Your personalised quote

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Your Duty of Disclosure

Before you enter into this contract of insurance, you have a duty of disclosure under the Insurance Contracts Act 1984.

The duty applies until we first agree to insure you, and where relevant, until we agree to any subsequent variation, extension, reinstatement or renewal (as applicable).
A consumer insurance contract

This policy is a 'consumer insurance contract' as it is, wholly or predominantly, for personal, domestic or household purposes.

Answering our questions

In all cases, if we ask you questions that are relevant to our decision to insure you and on what terms, you have a duty to take reasonable care not to make a misrepresentation when answering the questions.

It is important that you understand you are answering our questions in this way for yourself and anyone else that you want to be covered by the contract.

Variations, extensions and reinstatements

For variations, extensions and reinstatements, you have a duty to take reasonable care not to make a misrepresentation when answering the questions.

Renewal

Where we offer renewal, we may, in addition to or instead of asking specific questions, give you a copy of anything you have previously told us and ask you to tell us if it has changed. If we do this, you must tell us about any change or tell us that there is no change.

If you do not tell us about a change to something you have previously told us, you will be taken to have told us that there is no change.

What you do not need to tell us

You do not need to tell us anything that:

  • reduces the risk we insure you for; or
  • is common knowledge; or
  • we know or should know as an insurer; or
  • we waive your duty to tell us about
If you do not tell us something

If you do not tell us anything you are required to tell us, we may cancel your contract or reduce the amount we will pay you if you make a claim, or both.

If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed.

If you fail in your duty, we may cancel your policy or reduce the amount we pay you if you make a claim, or both. If your failure is fraudulent, we may refuse to pay a claim and treat the policy as if it never existed.

By continuing and clicking the 'I Agree & Continue' button below, you:

  • Confirm you have read and understood the Privacy Notices and agree that, by providing your details, Qikio and Chubb may contact you regarding this insurance,
  • Confirm that the Qikio Contents Insurance Product Disclosure Statement is being made available to you by this website, and
  • Accept the Terms of Use and are obtaining an insurance quote as, or on behalf of, a genuine customer and not for commercial or competitive purposes.
I agree and continue

Find your property

What's the address of the property your insured contents will be located?
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Tell us a bit about you

Please note, the maximum characters allowed cannot exceed 50. Please remove the middle name, as it is not required or provide a shortened version of your name. Please note, the maximum characters allowed cannot exceed 50. Please provide a shortened version of your name.
Sorry, the Policyholder must be 18 years or older Sorry, the Policyholder must be 100 years or youngerPlease enter a valid date of birth (dd/mm/yyyy)
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Tell us a bit about your home

*This includes any structural alterations, extensions, new additions, demolition of a building, or the installation of a new kitchen, bathroom or flooring.
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Tell us a bit about security at the property

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  • Home
  • About Your Cover

Your cover

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60,000

This is the maximum amount the insurer will pay for loss or damage to your contents (referred to as the 'Sum Insured')

Contents means personal property kept at the insured property, that you or a family member own or are legally responsible for. This includes things like unfixed carpets, clothing and furniture. Please include the replacement cost of your valuables (such as jewellery and watches), art and antiques, and electronic contents (such as a music or computer game collection) when selecting the contents insured amount. Limits and exclusions apply (including $2,000 per item and $5,000 in total for valuables, and for art and antiques). Please see the PDS.

An excess applies to each claim unless specified otherwise in the PDS. An unoccupied excess also applies if the insured location has been unoccupied for more than 60 continuous days - calculated as 10% of the contents sum insured.

You will not be covered for claims which occur prior to the policy start date. The policy will not commence unless the premium (either the annual premium, or the first instalment premium - as applicable) is received on or before the policy start date.

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Your duty

You must answer all our questions fully, accurately, and honestly.
Your answers to our questions will help us decide whether to insure you, and on what terms. Each question we ask you is important.

Your duty to us

You have a legal duty under the Insurance Contracts Act to take reasonable care not to make a misrepresentation to us.

Failing in your duty can seriously affect your cover

If you fail in your duty, we may cancel your policy or reduce the amount we pay you if you make a claim, or both. If your failure is fraudulent, we may refuse to pay a claim and treat the policy as if it never existed.

