Use our quick quote tool on the ASB Mobile Banking app or FastNet Classic internet banking to get your cover sorted fast.
Get covered online in minutes
Prefer a chat?
Call us on 0800 200 252 and we'll help you find the right cover.
Why choose ASB Contents insurance?
-
Cover that follows you.
At home, in storage, or on the move, your belongings are protected from accidental damage, loss or theft - even when you're between addresses. -
Flexible payment options.
Insurance should fit your life, not the other way around. Choose to pay your premiums fortnightly, monthly, or quarterly, at no extra cost.
-
Simplify your life (and your logins).
Manage your insurance alongside your banking. Claim, change, or review your policy online, anytime. -
Backed by New Zealand's largest insurer.
Your policy is underwritten by IAG New Zealand Limited (IAG), giving you trusted cover and support when you need it most.
Check out the features and benefits of ASB Contents Insurance
|
Sudden and accidental loss or damage
|
|
|
Legal liability for damage or injury to another person or property
|
|
|
Contents in storage or transit
|
|
|
Belongings with you or your family on overseas trips
|
|
|
Food spoilage - cover for accidental loss to contents of a refrigerator or freezer
|
|
|
Hidden gradual damage - cover for contents damaged gradually (rather than suddenly) by a hidden water leak
|
|
|
Home office equipment
|
|
|
Moving to a new house
|
|
|
Removal of unrepairable items
|
|
|
Replacement of keys and locks
|
|
|
Stress payment (additional payment following a total loss)
|
|
|
Students living away from home
|
|
|
Temporary accommodation
|
|
|
Watches, earrings or other jewellery
|
Up to $3,000 per item
(Unless specified) |
|
Paintings, pictures or works of art
|
Up to $10,000 per item
(Unless specified) |
|
Cameras and remotely piloted aircraft (drones), including their parts and accessories
|
Up to $5,000 total for all items
(Unless specified) |
|
Bicycles
|
Up to $3,000 per item
(Unless specified) |
|
Excess-free spectacles, dentures, and hearing aids |
Optional benefit
available to purchase |
|
Lifestyle block contents and tools of trade
|
Optional benefit
available to purchase |
For the full list (and the fine print), check out the policy wording.
How does our contents cover work?
Types of cover
Your belongings deserve protection, and we've got three ways to make that happen.
-
Repair: For any damaged items, we'll need to decide if it's economic to repair ("economic to repair" means the repair costs less than replacing the item). If it is, we'll cover the cost to repair it as near as reasonably possible to the same or similar condition it was in before the damage. For example, if repairing a damaged TV would cost $500 and replacing it would cost $1,000, it's economic to repair.
-
Replacement: For lost, stolen or damaged items that can’t be repaired, we'll replace them with the closest equivalent or pay their value.
-
Present value: For things like books, clothing or footwear, we'll pay what they're worth today - not brand new, but fair for something of a similar age and condition. We do the same for computer hardware and mobile phones that are over five years old.
Your policy wording will have more information on which items are covered for replacement or present value.
Know your cover limits.
- Contents sum insured: This is the amount your contents are covered for (excluding specified items) and includes GST. Make sure it reflects the current value of all your stuff - furniture, appliances, electronics, clothing.
- Specified sum insured: Got something extra special, like jewellery, art, or a bike worth more than the policy limit? You may need to list it separately on your policy (as a specified item), so it's covered for the amounts you specify. Because specified items are covered individually, you don't need to include their value in your contents sum insured.
It's a good idea to review your contents cover regularly. We often buy new things, sell old ones, or upgrade a phone or laptop. Checking your contents sum insured helps make sure your cover still matches what you own today. Find out more here, or use the Contents Sum Insured calculator to get your cover level right.
Need to make a claim?
How to claim:
Check out our tips and things to have handy to make your claim as smooth and speedy as possible.
Ready to claim?
It's easy to do, just submit your claim online or call us on 0800 200 242.
All your insurance, all in one place.
With ASB, you can protect your home, your stuff, and your family - all in one place. Our experts are here to help you find cover that's just right for you.
The availability of insurance cover is subject to your application being approved. Terms, conditions and exclusions apply. For full details, refer to the Policy Wording which is available from ASB Bank Limited. ASB General Insurance is arranged by ASB Bank Limited and underwritten and administered by IAG New Zealand Limited. See details about IAG's financial strength rating.