Important disclosure

RACT

Contents Cover

  • Flexible excess
  • 24 hours claim lodgement
  • Combined policy discount
Policy type

Home and Contents

Combined policy discount

  • Flexible excess
  • 24 hours claim lodgement
  • Combined policy discount
Policy type

Home and Contents

Combined policy discount

Online discount available

$50

Pros and cons

For Home & Contents

Benefits

  • Combined policy discount
  • Online discount available
  • Flexible excess
  • New for old replacement on contents

Drawbacks

  • Pay monthly at an added cost

RACT Rate Home insurance overview

For Home & Contents

Features

Policy type

Home and Contents

Combined policy discount

Online discount available

$50 discount

Flexible excess

Pay monthly at no extra cost

New for old replacement on contents

No claim bonus discount

Choice of builder/repairer

24 hours claim lodgement

Lodge claim online

Cooling off period

21 days

Target Market Determination

Visit RACT to view Target Market Determination.

Insured Events

Storm and rainwater cover

Standard

Storm surge flooding

Flash flooding

Standard

Riverine flooding

Standard

Fire

Standard

Lightning

Standard

Earthquake

Standard

Theft or attempted theft

Standard

Malicious damage (including vandalism)

Standard

Vehicle impact damage

Standard

Escaped liquid(burst/leaking pipe)

Standard

Benefits - Building

Full rebuilding cost protection

Legal liability

Standard

up to $20 million

Temporary accommodation

Standard

up to 10.00% of sum insured

Accidental damage - building

Optional

Accidental glass breakage

Motor burnout - building

Optional

Removal of debris

Standard

up to 10.00% of sum insured

Benefits - Content

Accidental damage - contents

Optional

Motor burnout - contents

Optional

Home office contents

Tools of trade

Up to $1000.00

Guests belongings

Standard

up to $500.00

Jewellery

Up to $1000.00 (item limit), Up to Sum insured (total limit)

Specified portable items

Optional

up to - Sum insured

Unspecified portable items

Standard

up to - $1500.00

Credit card theft cover

Standard

Up to - $1000.00

Funeral expenses

Promoted home insurance

Promoted

Both Building And Contents

Home & Contents

  • Flexible excess
  • 24 hours claim lodgement
  • Covers both building and contents
Policy type

Home and Contents

Combined policy discount

Promoted

Multi Policy Discount Available

Basic

  • Flexible excess
  • 24 hours claim lodgement
  • Combined policy discount
  • Covers both building and contents
Policy type

Home and Contents

Combined policy discount

10%

Promoted

Flexible Excess To Reduce Premium

Comprehensive

  • Flexible excess
  • 24 hours claim lodgement
  • Combined policy discount
  • Covers both building and contents
Policy type

Home and Contents

Combined policy discount

10%

Promoted

Generic

ANZ Home Insurance

  • Flexible excess
  • 24 hours claim lodgement
  • Covers both building and contents
Policy type

Home and Contents

Combined policy discount