Why choose Bank of Melbourne
Personal Valuables
Optional additional cover for jewellery, sporting items, computer and entertainment systems.
Flexible payment options
Manage your budget – pay by the month at no extra cost^
24/7 claims support
We’ll do what we can to help support you every step of the way
Contents Insurance Online Offer
15%
Save 15% when you quote and buy Contents Insurance online*
Quote and 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.
Essential Care
Provides a basic level of cover to protect your contents against loss or damage.
Essential Care also comes with these additional benefits:
- Sum insured safety net: up to 5%1
- Emergency accommodation: up to $5,0002
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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 with these additional benefits:
- Sum insured safety net: up to 10%1
- Emergency accommodation: up to 12 months or 10% of the sum insured (whichever is less)2
____________________________________
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 with these additional benefits:
- Sum insured safety net: up to 20%1
- Emergency accommodation: up to 12 months or 10% of the sum insured (whichever is less)2
____________________________________
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.
Key Facts Sheets (KFS):
Home Building Essential Care KFS (PDF 311KB)
Home Contents Essential Care KFS (PDF 335KB)
Home Building Quality Care KFS (PDF 311KB)
Home Contents Quality Care KFS (PDF 336KB)
Product Disclosure Statements (PDS)
Home and Contents Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (PDF 1MB) (applicable to policies issued or renewed on or after 1 July 2019)
Home and Contents Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (PDF 1MB) (applicable to policies initially issued in the period between 30 June 2018 and 30 June 2019; or renewed in the period between 30 July 2018 and 30 June 2019)
This information does not take your personal objectives, circumstances or needs into account. Read the relevant PDS(s) to see if this insurance is right for you.
* Quote and buy online and save 15% off your annual premium for the first year with promotional code COVER. Plus, save 10% when you combine building and contents at the same address under the one policy.
^ Premiums payable by instalments may be subject to minor adjustments due to rounding, and financial institution transaction fees may apply.
1. Safety net of between 5% and 20% of your sum insured, depending on your type of cover.
2. If your home is unliveable we will cover up to $5,000 (Essential Care) or up to 10% of the sum insured for up to 12 months (under Quality or Premier Care) for similar alternative accommodation.
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.