Key benefits

  • Fire, lightning, explosion or water leakage from water of cooling systems cover

    This covers you if your home is damaged or suffers loss from fire, lightning, an explosion or damage through water leaking from any water or heating system.

  • Malicious damage cover

    This covers you if your home is damaged or suffers loss as a result of malicious acts.

  • Impact damage by vehicles, aircraft or animals

    This covers you in the event that your house is damaged by aircraft, airborne devices, or articles dropped from them. In addition, you are covered if your house is damaged by vehicles, hoofed animals, or falling trees or branches.

  • No claims bonus

    If you’ve been claims free with us for 12 months you will receive a No Claims Bonus. If after a further one year you have been claims free you will qualify for an Extra No Claims Bonus.

This is a summary only. For a full outline of the policy terms, conditions and exclusions please read the policy wording (below) and the certificate of insurance.
Download policy (PDF, 71KB)
Other motor policies:

Optional benefits

  • Earthquake cover

    Cover for your house if it’s damaged by earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.

  • Gale, windstorm, hurricane, cyclone cover

    Provides cover for loss and damage due to gale, windstorm, hurricane or cyclone (special conditions apply).

Your choice of cover


Regardless of the policy you’ve selected, you also have the choice of insuring your house for either:

Replacement value where we cover the cost of rebuilding, replacing or repairing your house to a new condition – up to a maximum of the sum insured

Indemnity value which is more limited and means we cover the cost of rebuilding or repairing your house to a condition no better than new, less an appropriate allowance for depreciation and deferred maintenance – up to a maximum of the sum insured.