CONTENT ITEMS
Personal Valuables – Specified Items
COVERED
If you have specific personal items you regularly take away from home and you would like cover for a specific sum, this optional cover may be for you. For an extra premium, you may be covered for accidental loss or damage at and away from the insured address. Learn more about this below.
What policy covers Personal Valuables – Specified Items?
Personal valuables – specified items is optional for all levels of cover and can be added to your policy for an extra premium. Remember that an excess of $100 applies, not the standard contents excess, each time you make a claim.
What’s covered
Personal valuables – specified items cover is for specific valuable belongings that are normally carried with you away from the insured address, such as mobile phones, engagement rings and laptops. You can add this cover to your policy for an extra premium. You can see the items we can insure under this cover in the Product Disclosure Statement.
The most we will pay you for a claim covered under your policy, is the sum insured the item is covered for (chosen by you) as shown on your certificate of insurance.
You can ask us to insure an item by giving us the full description and replacement value for each item you want us to insure. If you have this optional cover, the items covered are those individually listed on your certificate of insurance.
What’s not covered
There are a few circumstances and situations where you will not be covered under ‘Personal valuables – specified items’, such as when any of the specified items are used primarily for a business activity. For the exclusions that apply, see the Product Disclosure Statement.