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Change Contents policy details

Update your Contents insurance details, cover, excess, or more.

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Change Contents policy details

Update your Contents insurance details, cover, excess, or more.

Changes to your policy can affect your premium

Changes to some policy details can increase or decrease what you pay for your insurance. Whether you make a change in the app, online account, or over the phone, we’ll let you know the impact on your premium before you confirm the change.

Change your contents sum insured

What is your contents sum insured

Your contents sum insured is the amount you insure your personal belongings and household goods for. It should be enough to cover the cost of replacing all your things if they get lost, stolen or damaged. This could be in an unexpected event like a fire, flood, or major storm.

You can also add cover for high-value items worth more than the policy limit, like jewellery, bikes, or art, as ‘specified items’ to cover them for their actual value.

Find out what's included and how to calculate your sum insured.

Contents sum insured

How to change your contents sum insured

If you’ve purchased new things like furniture, technology, sports equipment, or sold a high-value item, it’s a great time to update your contents sum insured.

Use the app or online account to change your sum insured at any time.

  1. Select the policy you want to change.
  2. Find the details section and Edit sum insured.
  3. Choose an amount in the range provided.
  4. Check any premium change and the summary page before confirming the change.
  5. Receive your updated policy schedule by email or post.

If you want an amount outside the range listed, call us on 0800 100 200.

Change your Contents policy excess

Your excess is the amount you contribute towards a claim. Choosing a higher standard excess can reduce the cost of your insurance premium. A lower excess means you'll pay less at claim time, but your premium will usually be higher.

Change your policy excess

Change optional benefits on your policy

You can add or remove optional benefits in the app or online account at any time.

For Contents policies, these include: 

  • excess-free spectacles, dentures and hearing aids 
  • lifestyle block contents and tools of trade.

Adding optional benefits can increase the price of your policy. If you remove some, your policy may cost less or you may receive a refund, depending on how you pay.

How to change optional benefits

  1. Select the policy you want to change. 
  2. Find the details section and Edit optional benefits. 
  3. Update the optional benefits selected. 
  4. Check any premium change and the summary page before confirming the change. 
  5. Receive your updated policy schedule by email or post. 

Make other changes

Change contact or login details