What happens if I lose an insured item away from home?
Contents items are not covered when lost away from home. However, you can add personal valuables cover to your policy as an Optional Cover for an extra premium. This will cover you for loss of these items up to the insured amount if they are lost within Australia and New Zealand.
Apia will cover your contents when in transit (i.e. if you are moving home and they are damaged by fire, flood or a collision involving the vehicle that is carrying them. We will also cover contents in commercial storage.