This section provides guidance on some of the items of contents with limits that you can increase if you specify a higher value below. This summary does not include all of the limits within the various insurer Residential Contents Policies we may consider. You should not rely on this summary and need to refer to the Final Residential Contents Policy document for the full details of the limits.

The following items are covered up to the limits in this table below:

* The maximum amount we will pay for any one claim for multiple items of jewellery and watches that are NOT specified will be 15% of the contents sum insured (excluding the specified items sum insured) or $15,000, whichever is the greater.

** The limit for unset precious or semi-precious gemstones or minerals can only be increased in some circumstances. You will need toapply to extend this limit. If we agree to extend this limit, a clause will be added to your policy setting out the terms of the extension.

If you want to insure items in the table above for their full value, please specify each item in the space provided below: The values (and the items themselves) that you specify below will be insured in addition to your ‘general contents’ sum insured above. The total sum insuredis a combination of the general contents and the specified items and the maximum we will pay is the sum insured shown on the schedule.

Duty of Disclosure
Subject to any rights you have under the Criminal Records (Clean Slate) Act 2004, the information given is in every respect correct and complete and all material information has been disclosed, whether the information is asked for or not. Material information is information that might influence our decision to insure you and if so on what terms and / or premium. If you have any doubt as to whether a fact is material then it must be disclosed. The duty to disclose all material information occurs prior to the commencement of cover, if the contract is varied and prior to each renewal. Failure to disclose all material information may result in the insurer avoiding your insurance policy. This means your policy would be deemed never to have existed and any claims would not be payable. The information contained in this document shall be the basis of the contract between you and the insurer, and you are willing to accept cover subject to the insurers policy terms, conditions, exclusions and any special terms that the insurer may require.

Privacy Act 2020
The brokerage has collected your personal information in order to evaluate your insurance requirements for the purpose of deciding whether to issue insurance cover and, if so, on what terms. Failure to provide any personal information requested by the brokerage may result in your application for insurance being declined. The brokerage has also collected your personal information in order to monitor and service your ongoing general insurance requirements, conduct market research, data processing and statistical analysis. Unless you notify the brokerage that you disagree, the information you supply may also be used by the brokerage to provide you with information about other facilities, products and services. Your personal information is held by the brokerage. In accordance with the Privacy Act 2020, individuals have a right to request access to and correction of their personal information (a fee may be payable) by contacting the brokerage.

Authorisation
You authorise the brokerage to give to and obtain from other Insurance Companies, Insurance Brokers, the Insurance Claims Register Ltd or any other party, any information relating to this or any other insurance held or previously held by you, and any claim(s) made by you, and any information you have provided now or previously for the purpose of payment. You also authorise the brokerage to disclose personal information about you to it’s related companies (as defined by the Companies Act 1993), all it’s present and future contracted insurance product manufacturers and / or authorised representatives for these purposes.