Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Optional Extra
Storm
Yes
Building cover
n/a
Contents cover

Mozo editorial review Allianz Contents Insurance - last updated: 24 February 2021

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What's hot
  • Up to 10% online discount
  • Up to 30% no claims bonus discount
  • New for old replacement
What's not
  • 11% service fee applies for paying monthly
Mozo snapshot

Allianz Contents Insurance offers extensive cover for damage caused by fire, theft, storm and more. You’ll also be able to take advantage of some sweet discounts, including a 10% discount for taking out a new policy online and a no claims bonus that increases by 10% with every claim-free year, up to a total of 30%.

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Key features

If you’re after a policy that combines wide-ranging cover with plenty of value, Allianz Contents Insurance is well worth a look. Lost cash is covered up to $2,000, as are any lost credit cards. As for jewellery, antiques and handwoven carpets, you’ll be covered for up to $2,500 per item, with a $7,500 total limit per item category.

Under the standard policy, your belongings will be covered in the event of a fire, theft, storm or act of vandalism. Plus, you can expect Allianz to replace any lost or damaged items with brand new ones of comparable value, no matter how old the original items were. If, however, you’re after flood, portable contents or accidental damage cover, you’ll need to take them out as optional extras.

There are also a number of discounts on the table which are sure to sweeten the deal. These include a 10% discount when purchasing a new policy online. You’ll also receive a 10% no claims bonus on your renewal premium after every claim-free year. This is capped at 30%, and will decrease by 10% with each claim you make. If you haven’t made any home or contents insurance claims in the last five years, you’ll immediately qualify for the maximum discount.

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Who is it good for

Allianz Contents Insurance would suit someone like a renter who only requires comprehensive insurance for their belongings (not the building they live in) especially if they can make use of the handy discounts on offer. 

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Any catches

There are a few conditions you’ll have to be mindful of when taking out cover, so we encourage you to read carefully over the PDS. For example, in the event of a fire or explosion, there is a 72 hour exclusion period, in which any damage caused within the first 72 hours of taking out the policy or increasing the cover won’t be covered. And in the case of storms, cover doesn’t extend to damage caused by storm surges.

Details

Rates and fees information correct as at 17 October 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Contents

Up to $2,000

Up to $2,000

Up to $2,000

Yes

Up to $2,500 per item, up to $7,500 in total

Yes

Up to $2,500 per item, up to $7,500 in total

Up to $2,500 per item, up to $7,500 in total

Up to $2,500 per item, up to $7,500 in total

No

Up to $2,500 per item, up to $7,500 in total

No

Yes

Up to $1,500 per item, up to $10,000 in total

Up to $1,500

Up to $1,500 per item, up to $10,000 in total

Other cover

No

Up to $500

Up to $1,000

Up to 12 months, up to 10% of sum insured combined with debris removal cost

Up to 12 months, up to $500

Up to 12 months

Up to 10% of sum insured

No

No

Up to 14 days

No

Policy and service features

60

No

Yes

$400

true

no

Up to 10% online discount

Yes

Optional Extra - Up to 120 days

Up to $2,000

Up to $20,000,000

none

none

Events

Optional Extra

Yes

Yes

Yes

Yes

Optional Extra

Yes

Optional Extra, up to 10 years old

No

Yes

Yes

No

Yes

Yes

Yes

Yes

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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