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ING Home and Contents

ING Home and Contents

Budget Direct Home and Contents

Budget Direct Home and Contents

Qantas Home and Contents

Qantas Home and Contents

HCF Home and Contents

HCF Home and Contents

Coles Home and Contents

Coles Home and Contents

COTA Home and Contents

COTA Home and Contents

Over Fifty Home and Contents

Over Fifty Home and Contents

Ozicare Home and Contents

Ozicare Home and Contents

Bank Australia Home and Contents

Bank Australia Home and Contents

Australian Seniors Essential

Australian Seniors Essential

Australian Seniors Top

Australian Seniors Top

Youi Building And Contents

Youi Building And Contents

BOQ Household

BOQ Household

Apia Home and Contents Extra

Apia Home and Contents Extra

Huddle Black

Huddle Black

Bupa Ultimate

Bupa Ultimate

People First Bank Home Buildings and Contents Plus

People First Bank Home Buildings and Contents Plus

AANT Home Buildings and Contents Plus

AANT Home Buildings and Contents Plus

Bendigo Bank Home Buildings and Contents Plus

Bendigo Bank Home Buildings and Contents Plus

Australian Military Bank Home Buildings and Contents Plus

Australian Military Bank Home Buildings and Contents Plus

Bank First Home Buildings and Contents Plus

Bank First Home Buildings and Contents Plus

Bank of us Home Buildings and Contents Plus

Bank of us Home Buildings and Contents Plus

BCU Bank Home Buildings and Contents Plus

BCU Bank Home Buildings and Contents Plus

Coastline Bank Home Buildings and Contents Plus

Coastline Bank Home Buildings and Contents Plus

Defence Bank Home Buildings and Contents Plus

Defence Bank Home Buildings and Contents Plus

Horizon Bank Home Buildings and Contents Plus

Horizon Bank Home Buildings and Contents Plus

MOVE Bank Home Buildings and Contents Plus

MOVE Bank Home Buildings and Contents Plus

MyState Bank Home Buildings and Contents Plus

MyState Bank Home Buildings and Contents Plus

P&N Bank Home Buildings and Contents Plus

P&N Bank Home Buildings and Contents Plus

QBANK Home Buildings and Contents Plus

QBANK Home Buildings and Contents Plus

Queensland Country Bank Home Buildings and Contents Plus

Queensland Country Bank Home Buildings and Contents Plus

The Capricornian Home Buildings and Contents Plus

The Capricornian Home Buildings and Contents Plus

Summerland Bank Home Buildings and Contents Plus

Summerland Bank Home Buildings and Contents Plus

The Mutual Bank Home Buildings and Contents Plus

The Mutual Bank Home Buildings and Contents Plus

NRMA Home Buildings and Contents Plus

NRMA Home Buildings and Contents Plus

RACV Home Buildings and Contents

RACV Home Buildings and Contents

ANZ Home Buildings and Contents

ANZ Home Buildings and Contents

NRMA Home Buildings and Contents Standard

NRMA Home Buildings and Contents Standard

People First Bank Home Buildings and Contents Standard

People First Bank Home Buildings and Contents Standard

Bendigo Bank Home Buildings and Contents Standard

Bendigo Bank Home Buildings and Contents Standard

AANT Home Buildings and Contents Standard

AANT Home Buildings and Contents Standard

BCU Bank Home Buildings and Contents Standard

BCU Bank Home Buildings and Contents Standard

Bank of us Home Buildings and Contents Standard

Bank of us Home Buildings and Contents Standard

Bank First Home Buildings and Contents Standard

Bank First Home Buildings and Contents Standard

Australian Military Bank Home Buildings and Contents Standard

Australian Military Bank Home Buildings and Contents Standard

Queensland Country Bank Home Buildings and Contents Standard

Queensland Country Bank Home Buildings and Contents Standard

QBANK Home Buildings and Contents Standard

QBANK Home Buildings and Contents Standard

P&N Bank Home Buildings and Contents Standard

P&N Bank Home Buildings and Contents Standard

MyState Bank Home Buildings and Contents Standard

MyState Bank Home Buildings and Contents Standard

MOVE Bank Home Buildings and Contents Standard

MOVE Bank Home Buildings and Contents Standard

Horizon Bank Home Buildings and Contents Standard

Horizon Bank Home Buildings and Contents Standard

Defence Bank Home Buildings and Contents Standard

Defence Bank Home Buildings and Contents Standard

Coastline Bank Home Buildings and Contents Standard

Coastline Bank Home Buildings and Contents Standard

The Mutual Bank Home Buildings and Contents Standard

The Mutual Bank Home Buildings and Contents Standard

Summerland Bank Home Buildings and Contents Standard

Summerland Bank Home Buildings and Contents Standard

The Capricornian Home Buildings and Contents Standard

The Capricornian Home Buildings and Contents Standard

CBA Building and Contents Cover Plus

CBA Building and Contents Cover Plus

QBE Home

QBE Home

TIO Territory Home

TIO Territory Home

RACT Home and Contents

