Frequently Asked Questions

We will cover you for loss to your contents during the period of insurance while they are at your home and, anywhere in New Zealand if they are temporarily away from your home for use. We will cover you in the way that is explained in the “What Happens If You Need To Claim” section of the policy wording.
Contents insurance is designed to protect your belongings. The test is, can it reasonably be removed and taken to another home. If it can, then it would generally be part of the contents.
When you take out contents insurance, you will be asked how much cover you want. This figure you choose should represent the total value of the possessions in your home and how much it would cost to replace them in the event of a total loss. Take a look at our blog for a guide to calculating the cost of your possessions around the home.
Specified items are those that have a value higher than the limit stated in the policy wording. Any item that is listed in the policy schedule with a corresponding specified sum insured. To find out what items you need to specify, please refer to your policy wording.
It's important that the sum insured you provide for your home is accurate. We recommend you review your sum insured each year with renewal, taking into consideration any new items you have acquired.
If you wish to cancel or change your policy, please email your details to info@cover.co.nz