After an insured event (and sometimes even without one), related expenses and extra benefits are automatically covered.
Contents benefits paid in addition to your contents sum insured
| Benefits | Essential Care |
Quality Care |
Premier Care |
|---|---|---|---|
| Sum insured safety net | Up to 5% of the sum insured | Up to 10% of the sum insured | Up to 20% of the sum insured |
| Removal of debris | Up to 10% of the sum insured | Up to 10% of the sum insured | Up to 10% of the sum insured |
| Emergency accommodation | Up to $5,000 | Up to 10% of the sum insured or for up to 12 months whichever is less | Up to 10% of the sum insured or for up to 12 months whichever is less |
| Emergency accommodation for pets |
|
Up to $5,000 | Up to $5,000 |
| Funeral expenses | Up to $10,000 | Up to $15,000 |
Contents benefits paid as part of your contents sum insured
| Benefits | Essential Care |
Quality Care |
Premier Care |
|---|---|---|---|
| Contents moved permanently to a new property | Up to the sum insured |
Up to the sum insured |
Up to the sum insured |
| Contents in a commercial storage facility | Up to the sum insured | Up to the sum insured | |
| Contents temporarily removed to other places in Australia | Up to 20% of the sum insured | Covered under accidental loss or damage | |
| Emergency storage of contents | Up to 10% of the sum insured or for up to 12 months, whichever is less | Up to 10% of the sum insured or for up to 12 months, whichever is less | |
| Fire brigade and services charges | Up to $5,000 | Up to $5,000 | Up to $5,000 |
| Contents in the open air at the site |
|
Up to $2,000 for storm, flood, theft and up to 20% of the sum insured for other insured events | Covered under accidental loss or damage |
| Computer records | Up to $3,000 |
Other content benefits
| Benefits | Essential Care |
Quality Care |
Premier Care |
|---|---|---|---|
| Sum insured automatic indexation | |||
| Frozen food loss | Up to $500 | Up to $2,000 | |
| Credit card loss | Up to $1,000 | Up to $5.000 | |
| Contents in transit | Up to 20% of the sum insured | ||
| Veterinary expenses | Up to $500 |
All contents are covered up to your chosen sum insured, except for those listed below, which are covered up to the maximum amounts shown.
| Contents with limits |
Essential Care |
Quality Care | Premier Care |
|---|---|---|---|
| Jewellery and watches | Up to $500 per item/ up to $3,000 per claim | Up to $1,000 per item/ up to $5,000 per claim | Up to $5,000 per item/ up to $20,000 per claim |
| Sporting equipment (excluding bicycles and their fixed accessories) |
Up to $2,000 | No limit | No limit |
| Bicycles and their fixed accessories |
Up to $1,000 | Up to $1,500 | Up to $2,000 |
| Electronic audio, visual and computer equipment | Up to $3,000 | No limit | No limit |
You can cover the items above for higher values by adding Personal Valuables cover.
| Contents with limits |
Essential Care |
Quality Care | Premier Care |
|---|---|---|---|
| Artworks, collections and collectibles | Up to $3,000 | Up to $10,000 | Up to $20,000 |
You can cover the items above for higher values inside your home by listing them within your Contents Cover (include their total value in your contents sum insured).
| Contents with limits | Essential Care |
Quality Care |
Premier Care |
|---|---|---|---|
| CDs, DVDs, videos, Blu-ray discs, computer games and software | Up to $1,000 | No limit | No limit |
| Unset stones and unattached charms | Up to $500 | Up to $1,000 | Up to $2,000 |
| Unattached accessories and parts for motor vehicles and marine pleasure craft | Up to $750 | Up to $1,000 | |
| Money and other negotiable documents | Up to $750 | Up to $1,250 | |
| Documents | Up to $1,000 | Up to $2,000 | |
| Property belonging to visitors | Up to $2,000 | Up to $5,000 at the site |
|
| Home office equipment | Up to $10,000 | Up to $15,000 at the site/ up to $5,000 elsewhere in Australia | |
| Tools and equipment of trade | Up to $2,000 | Up to $3,000 at the site/ up to $1,000 elsewhere in Australia |
Limits on the items directly above can't be increased.
Add optional Personal Valuables for special items to give you extra cover beyond the standard limits – for theft or accidental loss or damage at your home, elsewhere in Australia, and anywhere in the world for up to 90 days.
There are 3 ways to cover personal valuables:
- Specified (list specific items with an individual sum insured)
- Unspecified (any items from the list below which are covered for up to your chosen limits of cover as listed on your policy schedule)
- Combination of both.
Personal valuables items
Clothing and other personal items
- Clothing, toiletries, cosmetics
- Jewellery watches including SmartWatches (but not unset gems, stones or unattached charms)
- Sunglasses, spectacles, contact lenses
- Wallets, purses, handbags, travel bags, luggage
- Dentures, hearing aids, walking sticks, crutches.
Electronic equipment
- Mobile telephones, electronic diaries and devices and their associated accessories
- Photographic equipment, video cameras, binoculars, telescopes
- Laptops, mobile and portable computing devices and portable data storage devices, calculators, and personal handheld navigational equipment
- Portable battery operated radio, sound and visual entertainment devices
- Portable shavers, portable hair styling equipment.
General household items
- Books, pens, compendiums
- Musical instruments
- Prams, strollers, baby capsules, carriers.
Sporting goods
- Non-motorised sporting equipment, including bicycles (but not firearms)
- Non-motorised water craft up to 4m in length (surfboards, sail boards, surf skis, canoes and kayaks)
- Portable camping and fishing equipment, picnic sets, travel blankets.
There's no extra fee to pay monthly, and you can save on your premium if you qualify for one or more of these discounts:
- No claim bonus
- If you have a Westpac Premier Advantage Package home loan (please call or visit us to receive this discount).
Your online quote will automatically include the discounts you're eligible for, unless otherwise stated above.
The cost of your premium is made up of a wide range of factors and some of your choices may also help reduce your premium.
Generally speaking, here's how your choices may affect your premium:
- Choosing a voluntary claim excess. The higher the voluntary claim excess chosen, the lower your premium: $250, $500, $1,000, $2,000, $5,000
- Choosing a lower level of cover e.g. the premium for Quality Care is less than Premier Care
- Your home security features (contents premium):
- Deadlocks, key operated window locks, security grills or bar
- Local or back-to-base alarm
Things you should know
Cover is subject to your application for insurance being accepted.
* Safety net of between 5% and 20% of your sum insured, depending on your type of cover.
Important Update for Home and Contents Insurance (PDF 289KB)
View the Home and Contents Insurance Key Fact Sheets.
Home and Contents Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (except workers compensation cover where applicable). Westpac Banking Corporation ABN 33 007 457 141 distributes the insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Read the Product Disclosure Statement to see if this insurance is right for you.