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Contents Insurance
There's no shame in being materialistic
Whether you're renting or your building is covered by your strata, our contents insurance covers some of the important things inside your home. Additionally, add the option to cover your valuables outside the home for complete peace of mind.
Four reasons you'll love having cover through P&N
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Pay monthly, no problem While some insurers charge more to split payments across the year, we simply divide your annual premium by 12. |
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Timeless new-for-old replacement* If the contents in your home are damaged or destroyed, we won’t ask you how old they were. Instead, we’ll arrange repairs or help you buy new replacements. |
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Automatic flood cover* While flooding might not be the first thing that comes to mind when insuring your home, we made sure it's the last thing on your mind if it happens by including it automatically. |
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Hassle-free claims service We make sure the claims process is as effortless as possible, and will pay valid claims as soon as possible. |
What's covered?*
| ✔ | Money |
| ✔ | Jewellery |
| ✔ | Furniture |
| ✔ | Computers and software |
Is something missing?
If you're looking to have cover for both the home you live in and the things inside it, find out more about our Building and Contents Insurance through CGU.
Cover levels to help suit your needs and budget
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| ✔ | Accidental damage or accidental loss Windows, mirrors, glassware, and more |
| ✔ | Valuable items Up to $7,500 or 20% of your sum insured, whichever is greater (maximum limits per item apply) Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, and more |
| ★ | Optional additional valuables cover Worldwide cover for up to 90 consecutive days (with a reduced excess of $250) |
| ✔ | Contents at home in the open air Up to the sum insured |
| ✔ | Frozen food Reasonable costs |
| ✔ | Vet expenses if your pet is injured in a road accident Up to $500 |
| ✔ | Credit and transaction card misuse Up to $5,000 |
| ✔ | Bicycle cover Up to $3,000 |
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| ✔ | Accidental damage Windows, mirrors, glassware, and more |
| ✔ | Valuable items Up to $5,000 or 20% of your sum insured, whichever is greater (maximum limits per item apply) Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, and more |
| ★ | Optional additional valuables cover Worldwide cover for up to 90 consecutive days (with a reduced excess of $250) |
| ✔ | Contents at home in the open air Up to $2,000 for the covered events |
| ✔ | Frozen food Up to $500 |
| ✔ | Vet expenses if your pet is injured in a road accident Up to $500 |
| ✔ | Credit and transaction card misuse Up to $5,000 |
| ✔ | Bicycle cover Up to $3,000 |
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| ✘ | Accidental damage or accidental loss Windows, mirrors, glassware, and more |
| ✔ | Valuable items Up to $2,000 (max $1,000 per item) Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, and more |
| ✘ | Optional additional valuables cover |
| ✔ | Contents at home in the open air Up to $1,000 for covered events |
| ✘ | Frozen food |
| ✘ | Vet expenses if your pet is injured in a road accident |
| ✔ | Credit and transaction card misuse Up to $1,000 |
| ✔ | Bicycle cover Up to $3,000 |
This is only a summary, see everything that is and isn’t covered in the Product Disclosure Statement (PDS).
Ready to go?
Answer a few questions about your building and what's in it and you could be covered in just a few minutes.
Need to make a claim?
The quickest and easiest way to make a claim is to contact our partner CGU's 24/7 claims team on 13 24 80.
Find out more.
Frequently asked questions
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What does 'Listed Events' mean?
Listed Events home insurance helps cover your buildings or contents for loss or damage as a result of any incident listed in the PDS.
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Are electronics such as laptops covered in Contents Insurance?
Yes, valuable items up to a certain amount are covered under Contents Insurance, including electronics such as laptops, tablets, mobile phones, cameras and more. Policy terms, conditions, limits and exclusions apply. See the relevant PDS for full details.
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Do I need Contents Insurance?
Having a Contents Insurance policy may cover your valuable items in the case of accidental damage or accidental loss. If you don't have Contents Insurance and you experience a damage or loss, you may be required to pay all costs for repairs or replacement.
See all frequently asked questions.
Important information
*Underwriting criteria, policy terms, conditions, limits and exclusions apply. Please see the PDS for full details.
Police & Nurses Limited (P&N Bank) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701 acts under its own AFSL and under an agreement with the insurer Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance. Any advice given is general only and does not take into account your personal objectives, financial situation or needs. Consider the relevant Product Disclosure Statement (PDS) available here to see if the product is right for you.