Trade Me Insurance's Overall Customer Review:
Imagine flipping your house upside down. Contents insurance protects almost everything that would fall out - from your big TV to that wedding ring grandma gave you.
The things you own aren’t just ‘things’. They’re important to you, and losing them would stink. With contents insurance, you can protect anything you own, right across New Zealand. We’ll provide cover for anywhere from $10,000 to $200,000 worth of possessions.
You can claim for one specific item, like a broken camera. Or, if your house is burgled, you can claim for all the stuff that was stolen. Limits apply, but we’ll aim to pay for, or replace, them all. Protect the stuff that matters with contents insurance.
You’re covered for unexpected events such as:
Accidents happen. If your insured contents are damaged suddenly and unexpectedly, we’ll help repair or replace them.
Been burgled? We’ll get you on your feet again by helping you replace the things that were stolen.
Would you lose your head if it wasn't screwed on? Luckily, we can cover your contents for accidental loss.
As an add-on, we can also insure the tools you use to make a living (at an additional cost). Limits apply.
Just letting you know...
There are some things your insurance policy won’t cover. For example, we can’t cover you for general wear and tear or mechanical failure. This means we won’t be replacing that 7 year old laptop that’s finally bitten the dust.
You won’t be automatically covered for contents being kept in storage - but you can choose to add this coverage to your policy if you need it. Check out the policy doc for more details.
Here's a summary of all the features that are included in our contents insurance policy, or are available as optional extras. Check out the full policy document at the bottom of this page for all the details.
We will cover you for the sudden and accidental physical loss or sudden and accidental physical damage to your contents. Cover is up to the sum insured or other amounts specified in the certificate of insurance and policy wording.
This means you’re covered for claims made against you for accidental physical damage to other people’s property.
Forget trying to eat 3kg of ice cream in an hour (unless you really want to). We'll cover you up to the value of $500 for any food you lose due to refrigeration equipment accidently stopping.
We’ll cover your stuff for up to $2,500 for gradual damage caused by hidden pipes or water tanks leaking, so long as the damage first occurred after your policy started.
We'll pay up to $1,000 (excess free) to make your home safe again if you have reason to believe that the security of your contents is compromised - through a stolen key, for example.
Change of address? Here's one less thing to worry about. We'll cover your contents at both addresses for up to 14 days while you move from one property to another.
We’ll cover you for natural disaster damage, above the level already provided by the EQC.
Made no contents insurance claims in the last year? Congrats, you get a no claims bonus!
If a single event happens and you need to claim under more than one Trade Me Insurance policy, you'll only have to pay the highest of your individual excesses.
If your house is damaged, we'll help you store your things until it has been fixed up. Not only will we pay for the storage costs, but we'll help ship them to the storage facility as well.
We'll pay up to $25,000 towards your temporary accommodation expenses if your contents are damaged in an event that results in your house being uninhabitable. We'll even include kennel or cattery fees! By the way, we’ll only pay this once if you have cover for this under another policy.
Going on an extended holiday? Living or working away from home? We'll continue to cover your stuff for a period up to 42 days so long as your stuff stays in NZ.
We’ll extend your cover to include any contents you are keeping in a secure storage facility (run by a commercial storage company).
We’ll provide cover for your business tools (that's any equipment you make a financial return on), up to your specified sum insured.
Any claims paid for spectacles or contact lenses will be excess-free.
Any claims paid for personal aids will be excess-free. Personal aids can include things like dentures, hearing aids and prosthetics.
Insurance feels simple until it's time to claim. We've made it our mission to change that.
With Trade Me Insurance, you can lodge, review and manage claims online - all from the comfort of the My Insurance hub. Just log in, tell us what happened, and we'll take it from there.
Now to the nuts and bolts: how much is contents insurance actually going to cost? Let’s break it down.
Have a play around and see how changing your excess will affect your premium.
No problem-o. You can still insure an item that is financed or has money owing on it. It’s important that you tell us who the money is owed to, however, so we can make sure everything is fair come claim time.
First port of call should be your local police. They’ll assess the situation and might come out to your house to see you. They’ll also give you a reference number. Keep this handy when you sign in to your Trade Me Insurance account, as you’ll need it when making a claim.
Can’t get enough of insurance? Check out our other offerings.