With Youi contents insurance you can have optional Contents Accidental Loss Or Damage cover which covers your contents on the home, away, and on the road. Few exclusions so read the PDS.

NRMA, full cover for all your gear.

Thread hijack now...

tips for business insurance for me as essentially a tradie but I have other peoples gear at my workshop?

quotes are horrific

i can't understand why business contents insurance is 6x the cost of home for about 1/3 of the value. Nor why the public liability component is so cheap! I can't afford to insure against fire or burglary but it's cheap to have $10mil cover for dumb sh!t I might go
that's weird!

Mark _australia said..
Thread hijack now...

tips for business insurance for me as essentially a tradie but I have other peoples gear at my workshop?

quotes are horrific

i can't understand why business contents insurance is 6x the cost of home for about 1/3 of the value. Nor why the public liability component is so cheap! I can't afford to insure against fire or burglary but it's cheap to have $10mil cover for dumb sh!t I might go
that's weird!

You can leave all your boards at my place

With Geoff on this.

A long time ago and in a different country, I got quotes for business insurance. Just a bit of computer equipment (much less than your stuff) and liability, but it was prohibitively expensive - multiple times the cost of ensuring the entire house. So I ended up not getting business insurance, and saved tens of thousands over the years. I had a similar experience with tax return preparation, where many places would charge a high multiple for a simple business return compared to a personal return of similar complexity.
Interestingly, a friend who is a jeweler recently said that his business insurance is not very expensive (and his store has been cleared out in riots a few years ago). Could be his standards are different, though, since he has to pay 5 figures every month for rent.

I checked nrma, racq, youi and suncorp.

im most likely going to split car (to youi) and home and contents to racq. For contents away from home, which was the point of the thread, Youi's coverage seemed to be the best for what I was chasing but it's expensive. NRMA was more expensive again for similar coverage. Suncorp (computer) hung up on me.m so they are dead to me. RACQ is whom I'll most likely get contents with due to price but I have to list items that are taken out of the home to get extra coverage for those items. That said they are 2/3 the price of the others for what I was chasing

if it helps anyone else I compared apples with apples. Hours of my life I'll never get back.