Contents Only
Covering your personal belongings only
Defined Events or Full Accidental Damage Cover
Automatic Flood Cover
Automatic Cover for Valuables (Limits Apply)
Sum Insured Uplift during Policy Period
Legal Liability up to $30M, not $20M
Cover for Contents left in the Open Air
Cover for Contents Away from the Premises
Cover for Portable Items Away from the Premises (Optional)
Motor Burnout Protection
Identity Theft Protection
Your Contents Insurance Benefits at a glance
This benefits summary is intended to provide a snap shot of the policy coverage available through Brees. It provides a description of risks that are covered, those that are not covered, including additional benefits and optional covers. It does not provide a complete statement of the cover offered, any exclusions under the policy, or conditions and/or all limits that may apply under each type of Cover. You should carefully read the Product Disclosure Statement (PDS) and all policy documentation for full details.
| Policy Coverage | |||
|---|---|---|---|
| Accidental destruction, loss or damage |  | |  Accidental Damage covers any loss or damage that is not specifically excluded under the policy along with any Additional Benefits noted below |
| Listed events: | Basic covers those events listed (or defined) in the policy along with any Additional Benefits noted below | Listed Events covers those events listed (or defined) in the policy along with any Additional Benefits noted below | |
| Smoke | | | |
| Fire | | | |
| Storm | | | |
| Lightning/Thunderbolt | | | |
| Flood | | | |
| Rainwater | | | |
| Hail | | | |
| Wind | | | |
| Landslide | | | |
| Earthquake and Tsunami | | | |
| Explosion | | | |
| Vandalism or Malicious | | | |
| Riots or Civil Commotion | | | |
| Escape of Liquid | | | |
| Burglary or Housebreaking | | | |
| Theft | | | |
| Broken Glass | | | |
| Motor Burnout | | | |
| Accidental Breakage | | | |
| Impact by Aircraft/Spacecraft | | | |
| Impact by Falling Tree | | | |
| Impact by Falling TV/Antenna | | | |
| Impact by any animal/ Bird | | | |
| Impact by Vehicles ? Watercraft | | | |
| Power Surge | | | |
| Flood | | | |
| Storm Surge | Covered if caused by another listed event | Covered if caused by another listed event | |
| Tsunami | Covered if loss occurs within 72 hours | Covered if loss occurs within 72 hours | Covered if loss occurs within 72 /hours |
| Landslide or Subsidence (if caused by storm, flood, earthquake, tsunami, explosion or escape of liquid from a pipe) | Covered if loss occurs within 72 hours | Covered if loss occurs within 72 hours | Covered if loss occurs within 72 hours |
| Contents in the open air at insured address | Up to greater of $5,000 or 8% of general contents sum insured | Up to greater of $5,000 or 8% of general contents sum insured | Up to the general contents sum insured |
| Contents in commercial storage | | Up to general contents sum insured (exclude jewellery, money or negotiable instruments) | Up to general contents sum insured (exclude jewellery, money or negotiable instruments) |
| Contents away from the insured address | Limited cover anywhere in Australia up to 90 consecutive days up to 25% of the general contents sum insured | Limited cover anywhere in Australia up to 90 consecutive days up to 25% of general contents sum insured | Anywhere in Australia/New Zealand, anywhere in the rest of the world for up to 180 consecutive days. |
| Jewellery and watches (Unspecified) | Up to $1,000 per item, $10,000 in total | Up to $5,000 per item, up to 25% of sum insured | Up to $10,000 per item, up to 25% of sum insured |
| Collections, sets and memorabilia (Unspecified) | Up to $1,000, up to $5,000 per collection, $10,000 total | Up to 25% of sum insured, up to $5,000 per collection, $10,000 total | Up to 25% of sum Insured, $10,000 any one item |
| Artworks | Up to general contents sum insured | Up to general contents sum insured | Up to general contents sum insured |
| Tools of Trade at situation | Up to $5,000 | Up to $5,000 | Up to $7,500 |
| Money, bullion and negotiable instruments | Up to $1,200 and up to $1,000 for guests/ visitors/ employees | Up to $1,200 and up to $1,000 for guests/visitors/ employees | Up to $1,500 including guests/visitor/employees |
| Unattached accessories and spare parts | Up to $1,500 per item and $2,500 total | Up to $1,500 per item and $2,500 total | Up to $2,000 per item and $4,000 total |
| Handwoven carpets and rugs | Up to general contents sum insured | Up to general contents sum insured | Up to general contents sum insured |
| Contents in Transit to a new address | | | |
| Contents at your new address | Up to 45 days | Up to 45 days | Up to 45 days |
| Contents of Invited Guests | Up to $5,000 | Up to $5,000 | Up to $5,000 |
| Storage of Undamaged Contents | Reasonable costs for up to 12 months | Reasonable costs for up to 12 months | Reasonable costs for up to 12 months |
| Optional Covers Contents | |||
| Specified valuable items | |||
| Specified portable items | |
||
| Unspecified portable items | |
||
| Additional Benefits | |||
| Sum Insured Uplift during policy period | 0.5% increase per month | 0.5% increase per month | 0.5% increase per month |
| Removal of Debris | Reasonable costs | Reasonable costs | Reasonable costs |
| Removal of Trees | Following an impact | Following an impact | Following an impact |
| Prevention of further loss or damage | Reasonable costs | Reasonable costs | Reasonable costs |
| Replacing Important Documents | | Up to sum insured | Up to sum insured |
| Counselling following Fire / Theft | | | Up to $1,000 |
| Fatal Injury Benefit | Up to $15,000 | Up to $15,000 | Up to $15,000 |
| Motor Burnout | Less than 7 years old | Less than 15 years old | Less than 15 years old |
| Pet Cover | | Up to $1,000 | Up to $1,000 |
| Food and Medication Spoilage | | | |
| Identity Theft | | | Up to $5,000 |
| Credit Card Fraud | Up to $5,000 | Up to $5,000 | Up to $5,000 |
| Tax Audit | Up to $5,000 | Up to $5,000 | Up to $5,000 |
| Security Attendance Fees | Up to $1,250 | Up to $1,250 | Up to $2,500 |
| Fire Brigade Attendance Fees | | Up to $500 | Up to $500 |
| Money / Negotiable Instruments of Invited Guests | Up to $1,000 | Up to $1,000 | $1,500 |
| Denial of Access | Reasonable costs up to 60 days | Reasonable costs up to 60 days | Reasonable costs up to 60 days |
| Un-Occupancy Period | Up to a continuous period of 90 days | Up to a continuous period of 90 days | Up to a continuous period of 100 days |
| Loss or Damage caused by Defects or Faulty Design | | | |
| Additional Cover – Accidental Damage | $5,000 Excess applies | $5,000 Excess applies | Standard Excess applies |
| Legal Liability Cover | |||
| Legal Liability Cover | Up to $20,000,000 | Up to $30,000,000 | Up to $30,000,000 |
| Legal Liability for Committee Members of Sporting Clubs | | Up to $10,000 | Up to $10,000 |
| Expenses incurred in Attending Court | Up to $250/day, $5,000 in total | Up to $250/day, $5,000 in total | Up to $250/day, $5,000 in total |
Download PDF
Contents Only Policy Document – Product Comparison(175.44 KB)
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