Get a quote

Contents insurance

  • Simple online quoting with up to 10% discount*^
  • Quick & easy claims service 24/7
  • New for old replacement where we agree to replace your contents, such as TV, furniture & computers
Terms and conditions apply.

Why should I insure my contents with Over Fifty Insurance?

Our contents insurance can help you get back on your feet if your belongings are damaged or destroyed due to an insured event such as fire, storm or theft.

  • Quality Service
  • Quick and easy claims service 24/7
  • Friendly and helpful staff 
  • Payment options for you to select from
  • 100% Australia based contact centre
 
  • Great Savings
  • Up to 10% discount*^ when purchasing a new policy online
  • Up to 30% No Claims Bonus+^
  • Buy both building and contents covers on the same policy to receive up to 10% discount*^
  • Option to increase your excess to reduce your premium
 
  • Great Features
  • You have the option of protection for your personal effects such as your mobile phones, cameras and engagement ring when you take them away from home, even overseas
  • We will also protect you anywhere in the world from having to pay hefty compensation for injury to other people or damage to their property where you are legally liable for up to $20 million (Classic and Prestige covers only. Up to $10 million for Vital cover).
 
 

Select the best cover for your needs

 

The table below is a summary only. Please refer to the Prestige Home Insurance, Classic Home Insurance or Vital Home Insurance Product Disclosure Statement (PDS) for more information.

You are protected against loss or damage caused by Over Fifty Prestige Over Fifty Classic Over Fifty Vital
Insured Events cover
Accidental loss or damage    
Accidental breakage (of glass)
Automatic indexation of sum insured
Compensation for death (Up to $10,000)
Contents in open air at the risk address
Credit cards – cover for loss or theft (Up to $5,000)
Fusion of electric motors

Motors up to 12 years old

Motors up to 10 years old

 
Guests’, visitors’ and domestic helpers’ property (Up to $5,000)
What you are insured for – features and benefits      
Legal liability cover

Up to $20,000,000

Up to $20,000,000

Up to $10,000,000

Modifications to buildings for paraplegia & quadriplegia (Up to $10,000)
Replacement of locks and cylinders

Up to $2,000

Up to $1,000

Up to $1,000

Security firm attendance

Up to $500

Up to $500

Up to $500

Spoilage of refrigerated / freezer food

No specified limit^^

Up to $500

 
Temporary removal of Contents from your risk address

Up to 20% / $7,500 of contents sum insured with sub-limits for selected contents

Up to 20% of contents sum insured with sub-limits for selected contents

Up to 20% of contents sum insured with sub-limits for selected contents

Title deeds (Up to $2,000)
Veterinary costs (Up to $500)

^^If spoilage of perishable food occurs as a result of a declared natural disaster, the maximum payable is $500.

Upgrade your cover

  • Specified personal effects

    Specified personal effects cover gives you the option to list high value items which you can insure for a nominated amount, higher than that offered under unspecified personal effects

    We can protect your personal effects such as your mobile phones, cameras and engagement ring, when you take them out of home, even overseas.

  • Domestic Workers' Compensation

    Where you employ a domestic worker, we will pay the amount you are liable to pay if they are injured while working for you. Cover only available in the Australian Capital Territory, Western Australia and Tasmania. 

Policy documents

Terms, conditions, limits, eligibility criteria and exclusions apply. For more information please refer to the Prestige Home Insurance, Classic Home Insurance or Vital Home Insurance Product Disclosure Statement (PDS). To see some of the events covered and not covered, please refer to our Key Facts Sheets (KFS).

Why choose Over Fifty Insurance?

  • It’s simple

    Obtain a quote, purchase online and save up to 10%*^

  • Flexible payment options

    We provide the option to pay by the month at no extra cost#

  • We offer choice

    Choose from a range of  products

  • There’s any easy claims service

    Quick and easy claims service 24/7

Home Insurance Calculators

It is essential that you have adequate cover to help protect your home and your contents and that's why Cordell has provided these calculators. They work as guides to help you estimate the replacement value of your home building and contents.

 

 

  • What is the replacement value of your buildings?

    You can use the Home Building Replacement Cost Calculator below to help you calculate the estimated value of your home.

    Value my Home
  • What is the replacement value of your contents?

    You can use the Home Contents Replacement Cost Calculator below to help you calculate the estimated value of your contents.

    Value my Contents

Next steps

Over the phone – 24 hours a day, 7 days a week claims hotline

To submit a claim over the phone call 13 31 30, select claims and one of our friendly consultants will assist you.