RACT Home and Contents

Allianz Home and Contents

Allianz Home and Contents

GIO Classic

GIO Classic

Bank of Melbourne Home and Contents

Bank of Melbourne Home and Contents

BankSA Home and Contents

BankSA Home and Contents

Westpac Home

Westpac Home

St.George Home

St.George Home

Apia Home and Contents

Apia Home and Contents

Sure Home & Contents

Sure Home & Contents

AAMI Home and Contents

AAMI Home and Contents

Suncorp Classic

Suncorp Classic

GIO Classic Extras

GIO Classic Extras

AAMI Complete Replacement Cover

AAMI Complete Replacement Cover

RAC Building, Contents And Personal Valuables

RAC Building, Contents And Personal Valuables

Suncorp Classic Extras

Suncorp Classic Extras

Guild Home Essential

Guild Home Essential

Suncorp Classic Advantages

Suncorp Classic Advantages

Great Southern Bank Home and Contents

Great Southern Bank Home and Contents

Hume Bank Home and Contents

Hume Bank Home and Contents

Aldi Household

Aldi Household

RACQ Household

RACQ Household

RAA Home and Contents

RAA Home and Contents

Kogan Home and Contents

Kogan Home and Contents

NAB Home and Contents

NAB Home and Contents

National Seniors Home and Contents

National Seniors Home and Contents

Guild Home Elite

Guild Home Elite

CBA Building and Contents Cover Classic

CBA Building and Contents Cover Classic

Real Insurance Top

Real Insurance Top

Real Insurance Essential

Real Insurance Essential

Everyday Insurance Comprehensive

Everyday Insurance Comprehensive

GIO Platinum

GIO Platinum

Huddle Comprehensive

Huddle Comprehensive

AHM Comprehensive

AHM Comprehensive

Honey Household

Honey Household

Everyday Insurance Standard

Everyday Insurance Standard

Huddle Basic

Huddle Basic

AHM Basic

AHM Basic

Bupa Comprehensive

Bupa Comprehensive

Bupa Basic

Bupa Basic

Description

Insurer
ING
Budget Direct
Qantas
HCF
Coles
COTA
Over Fifty
Ozicare
Bank Australia
Australian Seniors
Australian Seniors
Youi
BOQ
Apia
Huddle
Bupa
People First Bank
AANT
Bendigo Bank
Australian Military Bank
Bank First
Bank of us
BCU Bank
Coastline Bank
Defence Bank
Horizon Bank
MOVE Bank
MyState Bank
P&N Bank
QBANK
Queensland Country Bank
The Capricornian
Summerland Bank
The Mutual Bank
NRMA
RACV
ANZ
NRMA
People First Bank
Bendigo Bank
AANT
BCU Bank
Bank of us
Bank First
Australian Military Bank
Queensland Country Bank
QBANK
P&N Bank
MyState Bank
MOVE Bank
Horizon Bank
Defence Bank
Coastline Bank
The Mutual Bank
Summerland Bank
The Capricornian
CBA
QBE
TIO
RACT
Allianz
GIO
Bank of Melbourne
BankSA
Westpac
St.George
Apia
Sure
AAMI
Suncorp
GIO
AAMI
RAC
Suncorp
Guild
Suncorp
Great Southern Bank
Hume Bank
Aldi
RACQ
RAA
Kogan
NAB
National Seniors
Guild
CBA
Real Insurance
Real Insurance
Everyday Insurance
GIO
Huddle
AHM
Honey
Everyday Insurance
Huddle
AHM
Bupa
Bupa
Policy
Home and Contents
Home and Contents
Home and Contents
Home and Contents
Home and Contents
Home and Contents
Home and Contents
Home and Contents
Home and Contents
Essential
Top
Building And Contents
Household
Home and Contents Extra
Black
Ultimate
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents
Home Buildings and Contents
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Building and Contents Cover Plus
Home
Territory Home
Home and Contents
Home and Contents
Classic
Home and Contents
Home and Contents
Home
Home
Home and Contents
Home & Contents
Home and Contents
Classic
Classic Extras
Complete Replacement Cover
Building, Contents And Personal Valuables
Classic Extras
Home Essential
Classic Advantages
Home and Contents
Home and Contents
Household
Household
Home and Contents
Home and Contents
Home and Contents
Home and Contents
Home Elite
Building and Contents Cover Classic
Top
Essential
Comprehensive
Platinum
Comprehensive
Comprehensive
Household
Standard
Basic
Basic
Comprehensive
Basic
Provider
Auto & General Insurance Company Limited
Auto & General Insurance Company Limited
Auto & General Insurance Company Limited
Allianz Australia Insurance Limited
Auto & General Insurance Company Limited
Allianz Australia Insurance Limited
Allianz Australia Insurance Limited
Auto & General Insurance Company Limited
Allianz Australia Insurance Limited
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
Youi Pty Ltd
RACQ Insurance Limited
AAI Limited
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Manufacturers of Australia Pty Ltd
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Hollard Insurance Partners Limited
QBE Insurance (Australia) Limited
Allianz Australia Insurance Limited
RACT Insurance Pty Ltd
Allianz Australia Insurance Limited
AAI Limited
Allianz Australia Insurance Limited
Allianz Australia Insurance Limited
Allianz Australia Insurance Limited
Allianz Australia Insurance Limited
AAI Limited
• Liberty Mutual Insurance Company, Australia Branch
• Pacific International Insurance Pty Ltd
• The New India Assurance Co. Ltd
