The belongings we collect throughout our lives are valuable in more ways than one. That’s why we offer a Contents Insurance policy that gives Queenslanders peace of mind.
We provide comprehensive cover for just about all of the items inside and outside your home as well as a range of generous discounts and benefits.
Why choose our Contents Insurance?
- Cover for events including flood, storm, fire, hail, theft and more
- Emergency Home Assist for 24 hour a day help in the event of an emergency
- New for old replacement on your contents
- Voluntary excess - save on your premium by increasing your excess
- Pay by the Month - cut your bill into smaller, more manageable payments
- A speedy claims service with Queensland based call centres open 24 hours, seven days
What you get with this policy
The benefits listed below are a summary only and limits apply. Please refer to your PDS for full details, claim limits, exclusions, and terms and conditions.
Queensland has had its fair share of extreme weather events and we want to make sure you’re protected. We do this by covering you for a range of events including:
- flood and water runoff
- storm, cyclone, hail, fire, earthquake, tsunami
- lightning and power surge
- animal damage
- impact, explosion
- theft and vandalism
- leaks - bursting, leaking, discharging or overflowing of liquids
$20 million in legal liability cover
We will pay up to $20 million in legal liability for accidents resulting in death, injury or loss of property that occur in Australia. For example, if you're riding a bicycle and hit a runner due to a lapse in concentration, you may be liable to pay them compensation.
This covers you and any person who permanently lives with you at the insured address.
Emergency Home Assist
Get immediate help in the event of an emergency with your home (eg. burst pipes), 24 hours a day, by calling 1800 800 552. Find out more about Emergency Home Assist.
Extra living expenses
While your damaged home is being rebuilt or repaired, we will pay for reasonable extra living expenses. For example, fees to connect electricity or temporary fencing for your pet.
Cost towards attendance by a security firm
If an insured event occurs and your security firm has responded to a monitored alarm, we will pay up to $750 of the cost incurred by you.
Breakage of glass
We will pay for the cost of repairing or replacing glass that is a part of items of furniture.
We will cover your contents for up to $5000 while they are in a lockable room on a student campus within Australia.
Assistance with clean up costs
We will pay the cost of cleaning up mess or damage caused by a thief, vandals or forensic investigation by police.
Contents in storage
We will cover contents that you store away from your home for up to 60 consecutive days.
Contents in transit
We will cover your contents in certain situations while you are moving them to a new permanent address in Australia. Cover extends to 14 days from the day you start to move.
Temporary removal of contents
We cover the contents you have on you while you are temporarily away from your home for up to 30 consecutive days. For example, if you have your camera or laptop with you in a hotel.
Contents in a safety deposit box
We will cover the contents that you keep in a safe deposit box at a financial institution.
Credit card misuse
We pay certain costs you may be liable for if your credit card or other financial transaction card is lost or stolen.
We will cover the cost of replacing gifts you bought for a special occasion such as a wedding or Christmas gifts.
We will pay up to $1000 to replace personal documents, such as marriage certificates or passports that are lost or damaged by an insured event.
Storage costs after an event
We will pay the reasonable costs to store your contents if you need to move out of your home because of an insured event.
If we pay your claim for an insured event, we will also pay the costs to replace your visitor’s contents up to $500 per claim.
Removal of debris
We will pay for the reasonable costs of removing the debris caused by an insured event.
We will pay up to $5,000 to assist you with funeral expenses if you or a member of your family dies as a result of an insured event.
We pay the cost to replace water that is stolen from your outdoor water tank. This benefit attracts no excess.
Optional benefits are available with this policy, allowing you to extend your coverage for an additional cost.
The benefits listed below are a summary only and limits do apply. Please refer to your PDS for full details, claim limits, exclusions, and terms and conditions.
Under this benefit, we cover you for accidental damage and motor burnout. For example, if you spill a glass of water on your laptop.
With this option you can cover up to two of your four-legged friends.
We will cover up to $500 for veterinary care for each separate accidental injury or illness suffered by your dog or cat. This optional benefit does not cover elective, routine or preventative veterinary care, for example injections or worming.
This cover includes the loss or damage to domestic electrical items up to 10 years old (e.g. a fridge, oven or dishwasher). This option also covers you for any spoiled food resulting from motor burnout or power disruption.
You can choose to cover portable items for a higher value than what we cover them for under our standard policy. Portable items can include DVDs, coats and bags, jewellery, photographic equipment and more.
Your PDS outlines the two ways to cover your portable items – selected or group cover. This cover extends to across Australia and New Zealand. Limits apply.
Cover the valuable items inside your home for more than what we cover them for under the standard policy. This option allows you to nominate the sum insured yourself.
Save more with our discounts
We offer a great range of discounts that can significantly reduce the cost of insurance, saving you even more.
RACQ member loyalty discount
Are you an RACQ member? We’ll reward you with up to 17.5% discount on your Home and Contents Insurance depending on your level of membership.
If you have three or more qualifying insurance policies with RACQ, you may be entitled to up to 5% off each of your eligible policies.
Combined insurance discount
If you’re an owner-occupier and decide to combine your home and contents into a single policy, you can save up to 13% on your premium.
No claim discount
Haven’t made a claim in the last 12 months? You may be eligible for up to 7% off your premium.
Over 55 discount
If you are 55 years or over, an owner-occupier or tenant, and a nominated insured you may be entitled of a discount of 15%.
Please note that you cannot claim both the age discount and the Senior Card Holder discount.
Senior card holder discount
If you hold a Seniors Card, are an owner-occupier or tenant, and a nominated insured you may qualify for up to 15% off your home insurance and up to 25% off your contents insurance.
If you live in a unit, duplex, townhouse or villa you may be eligible for up to 20% off your premium.
If you have an alarm that is monitored 24 hours a day, seven days a week you may be eligible for up to 10% off your contents premium.
Want to know more?
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Speak with our friendly staff seven days a week.
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