Your contents cover depends on the type of insurance you have with initio. Some policies include it automatically, while others give you the option to add it. If you’re unsure about your current cover, you can check your initio dashboard. Own home insurance (owner-occupied home) You… Learn more
Picking the right insurance excess can be tricky. Excess is the money you pay when something goes wrong, like a broken window or water leak. Let’s make it simple. High or low excess? If you pick a high excess, you pay less money every year… Learn more
Make sure your big move is covered by insurance. Congratulations! You’ve found your new dream home and the day has come for the big move to your new property. But what if something falls off the back of the truck during the move? Does your insurance still cover… Learn more
When you insure your belongings, you pick a total amount of cover for everything. But, some items still have a sub-limit on how much they’re covered for. For the items in the table below, if you think something is worth more than this limit, you can add it as a… Learn more
Our comprehensive personal contents protection under our Own Home policy is generally based on new-for-old cover. There are however a few items that are covered for their current value, where your payout will be based on the item’s present (or market) value. These are listed below, please note that other… Learn more
Lawn mowers (and other domestic garden appliances like a hedge trimmer) are covered as standard under our contents insurance. Lawn mowers do not need to be listed as specified item to be covered. This also includes ride-on lawnmowers (as long as they are used personally at your house). If… Learn more
There’s replacement cover for most medical assistance equipment you own and keep at your residence under our Own Home Contents cover (owner-occupied policy). This includes hearing aids, insulin pumps, spectacles, dentures, and mobility aids such as wheelchairs and walkers. These items are automatically covered under your main contents sum insured… Learn more