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Contents insurance

Protect the things that matter most to you. We also offer the optional benefit of cyclone cover.

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Tower Insurance

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This is a summary only. You can read the full list of benefits, terms and conditions in our Contents Plus and Contents Standard policy wordings.
 

Plus

Standard

Accidental loss or damage

You’ll be covered for sudden and accidental physical loss or sudden and accidental physical damage to your contents.

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At your house

Basis of settlement

This is how we will settle any accepted claim that you make under your policy.

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Replacement value

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Replacement value

Single item limit

This policy has a maximum amount we will pay for any individual item. Some items have different limits – please check your policy document.

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$5,000

Standard

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$1,000

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.

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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.

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$500

Standard

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$250

Gradual damage to your contents

Loss from gradual deterioration including damage arising from or involving action of micro-organisms, atmospheric or climatic conditions, corrosion, fungi, rust, rot, mildew, mould, smoke or particles.

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$1,000

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Nil

Temporary accommodation expenses

We'll cover temporary accommodation expenses if your house is damaged and is uninhabitable as a result.

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$10,000

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$5,000

Liability protection

We’ll cover you for your legal liability to others arising from accidental physical property damage occurring in Fiji during the period of insurance.

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$500,000

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$500,000

Fatal injury to you

We’ll pay your estate in the event of your death from an injury caused by a fire at your house covered by this policy, or by anyone who unlawfully enters your house, during the period of insurance.

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$5,000

Standard

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Nil

Optional benefits

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.

Earthquake

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

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Gale, windstorm, hurricane, cyclone

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

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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)

List of Approved Engineers to issue Cyclone Engineers Certificates (PDF, 225KB)

Cyclone safety tips

contents insurance cyclone cover
fiji contents insurance emergency preparations

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)

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