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Home & Contents Insurance - Quick Details

About your insurance cover

What type of cover are you seeking

Building
Building and Contents
Contents

Address of the property to be insured

Selected Address Pid

Is your property on a block of land more than 20,000 Square Metres

What level of cover are you seeking

Building sum Insured

Home Building Calculator

Important: Things you should consider when calculating your building sum insured More information about building cover

Contents sum insured

Home Contents Calculator

Important: Things you should consider when calculating your contents sum insured More information about contents cover

Vital Protect Home & Contents Insurance		Accidental Damage Home & Contents Insurance
Contents with a maximum limit
Jewellery and watches	Up to $1,000 for any one item or collection, up to a limit of $3,000 in total.	(A) Jewellery & watches.	Items (A), (B) & (C) are covered up to 25% in total of the contents sum insured, to a maximum of $10,000 for any for any one (1) item, pair, set or collection.
Paintings, pictures, works of art, sculptures or art objects	Up to $5,000 for any item or collection, up to a limit of $10,000 in total.	(B) Items that contain gold or silver (this does not include items thinly covered with gold or silver.
Memorabilia, stamps, collectors pins, medals and collectors non-negotiable currency	Up to $2,000 for any one item or collection, up to a limit of $10,000 in total.	(C) Collections of stamps, money or medals.
Bicycles Musical Instruments Clothing Sporting Equipment Photogenic Equipment	No sub limit applies.	Bicycles Musical Instruments Clothing Sporting Equipment Photogenic Equipment	No sub limit applies.
CD’s, DVD’s, flash cards, digital media cards, audio and video tapes, records, computer disks, computer software, game cartridges and game consoles	Up to $2,500 in total	Accessories and spare parts for the following; ride on mowers, mobility scooters, wheelchairs, golf buggies, surfboards, surf skis, kayaks and canoes	$2,000 per item and $4,000 in total.
Hand woven carpet and rugs	Up to $2,000 per item, up to a limit of $10,000 in total.

Where your contents and personal effects are covered
At the home - inside	Covered	At the home - inside	Covered
At the home - In the open air	Not covered	At the home - In the open air	Covered
Away from the home	Not covered	Away from the home	Covered
What you are covered against
Insured Events	Covered	Insured Events	Covered
Accidental Damage	Not covered	Accidental Damage	Covered
Cover for contents away from the home
This policy does not provide any cover for contents away from the home.		Provided as an additional benefit of cover. This policy provides accidental damage cover to; · Your contents anywhere in Australia or New Zealand. · Jewellery and watches anywhere in the rest of the world for up to 100 consecutive days but only when being worn by you or secured in a safe.

When calculating your contents sum insured, it should be based on the full replacement cost of all your contents.

As costs vary over time and you may have made purchases since last renewing your policy, we highly recommend that you review your contents sum insured every year.

Avoid the risk of underinsuring and use the provided Home Contents Calculator to obtain a more accurate estimate.

For full information regarding Contents Insurance including ‘What are your contents’ and ‘What are not your contents’ please refer to the Insurers Policy Wording and PDS for your chosen level of cover.

If you're still unsure we are here to help, so please contact us on 1300 730 073.

Would you like cover for specified valuable items

Answer yes if you require valuables cover on certain contents items for accidental loss and damage away from the home and/or where higher limits are required Eg. watches, jewellery, portable electronic items etc.

Valuable items sum insured

Important: Things you should consider when calculating your valuables sum insured More information about valuables cover

About the occupiers/insured

Which best describes the use of the home

Is the insured retired

Date of birth of the eldest insured person

Type of building

Is unit on level above Ground

Is the Building part of a Strata Plan

Year the building was constructed

Has the building been re-wired and re-plumbed in the past 25 years

Main exterior walls constructed of

What is the roof constructed of

Is the building two or more storeys

Is any portion of the building or your contents below ground level (e.g. the basement, garage, storage room)

Is the building constructed on stilts

Is building on stilts entirely

Is building on stilts partially

Is building on stilts one metre high

Is building on stilts two metre high

Is there an inground swimming pool at the insured address

Is the building connected to townwater

Does the building have an alarm installed

Type of security on the external doors

Type of security on the windows

About the insured claims history

How many claims have you made on a building and/or contents policy in the last 5 years

When did you make your most recent claim?

Interested party details

Is there a mortgage on the property?

Please provide your email address

Privacy Policy: We're committed to protecting your privacy in accordance with the Privacy Act 1998 (Cth) and the Australian Privacy Principles. You can read our privacy policy here

Yes	I have read and understood the privacy notice and consent to the uses of personal information contained therein.

Electronic communications and document delivery: This is an online service and all communications and documents are delivered to the email address provided by you. I/We declare that:

By proceeding with this application I/We consent to Insure Now Brokers and the Insurers delivering all documents relating to the policy to the email address provided and it is my/our responsibility to make sure that the email provided is up to date. Any documents sent by email will be considered to have been received twenty four hours from the time they are sent to the nominated email address.

SECURITY VERIFICATION

Insure Now Brokers is a trading name of Savill Hicks Corp. Pty Ltd
ABN: 96 009 392 125 AFSL: 240867

Contents with a maximum limit
The following items have limits which you can increase by nominating them as specified personal effects. If you do not increase the limit, the most the insurer will pay is the limit shown for the item in the table below.
Items		Limits per insured event
CD’s, DVD’s, flash cards, digital media cards, audio and video tapes, records, computer disks, computer software, game cartridges and game consoles		Up to $2,500 in total
Jewellery and watches		Up to $1,000 for any one item or collection, up to a limit of $3,000 in total.
Hand woven carpet and rugs		Up to $2,000 per item, up to a limit of $10,000 in total.
Paintings, pictures, works of art, sculptures or art objects		Up to $5,000 for any item or collection, up to a limit of $10,000 in total.
Memorabilia, stamps, collectors pins, medals and collectors non-negotiable currency		Up to $2,000 for any one item or collection, up to a limit of $10,000 in total.
Where your contents and personal effects are covered
At the home - inside		Covered
At the home - In the open air		Not covered
Away from the home		Not covered
If you would like cover for contents and personal effects away from the home or in the open air at home you might like to consider selecting Ensurance Underwriting Accidental Damage policy. To change your cover selection from Vital Protect to Accidental Damage 1. Call us on 1300 730 073 or 2. Return to Compare The Market and select Ensurance Underwriting Accidental Damage from the quotations provided.