| Premium rating - Young couple | |
|---|---|
| Premium rating - Family of two | |
| Premium rating - Family of four |  |
| Premium rating - Retired couple | |
| Policy cover |  |
Policy
| Company/Policy name | SIS Insurance Home and Contents |
|---|---|
| Credit rating | A+ (Strong) Standard and Poor's |
| Contact number | 0800 801 201 |
| Website | Not available |
| Online quote available |  |
| Notes | SIS specialises in insurance for people aged 50 and over. It is run by AA Insurance, a joint venture between Vero and the New Zealand Automobile Association |
Excesses
| Standard excess - contents ($) | 200 |
|---|---|
| Standard excess - house ($) | 200 |
Contents cover (2 ticks = replacement, 1 tick = indemnity)
| Audiotapes, CDs, videotapes, DVDs, portable music players |  Up to $5000 per item or collection unless higher amount agreed |
|---|---|
| Bicycles | Up to $5000 per item or collection unless higher amount agreed |
| Blinds/curtains | |
| Books | Up to $5000 per item or collection unless higher amount agreed |
| Cameras | Up to $5000 per item or collection unless higher amount agreed |
| Camping equipment | Up to $5000 per item or collection unless higher amount agreed |
| Carpets and floor coverings | |
| Cash | Up to $500 |
| Computers | Up to $5000 per item or collection unless higher amount agreed |
| Computer software | Up to $5000 per item or collection unless higher amount agreed |
| Credit card | Up to $1000 |
| Dentures | Up to $5000 per item or collection unless higher amount agreed |
| Frozen food | Up to $1000 |
| Furniture | |
| Hearing aids | Up to $5000 per item or collection unless higher amount agreed |
| Home appliances | Up to $5000 per item or collection unless higher amount agreed |
| Linen | Up to $5000 per item or collection unless higher amount agreed |
| Jewellery | Up to $5000 per item or $20,000 per event |
| Keys and locks | Up to $1000 |
| Mobile phones | Up to $5000 per item or collection unless higher amount agreed |
| Professional equipment / work tools kept at home | Up to $1000 |
| Spectacles | |
| Sports equipment | |
| Temporary accommodation | Up to 12 months if owner occupied |
| Tertiary student away from home in student hostel | Up to $5000 |
| Video games | Up to $5000 per item or collection unless higher amount agreed |
| Watches | Up to $5000 per item or $20000 per event |
| Watercraft and / or outboard motors | Up to $500 |
Contents exclusions
| Cleaning damage | Excluded |
|---|---|
| Sports equipment in use | Included |
House cover (2 ticks = replacement, 1 tick = indemnity)
| Retaining walls | Up to $10,000 |
|---|---|
| Hedges/shrubs | Up to $2000 per event |
| 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.
