• Home and Contents Insurance Application Form

  • Please answer all questions with a red asterisk, answers such as N/A may delay processing of this application.  Questions that are preceded with a † contain definitions of terms or explanations when you hover over them.  If you require any assistance, please contact us directly at insurance@delphic.com.au or call us on 1800 DELPHIC.

    NOTE: If you require insurance for your home, and the sum insured is in excess of $2,000,000, or you have significant contents including high value funiture, technology and collections of artwork or jewellery we may have more suitable products available to you. Please contact us directly at insurance@delphic.com.au or by calling 1800 DELPHIC.

  • Personal Information

  • Home & Contents Insurance

  • Is the property

    - used for business purposes other than home office or surgery

    - under construction, reconstruction or renovation

    - in poor condition or poorly maintained

    - currently unoccupied or expected to be unoccupied for more than 90 continuous days

      during the period of cover?

    - under any heritage listing/National Trust listing or order

    - used as a hostel, bed and breakfast or guesthouse

  • Cover Details

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  • As your property is under strata title, you will only be able to insure your contents.

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  • As we intend to provide the best coverage in the unfortuante event of a claim, we seek to provide our clients with the broadest policy wording from the insurers we receive quotations from, and as such we provide quotations for Accidental Damage policies. 

    If you wish to take out a lower level of coverage we ask that you consider how more limited policies may affect your coverage i the event of a claim.

    To assist in making this decision, we have put together some of the key differences between the policies from a couple of insurers.  These are not a comparison guide of a policy you may receive,  and may not reflect the level of cover you have been quoted. 

    It is important that you read the PDS that is provided with your quotation to ascertain the level of coverage and sublimits provided by the policy we provide.  If you have any specific coverage questions, we ask that you direct these questions to your Account Manager.

    Comparison available here

     

  • Construction Details



  • Security Details



  • Building and Contents Sums Insured

  • With a significant number of homeowners in Australia being underinsured we implore you to consider the sum insured for your property. 

    For many, this figure was set many years ago and has increased with annual CPI increases.  The actual cost of raw materials and construction labour costs however has increased considerably more than CPI and therefore if you have not reviewed this figure we suggest you seek professional advice.

    We do have some tools that may assist, however these are to be used only as a guide.  Please visit www.delphicinsurance.com.au/tools and click on the Home Building Calculator option.


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  • Whilst much of the concern is regarding the underinsurance of buildings, underinsurance of contents is also a frequent issue in the event of a claim.  When it comes to estimating the replacement cost of contents, online calculators can be used, however a better (although admittedly more labour and time intensive) method is to record how much it would cost to replace every item in your house. 

    Bear in mind that many items can be overlooked due to their everyday nature including crockery, cutlery, bed linen, books, clothing  and footwear, but these would still have to be replaced in an insured event.  Taking clear pictures and retianing proofs of purchase will also assist in the caluclation of the true cost of your contents, should they be replaced.

    In the absence of undertaking this task, we have provided a tool that may assist, however this is only to be used as a guide.  Please visit www.delphicinsurance.com.au/tools and click on the Home Contents Calculator option.

     


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  • Specified Valuables

    Each policy has a different sublimit for items of value, such as jewellery, artwork, or gold; we therefore ask that you note the most expensive items you have either individually (such as an engagement ring) or as a collection (such as artwork) and the sum insured for the individual or collection. 

    If you have large collections, it may be worthwhile putting together a list and providing it to us.  If the total sum insured for valuable is in excess of 25% of the total contents insured, there may be limitations on some policies and therefore it is important that you spend time considering the sums insured for all such contents.

  • If you have further items, please provide us with a detailed schedule

  • Claims History

  • Duty of Disclosure

  • Home and Contents Insurance Application Form

    Notice and Acknowledgment

  • We draw your attention to the Important Notice accompanying this Application form. You must read the Important Notice carefully. If you do not understand the content of Important Notice, please contact us immediately.

    If any of the statements in this Application form are untrue, and you have suppressed or mis-stated any facts and/or should any information given by you alter between the date of this Application form and the inception date of the insurance to which this Application form relates you must immediately notify us.

    You authorise us to collect or disclose any personal information relating to this insurance to any insurer or insurance reference service. Where you have provided information about another individual (for example, a relative, employee or client), you have or you will make the individual aware of that fact and the section in the Policy on "The way we handle your personal information".

    You agree that you have read and understood this notice by doing any of the following:

    (a) Signing and returning a copy of this form; or

    (b) Providing the information requested and returning the form to us; or

    (c) Providing us with instructions to place the policy.

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