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Contents Insurance Comparison

Let our two levels of contents insurance work their magic. Get a quote and compare our Comprehensive & Limited Contents options to find out which one is right for you.

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Voted Most Trusted General Insurer* by NZers for 10 years running

Two levels of cover

Contents

Keep yourself fully protected with our most comprehensive cover. We'll cover your contents if they are lost or damaged by a sudden, unforeseen and accidental event.

Limited Contents

Basic cover to protect your contents against burglary, fire, storm, flood or natural disaster with the option to upgrade your cover on mobile phones and laptops to include theft and accidental damage and loss.

*As voted by consumers 2011 – 2020 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards

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Accidental damage

We will cover sudden, unforeseen and accidental loss or damage to your contents in an event other than burglary, fire, storm, flood, or natural disaster.

Contents
Limited Contents
Cover for burglary, fire, storm, flood or natural disaster

We will cover loss or damage to your contents caused by burglary, fire, storm, flood or natural disaster.

Contents
Limited Contents
Limited Contents
New for old

If something you own is stolen in a burglary or damaged beyond repair - we'll replace your item with a new one or with the nearest available equivalent. While most items will be covered by new for old cover, certain items such as clothing, footwear and cosmetics, or those items which don't have an equivalent replacement item available, will be settled at the Market Value.

Contents
Limited Contents
Limited Contents
New Zealand wide cover

We'll protect your belongings at home and on the road, no matter where you and your contents are in New Zealand.

Contents
Limited Contents
Limited Contents
For loss or damage from burglary, fire, storm or natural disaster only, except for items you choose an optional benefit for.
Legal liability

If you accidentally damage someone else's property, such as breaking a vase in a store - we'll cover you for any claim they make, up to $2million.

Contents
Limited Contents
Limited Contents
Temporary accommodation

We'll cover reasonable alternative accommodation for you, your family and your domestic pets if your home becomes uninhabitable as a result of an event covered by your policy. For renters, cover is limited to the increase in rent for up to four weeks. For owner occupied homes, cover is limited to $20,000 or a maximum of 12 months, whichever occurs first.

Contents
Limited Contents
Limited Contents
Excess-free spoiled food

We'll pay up to the benefit limit where food is spoiled due to your fridge/ freezer breaking down, or if your power supply is accidentally interrupted. You won't even need to pay your excess if there is no other loss or damage.

Contents $1000 limit
applies
Limited Contents
Limited Contents
$500 limit
applies
Children at boarding school or in tertiary education

We will extend cover for contents in your children's or dependant's possession while they are temporarily living away from your home, in accommodation provided by a tertiary educational institution. Cover is subject to the limits shown in the policy document.

Contents
Limited Contents
Family members in a rest home

We will extend cover for contents in your or a family member's possession while residing away from your home at a rest home or professional care facility. The most we will pay is $10,000 per person for any one event.

Contents
Limited Contents
Business tools & professional equipment

If you have business tools and professional equipment but don't require additional business cover, these are automatically covered under your policy.

Contents $3,000 limit
adjustable
limit
Limited Contents
Limited Contents
$2,500 limit
adjustable
limit
Excess-free Hearing Aid Cover

You don't have to pay an excess for claims for loss to your hearing aids, as long as there is no loss or damage to any other item of contents.

Contents
Limited Contents
$100 Excess on Eyewear

Pay a reduced $100 excess for claims for eyewear, as long as there is no loss or damage to any other item of contents.

Contents
Limited Contents
Mobile Phone Cover

Your mobile phones will be covered for theft, accidental loss and accidental damage anywhere in New Zealand.

Contents N/A Full
cover
applies
Limited Contents
Limited Contents
Laptop and Tablet Cover

Your laptops and tablets will be covered for theft, accidental loss and accidental damage anywhere in New Zealand.

Contents N/A Full
cover
applies
Limited Contents
Limited Contents

Policy document

This is only a summary of key benefits. Application for cover is subject to Underwriting acceptance. For full details, exclusions and limitations, please read the policy document.

Frequently asked questions

If you can't find the answer you're looking for, please contact us.
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Why choose AA Insurance?

NZ's most trusted insurer

Thanks for voting us New Zealand's Most Trusted General Insurance provider for ten years running. Earning your trust is one thing. But keeping it is everything.

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We put you first

We put our customers' needs first and pride ourselves on working with them to eliminate stress and uncertainty.

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Easy, stress-free claims

One of our Customer Managers will guide you through the entire process. They'll keep you fully informed, making sure things stay on track and hassle-free.

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