Why choose Bank of Melbourne Contents Insurance
Offers
15%
save 15% when you buy online
Buy online and save 15% off your annual premium for the first year with promotional code COVER.
What level of cover do you need?
Here are the main features of the 3 levels of cover. Full details available in the PDS (PDF 2MB).
Essential Care
Provides a basic level of cover to protect your contents against loss or damage.
Essential Care also comes automatically with these additional benefits:
- Sum insured safety net: up to 5%
- Emergency accommodation: up to $5,000
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Cover Limits
Some items are covered up to a certain limit, unless extra cover is taken out. For example:
- Jewellery and watches: up to $500 per item ($3,000 in total)
- Artwork: up to $3,000
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You're covered for loss or damage caused by:
- Theft
- Storm, flood, fire, lightning, earthquake, impact, explosion
- Escape of liquid
- Malicious acts, riot and civil commotion
You’re also covered for legal liability of up to $20 million.
Quality care
Covers your contents against loss or damage from a wider range of events, with additional benefits like emergency storage for contents.
Quality Care also comes automatically with these additional benefits:
- Sum insured safety net: up to 10%
- Emergency accommodation: up to 12 months or 10% of the sum insured (whichever is less)
____________________________________
Cover Limits
Some items are covered up to a certain limit, unless extra cover is taken out. For example:
- Jewellery and watches: up to $1,000 per item ($5,000 in total)
- Artwork: up to $10,000
____________________________________
You're covered for loss or damage caused by:
- Theft
- Storm, flood, fire lightning, earthquake, impact, explosion
- Escape of liquid
- Malicious acts, riot and civil commotion
- Accidental breakage of glass
- Electrical motor burnout
You’re also covered for legal liability of up to $20 million.
Premier care
All of the benefits of Quality Care with the extra protection of cover for accidental damage.
Premier Care also comes automatically with these additional benefits:
- Sum insured safety net: up to 20%
- Emergency accommodation: up to 12 months or 10% of the sum insured (whichever is less)
____________________________________
Cover Limits
Some items are covered up to a certain limit, unless extra cover is taken out. For example:
- Jewellery and watches: up to $5,000 per item ($20,000 in total)
- Artwork: up to $20,000
____________________________________
Loss or damage caused by:
- Theft
- Storm, flood, fire lightning, earthquake, impact, explosion
- Escape of liquid
- Malicious acts, riot and civil commotion
- Accidental breakage of glass
- Electrical motor burnout
- Accidental loss or damage to your contents
You’re also covered for legal liability of up to $20 million.
The Detail
Cover is subject to your application for insurance being accepted.
- Home Building Essential Care KFS (PDF 311KB)
- Home Contents Essential Care KFS (PDF 311KB)
- Home Building Quality Care KFS (PDF 311KB)
- Home Contents Quality Care KFS (PDF 336KB)
- Home Building Premier Care KFS (PDF 311KB)
- Home Contents Premier Care KFS (PDF 341KB)
Product Disclosure Statements (PDS)
- Home and Contents Insurance Product Disclosure Statement (PDF 2MB) (Applicable to policies initially issued on or after 26 October 2015)
- Home and Contents Insurance Product Disclosure Statement (PDF 2MB) (Prepared 21 September 2013) (applicable to current policies last renewed before 28 December 2015)
- Home and Contents Insurance Product Disclosure Statement (Prepared 21 September 2013) and Supplementary Product Disclosure Statement (PDF 1023KB) (applicable to current policies last renewed on or after 28 December 2015)
Home and Contents Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (except workers compensation cover where applicable). Bank of Melbourne – a Division of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) distributes the insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Read the Product Disclosure Statement, to see if this insurance is right for you.