• Chubb Insurance Australia Limited
AAI Limited
AAI Limited
AAI Limited
AAI Limited
RAC Insurance Pty Limited
AAI Limited
Guild Insurance Limited
AAI Limited
Allianz Australia Insurance Limited
Allianz Australia Insurance Limited
RACQ Insurance Limited
RACQ Insurance Limited
Allianz South Australia Insurance Limited
Allianz Australia Insurance Limited
Allianz Australia Insurance Limited
Allianz Australia Insurance Limited
Guild Insurance Limited
Hollard Insurance Partners Limited
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
AAI Limited
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
RACQ Insurance Limited
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
About the insurer
Budget Direct
Coles
Youi
Apia
NRMA
RACV
NRMA
Allianz
GIO
Apia
AAMI
Suncorp
GIO
AAMI
RAC
Suncorp
Suncorp
Aldi
RACQ
RAA
Everyday Insurance
GIO
Everyday Insurance

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Scores

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Customer satisfaction
N/A
58%
42%
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69%
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67%
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59%
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61%
72%
67%
61%
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51%
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55%
55%
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59%
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60%
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55%
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78%
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65%
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51%
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57%
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57%
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Claims satisfaction
N/A
49%
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65%
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69%
67%
52%
69%
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54%
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52%
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65%
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57%
66%
50%
57%
71%
66%
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66%
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88%
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54%
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Comments

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Cover summary

Building cover
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Total building replacement
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Nominate a sum insured for your building
• Nominate a sum insured for your building
• 20% underinsurance safety net
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
• Nominate a sum insured for your building
• 30% underinsurance safety net
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Contents cover
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
• Nominate a sum insured for your contents
• Specify a sum insured for each item worth more than $15000
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
• Nominate a sum insured for your contents
• Specify a sum insured for each item worth more than $10000
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
• Nominate a sum insured for your contents
• 25% underinsurance safety net
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
• Nominate a sum insured for your contents
• 10% underinsurance safety net
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Legal liability
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for anyone living at the insured address
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $30 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $30 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy
• Cover for incidents in Australia
• Up to $30 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for anyone living at the insured address
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia

Cost

Same price to pay monthly
ACT price comparison
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NSW price comparison
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NT price comparison
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North Queensland price comparison
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South Queensland price comparison
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SA price comparison
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Tasmania price comparison
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Victoria price comparison
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WA price comparison
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Covered events