By continuing and clicking the 'I Agree & Continue' button below, you:
  • Agree to answer all our questions fully, accurately, and honestly (see Your duty above),
  • Confirm you have seen our Privacy Notice and agree that, by entering your details, we may contact you regarding this insurance,
  • Confirm that the Product Disclosure Statements are being made available to you here, and
  • Accept the Terms of Use and are obtaining an insurance quote as, or on behalf of, a genuine customer and not for commercial or competitive purposes.
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I agree and continue
Cover details

Policy address

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Policy Period
Contents Sum Insured
Excess
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About you
Full name
Date of birth
Email address
Phone number
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Home details
Building type
Floor
Primary external material
Smoke Detector
Alarm Type
Estimated year built
Property use
Are there ongoing renovations
Edit
Security details
Security Type
Dead lock
Window lock
Intercom
Edit
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Tell us about your most treasured possessions
Insured address: Edit

Option extras
We have optional extras that cover things in addition to the included benefits of our Contents Insurance
Adding these options can increase the price of your premium
Chubb to confirm if we will have accidental damage add on

Away from home options
Get cover for when you take your valuable items out of the home; like you jewellery, laptop, camera or bike

Specify additional cover for your valuable items
Our contents insurance provides cover for certain items up to a limit, however we can increase the limits of some items by specifying them on your policy

Specifying items may increase the price of your premium
Chubb to confirm if we can specify cover for items

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Some final checks

Claims history

In the last 5 years, how many claims has the person to be insured under this policy made under a home contents policy? This includes any circumstances that may have given rise to a claim under a home contents policy but the person was not insured or did not lodge a claim

Insurance history

Has any person to be insured under this policy ever been refused insurance (new or renewal), had insurance cancelled or cover rejected?

Criminal history

Has any person to be insured under this policy been charged or convicted of a criminal offence in the last ten years (with the exception of traffic offences)?

Credit history

Has any person to be insured under this policy been declared bankrupt in the last seven years?

Consent

In the instance where Chubb is unable to offer you insurance, would you like us to provide your personal information and the answers provided during this quote to our Insurance Broker partner, Add Insure?


Important information

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At this time, we can't insure you as you don’t meet our claims history requirements.

Please check back soon as we regularly review and update our acceptance criteria. You can also search for an alternate provider with the Insurance Council of Australia website.
Find out more

Monthly billing frequency

If you have chosen a monthly billing frequency, you authorise Chubb to debit the first instalment of monthly premium on or before the Policy Start Date and on the same day of each subsequent month.

Your policy will be issued on the Policy Start Date you have selected provided that the first monthly instalment is successfully debited from your nominated account by the Policy Start Date. Where any subsequent instalment is not received on the due date and it remains unpaid for at least 14 days, Chubb may refuse to pay a claim (in whole or in part) or cancel your policy.

Automatic Renewal

Chubb will continue to debit the nominated account at the expiry of the policy so it can automatically renew. Please contact Chubb if you do not want your policy to automatically renew.

You will be redirected to the Chubb payment gateway (hosted on a Chubb operated website) when you select 'Agree and continue to payment'. Payments are made directly to Chubb

Annual frequency

If you have chosen an annual billing frequency, you authorise Chubb to debit the full amount of the annual premium on or before the Policy Start Date.

Your policy will be issued on the Policy Start Date you have selected provided that the full amount of the annual premium is successfully debited from your nominated account by the Policy Start Date.

Automatic Renewal

Chubb will continue to debit the nominated account at the expiry of the policy so it can automatically renew. Please contact Chubb if you do not want your policy to automatically renew.

You will be redirected to the Chubb payment gateway (hosted on a Chubb operated website) when you select 'Agree and continue to payment'. Payments are made directly to Chubb

Agree and continue to payment

You are being redirected to the Chubb payment gateway.

If you are not redirected in 5 seconds please click the "Payment gateway" button below.

Payment gateway

Your policy number is

The underwriter, Chubb, will send you an email to the email address you provided, with details about your policy & cover.

It's important that you review the documents that Chubb sends, and the PDS, to make sure that the information you provided is correct.

What happens next

If your policy start date is within two days from the date of this application, Chubb will debit the premium payable (either the annual premium, or the first instalment premium - as applicable) from your nominated account on or before the policy start date and if payment is received Chubb will then send you the Certificate of Insurance and tax invoice by email which confirms the policy has been bound and the cover has commenced from the policy start date.

If your policy start date is more than two days from the date of this application, Chubb will send you a confirmation of acceptance email to confirm the agreed policy start date and premium payable. Chubb will debit the premium payable (either the annual premium, or the first instalment premium - as applicable) from your nominated account on or before the policy start date and if payment is received Chubb will then send you the Certificate of Insurance and tax invoice by email which confirms the policy has been bound and the cover has commenced from the policy start date.

If you need to make any changes or have an enquiry about your policy, you can get in touch with Chubb by:

Calling 1800 952 3579 am - 5 pm
Emailing qikioservice@chubb.com

You can find the Product Disclosure Statement (PDS) which outlines our Contents cover here.

You can get in touch with Qikio, if you need to discuss any of the following:

  • the Qikio website
  • any general advice provided by Qikio;
  • how the insurance was distributed on this website;
  • Qikio branding, advertising and promotion of Qikio products;
  • our Qikio representatives, employees and associated partners.

Contact Qikio by

Calling 1300 459 3469 am - 5 pm
Emailing help@qikio.com
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