The details shown below are for the Essential Contents Insurance
The details shown below are for the Top Contents Insurance
Choose the version of this product that suits you best
| Name | |
|---|---|
| | Essential Contents Insurance |
| | Top Contents Insurance |
Essential Contents Insurance
Top Contents Insurance
With Real Contents Insurance, there’s very little that’s been left off the table. Cover extends to fires, floods, theft, vandalism and more. You can choose between two tiers which provide different levels of cover: the 'Essential' or 'Top'. What’s more, you’ll be able to make use of a number of discounts, such as when you apply online or combine your policy with a Real Home Insurance policy.
When you take out a contents insurance policy with Real Insurance, you’ll be covered for a wide range of natural disasters - including fires, lightning, storms, floods and earthquakes - as well as other events such as theft, vandalism and explosions across both the Essential and Top policy tiers.
You can rest assured knowing the majority of your valuables will be covered. In the case of jewellery, you’ll be covered for up to $1,000 per item (up to $2,500 in total) if it goes missing or is damaged (up to $5,000 if you select Top Contents Insurance). The same goes for handwoven carpets and antiques.
Home office contents will also be covered up to $5,000 (up to $10,000 under Top Contents Insurance) and tools of trade up to $1,000 (up to $2,000 under Top Contents Insurance). And when it comes to replacing your belongings, Real promises to get you brand new ones, regardless of the original items’ age. However, cash is only covered up to $250 ($500 for Top cover) and the policy doesn’t extend to lost or damaged credit cards or tickets of any kind.
You’ll be able to take advantage of a 10% discount when you apply online, plus an additional 10% discount when you combine your policy with a Real Home Insurance policy. And if you ever have a question or require assistance, you can make use of the 24/7 support.
With its extensive cover, Real Contents Insurance would be a great choice for those looking to safeguard their belongings in the majority of circumstances.
As with all insurance policies, you’ll have to read the PDS for a full idea of what’s covered. Sometimes conditions or exclusions apply in specific circumstances. For example, in the case of fires and explosions, you won’t be covered if the damage was caused by the ignition of any flammable substances which you had kept in excessive quantities. And in the case of storm damage, you won’t be covered if the damage was caused by water entering your home as a result of any alterations or renovations you have made.
| Up to $250 | |
| No | |
| Up to $1,000 per item, up to $2,500 in total | |
| Yes, hardware. Software, up to $1,000 per item/collection, up to $2,500 total. | |
| Yes | |
| Yes | |
| Up to $1,000 per item, up to $2,500 in total | |
| Up to $1,000 per item, up to $2,500 in total | |
| Up to $1,000 per item, up to $2,500 in total | |
| No | |
| Up to $500 | |
| No | |
| Yes | |
| Up to $1,000 | |
| No | |
| Up to $5,000 |
| Up to $5,000 for funeral | |
| No | |
| Up to $500 | |
| No | |
| No | |
| Yes | |
| Up to $10,000 | |
| No | |
| No | |
| Up to 14 days | |
| No |
| 60 | |
| No | |
| Yes | |
| $200 | |
| true | |
| no | |
| Up to 20% online discount | |
| Yes | |
| Optional Extra, up to $1,000 per item | |
| Up to $1,000 per item. Up to $4,000 in total | |
| Up to $20,000,000 | |
| none | |
| none |
| No | |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Optional Extra, up to 10 years old, up to $1,000 | |
| 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.
| Up to $500 | |
| No | |
| Up to $1,000 per item, up to $5,000 in total | |
| Yes, hardware. Software, up to $1,000 per item/collection up to $5,000 total. | |
| Yes | |
| Yes | |
| Up to $1,000 per item, up to $5,000 in total | |
| Up to $1,000 per item, up to $5,000 in total | |
| Up to $1,000 per item, up to $5,000 in total | |
| No | |
| Up to $1,000 | |
| No | |
| Yes | |
| Up to $2,000 | |
| No | |
| Up to $10,000 |
| Up to $10,000 for funeral | |
| No | |
| Up to $1,000 | |
| No | |
| No | |
| Yes | |
| Up to $15,000 | |
| No | |
| No | |
| Up to 14 days | |
| Up to 20% of sum insured |
| 60 | |
| No | |
| Yes | |
| $200 | |
| true | |
| no | |
| Up to 20% online discount | |
| Yes | |
| Optional Extra, up to $1,000 per item | |
| Up to $2,000 per item. Up to $8,000 in total | |
| Up to $20,000,000 | |
| none | |
| none |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Optional Extra, up to 10 years old, up to $2,000 | |
| 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.
Very good coverage. Excellent service provided over the phone. Was in mid COVID period and I did experience extended waiting times.
Read full reviewVery good coverage. Excellent service provided over the phone. Was in mid COVID period and I did experience extended waiting times.
Pros: easy to update the policy each year. Coverage of musical instruments is reasonably priced. Great communication. Policy decreases in cost each year. Cons: could be cheaper overall.
Read full reviewPros: easy to update the policy each year. Coverage of musical instruments is reasonably priced. Great communication. Policy decreases in cost each year. Cons: could be cheaper overall.
Very reliable. I love the cash back deal with Real Insurance on some of their policies.
Read full reviewVery reliable. I love the cash back deal with Real Insurance on some of their policies.
Their premiums seem to be great value.
Read full reviewTheir premiums seem to be great value.
Awesome insurance company is real insurance great to deal with and great customer service
Read full reviewAwesome insurance company is real insurance great to deal with and great customer service