It's your personal contents that make the house your home - protect them with Allianz Contents Insurance through Heritage Bank. Contents Insurance can cover your important items from damage or loss caused by insured events such as fire, storm or theft.
The better you understand your policy, the easier it will be if you ever have to claim. Here is a limited summary of the benefits of a contents insurance policy. For full details, of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS) before making a decision to purchase the insurance. The Home Contents Key Fact Sheet (KFS) also sets out some information about the cover. Select the cover to suit your needs.
Effective 22 February 2021
Allianz will cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst contents are in transit (unless you have Accidental damage cover).
Allianz will also provide cover for property belonging to your guests, visitors and domestic helpers up to $5,000 (included in your contents sum insured), if it is lost or damaged as a result of an insured event that you are claiming for.
If your home buildings are damage by an insured event and is unable to be lived in, Allianz will reimburse the reasonable costs to move and store your contents for the time necessary to repair or rebuild your home building or until you find alternative accommodation, up to a maximum of 12 months.
Allianz will cover contents intended to be kept outside, like your barbeque, outdoor furniture and children’s play equipment up to $2,000 in total.
If your contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, Allianz will pay the additional costs for temporary accommodation for you up to 10% of the contents sum insured and up to $500 for temporary accommodation for your pets in a commercial boarding establishment.
If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, Allianz will pay for you to replace it. If you claim for this benefit, excess will apply. If the spoilage is due to a natural disaster (declared by Allianz, the government or the Insurance Council of Australia ) the maximum Allianz will pay is $500. No excess will apply.
When you need to make a claim Allianz are there for you with 24 hour claims lodgement available online, or you can call the claims line to commence the claims process over the phone.
Allianz will pay up to 10% of the contents sum insured for the removal of debris from the home building if your contents are damaged or destroyed by an insured event.
Apply to add any of these optional covers for an additional premium and greater cover.
|Accidental damage||The accidental damage cover option helps protect you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home contents.|
|Portable contents||Optional cover to protect your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance. Some portable contents must be specified as Listed Portable Contents with the full replacement value to be covered away from the home.|
|Motor burnout||The Motor burnout option covers you if an electrical current damages your household electrical motors. This cover is automatically included if you have taken optional Accidental Damage cover.|
|Flood cover||Flood cover may be available as an optional cover added to your contents policy for an additional premium. A 72 hour exclusion period applies.|
|Domestic workers’ compensation cover||Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address. Only available in ACT, WA and TAS.|
What do I do if I need to make a contents insurance claim?
Do what you reasonably can to prevent further loss, damage or liability. Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 555 030 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the contents insurance claims process.
In order to be sure that you are covered under this policy you should always contact us for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred to the amount we would have authorised had you asked us first.
Am I covered for Flood?
What does it mean if I take the Accidental Damage cover option?
This optional cover provides even more protection – it covers you in the event of damage caused by unexpected mishaps that are caused unintentionally not just the specified insured events.
If you have contents cover and take this option, the sort of mishaps you’ll be covered for include when you spill red wine on the carpet or lounge.
We’ll extend cover for your contents anywhere in Australia for up to 90 continuous days (not just at the insured address).
I am moving, do I need to have two insurance policies to cover me at both locations?
Which option do I need to cover my laptop, tablet, mobile phone or smart watch away from home?
What is considered ‘unable to be lived in’?
How do I know if I have optional covers on my policy?