Theft
• Covers loss and damage due to theft and attempted theft
• Up to $1000 for contents in the open air
• Optional cover: up to $150000 for theft by tenants or their visitors
• No cover for theft by you, family members, household members or paying guests
• No cover for theft by someone who enters through part of home that is in the process of construction, alteration, or renovation
• Does not cover theft of cash, cheques or gift cards or other similar financial items where there is no evidence of forced entry to home
• Covers loss and damage due to theft and attempted theft
• Up to $1000 for contents in the open air
• Optional cover: up to $150000 for theft by tenants or their visitors
• No cover for theft by you, family members, household members or paying guests
• No cover for theft by someone who enters through part of home that is in the process of construction, alteration, or renovation
• Does not cover theft of cash, cheques or gift cards or other similar financial items where there is no evidence of forced entry to home
• Covers loss and damage due to theft and attempted theft
• Up to $1000 for contents in the open air
• Optional cover: up to $150000 for theft by tenants or their visitors
• No cover for theft by you, family members, household members or paying guests
• No cover for theft by someone who enters through part of home that is in the process of construction, alteration, or renovation
• Does not cover theft of cash, cheques or gift cards or other similar financial items where there is no evidence of forced entry to home
• Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
• Covers theft by tenants who rent a separate dwelling at the address
• Up to $1000 for replacement locks and cylinders of any external door or window, after theft of key (no excess)
• Up to $500 for security firm attendance fees
• No cover for theft by you or residents
• No cover for theft by people acting with your express or implied consent
• No cover for theft by people employed at the home
• No cover for theft by people you or a resident invite into home
• Covers loss and damage due to theft and attempted theft
• Up to $1000 for contents in the open air
• Optional cover: up to $150000 for theft by tenants or their visitors
• No cover for theft by you, family members, household members or paying guests
• No cover for theft by someone who enters through part of home that is in the process of construction, alteration, or renovation
• Does not cover theft of cash, cheques or gift cards or other similar financial items where there is no evidence of forced entry to home
• Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
• Covers theft by tenants who rent a separate dwelling at the address
• Up to $1000 for replacement locks and cylinders of any external door or window, after theft of key (no excess)
• Up to $500 for security firm attendance fees
• No cover for theft by you or residents
• No cover for theft by people acting with your express or implied consent
• No cover for theft by people employed at the home
• No cover for theft by people you or a resident invite into home
• Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
• Covers theft by tenants who rent a separate dwelling at the address
• Up to $1000 for replacement locks and cylinders of any external door or window, after theft of key (no excess)
• Up to $500 for security firm attendance fees
• No cover for theft by you or residents
• No cover for theft by people acting with your express or implied consent
• No cover for theft by people employed at the home
• No cover for theft by people you or a resident invite into home
• Covers loss and damage due to theft and attempted theft
• Up to $1000 for contents in the open air
• Optional cover: up to $150000 for theft by tenants or their visitors
• No cover for theft by you, family members, household members or paying guests
• No cover for theft by someone who enters through part of home that is in the process of construction, alteration, or renovation
• Does not cover theft of cash, cheques or gift cards or other similar financial items where there is no evidence of forced entry to home
• Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
• Covers theft by tenants who rent a separate dwelling at the address
• Up to $1000 for replacement locks and cylinders of any external door or window, after theft of key (no excess)
• Up to $500 for security firm attendance fees
• No cover for theft by you or residents
• No cover for theft by people acting with your express or implied consent
• No cover for theft by people employed at the home
• No cover for theft by people you or a resident invite into home
• Covered
• Up to $500 for cost of replacing locks, after theft where key to external door is stolen
• No cover for theft by residents
• No cover for theft by people at the site with consent of you or a resident
• No cover for theft from homes not sufficiently furnished for normal living purposes
• No cover where building security has been compromised due works being carried out
• No cover for theft or attempted theft out of or in connection with any business, profession or occupation
• Does not cover theft of cash; credit, debit, credit or debit cards; negotiable or negotiable instruments; or travel or other tickets from the open air
• Does not cover theft of cash, credit or debit cards or negotiable or negotiable instruments including coupons or gift cards from the open air
• Does not cover theft of pagers, computers, mobile phones or photographic equipment or any accessories from the open air
• Does not cover theft of tools of trade, instruments or equipment from the open air
• Covered
• Up to $1000 for cost of replacing locks, after theft where key to external door is stolen
• No cover for theft by residents
• No cover for theft by people at the site with consent of you or a resident
• No cover for theft from homes not sufficiently furnished for normal living purposes
• No cover where building security has been compromised due works being carried out
• No cover for theft or attempted theft out of or in connection with any business, profession or occupation
