Personal Effects Insurance

Apply for personal effects insurance.

Beyond Bank can help you protect your valuables from accidental loss or damage when you take them away from home. 

You’ve worked hard for everything you own so it’s worth protecting those possessions you regularly take with you when you leave the house against accidental loss or damage. Personal Effects insurance is an optional cover available, if you have contents cover, for portable items that can be taken away from the home

We can offer you two types of Personal Effects insurance: Specified Personal Effects for items that you specify such as your mobile phone and laptop up to the sum insured. Unspecified Personal Effects provides cover for items like clothing, cameras and sporting equipment up to your choice of sum insured.

Provides additional coverage for many of your portable contents

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  • Covers you for accidental loss or damage anywhere in Australia
  • Covers you for accidental loss or damage and for up to 35 days overseas
  • Protect most smartphones away from home with Personal Effects Cover from an additional $4 per month#

Claim 24 hours a day, seven days a week.

Claim online or by phone on 1300 651 777.

 What is covered?  
Accidental loss of or damage to your portable contents in Australia Yes
Accidental loss of or damage to your portable contents anywhere else in the world Yes (up to 35 days in any one insured period)
Only $100 Excess (Policy No Claim Bonus not affected)  Yes

Unspecified Personal Effects cover for coverage Yes
(Option to select preferred ‘per item’ and ‘per claim’ limits from a list of combinations.) 
Specified Personal Effects cover for specific, listed items  Yes

Types of items covered    Unspecified Personal Effects Option Specified Personal Effects Option
Jewellery  Yes  Yes
Watches     Yes  Yes
Sunglasses/Spectacles  Yes  Yes
Digital/Video Cameras  Yes  Yes
Handbags/Luggage/ Bags Yes   Yes
Musical Instruments  Yes  Yes
MP3 players/iPods  Yes  Yes
Sporting equipment
e.g. golf clubs and bicycles
*Not covered whilst in use.
*Not covered whilst in use.
Audio Devices
e.g. hearing aids
 Yes  Yes
Mobile Phones/Smart Phones  No Yes
Laptops/Tablets   No  Yes
Handheld game consoles   No  Yes
Portable GPS devices   No  Yes
Bluetooth headsets/portable car kits   No  Yes

Fragile glass is excluded from cover.

To make a Personal Effects claim online:

Online, any time

The fastest, easiest way is via the online claim form.

You can submit your Home Insurance claim notification 24 hours a day, 7 days a week, whenever it suits you.

It takes less than 10 minutes to complete the online claim form and once received, a friendly claims consultant will contact you as soon as possible.

Benefits of claiming online:

  • Secure form
  • No phone queues
  • Immediate confirmation number for your reference
  • Submit your Home Insurance claim form 24 hours a day, 7 days a week

Submit your claim to our underwriter via the online claim form.

Over the phone - 24 hours a day, 7 days a week claims hotline. Alternatively, you can call 1300 651 777 and a friendly consultant will take you through the claims process.

Please read this important information.

# Important Information about Personal Effects Cover - Premium amount payable in addition to your home building and/or contents premium. Please refer to your PDS for full terms and conditions.

Beyond Bank Australia Ltd ABN 15 087 651 143 AFSL /Australian Credit License 237856 arranges this insurance as agent of the insurer Allianz Australia Insurance Limited (“Allianz”) ABN 15 000 122 850 AFSL 234708. Neither we nor any of our related companies guarantee the benefits payable under the policies or the repayment of any premium. Personal Effects cover is an optional cover with home contents insurance. Home Insurance is provided by Allianz Australia Insurance Limited (“Allianz”) ABN 15 000 122 850 AFSL 234708. We act as an agent of Allianz in arranging this insurance and not as your agent. PremierCare® is a registered trade mark of Beyond Bank Australia.


When we arrange insurance, we may receive a commission from the insurer. The commission is calculated as a percentage of the premium you pay, not including any taxes or other government charges. The amount of commission varies depending on the type of insurance and will be in the range of 0% to 25%. Commission is only payable on premium actually paid. We may also receive a profit share payment based on the profitability of eligible products in our insurance portfolio. Ask us for more details before we provide you with the services.

Policy benefits and features

Any advice here does not take into account your objectives, financial situation or needs, which you should consider before acting on any of our recommendations. All information regarding the benefits, features or extent of cover provided by any of the policies is provided as a summary only. You should refer to the relevant Product Disclosure Statement (“PDS”)

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