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What is portable contents cover?

Portable contents/valuables insurance is an optional extra you can add to your contents insurance that may insure certain items you might take out of the house regularly. These are items that your standard contents insurance may cover while in your home, but not when you’re out and about, such as your handbag or even your bicycle.

Depending on the policy, you could insure your most prized personal possessions against accidental damage, theft or loss.

Portable contents cover is also often called personal effects cover. Despite the different names, they are one and the same.

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Frequently asked questions

What is portable contents cover?

Portable contents cover is an additional cover option available under contents insurance. Providers may offer you portable contents cover to insure certain items that may be included under standard contents insurance while in the home, but not when you take them out with you. This includes items like:

  • jewellery
  • sports equipment
  • cameras

This type of cover is also sometimes called portable valuables or personal effects cover; however, they are all the same type of insurance and provide the same cover.

Find out which portable contents or personal effects you can cover by completing a quote through our free comparison service.

Should I get portable contents cover?

When you’re hauling around a bunch of your belongings every day, it’s much easier for them to become lost or get damaged than if they were sitting safely at home. Depending on which policy you choose, portable contents insurance could provide a financial safety net for these items by reimbursing you or replacing them in the event of theft or damage.

Protect your portable contents from loss or damage today through our handy comparison service.

What does personal effects cover insure?

With personal effects insurance, you can specify cover for items such as:

  • bicycles
  • clothing
  • medical aids
  • musical instruments
  • jewellery and watches
  • photographic and sporting equipment

Whether your favourite or regularly used items are decorative or practical, there’s no doubt that such possessions are of great value to you. These are the sorts of personal effects that portable contents cover can insure. Of course, you may find that coverage differs from provider to provider, and even from policy to policy so make sure you check the Product Disclosure Statement (PDS) before purchasing a policy to know exactly what you’re covered for.

Find out if your personal effects can be covered for loss and damage through our comparison service.

Can you claim lost items on home insurance?

If you lose an item, you can’t claim it on home insurance. Home insurance only covers the physical structure of your house. Instead, you may be able to claim it on either contents or portable contents insurance, depending on what the item is and where it was lost/stolen.

Contents insurance covers the possessions inside your house, while portable contents cover can insure those things you take outside daily, like certain pieces of jewellery.

Find out what else you may be able to claim by getting a quote through our comparison service.

How much does portable contents cover cost?

Like with any insurance, how much you might expect to pay for portable contents cover may depend on which personal effects you wish to cover and how much they’re worth.

To see how much it will cost you to insure your personal effects, head over to our comparison service to complete your quote.

With our free service, you can compare policies from a range of insurers to find a competitive deal on your cover. Best of all, purchasing through our tool costs the same as going direct to the insurer!

Who provides portable contents cover in Australia?

If you’d like to compare providers who offer portable contents cover alongside standard home and contents policies, use our handy comparison service. We feature some of Australia’s top insurers, helping you find a great deal on your cover.

You can also look through the following list of providers. Please be aware that this list isn’t exhaustive and is subject to change.

  • 1st for Women insurance
  • AAMI
  • Allianz
  • Apia
  • Aussie
  • Australia Post
  • Australian Seniors
  • Australian Unity
  • Bank of Queensland
  • BankSA
  • Beyond Bank
  • Budget Direct
  • CCI Personal Insurance
  • CHU
  • Coles Insurance
  • Commonwealth Bank
  • COTA Insurance
  • CUA
  • GIO
  • HBF
  • HSBC
  • ING
  • NAB
  • NRMA
  • QBE
  • RAA
  • RAC
  • RACT
  • RACV
  • Real Insurance
  • SGIC
  • SGIO
  • Shannons
  • Suncorp
  • TIO
  • Virgin Money
  • Westpac
  • Woolworths

Information accurate as at 6 November 2019.

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