Save up to 10%
Up to 10% discount on your first year's premium when you quote and buy a new policy online¹,³
24/7 online claims
24/7 online claims lodgement or call 1300 55 50 30 to speak to a real person
Cover when you’re moving house
We will cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst contents are being moved between premises, or in transit (unless you have Accidental damage cover).
National Seniors Contents Insurance for renters will cover up to 10% of the contents sum insured for removal of debris from the home building if your contents are damaged or destroyed by an insured event.
Cover for events
We will cover you up to your contents sum insured for loss or damage caused by storm, cyclone, rainwater and run-off (provided run-off is not combined with flood waters). For cyclones, floods, grassfires and bushfires a 72 hour exclusion period applies from when you first purchase your policy or increase the amount of cover.
Alternative accommodation for your pets
If your contents are damaged by an insured event to an extent that you can’t live in your home buildings, we will cover the additional costs for temporary accommodation for you up to 10% of the contents sum insured and up to $500 for temporary accommodation for your pets in a commercial boarding establishment.
Food or medicine spoilage
If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, we will pay for you to replace it. If the spoilage is due to a natural disaster (declared by Allianz, the government or the Insurance Council of Australia ) the maximum we will pay is $500. No excess will apply.
Cover for storm damage
Rest easy, within the first 72 hours following a storm, National Seniors Contents Insurance for renters has got you covered for loss or damage caused by soil movement, landslide, mudslide or subsidence caused by a storm.
We will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness caused by an accident, and/or physical loss of or damage to property caused by an accident (or series of accidents). If you have contents cover, it does not cover any legal liability you may incur as owner of buildings unless the buildings are defined as a lot.
Accidental breakage cover for you rental property
We will cover you for accidental breakage of a fixed glass or ceramic item, like a window, cooking surface, sink or toilet if you are legally liable as a tenant to pay for the breakage.
If you have insured your contents and your cat or dog is injured in a road accident during the period of insurance, we will pay up to $500 in any one period of insurance for related veterinary expenses.
Emergency contents storage
We’ll pay to move and store your contents when the home building you live in is damaged by an insured event and is unable to be lived in - up to a maximum of 12 months.
Contents insurance protects the belongings you have at the insured address: from your furniture, carpet and appliances to your BBQ and even your clothes, shoes and handbags.
So, if any of the below insured events happen during the period of insurance, we’ll generally pay to repair or replace your contents – up to the policy limits.
- Fire or smoke⁶ (including bushfires and grassfires)
- Theft or burglary
- Storm⁶ and cyclone⁶, rainwater or run off (not including flood which subject to eligibility may be available under the optional Flood cover)
- Water or other liquid damage
- Impact damage
- Earthquake or tsunami⁷
- Accidental breakage of glass or ceramic items
- Vandalism or malicious damage
- Riots or civil commotion
For full details of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before making a decision to purchase the insurance. The Home Buildings Key Fact Sheet (KFS) also sets out some information about the cover.
Effective 22 February 2021
Carolyn, 78 - SA
Travel Insurance customer
I was very impressed by the friendly efficient service I received from Sinead. She answered my many questions with patience and understanding. I got all the clear answers I needed to enable me to confidently decide to take out National Seniors Travel Insurance.
Harry, 71 - QLD
Caravan Insurance customer
Jeremy was the most helpful person I have ever spoken to. Thank you so much Jeremy, I wish there were more caring and experienced people like you.
Angus, 79 - QLD
Travel Insurance customer
What a pleasure it has been to enquire about travel insurance with Sinead. She was so professional and helpful at all times. She was a pleasure to talk with and answered every question I had regarding travel insurance and above all returned my phone calls quickly with any questions she wasn't sure of. National Seniors Insurance are blessed to have such a delightful, helpful person working for them and I would recommend Sinead to any of my friends for travel insurance.
Mandy, 73 - QLD
Travel Insurance customer
I would like to say that Sinead was extremely helpful and knowledgeable in quoting for insurance for a couple of policies we were getting for comparison for. She is very friendly, easy to talk to and makes you feel like a friend rather than just another customer, which I like. I would recommend anyone to contact her for their insurance quotes.
It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. If you don’t have enough cover, you could end up having to cover some of the costs yourself.
Use this calculator as a guide to help you estimate the replacement value of your home contents.
National Seniors Insurance is part of National Seniors Australia, a leading not-for-profit advocacy organisation giving older people a strong national voice. Our evidence-based advocacy tackles issues such as age discrimination, the Age Pension, cost of living, health costs, and more.
Modest profits from the sale of your policy help us create real change and a better future for all older Australians.
National Seniors Australia members have access to a range of benefits and services – including discounts on Travel, Health and Life Insurance.
As a member, save with discounts, expand your social circle through our branches, receive a yearly subscription to Our Generation digital magazine, and access our Financial Information Consultant by phone.
For only $49.50, anyone can become a member and it only takes minutes to join.
Members can speak to a real person to receive up-to-date information on retirement planning, estate planning, Centrelink benefits, investment choices, Aged Care, superannuation, and more!
National Seniors Australia Ltd ABN 89 050 523 003 AR 282736 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from www.nationalseniorsinsurance.com.au. The relevant Target Market Determination is available by calling 1300 50 50 99. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.
Information contained on this website is general information only.
1. Online discount
[Home] When you quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year's premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.
When you take out a new policy, we calculate your No Claims Bonus based on your home or landlords (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding five year's. Landlord customers must have had no Landlord insurance claims in the preceding 3 year's. However, customers who have had claims may still qualify for a reduced No Claim Bonus.
3. Minimum premiums
If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts.
Discounts do not apply to taxes or government charges.
Discounts do not apply to optional covers for Domestic Workers Compensation / Landlord Workers Compensation, and may not apply to other optional covers (if available and selected).
Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.
4. Excess reduction
Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.
5. Instalment premiums
If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.
For more information about promotional or other discounts, please visit our Comprehensive Motor Insurance website here.
6. 72 hour waiting period
We do not provide cover for any loss of or damage to your property caused by cyclone, grassfires and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy.
7. Earthquake excess
An additional imposed excess amount of $250 applies for each claim or loss or damage caused by an earthquake or tsunami, or a series of earthquake or tsunamis, during any period of 48 consecutive hours.