Your home and belongings
Consider the building, contents, temporary accommodation and the difference between repair and replacement costs.
For the things you cannot put on a calendar
Plan for the unexpected. Keep living for the everyday.
A policy is easier to compare when you start with the people, belongings and commitments you want to protect. Then take a closer look at what is covered, what is not and what you would pay yourself.
Ask a coverage questionStart with what you want to protect.
These topics can help shape a conversation with an appropriately qualified insurance provider. Availability must be confirmed separately.
Your time on the road
Think about who drives, how the vehicle is used and the level of protection required where you live.
The people who depend on you
Consider household income, ongoing commitments and how needs may change over time.
Make the small print a conversation
Four words worth understanding.
A lower premium does not tell the whole story. Compare policies on the same coverage basis and ask for written clarification.
- Premium
- The amount paid for the policy. Ask when it is due and what could change it at renewal.
- Deductible
- The amount you may have to pay toward a covered claim. Check whether different claims have different deductibles.
- Limit
- The maximum payable for a particular type of loss. Sub-limits may apply to specific belongings or situations.
- Exclusion
- A situation or loss the policy does not cover. Read these before deciding whether the protection fits.
Already need to make a claim?
Use the claims contact listed in your policy. Follow the insurer's instructions, keep relevant records and ask about reporting deadlines. A general enquiry here does not submit a claim or put cover in place.
Your next step
Ask before making assumptions about cover.
Tell us the topic you are exploring. Do not include medical records, policy numbers or other sensitive documents in a general message.
This page provides general information, not insurance advice, a quote or confirmation of cover. Policy wording and insurer terms govern coverage.