Netcover - Simply Smarter Insurance

This covers you for items that get stolen from your home or damaged at your home

If your household good and personal possessions inside your home or in your outbuildings are stolen or damaged you enjoy cover up to the amount you are insured for.

This cover may include aspects such as washing and garden furniture, guest's belongings, glass and mirrors that break and even food that goes off in the fridge or money that is stolen from your home.

Some underwriters also provide cover as part of your contents for your liability if something you are looking after is damaged or someone is injured or die accidentally or if someone sues you for damages.

You must ensure that you are not underinsured as the underwriter will check this should you have a claim. If you are underinsured your claim will be adjusted downwards based on an average formula.
You are normally not covered outside your home under your home contents cover for expensive and mobile assets such as cameras, jewellery and cell phones.
Where you operate a business from home the stock in trade is not covered as part of your contents.
Accidental damage cover for mechanical and electrical breakdown of your appliances (fridges/freezers/stove), audio visual equipment (TV/ stereo) and Home Computers are available and are not automatically a part of your cover. This will cover replacement or repair damage for example resulting from power surges. This cover excludes normal wear and tear.
Accidental damage cover does not apply to laptop computers or to gardening equipment such as lawnmowers.
In the event that you have an alarm system noted on your policy as security measure the system must be activated at all times when you are not at home, and must be linked to all outside buildings.
Please ensure that your partner, should you not be married but living on the same premises, is nominated as a co insured to ensure that their assets are covered in the event of a claim.