Individual cover or multiple covers

You can have a maximum of one contents cover and up to two car covers per policy

The Essentials

  • With choice of fortnightly, monthly or annual payments, the option of paying via Centrepay and no hidden late fees.
  • Simple and honest cover with no paperwork, straightforward claims and low excesses.
  • Affordable car and contents cover with policies that make sense.
  • Build the best cover for your needs. Select what you want to cover, your level of cover, the payment method and start protecting the things you rely on.

Contents

  • You choose between $10,000 or $20,000 of contents coverage for key items.
  • Temporary emergency accommodation costs for when you need it most.

Car

  • You choose between theft and accident coverage of up to $3,000 or $5,000.
  • Up to $20 million liability cover for loss or damage to someone else’s car or property caused by the use of your car.
  • Practical and fair-minded insurance that acknowledges pre-existing car damage.

How much does it cost?

Price depends on age and where you live; inc. of taxes.
Cover may differ from other policies. Eligibility criteria applies.

Good cover, simple options

CAR COVER

Car Cover Car Plus
Comprehensive Theft and Accident Damage

 

Up to $3,000 or market value whichever is lesser

Up to $5,000 or market value whichever is lesser

Legal Liability

 

Up to $20,000,000

Up to $20,000,000

CONTENTS COVER

Contents Cover Contents Plus
White Goods

Fridge, Freezer, Washing machine, Clothes dryer, Air conditioner, Vacuum cleaner

$3,000 in total per incident

$6,000 in total per incident

Electrical Kitchen Appliances

Items such as: Microwave, Toaster, Kettle, Portable hotplate, Electrical cooking appliances, Blender

$800 in total per incident

$1,000 in total per incident

Home Entertainment

TV, Audio and video entertainment devices, Digital media players, Music system, Radio, Wireless audio

$1,000 in total per incident

$2,000 in total per incident

Electronics

Laptop or desktop computer, Tablet, Phone, Printer, Game console, Camera

$2,000 in total per incident

$4,000 in total per incident

Furniture

Items such as: Bedroom furniture, Dining room furniture, Lounge room furniture

$2,500 in total per incident

$5,600 in total per incident

Medical Aids and Equipment

Hearing Aids, Non motorised wheelchair, Prescription glasses, Walking frame, Sphygmomanometer, Diabetic monitoring device, Tens machine, Commode

$500 in total per incident

$1,000 in total per incident

Bicycles

Bicycle

$200 in total per incident

$400 in total per incident

Flexible payment options

  • Fortnightly, Monthly and Annual payment options available
  • No extra charge for instalment payments
  • Over the phone
  • Direct Debit, Credit Card, Centrepay, Post Office (annual)

FAQs

If your insured contents items are damaged beyond repair or stolen and we decide to replace any items, we will replace on a “new for old” basis, regardless of age. We can arrange replacements for you.

For a full definition of “new for old”, refer to your Product Disclosure Statement.

Unfortunately, accidents can happen to anyone, even the most careful drivers. Make sure everyone is safe and for emergencies please call 1800 429 598. Contact us as soon as possible if you suffer loss or damage, or if there is an incident that could result in a claim.

It’s wise to maintain a detailed list of electrical and electronic equipment, which should include makes, models, serial numbers, etc. This will come in handy if you ever need to make a claim.

Photographs will also help us with replacement, and help the police following a burglary.

If we agree to pay a claim for loss, theft or damage to your car we will decide if we will:

  • pay you what it would cost us to repair or replace the damaged parts of your car; or
  • pay you up to the sum insured limit that you selected for your car; or
  • repair the damage.

See more FAQs

microfinance

Essentials by AAI insurance is available via 
Good Shepherd Microfinance Good Money Stores 
and other Providers in the GSM network

Find a provider

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