Compare our contents insurance

 

This table is a summary only and you should refer to your policy wordings for full details, in particular, the base version used in this example may not be the same version as your previous policy.

Unless stated otherwise, the sums in the table are the limits of cover per event.

Our contents insurance policies include

Compared to previous standard NPI Contents product

(note that individual products may vary and that this is a representation)

Contents Plus

Contents Standard

Accidental loss or damage 
If your home is completely destroyed, we'll pay to rebuild your home.
Accidental loss or damage
If your home is completely destroyed, we'll pay to rebuild your home.
Similar
Accidental loss or damage
If your home is completely destroyed, we'll pay to rebuild your home.
Accidental loss or damage
If your home is completely destroyed, we'll pay to rebuild your home.
At your house
Accidental damage anywhere in Samoa 
We'll pay for the accidental damage to your contents anywhere in Samoa.
Accidental damage anywhere in Samoa
We'll pay for the accidental damage to your contents anywhere in Samoa.
Similar
Accidental damage anywhere in Samoa
We'll pay for the accidental damage to your contents anywhere in Samoa.
Up to $1,500
Accidental damage anywhere in Samoa
We'll pay for the accidental damage to your contents anywhere in Samoa.
Mobile phone 
We'll cover your mobile phone if it's damaged, lost or stolen.
Mobile phone
We'll cover your mobile phone if it's damaged, lost or stolen.
Plus - Similar / Standard - Reduced
Mobile phone
We'll cover your mobile phone if it's damaged, lost or stolen.
Up to $1,000
Mobile phone
We'll cover your mobile phone if it's damaged, lost or stolen.
Up to $500
Jewellery - per item 
individual items of jewellery, or sets (for example, earrings) will be covered up to a limit. You need to tell us if you have items worth more than these limits, so we can make sure they're covered. You'll also need to pay extra to cover them.
Jewellery - per item
individual items of jewellery, or sets (for example, earrings) will be covered up to a limit. You need to tell us if you have items worth more than these limits, so we can make sure they're covered. You'll also need to pay extra to cover them.
Plus - Similar / Standard - Reduced
Jewellery - per item
individual items of jewellery, or sets (for example, earrings) will be covered up to a limit. You need to tell us if you have items worth more than these limits, so we can make sure they're covered. You'll also need to pay extra to cover them.
Up to $1,000
Jewellery - per item
individual items of jewellery, or sets (for example, earrings) will be covered up to a limit. You need to tell us if you have items worth more than these limits, so we can make sure they're covered. You'll also need to pay extra to cover them.
Up to $500
Jewellery - total 
This is the most that we'll pay out at any one time, if you make a claim for your unspecified jewellery.
Jewellery - total
This is the most that we'll pay out at any one time, if you make a claim for your unspecified jewellery.
Plus - Similar / Standard - Reduced
Jewellery - total
This is the most that we'll pay out at any one time, if you make a claim for your unspecified jewellery.
Up to $5,000
Jewellery - total
This is the most that we'll pay out at any one time, if you make a claim for your unspecified jewellery.
Up to $2,000
Keys and locks 
We'll organise the replacement of your keys or locks if they're stolen, lost or illegally duplicated, and you won't need to pay an excess.
Keys and locks
We'll organise the replacement of your keys or locks if they're stolen, lost or illegally duplicated, and you won't need to pay an excess.
Plus - Improved / Standard - Similar
Keys and locks
We'll organise the replacement of your keys or locks if they're stolen, lost or illegally duplicated, and you won't need to pay an excess.
Up to $500
Keys and locks
We'll organise the replacement of your keys or locks if they're stolen, lost or illegally duplicated, and you won't need to pay an excess.
Up to $250
Spoiled frozen or refrigerated food 
We'll pay to replace your frozen or refrigerated food if it is spoiled and unsafe to eat because your refrigeration or freezer equipment accidentally stops.
Spoiled frozen or refrigerated food
We'll pay to replace your frozen or refrigerated food if it is spoiled and unsafe to eat because your refrigeration or freezer equipment accidentally stops.
Plus - Similar / Standard - Reduced
Spoiled frozen or refrigerated food
We'll pay to replace your frozen or refrigerated food if it is spoiled and unsafe to eat because your refrigeration or freezer equipment accidentally stops.
Up to $500
Spoiled frozen or refrigerated food
We'll pay to replace your frozen or refrigerated food if it is spoiled and unsafe to eat because your refrigeration or freezer equipment accidentally stops.
Up to $250
Home office equipment 
If you operate a business from your home, we'll cover your home office equipment.
Home office equipment
If you operate a business from your home, we'll cover your home office equipment.
Plus - Improved / Standard - Similar
Home office equipment
If you operate a business from your home, we'll cover your home office equipment.
Up to $5,000
Home office equipment
If you operate a business from your home, we'll cover your home office equipment.
Moving house 
When moving from one house to another, your contents are covered for fire, collision or overturning of the vehicle while in transit. We'll cover your contents at both houses for up to 14 days.
Moving house
When moving from one house to another, your contents are covered for fire, collision or overturning of the vehicle while in transit. We'll cover your contents at both houses for up to 14 days.
Improved
Moving house
When moving from one house to another, your contents are covered for fire, collision or overturning of the vehicle while in transit. We'll cover your contents at both houses for up to 14 days.
Moving house
When moving from one house to another, your contents are covered for fire, collision or overturning of the vehicle while in transit. We'll cover your contents at both houses for up to 14 days.
Liability protection 
If there's an accident which causes damage to someone else's property, we'll cover you for your legal liability.
Liability protection
If there's an accident which causes damage to someone else's property, we'll cover you for your legal liability.
Similar
Liability protection
If there's an accident which causes damage to someone else's property, we'll cover you for your legal liability.
Up to $100,000
Liability protection
If there's an accident which causes damage to someone else's property, we'll cover you for your legal liability.
Up to $100,000
No claims bonus 
If you haven't had a claim with us (or another insurer) during the last year of your insurance, you'll receive a discount on your premium.
No claims bonus
If you haven't had a claim with us (or another insurer) during the last year of your insurance, you'll receive a discount on your premium.
Improved
No claims bonus
If you haven't had a claim with us (or another insurer) during the last year of your insurance, you'll receive a discount on your premium.
No claims bonus
If you haven't had a claim with us (or another insurer) during the last year of your insurance, you'll receive a discount on your premium.
Optional benefits 
Optional benefits
Optional benefits
Optional benefits
Earthquake 
We'll cover the loss or damage to your contents caused by an earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.
Earthquake
We'll cover the loss or damage to your contents caused by an earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.
Similar
Earthquake
We'll cover the loss or damage to your contents caused by an earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.
Earthquake
We'll cover the loss or damage to your contents caused by an earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.
Gale, windstorm, hurricane or cyclone 
We’ll cover the loss or damage to your contents caused by a gale, windstorm, hurricane or cyclone.
Gale, windstorm, hurricane or cyclone
We’ll cover the loss or damage to your contents caused by a gale, windstorm, hurricane or cyclone.
Similar
Gale, windstorm, hurricane or cyclone
We’ll cover the loss or damage to your contents caused by a gale, windstorm, hurricane or cyclone.
Gale, windstorm, hurricane or cyclone
We’ll cover the loss or damage to your contents caused by a gale, windstorm, hurricane or cyclone.

