Westpac - Contents Insurance

Westpac Contents Insurance Review

Rates and fees information correct as at 22 July 2018.

Review published: 20 September 2017

What's hot:

  • 2017 Experts Choice winner

  • Underinsurance protection

  • New for old cover

  • 10% online discount

What's not:

  • No cover for demolition costs or temporary repairs

Mozo snapshot:

An Experts Choice winner for Exceptional Quality Contents Insurance, Westpac Premier Care Residential is a policy that has your contents covered. Along with having new for old replacement for your belongings, underinsurance protection is also available just in case your items are not insured to their correct value. If you’re choosing to apply online, you’ll receive a 10% online discount and with a good claims history, you could also be looking at getting a no claims bonus.

Key features:

Westpac Premier Care Residential will protect your contents in a range of circumstances. You won’t ever need to worry if your contents are damaged by any of 16 insured events that range from natural disasters like fires and floods to accidental damage and even fusion.

You might also be happy to know that Westpac Premier Care Residential will also provide cover for veterinary expenses and temporary accommodation for both your and your pet if you ever need to temporarily move out of home. And don’t worry if you do ever need to move house, as Westpac Premier Care Residential will cover your contents while you do.

When it comes to protecting your contents, you can rest easy knowing nearly all of your standard household items will be covered. Things like electronic files, cameras and their accessories, antiques and other valuable items like jewellery are all covered. Important documents like your birth and marriage certificates are also covered along with your trade tools and any personal medical equipment you may have.

But no policy can cover everything so you need to know that Westpac Premier Care Residential does not provide cover for uncut gems, identity theft, inventory, lock replacements or any demolition costs and temporary repairs.


Who it's good for:

Westpac Premier Care Residential is a good choice for anyone who’s after a level of cover of the highest standard for their belongings and isn’t so concerned with the price tag.

Any catches?

As with any insurance policy, you should be aware of the limits on certain valuable items. For example, you will only receive up to $3,000 for trade tools, which may leave you out of pocket if these are expensive tools that now need to be replaced. 

In this case, it’s recommended to list these items separately with your policy in order to get a higher standard of cover. 


How is Westpac home insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
Westpac home insurance
8.0

Based on 138
Westpac home insurance reviews

7.5 7.7 8.2 7.4 7.9

Latest reviews of Westpac Contents Insurance

Westpac

Westpac Premier Care Residential home insurance review

Overall rating   10 / 10

Great to deal with.

Always happy to help, no question is too silly.

Full review

Always happy to help, no question is too silly.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Debbie (VIC), reviewed over 2 years ago

Westpac

Westpac Premier Care Residential home insurance review

Overall rating   7 / 10

Great.

Found them very helpful.

Full review

Found them very helpful.

    Value for money   7 / 10

    Policy coverage   7 / 10

    Customer service   8 / 10

    Claims handling   6 / 10

    Trust   9 / 10

Less

Anthony (QLD), reviewed over 2 years ago

Westpac

Westpac Premier Care Residential home insurance review

Overall rating   10 / 10

Very happy with Westpac

I couldn't be more happier with Westpac and their staff.

Full review

I couldn't be more happier with Westpac and their staff.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Luke (WA), reviewed over 2 years ago

Westpac

Westpac Premier Care Residential home insurance review

Overall rating   1 / 10

Awful service

They have no idea how to treat people.

Full review

They have no idea how to treat people.

    Value for money   3 / 10

    Policy coverage   1 / 10

    Customer service   0 / 10

    Claims handling   0 / 10

    Trust   0 / 10

Less

Kevin (QLD), reviewed over 2 years ago

Westpac

Westpac Premier Care Residential home insurance review

Overall rating   9 / 10

Great customer service

Pros - customer service Con- haven't had any yet

Full review

Pros - customer service Con- haven't had any yet

    Value for money   9 / 10

    Policy coverage   8 / 10

    Customer service   10 / 10

    Claims handling   9 / 10

    Trust   9 / 10

Less

Grace (WA), reviewed almost 3 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Currently showing

Contents

  • Up to $1,250

  • Up to $5,000

  • Software and Hardware up to sum insured

  • Up to $20,000

  • Up to $5,000 per item, up to $20,000 in total

  • Up to $2,000

  • Up to $3,000

  • Up to $15,000

Other cover

  • Up to $15,000 for funeral

  • Up to $500

  • Up to 12 months, up to 10% of sum insured

  • Up to 12 months, up to $5,000

  • Up to 12 months, up to 10% of sum insured

  • Up to 10% of sum insured

  • Up to 14 days

  • Up to 20% of sum insured

Policy and service features

  • 60

  • Yes - Up to 20% of sum insured

  • $100

  • 15% online discount, over 50s, no claim bonus, security systems

  • Up to $20,000,000

Events

  • Up to 15 years old

Contents

  • Up to $1,000

  • Software and Hardware up to $3,000

  • Up to $3,000

  • Up to $500 per item, up to $3,000 in total

Other cover

  • Up to $5,000

  • Up to 10% of sum insured

  • Up to 14 days

Policy and service features

  • 60

  • Yes - Up to 5% of sum insured

  • $100

  • 15% online discount, over 50s, no claim bonus, security systems

  • Up to $20,000,000

Events

Contents

  • Up to $750

  • Up to $1,000

  • Software and Hardware up to sum insured

  • Up to $10,000

  • Up to $1,000 per item, up to $5,000 in total

  • Up to $1,000

  • Up to $2,000

  • Up to $10,000

Other cover

  • Up to $10,000 for funeral

  • Up to 12 months, up to 10% of sum insured

  • Up to 12 months, up to $5,000

  • Up to 12 months, up to 10% of sum insured

  • Up to 10% of sum insured

  • Up to 14 days

Policy and service features

  • 60

  • Yes - Up to 10% of sum insured

  • $100

  • 15% online discount, over 50s, no claim bonus, security systems

  • Up to 20% of sum insured

  • Up to 20% of sum insured

  • Up to $20,000,000

Events

  • Up to 15 years old

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).

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