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Contents insurance

Uncomplicated contents insurance Get a quote

Confidence countrywide.

With our contents insurance you can be confident that what you've insured is protected anywhere in New Zealand. You can claim for a single item like a broken camera or a lost necklace, or if something like a burglary occurs, you can make a claim for everything that was stolen.

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Document iconDownload our contents insurance policy

Here's what you need to know about getting covered with us. Our contents insurance is flexible - your sum insured can start from as little as $20,000.

New for Old. We’ll replace or repair your contents, up to the limits in your policy including your sum insured.

With our one event – one excess benefit, you'll only pay one excess if you suffer a loss from the same event to your contents and another Trade Me insurance policy.

The amount you pay for your insurance is influenced by your 'excess' - the money you contribute towards your claim. A larger excess means a smaller premium, and vice versa.

We provide cover for unexpected events.

Here's a summary of all the features that are included in our contents insurance policy, or are available as optional extras. As you can see, some features only apply to certain property types.

This is a summary only. Please ensure you read the policy wording & certificate of insurance to understand the terms, conditions, limits and exclusions that apply. Check out the full policy documents above for all the details.

  • WriteMark Plain Language Standard

    This policy has been awarded the WriteMark Plain Language Standard.

    Contents
    Yes

  • Replacement value

    We’ll replace or repair your contents, up to the limits in your policy and your chosen sum insured amount.

    Contents
    Yes

  • Moving house

    When moving from one house to another, your contents are covered for fire, collision or overturning of the vehicle while in transit. We'll cover your contents at both houses for up to 14 days.

    Contents
    Yes

  • Accidental damage anywhere in NZ

    We'll pay for loss to your contents anywhere in New Zealand.

    Contents
    Yes

  • Mobile phone

    We’ll cover your mobile phone if it’s damaged, lost or stolen.

    Contents
    Yes up to $1,000 unless specified

  • Prescription glasses and contact lenses

    If your prescription glasses or contact lenses are damaged, lost or stolen, we’ll repair or replace them and you’ll only need to pay a reduced excess of $100.

    Contents
    Yes reduced excess
How to make a claim

Making a claim is uncomplicated too. It's easy as completing an online claim form.

To keep things simple, we aim to get your claim settled quickly and without stress.

  • The event
  • You claim online
  • We do our stuff
  • You get your settlement

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