Dennis' dentures in the drink debacle



A few weeks back, his granddaughter Elsie came to stay for the weekend. It looked like a nice day on the water, so he decided to take her out in the boat for a spot of fishing. 

Dennis packed up the rods and bait, filled the esky up with sodas and snacks, and the pair headed out. After an hour or so, they hadn't hooked anything, and Elsie was starting to get a bit bored. Dennis decided this was the perfect time to get the lollies out. 

To cheer Elsie up a bit, he started throwing the lollies up in the air and catching them in his mouth. But then one went down the wrong way and Dennis started to choke. With one almighty cough, he managed to dislodge the lolly, sending it flying over the side of the boat...along with his dentures. 

Luckily, Dennis has our Personal Effects Insurance for his dentures. While we couldn't recover them from the bottom of the Tasman, after a quick chat with our local claims team (and his dentist!), we did manage to give Dennis his smile back.


Australia and New Zealand wide cover for accidental damage, theft or loss of personal effects.
You can choose to have unspecified cover alone, with the choice to add certain specified items if you wish.

Should the worse happen, we will either:
  • repair the item;
  • ​replace the item with an item of the same or similar type and quality;
  • pay you the reasonable cost of repair or replacement up to the Sum Insured; or
  • pay you the Sum Insured for Specified Personal Effects

​Full details on the cover, limits exclusions and options available can be found in ourHome Insurance PDS


If your item is accidentally damaged, lost or stolen we will cover you up to $500 per item and up to $1500 per claim.

This level of cover is ideal for lower value items, like costume jewellery, sporting or leisure equipment, clothing or sunglasses.

You can choose to cover certain specific items that wouldn't otherwise be covered under our Unspecified cover.  All you need to do is describe the item to us and tell us its replacement value. If necessary we may ask for a written valuation or receipt.

This cover is ideal for higher value items like mobile phones, camera's or laptops.​


For more information, please visit