Contents insurance

Choose from three flexible levels of cover to protect the things that matter most to you. We also offer the optional benefit of cyclone cover.

Call us on +679 331 5955 or request a quote online.

Compare our contents insurance

These are summaries only. You can read the full list of benefits, terms and conditions in our policy wordings.

Liability cover

Covers you if an accident happens which causes loss or damage to property or bodily injury.

Premier Executive
Up to $500,000
Premier Super Thrifti
Up to $250,000
Most popular

Replacement or repair cover for Furniture, furnishings and home appliances

"Replacement value" means the cost at the time of loss or damage to replace or repair to the same condition and extent as when new up to the sum insured.


Indemnity value for Furniture, furnishings and home appliances

"Indemnity value" means the cost at the time of loss or damage of rebuilding, replacing or repairing your contents to a condition no better than new less an appropriate allowance for depreciation and deferred maintenance.


Premier Executive
>10 years old

Premier Super Thrifti
>5 years old
Most popular

Premier Basic Thrifti
Indemnity cover only

Indemnity value for All other contents and personal effects cover

"Indemnity value" means the cost at the time of loss or damage of rebuilding, replacing or repairing your contents to a condition no better than new less an appropriate allowance for depreciation and deferred maintenance.


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)


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)


Premier Super Thrifti
20% of the sum insured
Most popular

Premier Basic Thrifti
20% of the sum insured

Collection of items other than furniture or furnishings

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


No-claims bonus

A discount if you have been claims free with us for 12 months. You'll get an extra bonus after a further 12 months.


Replacement keys and locks (no excess)

We'll pay for replacement keys and locks if they're stolen, lost or illegally duplicated, as well as the costs of opening a safe if the key or combination is lost or stolen.


Credit or debit card fraud

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


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.


Gradual damage

We'll repair damage to your contents caused by a leaking internal water pipe or waste disposal pipe.


Temporary accommodation expenses

We’ll pay reasonable temporary accommodation expenses if your house is uninhabitable due to loss or damage.


Temporary storage after loss

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


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

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


Fines and legal defence costs. Additional $500 excess applies.

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


Premier Executive
Up to $20,000

Premier Super Thrifti
Up to $20,000
Most popular

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 benefits




Earthquake

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


Premier Executive
Up to sum insured

Premier Super Thrifti
Up to sum insured
Most popular

Premier Basic Thrifti
Up to sum insured

Gale, windstorm, hurricane, cyclone

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


Premier Executive
Up to sum insured

Premier Super Thrifti
Up to sum insured
Most popular

Premier Basic Thrifti
Up to sum insured

Personal effects

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


Premier Executive
Automatically covered

Premier Super Thrifti
Most popular

Premier Basic Thrifti

Cyclone cover

Important reminder regarding the Cyclone cover optional special benefit. Please read to make sure you are adequately covered if you have elected this option.

Important reminder about cyclone cover (PDF, 51KB)

Cyclone safety tips

Emergency preparations

When emergencies happen, you don’t get time to put together your survival essentials. That’s why it’s important to have emergency kits set up in your home ready for action.

Be prepared for an emergency (PDF, 54KB)