In conjunction with your Contents insurance policy, you can add cover to protect your valuable personal possessions away from your home such as jewellery, cameras, binoculars and other personal items.
We give you the option of selecting the cover that best suits your needs. You can select cover for items that are special to you and specify them individually in the policy as a specified personal effect.
However, if you have many items that you wish to cover you can select our unspecified personal effects cover. This cover provides protection for a broad range of items subject to agreed limits per item and in total for any one claim.
For instance, you may be best protected by taking out unspecified personal effects cover with a limit of $1,000 for any one item and $3,000 for any one claim. In the event of a claim you will be covered for up to $3,000 worth of personal effects subject to a maximum payment of $1,000 for any one item.
What are unspecified personal effects?
We will cover you in respect of the following unspecified personal effects:
- travellers' suitcases and bags, handbags, briefcases, wallets and purses, but not the contents of these items (apart from the property described in clauses 2 to 14 below)
- clothing;
- jewellery, watches or items containing silver or gold;
- cosmetics and toiletries
- clocks
- sporting equipment, but not watercraft, camping equipment or motor or trail bikes
- musical instruments
- photographic or video equipment
- binoculars or telescopes
- writing instruments
- spectacles and sunglasses
- dentures or hearing aids
- personal audio and video equipment and up to four cassettes or discs (DVD, CD or Mini Discs) used with the equipment; and
- pocket calculators and personal organisers, but not portable computers.
Note: mobile phones and personal computers can be insured as specified personal effects.
What are specified personal effects?
Specified personal effects are those items which you requested us to list separately in the current schedule. Specified items are covered up to the amount of their individual sum insured (less any excess[es] which may be payable) as stated in the current schedule under the heading "Part B - Personal Effects".
