What do I do if I need to make a renters insurance claim?
Do what you reasonably can to prevent further loss, damage or liability. Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 65 17 77 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the renters insurance claims process. In order to be sure that you are covered under this policy you should always contact us for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred to the amount we would have authorised had you asked us first.
What does it mean if I take the Accidental Damage cover option?
This optional cover provides even more protection – it covers you in the event of damage caused by unexpected mishaps that are caused unintentionally not just the specified insured events.
If you have Contents cover and take this option, the sort of mishaps you’ll be covered for include when you spill red wine on the carpet or lounge.
We’ll extend cover for your contents anywhere in Australia for up to 90 continuous days (not just at the insured address).
Which option do I need to cover my laptop, tablet, mobile phone or smart watch away from home?
You can cover laptops, tablets, mobile phones, smart watches and other wearable technology away from the home under the Portable Contents optional cover. These items must be specified on your policy as Listed portable contents to be covered under this option. We will not cover cracked glass or screens where this is the only damage to the item.
What if I need to claim on portable contents cover?
You need to provide evidence of the value and ownership of both listed and unlisted portable contents
How do I know if I have optional covers on my policy?
You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting National Seniors Insurance on 1300 50 50 99). If you’re not sure whether you have added these cover options, you can check your policy schedule.
What is considered ‘unable to be lived in’?
Your home is unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and you cannot live in the home.