The details shown below are for the Essential Care Residential (Home & Contents)
The details shown below are for the Quality Care Residential (Home & Contents)
The details shown below are for the Premier Care Residential (Home & Contents)
Choose the version of this product that suits you best
| Name | |
|---|---|
| | Essential Care Residential (Home & Contents) |
| | Quality Care Residential (Home & Contents) |
| | Premier Care Residential (Home & Contents) |
Essential Care Residential (Home & Contents)
Quality Care Residential (Home & Contents)
Premier Care Residential (Home & Contents)
With Westpac’s home and contents insurance there are three levels of cover to choose from, Essential, Quality and Premier. Both Essential and Premier Care Residential cover scooped up awards in the 2020 Mozo Experts Choice Awards! Premier Care for Exceptional Value and Exceptional Quality Home and Contents Insurance and Essential Care for Exceptional Value. All levels of care provide cover for storms, fires and theft.
No matter what your home or contents go through, from fires to glass breakage and explosions, it’s safe to say that Westpac’s Residential Care home and contents insurance has got it under control.
All three levels of cover provide cover for storms, lightning, floods, fires, theft, malicious acts and up to $20 million of legal liability. Cover for items such as jewellery, sporting equipment, artworks and CDs and DVDs is included with Essential, Quality and Premier Care. However, how much you are covered for will vary depending on what level of cover you choose. For instance, for jewellery and watches Essential Care will cover you up to a maximum of $3,000 per claim, whereas Premier Care will cover you up to a maximum of $20,000 per claim.
Premier Care even provides up to $10,000 worth of cover for gardens and landscaping. Although it should be noted that Essential and Quality care do not. Both Premier and Quality Care provide up to $5,000 worth of emergency accommodation cover for pets.
It should be noted that power surges, identity theft, any stock or inventory and uncut gems will not be covered.
Westpac’s home and contents insurance would suit anyone who wants the option to choose their level of cover.
While Westpac Premier Care Residential aims to provide a bulletproof policy, keep in mind that they don’t offer cover for identity theft.
Also keep in mind that what you are covered for, will depend on what level of cover you choose.
60
Yes - Up to 10% of building sum insured
Yes
$100
true
yes
15% online discount, 10% combined policy discount, no claim bonus
Yes
No
No
Up to $20,000,000
n/a
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
Yes
No
No
Yes
No
No
Up to $1,000
Computer software: Up to $3,000. Computer hardware: Up to $3,000.
Yes
Yes
Yes
Up to $3,000
Up to $500 per item, up to $3,000 in total
Up to $500 in total
No
No
Yes
No
No
No
No
No
No
Up to $10,000
No
No
Up to 10% of sum insured combined with demolition cost
Up to 10% of sum insured combined with debris removal cost
Yes
Up to 14 days for contents
No
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).
60
Yes - Up to 20% of building sum insured
Yes
$100
true
yes
15% online discount, 10% combined policy discount, no claim bonus
Yes
No
Up to $2,000 in the open air at the site
Up to $20,000,000
n/a
Terms, conditions and limits apply. Read the relevant Product Disclosure Statement to see if this insurance is right for you.
No
Yes
Yes
Yes
Yes
Yes
Yes
Up to 15 years old
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Up to $1,000
No
Yes
Up to $750
No
Yes
Computer software: Yes. Computer hardware: Yes.
Yes
Yes
Yes
Up to $10,000
Up to $1,000 per item, up to $5,000 in total
Up to $1,000
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
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 combined with demolition cost
Up to 10% of sum insured combined with debris removal cost
Yes
Up to 14 days for contents
No
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).
60
Yes - Up to 30% of building sum insured
Yes
$100
true
yes
15% online discount, 10% combined policy discount, no claim bonus
Yes
Yes
Yes
Up to $20,000,000
n/a
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
Yes
Up to $2,000
Up to $10,000 for plants
Yes
Up to $1,250
No
Yes
Computer software: Yes. Computer hardware: Yes.
Yes
Yes
Yes
Up to $20,000
Up to $5,000 per item, up to $20,000 in total
Up to $2,000
Up to $2,000
No
Yes
Up to $3,000
No
Up to $15,000
Up to $15,000 for funeral
No
Up to $2,000
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 combined with demolition cost
Up to 10% of sum insured combined with debris removal cost
Yes
Up to 14 days for contents
Up to 20% of sum insured
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).
They are familiar and super easy.
Read full reviewThey are familiar and super easy.
I've never had to make a claim but overall never had a bad experience with the insurer
Read full reviewI've never had to make a claim but overall never had a bad experience with the insurer
I haven’t had to make a claim but the premium was competitive and included things like motor burn out that weren’t included in other more expensive policies.
Read full reviewI haven’t had to make a claim but the premium was competitive and included things like motor burn out that weren’t included in other more expensive policies.
When I joined the insurance they were very helpful ,and explained everything to me
Read full reviewWhen I joined the insurance they were very helpful ,and explained everything to me
The product (insurance) itself is money worthy. The only complaint I have is customer service through phone. The wait was too lengthy and when the phone was passed on to another officer, the message was not relayed and was hung up just like that, making you look like a fool hanging on to the phone for 40 min with no one listening to you.
Read full reviewThe product (insurance) itself is money worthy. The only complaint I have is customer service through phone. The wait was too lengthy and when the phone was passed on to another officer, the message was not relayed and was hung up just like that, making you look like a fool hanging on to the phone for 40 min with no one listening to you.
