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The household contents section of the policy covers the items in your home, such as clothes, furniture, books, jewelry, etc.

Covering your home, outbuildings, walls, gates, fences, driveways, verandas, patios, in-ground swimming pools. You will be covered in the following events:
• Fire
• Theft
• Storm damage
• Lightning damage
• Accidental damage
• Power surge damage

You can cover your vehicle or motor cycle
in the event Fire, Theft, Hijacking, Explosion, Accidental Damage, Natural Perils (e.g. Hail/Storm/Water/Snow/Earthquake Damage)
In addition to the above we also cover the Damages that you have may have caused to a third party should the accident be your fault.

In addition to the above standard covers we also offer additional features should you require them.
• Car Hire
• Roadside Assist
• Credit Shortfall
• Excess waiver

This section offers cover for items that leave the house. These item can include
• Laptops/Notebooks/iPads/Kindles
• Cameras & Photographic Equipment
• Bicycles
• Mobile Phones
• GPS devices
• Sports Equipment e.g. Golf Clubs, Cricket Bats, Horse Riding Equipment, Skateboards, Surfboards
• Sunglasses/Spectacles/Contact Lenses
• Binoculars
• Hearing Aids
• Jewelry
• Firearms
• Tools
• CD's & DVD's kept in the vehicle
• Baby Car Seats/Prams
• Unspecified e.g. clothing left in the vehicle, gym bags

Personal Liability
The personal insurance policies automatically include personal liability insurance which covers you should you be responsible for another person being injured or killed, as well as loss or damage to property belonging to another person. It does NOT cover other people who work in or on your home, such as cleaners, gardeners, builders or plumbers.

With this insurance we cover your business for:
• Business Interruption
• Theft
• Building`s Combined
• Office Contents
• Glass
• Business All Risks
• Goods in Transit
• Money
• Motor Insurance
• Personal Accident
• Stock
• Accidental Damage
• Public Liability
• Electronic Equipment