Looking for contents insurance?

You’ll receive 1 Airpoint Dollar™ for every $100 you spend on your premium each year when you purchase or renew your policy. Ts&Cs apply.

We'll pay for the loss to your contents anywhere in New Zealand.

If your contents suffer from natural disaster damage we’ll cover the loss up to your sum insured, minus any applicable excesses.

If something happens we’ll replace or repair your contents up to the limits in your policy including your sum insured.

We’ll cover your mobile phone if it’s damaged, lost or stolen.

Individual items of jewellery, or sets (for example, earrings) will be covered up to a limit. You need to tell us if you have items worth more than these limits, so we can make sure they’re covered. You’ll also need to pay extra to cover them.

This is the most that we’ll pay out at any one time, if you make a claim for your unspecified jewellery.

If you operate a business from your home, we’ll cover your home office equipment.

If your prescription glasses or contact lenses are damaged, lost or stolen, we'll repair or replace them. If you are one of our Premium or Plus cover customers, you'll pay a reduced excess of $100.

We'll cover your leisure and recreational equipment like surfboards, kayaks, e-scooters or e-bikes and camping equipment as part of your policy.

We’ll organise the replacement of your keys or locks if they’re stolen, lost, or illegally duplicated, and you won’t need to pay an excess.

We’ll pay to replace your frozen or refrigerated food if it is spoiled and unsafe to eat because your refrigeration or freezer equipment accidentally stops.

When moving from one house to another, your contents are covered for fire, collision or overturning of the vehicle while in transit. We'll cover your contents at both houses for up to 14 days.

Where we pay for loss to window coverings in the room wherethe loss occurred, we’ll also pay for the replacement of identical window coverings in other rooms if we’re unable to match them.

If your child is a student living at a halls of residence, a school hostel or at a private home as a boarder, we’ll cover their contents too.

If there’s an accident which causes damage to someone else’s property, we’ll cover you for your legal liability.

Pay only one excess when claiming on multiple policies for a single incident at the same address.

If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.