• Does not cover theft of cash; credit, debit, credit or debit cards; negotiable or negotiable instruments; or travel or other tickets from the open air
• Does not cover theft of cash, credit or debit cards or negotiable or negotiable instruments including coupons or gift cards from the open air
• Does not cover theft of pagers, computers, mobile phones or photographic equipment or any accessories from the open air
• Does not cover theft of tools of trade, instruments or equipment from the open air
• Covers loss and damage due to theft, attempted theft and burglary
• Covers theft by people carrying out a commercial service
• Up to $1000 for cost of replacing locks and keys to external doors or windows, after theft of keys ($100 excess if only claiming this)
• No cover theft by deception
• No cover for theft by you or residents
• No cover for theft by people allowed onto premises by you, your tenant, or someone who had your or your tenant's authority to do so
• Covers theft and attempted theft by people who enter home without your consent
• Up to $1000 for costs to re-key or recode or replace locks on external doors, after theft of keys and smart lock access toggles or devices (no excess)
• Up to $500 for contents in the open air
• No cover for theft by tenants, if you have not told insurer home is being rented out
• No cover for theft by people who enter home with express or implied consent of the you, residents, tenants, or people you told could invite people to the home
• Does not cover theft of cash, gift cards or travellers cheques if thief enters home through an open or unlocked door, window or skylight
• Included under accidental damage cover
• No cover for theft by you or residents
• No cover for theft by people who enter the address with consent of you or someone with authority to allow them access
• No cover for theft by people who enter or leave through an unlockable part of home that's under construction
• No cover for theft or loss of contents or proceeds of sale by people authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale due to bankruptcy or insolvency or person authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale when you, or a person you authorised, sell them online
• Covers loss and damage due to theft and attempted theft
• Up to $5000 for loss or theft of funds if card used fraudulently, after loss or theft of credit or financial transaction card from home
• Up to $1500 for cost of replacing locks, after theft where key to external door is stolen
• No cover for theft by residents
• No cover for theft by people at the site with consent of you or a resident
• No cover where building security has been compromised due works being carried out
• No cover for theft or attempted theft out of or in connection with any business, profession or occupation
• Does not cover theft of cash, gift vouchers or travel or other tickets from the open air
• Does not cover theft of computers, mobile phones or photographic equipment or any accessories from the open air
• Does not cover theft of tools of trade, instruments or equipment from the open air
• Covers loss and damage due to theft and attempted theft
• Up to $5000 for loss or theft of funds if card used fraudulently, after loss or theft of credit or financial transaction card from home
• Up to $1500 for cost of replacing locks, after theft where key to external door is stolen
• No cover for theft by residents
• No cover for theft by people at the site with consent of you or a resident
• No cover where building security has been compromised due works being carried out
• No cover for theft or attempted theft out of or in connection with any business, profession or occupation
• Does not cover theft of cash, gift vouchers or travel or other tickets from the open air
• Does not cover theft of computers, mobile phones or photographic equipment or any accessories from the open air
• Does not cover theft of tools of trade, instruments or equipment from the open air
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to replace keys to your home and the lock barrels they operate, after theft of keys to external lock during a theft at the site
• Up to $1000 for any cost you must pay to a credit card organisation if your card is stolen from your home and used without your consent
• No cover for theft by you or residents
• No cover for theft by people who enter site with consent of you or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers costs to repair or replace and recode keys, locks, barrels, fobs and keypads, after loss or theft of keys or access codes to external doors or window locks (no excess)
• No cover for theft by you, your family or residents
• No cover for theft by people who enter site with consent of you, your family or a resident
• Covers loss and damage due to theft and attempted theft
• Covers cost of replacing related locks, after theft where key to external door is stolen
• No cover for theft by residents
• No cover for theft by people at the address with consent of you or a resident
• No cover for theft from homes not sufficiently furnished for normal residential purposes
• No cover where building security has been compromised due works being carried out
• No cover for theft or attempted theft out of or in connection with any business, profession or occupation
• Covers loss and damage due to theft, burglary, attempted theft and attempted burglary
• Up to $2500 for re-keying or replacing locks, after theft of keys within Australia (no excess)
• Up to $1250 for cost of security firm attendance responding to monitored alarm (limit one claim per year), after burglary and attempted burglary
• Up to $500 for additional security measures (to be installed within 30 days of claim acceptance), after burglary with forced entry that damages property
• Accidental damage option covers up to $8000 contents in the open air (Sublimit removed if you buy accidental damage option. No sublimit applies to outdoor furniture, barbecues and above ground pools.)
• Accidental damage option covers cash, vouchers, coupons, gift cards, money orders and negotiable financial documents, after burglary when there is forcible entry into the home involving actual or threatened violence to a person and or that causes damage to building
