THIS PAGE HAS NOT BEEN UPDATED SINCE EARLY 2011.
It is being made available only for archival purposes, and reflects the situation prior to the Christchurch earthquakes.
It does not reflect current premium rates or coverage. Do not use it for current reviews.
| 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 |
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
|
Dentures, hearing aids and spectacles replaces
|
$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: | ||||||||||