Platinum Home and Contents Insurance
Protect your assets and lifestyle with Suncorp Platinum Home and Contents Insurance
At Suncorp we understand your home, possessions and lifestyle are important to you. That's why we've designed Platinum Home and Contents Insurance - our highest level of protection for your home and valuable possessions. If you are seeking a higher level of cover and have a minimum home sum insured of $300,000 and/or a minimum contents sum insured of $100,000, you are eligible to apply for Platinum Home and Contents Insurance.
Key features of Suncorp Platinum Home & Contents Insurance
| Feature |
Description |
| Cover for your belongings - in AND away from your home |
When you are away from your home, Platinum Insurance will also cover most contents items such as your mobile phone, laptop, golf clubs, cameras and jewellery for accidental loss, damage or theft anywhere in Australia and New Zealand for up to 6 months. |
| Cover for accidental damage for mishaps |
Cover for the following:
- spilling paint or wine on carpets
- scorching a bench top
- knocking over a cabinet with crystal glasses
|
| Higher limits on valuables |
Platinum insurance provides higher limits on valuables such as jewellery, silverware, paintings and artworks so you don't have to list as many valuables to be fully covered. |
| Automatic flood cover |
From 1 July 2008, all new and existing Home & Contents Insurance customers will have our automatic flood cover for all types of flood caused by rain. Click here to learn more about our flood cover. |
| Eco-friendly insurance features |
We will pay up to $2,500 of the net cost of installing a rainwater storage solution or solar powered heating facility when we rebuild or repair your home when at least 80% of your home is damaged by an insured incident.
When we replace new for old, we replace your damaged white goods with ones of equal specifications that have a minimum 3 star energy rating, even if your item originally had a lower rating.
|
| Lifetime guarantee on home repairs |
For peace of mind, Suncorp guarantees the quality of materials and workmanship of home repairs that we authorise and arrange for the lifetime of your home. |
| Additional features |
Suncorp's Platinum Insurance includes a number of Additional Features at no extra cost, such as:
- Higher policy limits on items such as jewellery, art and collections
- Temporary accommodation costs during repairs for up to 12 months
- Cover for uninsured contents owned by visitors when you take out contents insurance
- Legal liability cover up to $20 million
|
Optional covers for
Platinum Home & Contents Insurance |
Tailor your insurance cover to suit your needs with the choice of 3 optional covers such as:
- Platinum Safety Net Home Protection Option - If your home is damaged by an insured incident and the repair or replacement cost exceeds the sum insured, we will if necessary pay up to an extra 30% of your home sum insured to repair damage, replace your home or pay you what it would cost us to repair or replace your home
- Injury to Pet Dogs and Cats - We will pay up to $2,000 for veterinary treatment from any one accident
- Mortgagee's Interest for Strata Unit Owners - Only available if you insure contents in the unit
|
| Home Assist |
Access to legal and medical advice or property maintenance assistance through Suncorp Home Assist. A range of service providers are on hand for you to call 24 hours a day, 7 days a week if you require advice on legal and medical matters, or help to search for a local tradesperson to undertake property maintenance. If you require assistance on property maintenance around your home, our service providers can arrange for an accredited tradesperson to contact you within one business day. |
| Discounts and ways to save on your policy |
- A 10% premium discount for being 55 or over
- An additional 5% premium discount if you are 60 or over and hold a QLD Seniors Card
- Save 15% off the combined premium when you combine your home and its contents onto one policy
- Choose a higher excess to reduce your premium
- Installing extra security at your home may also reduce your premium
- You may be eligible for a Multiple Product Discount if you have other insurance products with us
|
| Online Tools and Tips to help you protect your home and contents |
- Home Insurance calculator - Use this as a guide to estimate the amount of cover you need.
- Contents Insurance calculator - The cost of replacing your home's contents could be more than you think. Use our calculator as a guide to estimate the amount of cover you need.
- Virtual Safe - Keep an inventory of your home & contents items and documents on your own computer with this free, easy-to-use, password protected tool.
- Home Security Tips - Tips on home safety and security for you and your family.
- Postcode Profiler - Find out how your suburb stacks up when it comes to insurance perils like fire, theft and storms.
|
| Only one excess to pay |
When you make a claim for both home and contents for the same event, you only have to pay one excess. |
| No claim forms necessary |
There are no claim forms to fill in when you make a claim - simply call us and we will manage this process for you. |
| You can call us 7 days a week |
Whether you need to lodge a claim, take out new insurance or make a change to your policy, we are here to answer your call 24 hours a day - every day! |
| Pay your insurance monthly |
Spread your premium across twelve easy-to-manage monthly instalments (administration fee applies). |
Product Disclosure Statement
Platinum Home and Contents Insurance is issued by Suncorp Metway Insurance Ltd. ABN 83 075 695 966. Please read the Product Disclosure Statement and any Supplementary Product Disclosure Statement before you make any decisions regarding this product. Contact us for a copy.
These features of Platinum Home & Contents Insurance are available to new customers from 1 July 2008 and to existing Home & Contents Insurance customers upon renewal.
General Insurance Code of Practice
We support and adhere to the General Insurance Code of Practice. By incorporating these standards into our business, we fulfil our commitment to provide the highest level of service to our customers, every time. Access a copy of the Code at the General Insurance Code of Practice web site, or alternatively, contact the Insurance Council of Australia by visiting www.ica.com.au or phoning (02) 9253 5100.
