Renters
Protect your stuff with contents insurance that could move with you from home to home.
InsuranceWhy Choose Bank of Melbourne
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.
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.
The Detail
Cover is subject to your application for insurance being accepted.
Win a $5,000 gift card promotion. For eligible policies purchased between 12am AEDT on 12/02/2018 and 11:59pm AEDT 16/03/2018. Promotion opens 12am AEDT on 12/02/2018 and closes 11.59pm AEDT on 16/03/2018. Entry is open to all Australian residents aged 18 years or over. Westpac Group employees and contractors are not eligible to enter. To enter the promotion, successfully purchase a policy under any of the following products: St.George Contents Insurance for a home occupied as a Tenant (an “Eligible Policy”). Winners are drawn weekly on Tuesdays at 11.30am at Level 11, 200 Barangaroo Avenue, Sydney NSW 2000. Winners notified in writing or via phone and their names will be published in the Public Notices section of The Australian Newspaper on 7/03/2018, 21/03/2018 and 28/03/2018. The promoter is Westpac General Insurance Limited, ABN 99 003 719 319. Authorised under trade promotion permits: NSW TP 18/21671; ACT TP 18/00075.1; SA T18/73. View full terms and conditions.
- 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.
© Bank of Melbourne – a Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.