Home Insurance

Calculating your Home or Contents sum insured...

Avoiding the risk of under-insurance is essential for every home owner. For your insurance to be effective, it needs to be both adequate and up to date.

Use our online calculators as a quick and easy way to help you estimate the cost of replacing your home and the contents inside it.

On-line calculators

We need to find out some information before we can quote.

You have two options:

  • Call 1300 881 779 during business hours for a quote over the phone, or

  • Complete this form and we will email you a quote

 

NOTE: We cannot quote on the following risks :

  • Buildings being let or rented on a commercial basis eg. hotels/hostel/motels, boarding house
  • Buildings that are poorly constructed, badly maintained or subject to a demolition order
  • Buildings that are National Trust classified or heritage listed
  • Building that are shared by more than 3 unrelated persons
  • Buildings that are used for any business, trade or profession purposes, other than a home office
  • Unoccupied properties

Is this proposal for any of the above uninsurable risks?
Yes    No

If you have spoken to a broker in our office, note their name here so that this quote can be processed by them as they will know something about you already.

Brokers Name:

Insured Name

Date of Birth (oldest)

Postal Address

Address of property *

Email Address

Phone No. *

Details of the home

Home Details:

Construction of Walls

Occupied as

Does your property exceed 2 hectares?
Yes    No

Year built (approx)

Approx. size of home

Details of Security

Doors

Windows

Alarms

Sum Insured

Buildings (include driveway, pools, sheds etc))

Contents (include carpets, drapes etc.)

Valuables (for items insured Australia wide

General information

Is the property - currently unoccupied or expected to be unoccupied for more than 90 continuous days during the period of cover?
Yes    No

Have you or any of the persons to be insured made a claim on any insurer for loss or damage?
Yes    No

Have you or anyone permanently residing with you, been convicted of arson, theft, fraud or violence against any person or property in the last 10 years?
Yes     No

Had insurance declined, renewal refused, terminated or special conditions imposed by any insurer?
Yes    No

Have you been declared bankrupt and not been discharged for at least 1 year?
Yes     No    


Type the above number:



Declaration

By submitting this Declaration, the Applicant acknowledges:
- they are authorised by all the Applicants to make this Declaration,
- the contents of this form are true and complete,
- they are under a continuing obligation to immediately inform the insurer of any change in the particulars or statements contained in this form up until the contract is entered into,

Name of person making this declaration:


 

 

DUTY TO NOT MAKE A MISREPRESENTATION

Before you enter into a contract of insurance (policy), you have a duty to take reasonable care not to make a misrepresentation. You have a similar duty when you ask us to vary or extend the insurance and when we offer you the opportunity to renew your insurance. What that means is that you need to take reasonable care to provide honest, accurate and complete answers to any questions that we ask.

New Business - Before you do any of these things, you may be required to answer questions and the insurer will use the answers you provide in deciding whether to insure you, and anyone else to be insured under the policy, and on what terms. To ensure you meet your duty, your answers to the questions must be honest, accurate and complete.

Renewals / Endorsements - This notice includes information you have previously told us that is relevant to your policy, which we passed on to the insurer. The insurer requires you to contact us to tell us if this information is incorrect, or if it has changed. If you do not tell us about a change to something you have previously told us, the insurer will take this to mean that there is no change.

To ensure you meet your duty, when you contact us to advise of any information that is incorrect or has changed, the updated information you give us must be truthful, accurate and complete.

If you fail to meet your duty, the insurer may be able to cancel your contract, or reduce the amount it will pay if you make a claim, or both.

If your failure is fraudulent, the insurer may be able to refuse to pay a claim and treat the contract as if it never existed.