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Contents insurance

Get the right cover for your things

Whether you’re a uni student with a few gadgets or a family with heaps of stuff, we make it easy to choose the right kind of contents insurance, easy to get a quote and easy to buy.

Contents - Comprehensive cover
Contents - Comprehensive cover

For a bells-and-whistles policy, get a quote or buy comprehensive contents insurance

Contents - Everyday
Contents - Everyday

For a smart and thrifty policy, get a quote or buy Everyday contents insurance


Compare contents insurance cover

Comprehensive cover
Everyday
Cover for accidental damage, theft, temporary accommodation and major events (such as an earthquake, storm, fire or flood).
Cover for theft, temporary accommodation and major events (such as an earthquake, storm, fire or flood).
Contents temporarily removed for up to 180 consecutive days
Cover if you temporarily remove your contents to a new temporary address or a bank deposit box.
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Up to 25% of contents Sum Insured

Contents in transit
If you are permanently moving to a new address in New Zealand, you have cover for your contents while they are being moved, for loss or damage caused by fire or flood, or by accident or theft of the vehicle carrying them.
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Food and medication spoilage
Cover for spoilage of refrigerated food, frozen food and refrigerated medicines.
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Up to $1,000

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Up to $500

Jewellery and watches
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$2,500 per item or set up to $10,000 total

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$1,000 per item or set up to $4,000 total

Paintings, pictures, art, antiques, sculptures, ornaments and art objects
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Up to $20,000 each item or set up to $80,000 total

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Up to $10,000 each item or set up to $50,000 total

Portable valuables
Portable valuables are contents that are normally carried with you away from the insured address such as jewellery, handbags, wallets, mobile phones, laptops, tablets, sporting equipment and photography equipment.
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Optional

Visitor's contents
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Up to $1,000

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Up to $500

Home office equipment
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Up to $15,000

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Up to $10,000

Financial transaction card cover
Cover for your losses (less any amount covered by your bank) if your credit or debit cards are stolen from the insured address and used fraudulently.
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Up to $2,500

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Up to $1,500

Identity theft cover
Cover for the reasonable costs you have to pay in trying to re-establish your personal credit history.
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Up to $1,500

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Up to $1,000

Costs to re-establish important documents
For example, replacing jewellery valuations, passports, wills, the land title on your home, driver licenses and marriage and birth certificates.
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Up to $1,000

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Up to $500

Fatal injury compensation
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Up to $5,000

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Up to $5,000


Comprehensive contents insurance


Comprehensive contents insurance to protect your valuables. Key benefits include replacement value, contents in transit and more.


Everyday contents insurance


Basic contents insurance cover for theft, temporary accommodation and major events.

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Save with our home and contents bundle deal

 

Looking to protect your most valuable asset and everything in it? You may be eligible for a bundle discount when insuring your home and contents together with AMP. Find out more about eligibility criteriacompare home and contents insurance and choose the right cover for you.

Quote or buy online now

Benefits of choosing AMP contents insurance


Excess options to shrink your premium

Did you know, you can reduce your premium by increasing your excess? Excess is the amount you pay for each event when you make a claim, we sort the rest.


The ability to set your own limits

You can increase the limits for your jewellery and watches, hand-woven rugs, and pictures and paintings to suit your needs.



Flexible payment options to suit you

You have the option to pay your premium fortnightly, monthly or yearly. Simply select the payment option that best suits you when you purchase your insurance online.

 

Manage your insurance policies online

 

When you purchase an online policy with AMP you can view, update, and keep track of your insurance 24/7 with My Insurance Manager. Login or register today.

 

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Contents insurance FAQs

Do you cover my contents in a flatting situation?

Yes. If you purchase a contents policy at the address where you are flatting, you will be covered. Only your belongings will be covered at the flat under your policy, your flat mates, boarders or other guests will need to take out their own contents policy to cover their stuff.

Are my contents covered while studying?

Your stuff may already be covered if you still live at home and your parents or guardians already have household contents insurance. If you are in your first year of your studies and are staying in a hall of residence, then your parents or guardians contents insurance may already cover you, up to the limit of $5,000. Should you stay in a hall of residence for more than one year, and your parents or guardians can prove this is only temporary, we will continue to insure you. Check with your parents or guardians first to see if their insurance already covers your stuff before purchasing a new contents insurance policy.

Find out more about student insurance.

Does my contents insurance cover my mobile phone?

Yes. Electronic items are included in your contents cover under general items.

Does my contents insurance cover moving?

If you are permanently moving to a new address in New Zealand, we will cover your contents up to the limit of $10,000 while they are being moved, for loss or damage caused by;
• fire
• flood
• collision, overturning, accident or theft of the vehicle carrying them

This benefit is paid within the general contents sum insured.

Does my contents insurance cover water damage?

You'll be covered for gradual damage to your home and/or contents resulting from water leaking or overflowing from any internal water system, provided that the damage first occurs during the period of insurance and the water leak or overflow causing the damage was not visible, noticeable, or obvious to you.

If you suffer water damage that is caused by storm, flood or simply by someone accidentally leaving a tap on is the bath, then we provide cover for these events too. Refer to your policy document for further information about this cover.

Need a little help?



Need to know how to make an insurance claim? See all your insurance claim options in our handy guide.



Unsure about your insurance needs?
Call us now on 0800 267 263 to speak to one of our insurance experts or book in a call at a time that suits you.



Have an existing insurance adviser or broker? Find them here.


Important information

AMP Home, Contents, Car and Landlord insurance are issued and underwritten by Vero Insurance New Zealand Limited. The above is only a summary of some of the cover provided and is for information purposes only. It is important to note that limits, excesses, terms and conditions and exclusions apply to the cover outlined. Please refer to the policy document for details of the cover. The provision of cover is subject to the underwriting criteria that apply at the time.