Frequently asked questions

Why are you making these changes?

Our customers deserve to have up-to-date insurance cover that’s easy to understand. Our latest Tower policies are written in plain language so you can easily understand what you’re covered for if you need to make a claim. Simplifying complicated insurance terms with plain language is just the start of how we’re transforming insurance across the Pacific.

Can I choose to stay on my current policy?

No, this policy will no longer be available as we’re phasing out old policies and moving customers to our latest cover. The new product you’re moving to is our closest match to your current policy. However, we also have other options that may suit you better. Compare our latest policies in the table above.

What are some of the benefits of these new policies?

You can see and compare the benefits of each of new policies in the table above.

Our Contents Plus insurance policy provides cover for accidental damage to your items anywhere in Samoa, up to replacement value, as well as other great benefits.

Our Contents Standard insurance policy provides cover for accidental damage to items in your home, up to replacement value, but lower limits on other benefits compared to Contents Plus and is a lower-cost option.

Will my premium change?

Premiums can change every year, depending on a number of different factors. Your premium will be listed in your renewal email and if you have any questions about it, you can find ways to contact us here.

Will my excess change?

The excess is the amount you need to pay toward any loss when you make a claim and it’s approved.

When you move to your new policy, your excess may change and it’s important to check it and make sure it’s right for you.

The amount of excess you choose for your policy will affect the premium you pay - the higher your excess, the cheaper your premium. As well as considering the premium, it’s also important to think about whether you will be able to afford to pay the excess if you happen to have a claim.

Why has my policy number changed?

As you move to our latest Tower cover when your policy renews, you’ll also have a new unique policy number for each of your policies. Remember to use this policy number as your reference when you contact us or make a payment for this policy. You’ll find your policy number on the top right-hand corner of your new insurance documents.

Are my other NPI or Tower policies changing?

We’re phasing out older house, contents and car policies and moving customers to our latest policies ensuring they have the most up-to-date cover. If you have other NPI or Tower policies, we’ll let you know of any changes to each of your policies in a ‘heads up’ email, or in your renewal email.

What do I need to do now?

Please check through your policy documents when they arrive to ensure the information is correct and make sure you are comfortable with all the details.

If you have any questions, please don’t hesitate to contact us, otherwise, you can make your payment for your policy.

What happens when I get my renewal email?

Please make sure you read it carefully and check your details and your excess, as it may have changed.

How can I get more information?

Click here to find out more about the relationship between NPI and Tower and the exciting changes you can expect.

We’re more than happy to answer any questions you may have. Please find ways to contact us here.

Important information: Tower contents policies are underwritten by National Pacific Insurance Limited trading as Tower Insurance.