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Australia Post Contents Insurance

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

Mozo editorial review Australia Post Contents Insurance - last updated: 24 March 2021

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What's hot
  • Electrical motor burnout cover
  • Insurance when moving house
  • Flood cover included as standard
What's not
  • No underinsurance protection
Mozo snapshot

The contents insurance policy from Australia Post offers broad coverage in a wide range of circumstances – including flood cover as standard – for your belongings. There are generous specified cover limits for certain items, and other useful optional extras such as portable contents cover and accident insurance. 

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Key features

If you’re looking for an insurance policy to protect your belongings in case of disasters or accidents, you’ve come to the right place. 

Australia Post’s contents insurance provides cover in a wide range of events including fire, theft, water damage and weather events, with flood cover included as standard. Unlike some contents insurance policies, this also includes storm surges and tsunamis as standard.

Some items come with coverage limits, but some of these can be increased optionally for a premium bump. When you take out a standard policy, jewellery is insured for up to $2,500 per item or set, artworks, rugs and antiques have a $20,000 limit for each piece or set, and cash is covered for up to $800. Make sure you read the relevant product disclosure statement (PDS) to know all of the coverage limits.

While accidental glass breakage is also included, you’ll need to pay extra for further accident cover as an optional extra and covers accidental breakages or loss of other belongings. And although your belongings are covered at both addresses when you’re moving house, you’ll need to include portable contents cover as an optional extra if you want items insured when they’re not at your address.

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Who is it good for

This broad coverage contents insurance policy could be perfect for renters wanting to make sure their belongings are taken care of in an accident or emergency.

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Any catches

There isn’t any underinsurance included in this policy, which means if you’ve listed your belongings at a lower value than what they’re worth, you’ll need to cover the difference when replacing them. So, it’s important to have your items valued properly. 

Details

Rates and fees information correct as at 19 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 $800

No

Up to $1,000

Up to $1,000

No

No

Yes

Up to $20,000 per item, set or pair

Up to $2,500 per item, set or pair

Up to $800

Up to $800

No

Optional Extra

Up to $5,000

No

Yes

Other cover

No

No

Up to $2,500

No

No

Yes

No

No

Yes

Up to 60 days

Yes

Policy and service features

90

No

Yes

$100

true

no

10% online discount

Yes

Yes

Optional Extra

Up to $30,000,000

none

none

Events

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

Yes, up to 10 years old

Yes

Yes

Yes

Optional Extra

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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