Most items that are lost or stolen are covered for their full replacement value, regardless of age. Individual items such as jewellery and cameras have policy limits unless a higher limit is specified.
You can also name specific items in your policy, such as artworks (up to $10,000), dinghies, canoes, windsurfers and surfboards (up to $2000). You're also covered for up to $1,000 for loss of money or credit cards.
Golf clubs and bags are covered for the cost to replace these, and other sports equipment (including bicycles) are covered for their current value.
Claim for perished food and other damage caused by the perished items if your fridge or freezer suddenly breaks down or there's a long power cut.
Be covered for up to $2,250 annually for hidden gradual damage caused by water leaking from an internal tank, water pipe or waste disposal pipe at your home.
Overseas travel cover
If you're travelling to Australia or the South Pacific for three weeks or less, your personal effects are automatically covered for up to $5,000.
Make sure you get the right cover
A key part of getting contents insurance is working out the value of the things you own. Use our factsheet to help you estimate the value of your contents.
Additional protection with PremierCare
Up to $20,000 for additional living costs for up to 12 months if you're unable to live in your home following a loss. If your contents are a total loss, you'll also receive a $2,000 stress payment.
In the event of an earthquake, PremierCare will cover you for the difference between your Earthquake Commission (EQC) payout and the sum insured under your policy.
PremierCare Contents Insurance will provide you with up to $1 million legal liability cover if you accidentally damage someone else's belongings or property.
Have your kids moved out? Their contents may be covered, too
If your kids have left home to study, their contents may be covered under your insurance policy.
More reasons to insure your contents with us
Choose your excess
Standard excess of $250 applies to claims, which means you'll pay the first $250 of the claim. You can reduce your premiums by choosing to have a higher excess.
If you have contents insurance plus another type of PremierCare general insurance with us, you may be entitled to a package discount. If you have a burglar alarm, you may qualify for a discount.
Earn Fly Buys
Collect Fly Buy^ points based on the premium you pay. Premiums can be paid fortnightly, monthly or annually.
Manage it online
View your insurance details online in Internet Banking. See your policy details anytime, or find out how to make a claim.
When replacing an item of whiteware that's less than 10 years old as a result of a claim, the insurer may pay for a more energy-efficient model.
Special benefits for over-55s
If you're over 55, you won't pay an excess or have your no-claim discount affected if you make a claim only for spectacles, contact lenses, dentures, or hearing aids.
Get in touch about PremierCare Contents Insurance
Take out two or more new PremierCare Insurance policies by 22 October, and we’ll send you a $75 Prezzy card. Terms and conditions apply
Insurance help and support
If you need some help, call 0800 808 618
Or call us collect from a land line from here or overseas +64 9 985 0103
To make a claim, call 0800 248 888
Fly Buys terms and conditions apply. Fly Buys points collection, conversion and redemption rates are subject to change without notice. Fly Buys are not available on credited premiums. BNZ (and its related companies) do not guarantee the redemption of Fly Buys or that Fly Buys will continue to be offered on their products/services.
PremierCare Insurance is underwritten by IAG New Zealand Limited and is not an obligation of the distributor, BNZ. BNZ does not guarantee the obligations of IAG New Zealand Ltd. BNZ arranges PremierCare as an agent for IAG New Zealand Ltd and receives a commission on any policies arranged through it. Full details of cover, and a copy of your policy document, is available on request from the PremierCare Team on 0800 808 618. The availability of any insurance cover is subject to approval of a completed application. Terms, conditions, and exclusions do apply.