Why you should use Contents Secure:

Extracts from Insurance Council of Australia Web Site

General tips on Home & Contents Insurance

"List the contents of every room and estimate their replacement value An updated checklist of all assets in and around your home will help at policy renewal time Make a note of any serial numbers or identity marks for valuable items For unusual items, take photographs or a video to help in their description."

By using Contents Secure, all the information & photographs are stored safely away from your home in our secure server and can be easily updated. All information is accessible at time of claim, when it is needed.

Recovery & Claims Advice

"It will assist and may fast track the claims process if a detailed inventory (with photographs) is compiled."

With the Contents Secure system, your inventory list and photographs will be available at all times, and we help you keep your list up to date with periodic reminders.




Extracts from various product disclosure statements (PDS)

Westpac
Home and Contents Insurance
Product Disclosure Statement and Policy Wording.
Effective 3 October 2009.

1.8 Evidence of ownership and value.
It’s important to keep records of your possessions, and any documents that provide evidence of your property’s value, in case you do need to make a claim. It’s also a good idea to keep these records in a safe place away from the property, for example, with a family member, or in a bank safe deposit facility.

When making a claim for your contents and/or personal valuable items, you must be able to provide us with evidence of ownership and value. Some acceptable forms of evidence are:

  • Proof of purchase – including sales receipts, credit card statements or bank statements showing the purchase transaction details. The proof of purchase should include the item description or code, a purchase price, date purchased and where the item was purchased.
  • model and serial numbers and original instruction
    booklets and owner’s manuals.
  • valuations – a document completed by a professional valuer before the loss occurred including an item description, specifications and the cost to replace the item in Australian dollars.
  • original certificate of authenticity from the manufacturer.

NRMA
Home Insurance
Buildings and Contents
Product Disclosure Statement and Policy Booklet
Dated: August 2009

Co-operate
You must co-operate fully with us, even if we have already paid your claim. This may include:

  • providing us with all the information, documents and help we need to deal with your claim.
  • immediately sending us any letters, notices or court documents that you receive about any incident which has resulted, or may result in a claim against you.
  • being interviewed by us.
  • attending court to give evidence.

You must be truthful and frank in any statement you make to us.

Proof of loss and ownership
If we ask you to, then you must provide proof of ownership and value for any item included in your claim – for example receipts, valuations or photographs.

QBE Insurance Australia
Home Cover
Insurance Product Disclosure Statement And Policy Wording
Dated: April 2009

9.5 How to make a claim
When you make a claim you and any relevant family member must:

  • contact us by phone as soon as practicable and be ready to provide details of the incident to our operator.
  • if we require it, complete the claim form we may send you.
  • return the completed claim form promptly together with all letters, documents, valuations, receipts or proof of ownership that you have been asked to provide, otherwise, we cannot process the claim.

9.7 Proof of Ownership
Where this policy insures your contents, for high risk items, whether you have specified them on the schedule or not, or if this policy insures your valuables, we will require from you evidence of ownership and value for each item. This evidence can be a combination of:

  • receipts, valuations, instruction manuals, guarantee or warranty certificates, catalogues.
  • make, model and serial number
  • photographs or video film of the item.