The details shown below are for the Essential Care Residential
The details shown below are for the Quality Care Residential
The details shown below are for the Premier Care Residential
Choose the version of this product that suits you best
| Name | |
|---|---|
| | Essential Care Residential |
| | Quality Care Residential |
| | Premier Care Residential |
Essential Care Residential
Quality Care Residential
Premier Care Residential
Designed to help you get back on track should your personal belongings be lost or damaged, St George’s contents insurance offers three different levels of cover. These are Essential Care, Quality Care and Premier Care. All levels of cover offer insurance for flood and storm damage, up to $20 million of legal liability, an automatic safety net for underinsurance and new for old replacement.
With St George’s contents insurance you can choose from three different levels of cover. The most basic level is Essential Care, then Quality Care which offers a little bit more and finally Premier, which is the highest level of contents insurance St George offers.
Each type of cover comes with an automatic safety net. This is in case repair or replacement costs are higher than anticipated - it’s basically like underinsurance. For Essential Care the safety net is 5% of the sum insured, for Quality Care it is 10% and for Premier Care it is 20%.
All three offer cover for emergency accommodation. For both Quality and Premier Care cover this is either 10% of your sum insured or the cost of accommodation for up to 12 months, whichever costs less. If you opt for Essential Care, emergency accommodation cover is capped at $5,000.
Up to $20 million worth of legal liability cover comes with all three, Essential, Quality and Premier. For items that cannot be repaired, all covers include new for old replacement, regardless of how old the item is. All also come with cover for flood, storm and earthquake damage and theft cover. However, Essential care will not cover you for accidental breakage of glass or accidental loss or damage.
Remember: there are different coverage limits for certain items under each level of this policy, so be sure to scan your PDS carefully and know the relevant price caps.
St George’s contents insurance would be suited to anyone who wants the flexibility to choose a level of cover that they can both afford and is sufficient for their own individual circumstances. Standalone contents insurance is also a good idea if you’re a renter, you don't currently have your own home to insure or your home is covered by a strata plan.
It should also be noted that if you opt for a more basic level of insurance, such as Essential, there may be some things you won’t be covered for. For instance, the Essential and Quality plans will not cover you for accidental loss or damage.
No
No
Up to $1,000
Computer software: No. Computer hardware: Yes.
Yes
Yes
Yes
Up to $3,000
Up to $500 per item, up to $3,000 in total
No
No
No
Yes
No
No
No
No
No
No
Up to $5,000
No
No
Up to 10% of sum insured
No
No
Up to 14 days
No
60
Yes - Up to 5% of sum insured
Yes
$100
true
yes
15% online discount, no claim bonus
Yes
No
No
Up to $20,000,000
none
Terms, conditions and limits apply. Read the relevant Product Disclosure Statement to see if this insurance is right for you.
No
No
Yes
Yes
Yes
Yes
Yes
No
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).
Up to $750
Up to $1,000
Yes
Computer software: No. Computer hardware: Yes.
Yes
Yes
Yes
Up to $10,000
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
No
Up to 12 months, up to 10% of sum insured
Up to $5,000
Up to 12 months, up to 10% of sum insured
Up to 10% of sum insured
No
No
Up to 14 days
No
60
Yes - Up to 10% of sum insured
Yes
$100
true
yes
15% online discount, no claim bonus
Yes
No
Up to $2,000 in the open air at the site
Up to $20,000,000
none
Terms, conditions and limits apply. Read the relevant Product Disclosure Statement to see if this insurance is right for you.
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Up to 15 years old
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).
Up to $1,250
Up to $5,000
Yes
Computer software: Up to $3,000. Computer hardware: Yes.
Yes
Yes
Yes
Up to $20,000
Up to $5,000 per item, up to $20,000 in total
No
Up to $2,000
No
Yes
Up to $3,000
No
Up to $15,000
Up to $15,000 for funeral
Up to $500
No
Up to 12 months, up to 10% of sum insured
Up to $5,000
Up to 12 months, up to 10% of sum insured
Up to 10% of sum insured
No
No
Up to 14 days
Up to 20% of sum insured
60
Yes - Up to 20% of sum insured
Yes
$100
true
yes
15% online discount, no claim bonus
Yes
Yes
Yes
Up to $20,000,000
none
Terms, conditions and limits apply. Read the relevant Product Disclosure Statement to see if this insurance is right for you.
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Up to 15 years old
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).
