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Why Choose Bank of Melbourne

Cover that moves with you
You could keep the same policy, even when you change address
Protect your belongings
Insure your own contents under your own policy, even in a share house 
Save 15% 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 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.

Offers


15%

save 15% when you buy online

Quote and buy online and save 15% off your annual premium for the first year with promotional code COVER.

Get a quote

Making a claim

Call the police
Contact the police on 000 if the damage is malicious, property has been stolen/lost or your home was illegally entered.
Damage inspection
Don’t allow anyone to repair the property until we’ve had a chance to inspect it
Next steps
If no further information is needed, we’ll settle your claim within 10 business days after we’ve received your documentation.
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)

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 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)

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 relevant Product Disclosure Statement, to see if the insurance is right for you.
View the Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement. (PDF 87KB)