| Premium rating - Young couple |  |
|---|---|
| Premium rating - Family of two | |
| Premium rating - Family of four | |
| Premium rating - Retired couple |  |
| Policy cover | |
Policy
| Company/Policy name | Westpac Home and Contents Cover |
|---|---|
| Credit rating | A- (Strong) Standard and Poor's |
| Contact number | 0800 400 600 |
| Website | www.westpac.co.nz |
| Online quote available |  |
| Notes | Westpac Insurance is underwritten by Lumley |
Excesses
| Standard excess - contents ($) | 250 |
|---|---|
| Standard excess - house ($) | 250 |
Contents cover (2 ticks = replacement, 1 tick = indemnity)
| Audiotapes, CDs, videotapes, DVDs, portable music players |  |
|---|---|
| Bicycles | Up to $2500 unless specified |
| Blinds/curtains | |
| Books | |
| Cameras | Up to $2500 unless specified |
| Camping equipment | Up to $2500 unless specified |
| Carpets and floor coverings | |
| Cash | Up to $500 |
| Computers | Up to $2500 unless specified |
| Computer software | |
| Credit card | Up to $500 |
| Dentures | |
| Frozen food | |
| Furniture | |
| Hearing aids | |
| Home appliances | |
| Linen | |
| Jewellery | Up to $2500 if under 5 years old, unless specified |
| Keys and locks | Up to $1000 |
| Mobile phones | Up to $2500 unless specified |
| Professional equipment / work tools kept at home | Up to $10,000 |
| Spectacles | |
| Sports equipment | Up to $2500 unless specified |
| Temporary accommodation | Up to $20,000 or 12 months |
| Tertiary student away from home in student hostel | |
| Video games | |
| Watches | Up to $2500 unless specified |
| Watercraft and / or outboard motors | Up to $2500 |
Contents exclusions
| Cleaning damage | Excluded |
|---|---|
| Sports equipment in use | Included, indemnity cover up to $2500 |
House cover (2 ticks = replacement, 1 tick = indemnity)
| Retaining walls | |
|---|---|
| Hedges/shrubs | |
| Gradual deterioration | Up to $2500 |
Additional cover
| Personal liability | Up to $2 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.
