Contents insurance query

carry1 · Veteran Member

Contents insurance query

GaryKelly · Guru

I have my camper insured with an NRMA contents policy but to be honest I'm not sure exactly what "contents" means other than permanent fixtures.

Cupie · Guru

Our 1999 Jayco is insured with Suncorp for $20.300 plus $1500 for the annex & $1000 extra 'contents' ... paid monthly $512/pa incl $35 stamp duty.

Can't find the disclosure booklet .. have ordered a replacement.

Brenda and Alan · Guru

We have $1,000 contents cover with CIL, but I don't think that is enough to cover TV, sat dish, cameras, phones, computer, etc. so we will look at increasing it when we get home.

Onedodger · Guru

We are insured with the NRMA.

Our house policy has a portable items part that covers most portable items when we travel........ however it costs extra.

We also have an additional $1,000 contents policy which brings the contents under our policy up to $2,000. For the van.

As we have never had to claim (and do not want to for obvious reasons) I do not know what would happen if we did.

But according to the NRMA we are adequately covered and claiming would be easy.

aussietraveller · Guru

Our van is insured with GIO and inclusive in the comprehensive policy is $3000 contents insurance, and a lot of the things you take from home are covered on home contents policy.

jules47 · The Happy Helper

Met some people who had their 60l Engel and a 2kva Honda genie stolen from the canopy of their vehicle - insurance does not cover these items.

dorian · Guru

If you are underinsured, then you will only get a portion of your claim. For example, if your contents are worth $5000 and you are insured for only $1000, then you will only get one fifth of the amount you claim for, even if the value of the stolen items is $1000 in total. That is, if your laptop is stolen and it is valued at $1000, you will only get $200, less excess.

colnden · Member

We live permanently on the road and our contents are insured for $8,000. If you look at a total loss of the van and contents and add the value of tv, computers pots and pans crockery, jocks n socks and everything that is packed in the van then I don't think it is an over kill. Think what it would cost to replace your summer and winter clothes.

Yes it does cost extra and eleven years down the track we haven't needed to claim, but that is the way the cookie crumbles.

Den and Col

Peakhillfm · Member

We are insured with GIO,due to the fact that our Toyota is insured with them as well as the house and contents.We had smoke detectors in the van so we got the contects added as extras.Computers,phones,TV sauspans clothing and also because we has smoke detectors we got an extra discount,

We had everything covered and I think that it was about an extra $6K and it coist all up for the van and contents about $380:00.We are also pensioners and also seniors as well

Grams · Guru

As we are still in the house our insurance is with CIL for contents it's $1,000. When we move permanently into the van we will increase the contents cover to $8,000 - $10,000, as I own a few electronic items.

neilnruth · Guru

We have $1000 cover I think. Not much but we don't have much in way of contents.

Grams · Guru

I was just thinking, can't you get insurance cover for your work tools?

I know a few people work ours of their utes and take their tools everywhere, so there must be an insurance that covers it.

-- Edited by Grams on Tuesday 4th of June 2013 06:26:03 PM

carry1 · Veteran Member

Thanks for all your replies, we have now decided to go to 6,000.00 contents as we will be fully on the road. All Michaels tools will have to travel mostly uninsured as they suncorp which our tug is insured with will only cover 500.00

. CIL will not do tools, and we are going to carry all his plumbing tools with us for future work.

Cheers

carry1 · Veteran Member

Hi Grams, do they actually have them insured ?... Every company we talk to recon because we will be nomads with no fixed address they won't insure them.

cheers. Rita

Grams · Guru

Sorry Rita, I forgot about the nomad no address part. Yes your right no insurance company will insure them. That just sucks though.