| Premium rating - Young couple |  |
|---|---|
| Premium rating - Family of two |  |
| Premium rating - Family of four | |
| Premium rating - Retired couple |  |
| Policy cover |  |
Policy
| Company/Policy name | National Bank Principal Protect |
|---|---|
| Credit rating | A+ (Strong) Standard and Poor's |
| Contact number | 0800 200 381 |
| Website | www.nationalbank.co.nz |
| Online quote available |  |
| Notes | National Bank insurance is underwritten by Vero. |
Excesses
| Standard excess - contents ($) | 150 |
|---|---|
| Standard excess - house ($) | 150 |
Contents cover (2 ticks = replacement, 1 tick = indemnity)
| Audiotapes, CDs, videotapes, DVDs, portable music players |  |
|---|---|
| Bicycles | Up to $3000 |
| Blinds/curtains | |
| Books | |
| Cameras | Up to $3000 |
| Camping equipment | |
| Carpets and floor coverings | |
| Cash | Up to $500 |
| Computers | Up to $5000 and less than 2 years old for laptops. |
| Computer software | |
| Credit card | Up to $500 |
| Dentures | |
| Frozen food | Up to $1000 |
| Furniture | |
| Hearing aids | |
| Home appliances | |
| Linen | |
| Jewellery | Up to $3000 per item and $10,000 total. |
| Keys and locks | Up to $1000 |
| Mobile phones | Up to $1000 |
| Professional equipment / work tools kept at home | Up to $2000 for business tools. Up to $10000 for home office or healthcare practice. |
| Spectacles | |
| Sports equipment | |
| Temporary accommodation | Up to $25,000 or 12 months |
| Tertiary student away from home in student hostel | Up to $5000 |
| Video games | |
| Watches | Up to $3000 per item up to $10,000. |
| Watercraft and / or outboard motors | Up to $3000 for any canoe, kayak, surfboard, surf ski or windsurfer, $1500 for any boat |
Contents exclusions
| Cleaning damage | Excluded |
|---|---|
| Sports equipment in use | Included |
House cover (2 ticks = replacement, 1 tick = indemnity)
| Retaining walls | |
|---|---|
| Hedges/shrubs | |
| Gradual deterioration | Up to $3000 |
Additional cover
| Personal liability | Up to $1 million |
|---|
Guide to the table
We've provided policy detail and premium summary information for each of our consumer profiles requiring both house and contents insurance. See Consumer profiles for more information.
For a comparison of contents-only policies, see Contents-only policies compared.
Policies
The house policies are based on open-ended replacement cover.
2 ticks = replacement cover; 1 tick = indemnity cover.
Note:
- AMP, NZI, Lumley and Vero were excluded as they are sold through brokers or other brands rather than directly to the public.
- FMG and Medical Assurance were excluded as they are only available to people in certain geographical locations or professions.
- HSBC and Ansvar declined to take part in our survey.
Click on the question mark symbols beside the headings for more information.
