Keep your stuff safe with contents insurance

Get the right cover for valuables, such as jewellery, cameras, art or sports equipment in case they’re lost, stolen or damaged.


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.

Special items

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.

Sports equipment

Golf clubs and bags are covered for the cost to replace these, and other sports equipment (including bicycles) are covered for their current value.

Frozen food

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.

Gradual damage

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

Living costs

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.

Earthquake cover

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.

Legal liability

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. 

Find out more

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.

Multi-policy discounts

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.

Sustainability upgrade

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

Small Print

  1. 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.

Our Qualifying Financial Entity Disclosure Statement may be obtained free of charge from any BNZ store or

View our PremierCare policy document.