Compare our contents insurance

 

This table is a summary only and you should refer to your policy wordings for full details, in particular, the base version used in this example may not be the same version as your previous policy.

Unless stated otherwise, the sums in the table are the limits of cover per event.

Our contents insurance policies include

Compared to previous standard Contents product

(note that individual products may vary and that this is a representation)

Plus

Standard

Accidental loss or damage 
We'll pay for the loss or damage to your contents.
Accidental loss or damage
We'll pay for the loss or damage to your contents.
Similar
Accidental loss or damage
We'll pay for the loss or damage to your contents.
Accidental loss or damage
We'll pay for the loss or damage to your contents.
At your house
Accidental damage anywhere in Fiji 
We'll pay for the accidental damage to your contents anywhere in Fiji.
Accidental damage anywhere in Fiji
We'll pay for the accidental damage to your contents anywhere in Fiji.
Improved
Accidental damage anywhere in Fiji
We'll pay for the accidental damage to your contents anywhere in Fiji.
Accidental damage anywhere in Fiji
We'll pay for the accidental damage to your contents anywhere in Fiji.
Up to $1,000
Single item limit 
This policy has a maximum amount we will pay for any individual items. Some items have different limits - please check your policy document.
Single item limit
This policy has a maximum amount we will pay for any individual items. Some items have different limits - please check your policy document.
Improved
Single item limit
This policy has a maximum amount we will pay for any individual items. Some items have different limits - please check your policy document.
Up to $5,000
Single item limit
This policy has a maximum amount we will pay for any individual items. Some items have different limits - please check your policy document.
Up to $1,000
No claims bonus 
If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.
No claims bonus
If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.
Similar
No claims bonus
If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.
No claims bonus
If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.
Keys and locks 
We’ll organise the replacement of your keys or locks if they’re stolen, lost, or illegally duplicated, and you won’t need to pay an excess.
Keys and locks
We’ll organise the replacement of your keys or locks if they’re stolen, lost, or illegally duplicated, and you won’t need to pay an excess.
Similar
Keys and locks
We’ll organise the replacement of your keys or locks if they’re stolen, lost, or illegally duplicated, and you won’t need to pay an excess.
Up to $500
Keys and locks
We’ll organise the replacement of your keys or locks if they’re stolen, lost, or illegally duplicated, and you won’t need to pay an excess.
Up to $250
Gradual damage 
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.
Gradual damage
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.
Similar
Gradual damage
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.
Up to $1,000
Gradual damage
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.
Temporary accommodation 
We'll cover temporary accommodation expenses if your house is damaged and uninhabitable as a result.
Temporary accommodation
We'll cover temporary accommodation expenses if your house is damaged and uninhabitable as a result.
Similar
Temporary accommodation
We'll cover temporary accommodation expenses if your house is damaged and uninhabitable as a result.
Up to $10,000
Temporary accommodation
We'll cover temporary accommodation expenses if your house is damaged and uninhabitable as a result.
Up to $5,000
Liability protection 
If there’s an accident which causes damage to someone else’s property, we’ll cover you for your legal liability.
Liability protection
If there’s an accident which causes damage to someone else’s property, we’ll cover you for your legal liability.
Improved
Liability protection
If there’s an accident which causes damage to someone else’s property, we’ll cover you for your legal liability.
Up to $500,000
Liability protection
If there’s an accident which causes damage to someone else’s property, we’ll cover you for your legal liability.
Up to $500,000
Optional benefits 
Optional benefits
Optional benefits
Optional benefits
Earthquake 
We'll cover the loss or damage to your contents caused by an earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.
Earthquake
We'll cover the loss or damage to your contents caused by an earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.
Similar
Earthquake
We'll cover the loss or damage to your contents caused by an earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.
Earthquake
We'll cover the loss or damage to your contents caused by an earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.
Gale, windstorm, hurricane or cyclone 
We’ll cover the loss or damage to your contents caused by a gale, windstorm, hurricane or cyclone.
Gale, windstorm, hurricane or cyclone
We’ll cover the loss or damage to your contents caused by a gale, windstorm, hurricane or cyclone.
Similar
Gale, windstorm, hurricane or cyclone
We’ll cover the loss or damage to your contents caused by a gale, windstorm, hurricane or cyclone.
Gale, windstorm, hurricane or cyclone
We’ll cover the loss or damage to your contents caused by a gale, windstorm, hurricane or cyclone.

Frequently asked questions

Why are you making these changes?

Our customers deserve to have up-to-date insurance cover that’s easy to understand. Our latest Tower policies are written in plain language so you can easily understand what you’re covered for if you need to make a claim. Simplifying complicated insurance terms with plain language is just the start of how we’re transforming insurance across the Pacific.

Can I choose to stay on my current policy?

No, this policy will no longer be available as we’re phasing out old policies and moving customers to our latest cover. The new product you’re moving to is our closest match to your current policy. However, we also have other options that may suit you better. Compare our latest policies in the table above.

What are some of the benefits of these new policies?

You can see and compare the benefits of each of new policies in the table above.

Our Contents Plus insurance policy provides cover for accidental damage to your items anywhere in Fiji, up to replacement value, as well as other great benefits.

Our Contents Standard insurance policy provides cover for accidental damage to items in your home, up to replacement value, but lower limits on other benefits compared to Contents Plus and is a lower-cost option.

Will my premium change?

Premiums can change every year, depending on a number of different factors. Your premium will be listed in your renewal email and if you have any questions about it, you can find ways to contact us here.

Will my excess change?

The excess is the amount you need to pay toward any loss when you make a claim and it’s approved.

When you move to your new policy, your excess may change and it’s important to check it and make sure it’s right for you.

The amount of excess you choose for your policy will affect the premium you pay - the higher your excess, the cheaper your premium. As well as considering the premium, it’s also important to think about whether you will be able to afford to pay the excess if you happen to have a claim.

Why has my policy number changed?

As you move to our latest Tower cover when your policy renews, you’ll also have a new unique policy number for each of your policies. Remember to use this policy number as your reference when you contact us or make a payment for this policy. You’ll find your policy number on the top right-hand corner of your new insurance documents.

Are my other Tower policies changing?

We’re phasing out older house, contents and car policies and moving customers to our latest policies ensuring they have the most up-to-date cover. If you have other Tower policies, we’ll let you know of any changes to each of your policies in a ‘heads up’ email, or in your renewal email.

What do I need to do now?

Please check through your policy documents when they arrive to ensure the information is correct and make sure you are comfortable with all the details.

If you have any questions, please don’t hesitate to contact us, otherwise, you can make your payment for your policy.

What happens when I get my renewal email?

Please make sure you read it carefully and check your details and your excess, as it may have changed.

How can I get more information?

We’re more than happy to answer any questions you may have. Please find ways to contact us here.