| Standard benefits | |
| Frozen food deterioration | If your refrigeration equipment accidentally stops during the period of insurance and your frozen food deteriorates to the point where it is not fit to eat we will pay you the value of the loss or $500 whichever is less.
We will also pay the cost to repair any loss or damage caused by the spoiled food. This benefit is free of any excess. |
| Gradual damage |
If your contents suffer accidental physical damage through gradual deterioration, mildew, mould or rot as a result of the leaking of:
We will pay up to $2,500 to repair the resulting damage (but not the cost of locating and repairing the leak) provided the leak first occurred during the time that we insure your contents. |
| Inflation protection |
Your sum insured may be increased at the renewal of the policy based on changes in the appropriate parts of the Consumer Price Index. Your premium at renewal will be calculated on the revised sum insured. |
| Keys and locks | If your house keys or remote door opener(s) are stolen or believed on reasonable grounds to have been illegally duplicated or it is reasonable to believe that the combination number of an electronic keypad for external doors may have become known to someone else without your permission we will pay up to $1,000 to replace the keys, remote door opener(s), and locks or change the combination number of the electronic keypad.
We will also pay for the reasonable cost of opening any safe following theft or loss of the key or combination. This benefit is free of any excess. If you have this benefit with us under any other policy then the maximum amount we will pay under all policies is $1,000 per event. |
| Moving house | To help protect your contents while you are in the process of moving from one home to another, we will cover your contents for 14 days at both addresses from damage or loss caused by fire, theft or collision of the conveying vehicle while they are in transit. |
| Natural disaster damage | If your contents suffer natural disaster damage occurring during the period of insurance and the cost exceeds your cover under EQCover (or would do but for the Earthquake Commission’s refusal to pay) the most we will pay is the difference between your cover under EQCover and the sum insured for your contents shown in the certificate of insurance less any applicable excesses. |
| No claims bonus | If you have not had any claims with us or with your previous insurer for the last year you will receive a no claims bonus.
Should you make a claim, the no claims bonus will be reduced at the renewal following the claim. However, we will increase your no claims bonus again at the next renewal if no further claims are made. |
| One event - one excess | If your contents suffer loss or damage for which a claim is accepted and at the same time we accept a claim as a result of the same event for loss or damage to your house or your vehicle or contents at another situation that are also insured by us, we will only deduct one excess and that will be the highest excess applicable. |
| Temporary accommodation expenses | If your contents suffer loss or damage for which a claim is accepted under this policy, or which is covered under EQCover and your house is uninhabitable as a result we will pay your reasonable temporary accommodation expenses up to $25,000.
This includes kennel or cattery fees for your domestic pets. No temporary accommodation expenses will be paid after repairs have been completed or your claim has been paid. If you have this benefit with us under any other policy then the maximum amount we will pay under all policies is $25,000. |
| Temporary storage after loss | If your house suffers loss or damage for which a claim is accepted we will pay for the reasonable costs of storing your insured contents if required. This includes moving your contents to a secure storage facility, storage costs while you are in temporary accommodation and returning your contents to your house.
No temporary storage expenses will be paid after repairs have been completed or your claim has been paid. |
| Temporary cover away from home | If your contents are re-located to another situation because you are on holiday or working or living away from your usual situation on a temporary basis we will continue to cover those contents for a period of up to 42 days. |
| Optional benefits | |
| Business tools and equipment |
If you have selected this optional benefit this policy is extended to cover your business tools and equipment from which you obtain financial return whether for profit or not during the period of insurance up to the sum insured shown for this optional benefit in the certificate of insurance or $5,000, whichever is less. |
| Contents in storage |
If you have selected this optional benefit this policy is extended to cover your contents for sudden and accidental physical loss or damage caused by fire, flood, explosion, storm, water that leaks into the premises or natural disaster during the period of insurance while stored in a secure storage facility run by a commercial storage company. Your stored contents are covered up to the sum insured shown for this optional benefit in the certificate of insurance. An additional excess of $500 is payable. |
| Spectacles | If you have selected this optional benefit, this policy is extended to cover your listed spectacles (but not disposable contact lenses) for accidental loss or damage during the period of insurance.
If your claim is accepted we will pay for their replacement or repair up to the sum insured shown for this optional benefit in the certificate of insurance. Your claim will also be free of any excess. |
| Personal aids | If you have selected this optional benefit this policy is extended to cover your listed personal aids for accidental loss or damage during the period of insurance. Personal aids are defined as equipment or devices that are designed to aid a disability such as but not limited to dentures, hearing aids, prosthetic limbs, wheelchairs or mobility scooters.
If your claim is accepted we will pay for their replacement or repair up to the sum insured shown for this optional benefit in the certificate of insurance. Your claim will also be free of any excess. |
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