| Institution |
Policy name |
Underwriter
and Rating |
Basis of cover |
Basis of settlement |
Personal
effects |
Contact lens, etc. cover
Note 1 |
Unspecif
jewelry limits |
Other main limits |
Liability
cover |
Our
Score |
| IMPORTANT: See notes at foot of page. Details on this page are for your easy reference only, and do not replace the actual policy wordings. Once you have selected a short-list, we strongly recommend you read the actual policy coverage, and get a professional independent assessment of your requirements. |
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| AA Insurance |
Contents Cover
(accidental damage) |
Self
A+ (S&P) |
Accidental damage anywhere in NZ |
Replacement except personal items |
Anywhere in NZ , subject to item limits |
Covered with exceptions |
$1,000 per item, $3,000 in total
|
Low |
$1 mil |
58% |
| AA Insurance |
Contents Cover (defined events) |
Self
A+ (S&P) |
Defined events anywhere in NZ |
Replacement except personal items |
stated events at situation only |
Defined events |
$1,000 per item, $3,000 in total
|
Low |
$1 mil |
40% |
| AMI |
Advanced |
self
A+ (AM Best) |
Accidental damage anywhere in NZ |
Mostly replacement except for some personal effects |
Accidental damage anywhere in NZ |
Accidental damage up to 5 yrs replaced |
$1,000 per item |
Low |
$1 mil |
66% |
| Ansvar |
Omega |
Self
A-- (AM Best) |
Accidental damage anywhere in NZ, Aust. and Sth Pacific |
Mostly replacement except for some personal effects |
Accidental damage anywhere in NZ, Aust. and Sth Pacific |
Replacement, except dentures |
$5,000 per item, $15,000 aggregate |
Medium |
$1 mil |
82% |
| BNZ |
Premier |
IAG
AA (S&P) |
Accidental damage anywhere in NZ |
Mostly replacement except for some personal effects |
Accidental damage anywhere in NZ |
Replacement |
$2,500 |
Medium |
$1 mil |
65% |
| NZI |
Echelon |
self
A+ (S&P) |
Accidental damage anywhere in NZ |
Mostly replacement except for some personal effects |
Accidental damage anywhere in NZ, Aust. and Sth Pacific |
Replacement |
$3,000 per item, aggregate for jewelry is $15,000 |
Medium |
$1 mil |
77% |
| NZI |
Supersurance |
self
A+ (S&P) |
Accidental damage anywhere in NZ |
Mostly replacement except for some personal effects |
Accidental damage anywhere in NZ |
Replacement with no limit |
$2,000 per item, aggregate for jewelry is $15,000 |
Low to Medium |
$1 mil |
68% |
| State |
Essentials |
self
A+ (S&P) |
Defined events anywhere in NZ |
Market value only |
Defined events anywhere in NZ |
Market value for defined events - no limit |
$2,500 per item, aggregate $15,000 |
Low to Medium |
$1 mil |
47% |
| State |
Comprehensive |
self
A+ (S&P) |
Accidental damage anywhere in NZ |
Mostly replacement except for some personal effects |
Accidental damage anywhere in NZ |
Replacement applies |
$2,500 per item, aggregate $15,000 |
Medium |
$1 mil |
73% |
| Tower |
Maxi |
self
A- (AM Best) |
Accidental damage anywhere in NZ |
Replacement most contents with age limits |
Accidental damage in NZ limited to market value |
Market value option to extend to full replacement |
$2,500 limit per item |
Medium |
$1 mil |
72% |
| Vero |
MaxiPlan |
self
A+ (S&P) |
Accidental damage anywhere in NZ |
Mostly replacement except for some personal effect |
Accidental damage in NZ. Clothing market value |
Full replacement with no limit per item |
either $2,000 or $3,000 per item, aggregate $10,000 |
Medium |
$1 mil |
65% |
| Westpac |
Full Cover
|
Lumley
A- (S&P) |
Accidental damage anywhere in NZ |
Mostly replacement except for some personal effect |
Accidental damage anywhere in NZ, Aust. and Sth Pacific |
No limit and replacement cover applies |
$2,500 and replacement conditions apply |
Medium |
$2 mil |
75% |
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| Note 1: this column covers contact lenses, glasses/spectacles, dentures, and hearing aids. |
| Note 2: |
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