frequently asked questions - home insurance
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Q. Does one direct home insurance cover accidental breakage?
A. Yes. Our building cover includes breakage coverage for glass or mirrors fixed to the building (such as shower bases) or freestanding glassware, crystal, crockery and china - as long as the items were not being used, cleaned or carried at the time.
Q. Does your home insurance include new for old?
A. Yes. Contents cover includes new for old replacement on most contents - ie the full amount required to replace your item at today's prices.
Q. Does one direct home insurance account for inflation?
A. Yes. Every year, we will automatically adjust the value of the property or contents insured to account for inflation.
Q. Do I have to get both building and contents cover?
A. It's entirely up to you - you can choose from building cover, contents cover, or both.
Q. Where can I get all the details about one direct home insurance?
A. The one direct home insurance product disclosure statement (PDF, 196kb) sets out all the terms and conditions of one direct home insurance, and includes explanations and information about applicable limits and exclusions.
Q. How do I make a claim?
A. Please call one of our Dedicated Insurance Specialists on