Contents insurance

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

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

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

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

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.

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

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

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.

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

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