FAQ's
Please click on a question below to see the answer:
- How can I purchase a Home and Contents insurance policy?
- How long does it take to get Home and Contents insurance?
- What if I have to make a Home and Contents insurance claim?
- What are the best ways I can save money on my Home and Contents insurance?
- Can I buy Home and Contents insurance online?
- What benefits should I seek out when choosing a Home and Contents insurance?
- What factors affect the premium I am charged?
- What happens if I don't tell you about my past claims when I am asked?
- Who is the underwriter for 1Cover's Home and Contents insurance?
1. How can I purchase a Home and Contents insurance policy?
It's quick and easy to get a Home and Contents insurance quote. You can get an instant quote online or alternatively, call us on 1300 126 837, Monday to Friday, 9am to 6pm AEST, and a 1Cover consultant will be happy to help you.
2. How long does it take to get Home and Contents insurance?
Not long at all!
If you have all the details of the property and/or the contents to be insured ready, it shouldn't take more than about 5 minutes!
You will need to have the following details to get a quote:- The estimated replacement cost of your building and any contents
- The address of the property to be insured.
3. What if I have to make a Home and Contents insurance claim?
Making a claim with 1Cover is easy, quick and stress free. There's no paperwork to fill out, all you need to do is call the claims hotline from anywhere in Australia to get your claim assessment underway!
*Tip: It always helps to make sure you can provide as much evidence as possible, so that in the event of a claim, it is assessed quickly! Things like receipts and photos of items will help significantly, come claim time! It never hurts to have some extra evidence!
4. What are the best ways I can save money on my Home and Contents insurance?
When it comes to insurance, everyone loves to save a few dollars! Here are just a few ways you can save on your Home and Contents insurance policy:
- Installing secure deadlocks on any entry doors to the property
- Making sure the windows have security grills, or locks, and are closed when the property is vacant
- Installing a local or monitored alarm system
- Keeping your claims record clean
5. Can I buy Home and Contents insurance online?
Yes, of course!
All you need are the details of your property and contents, a credit card or bank account details for direct debit, and a pen and paper!
If you have any trouble getting a quote online, or prefer to talk to a consultant, just call us on 1300 126 837, Monday to Friday 9am - 6pm AEST.
There is no difference in price whether you buy online, or over the phone!
6. What benefits should I seek out when choosing a Home and Contents insurance?
Insurance policies are very personal things. Different circumstances and lifestyles will present varying needs which is why we try and make our insurance policies as flexible as possible to accommodate everyone's insurance needs!
Some of the benefits you'll enjoy with a 1Cover policy include:
- $20 million in legal liability protection + legal fees
- A lump sum cash payment for the value of the policy
- An additional 10% of the policy value to cover GST costs
- An additional 10% of the policy value to cover removal of debris costs
- Credit card loss or theft up to $5000 (No excess applies)
- Compensation for fracture (No excess applies)
- Temporary accommodation costs (up to 12 months)
- Landscaping costs
Plus much, much more! To find out about all of our product features and benefits, call us on 1300 126 837!
7. What factors affect the premium I am charged?
There are many different factors taken into account when you insurance quote is calculated. Some of these factors are things which you have no control over, such as your suburb, which might be a high risk suburb based on claim information, or on the other hand could be more expensive because of the higher value of the third party risk. Other factors however, may give you more control over your premium price, such as making sure you have adequate security for your property, and making sure it is structurally safe and sound and in general good order.
8. What happens if I don't tell you about my past claims when I am asked?
If you do not disclose any past claim history information, you will not be given an accurate quote. All major insurance companies reserve the right to enquire about your claims history, and if there is evidence to suggest that you were deceptive, the insurer can refuse a claim. This makes it very difficult to obtain insurance in the future. Also bear in mind, that if you do take out a policy of insurance under false information, the insurer has every right to investigate your history and refuse to pay you at a time of claim, meaning you forfeit any money you have paid, and you will more than likely be liable for legal action also.
9. Who is the underwriter for 1Cover's Home and Contents insurance?
Allianz Australia is the underwriter for 1Cover's Home and Contents insurance policies. Allianz are a trusted and recognised general insurer, with millions of satisfied customer's world wide. Allianz are located across Australia, and operate an easy, hassle free claim system, to assist our customers at their time of need.
