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Contents insurance

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  • Broad range of cover protecting the things that are important to you
  • Choose from three flexible levels of cover
  • Get a quote in one easy phone call.

Compare contents insurance options

 Premier Executive
Contents
Premier Super
Thrifti Contents
Premier (Basic)
Thrifti Contents
Base cover
Base coverCovers you for sudden and unforeseen accidental physical loss or damage to your contents unless the loss or damage is not covered by the policy.Covers you for sudden and unforeseen accidental physical loss or damage to your contents caused by:

  • fire, lightning, explosion, thunderbolt

  • strike, riot, civil commotion

  • aircraft, aerial devices

  • burglary, theft, malicious acts

  • impact by vehicles, animals

  • water discharged, overflowing or leaking from any water or cooling system

  • breakage of mirrors, plat glass tops of furniture, fixed glass in furniture


unless the loss or damage is not covered by this policy.
Covers you for sudden and unforeseen accidental physical loss or damage to your contents caused by:

  • fire, lightning, explosion, thunderbolt

  • strike, riot, civil commotion

  • aircraft, aerial devices

  • impact by vehicles, animals

  • water discharged, overflowing or leaking from any water or cooling system

  • malicious acts


unless the loss or damage is not covered by this policy.
Liability cover
Liability cover

Liability cover
Covers you if an accident happens at your house which causes loss or damage to property or bodily injury.

Up to $500,000Up to $250,000
Furniture, furnishings and home appliances
Furniture, furnishings and home appliancesReplacement or repair cover for items under 10 years old

Indemnity for items over 10 years old
Replacement or repair cover for items under five years old

Indemnity for items over five years old
Indemnity cover only
All other contents and personal effects coverIndemnityIndemnityIndemnity
Jewellery, watches, any item or set of photographic or video equipment

Jewellery, watches, any item or set of photographic or video equipment
Maximum limits (unless specified) for any item or set of jewellery, any watch, any item or set of photographic or video equipment (including accessories)

$750$300$300
Items other than jewellery, any watch, any item or set of photographic or video equipment

Items other than jewellery, any watch, any item or set of photographic or video equipment
Maximum limits (unless specified) for any one item (other than jewellery, any watch, any item or set of photographic or video equipment, including accessories, and carpets)


$5,00020% of the sum insured20% of the sum insured
Collection of items other than furniture or furnishings

Collection of items other than furniture or furnishings
Other maximum limits for any collection of items other than furniture or furnishings (in total)

$3,000$1,000$1,000
Money, bullion, precious stones, negotiable securities or documents

Money, bullion, precious stones, negotiable securities or documents
Other maximum limits for any money, bullion, precious stones, negotiable securities or documents (in total)


$1,000$200$200
Special benefits
No claims bonus

No claims bonus
A discount if you have been claims free with us for 12 months.



An ‘Extra No Claims Bonus’ after a further 12 months


An ‘Extra No Claims Bonus’ after a further 12 months


An ‘Extra No Claims Bonus’ after a further 12 months
Replacement keys and locks (no excess)

Replacement keys and locks (no excess)
If your house keys are stolen or illegally duplicated, we will pay for replacement keys and locks, as well as the costs of opening a safe if the key or combination is lost or stolen.

Up to $500Up to $500
Credit or debit card fraud

Credit or debit card fraud
We'll cover the cost of fraudulent use of your credit and / or debit card.

Up to $1,000
Fatal injury

Fatal injury
An amount we will pay your estate if you die as a result of an injury caused by fire or anyone unlawfully entering your house.

$5,000
Frozen foods

Frozen foods
We’ll cover your frozen food if your refrigeration equipment accidentally stops and food deteriorates to the point that it is not safe to eat.

Up to $500Up to $500
Gradual damage

Gradual damage
we’ll repair the damage to your contents caused by a leaking internal water pipe or waste disposal pipe.


Up to $1,000
Temporary storage after loss

Temporary storage after loss
We’ll pay the reasonable cost of storing your contents (if required) if your house suffers loss or damage.


Up to $2,000
Temporary accommodation expenses

Temporary accommodation expenses
We’ll pay the reasonable temporary accommodation expenses if your house suffers loss or damage and the house is uninhabitable as a result.

Up to $10,000Up to $5,000
One event - one excess

One event - one excess
If one event causes you to claim under two or more of your TOWER policies - such as your house, contents and vehicle, you will only have to pay one excess.

Stress benefit

Stress benefit
An amount we’ll pay you if we accept a total loss claim on your contents, to acknowledge the stress this may have.

$1,000
Temporary removal

Temporary removal
We’ll cover the cost of the temporary removal of your contents from your house.

Automatically covered
Fines and legal defence costs

Fines and legal defence costs
We’ll cover the cost of defending any charge or any fine or cash penalty imposed upon you by law as a result of an offence under the Health & Safety at Work Act.


Up to $20,000

Additional $500 excess applies
Up to $20,000

Additional $500 excess applies


Tenants liability

Tenants liability
We’ll cover the loss or damage caused by fire, explosion, impact, water damage or accidental breakage of fixed glass, hand basins, sinks, toilet pans and cisterns, that form part of the house that you live in, but do not own.


Optional special benefits
Earthquake

Earthquake
We’ll cover the loss or damage to your house caused by an earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.

Up to sum insuredUp to sum insuredUp to sum insured
Gale, windstorm, hurricane, cyclone

Gale, windstorm, hurricane, cyclone
We’ll cover the loss or damage to your house caused by a gale, windstorm, hurricane or cyclone.

Up to sum insuredUp to sum insuredUp to sum insured
Domestic employee’s

Domestic employee’s
We’ll cover your legal liability to domestic employees in accordance with the Fiji Workmen’s Compensation Act and its amendments. In addition your legal liability to domestic employees at Common Law.



Common Law - up to $500,000


Common Law - up to $500,000
Personal effects

Personal effects
We’ll cover the indemnity value (up to the sum insured) for sudden and unforeseen accidental physical loss or damage to your personal effects carried by you anywhere in Fiji.

Automatically covered
Higher excess to reduce premium

Higher excess to reduce premium
You can choose a higher excess (to reduce premium)

Need more information?
Download the policy document

Download the policy document
For more information on each product download the policy document.

Download the Premier
Executive Contents policy document


Click here to download

Download the Premier
Super Thrifti Contents policy document


Click here to download

Download the Premier
(Basic) Thrifti Contents policy document


Click here to download

Contents insurance policies in detail

Premier Executive Contents Insurance

Premier Super Thrifti Contents Insurance

Premier Thrifti Contents (Basic) Insurance