• Accidental damage or portable contents options cover mobile phones, portable electronic items, unattended jewellery and watches in the open air or in an unlocked vehicle, caravan or trailer in the open air at the address
• No cover for theft by you or your family
• No cover for theft by people with the consent of you or your family; or people on the property with the consent of you, your family or agent
• Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
• Covers theft by tenants who rent a separate dwelling at the address
• Up to $1000 for replacement locks and cylinders of any external door or window, after theft of key (no excess)
• Up to $500 for cost of security firm callout in response to monitored alarm signal
• No cover for theft by you or residents
• No cover for theft by people acting with your express or implied consent
• No cover for theft by people employed at the home
• No cover for theft by people you or a resident invite into home
• Covers loss and damage due to theft, burglary and attempt to commit theft or burglary
• Covers costs to replace or recode keys, remotes, transponders and locks to external doors and windows, after theft of keys from address
• Up to $1000 for keys and locks, after theft of keys when away from address
• No cover for theft by you or residents
• No cover for theft by people who enter address with consent of you or a resident
• No cover for theft by people who enter or leave through an open or unfinished wall, roof, door or window, even if it was temporarily secured or covered
• Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
• Up to $2000 for replacement locks and cylinders of any external door or window, after theft of key (no excess)
• Up to $500 for cost of security service responding to monitored alarm signal
• No cover for theft by you or residents
• No cover for theft by people acting with your express or implied consent
• No cover for theft by people employed at the home, or their invitees
• No cover for theft by people you or a resident invites into the home
• Covers loss and damage caused by thieves and burglars
• No cover for theft by you or residents
• No cover for theft by people who enter the address with consent of you or someone with authority to allow them access
• No cover for theft by people who enter or leave through an unlockable part of home that's under construction
• No cover for theft or loss of contents or proceeds of sale by people authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale due to bankruptcy or insolvency or person authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale when you, or a person you authorised, sell them online
• Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
• Covers theft by tenants who rent a separate dwelling at the address
• Up to $1000 for replacement locks and cylinders of any external door or window, after theft of key (no excess)
• Up to $500 for security firm attendance fees
• No cover for theft by you or residents
• No cover for theft by people acting with your express or implied consent
• No cover for theft by people employed at the home
• No cover for theft by people you or a resident invite into home
• Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
• Covers theft by tenants who rent a separate dwelling at the address
• Up to $1000 for replacement locks and cylinders of any external door or window, after theft of key (no excess)
• Up to $500 for security firm attendance fees
• No cover for theft by you or residents
• No cover for theft by people acting with your express or implied consent
• No cover for theft by people employed at the home
• No cover for theft by people you or a resident invite into home
• Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
• Covers theft by tenants who rent a separate dwelling at the address
• Up to $1000 for replacement locks and cylinders of any external door or window, after theft of key (no excess)
• Up to $500 for security firm attendance fees
• No cover for theft by you or residents
• No cover for theft by people acting with your express or implied consent
• No cover for theft by people employed at the home
• No cover for theft by people you or a resident invite into home
• Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
• Covers theft by tenants who rent a separate dwelling at the address
• Up to $1000 for replacement locks and cylinders of any external door or window, after theft of key (no excess)
• Up to $500 for security firm attendance fees
• No cover for theft by you or residents
• No cover for theft by people acting with your express or implied consent
• No cover for theft by people employed at the home
• No cover for theft by people you or a resident invite into home
• Covers loss and damage caused by thieves and burglars
• No cover for theft by you or residents
• No cover for theft by people who enter the address with consent of you or someone with authority to allow them access
• No cover for theft by people who enter or leave through an unlockable part of home that's under construction
• No cover for theft or loss of contents or proceeds of sale by people authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale due to bankruptcy or insolvency or person authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale when you, or a person you authorised, sell them online
• Covers loss and damage due to burglary, theft and attempted theft
• Covers burglary and theft by tenants and their guests ($2000 additional excess)
• Up to $1000 for theft of your money and your financial liability, after loss or theft of credit or ATM card anywhere in Australia
• Up to $1000 for cost to re-barrel or change locks and key codes, after loss or theft of an external door key, or a key that records your address or any other identifying information and anywhere in Australia (no excess)
• Up to $500 for accessories, parts and keys for vehicles, caravans, watercraft or trailers (must be inside home), after theft resulting from violent and forcible entry into home
• No cover for theft by you or permanent or temporary residents
• No cover for theft by people who, without violence or forced entry, enter home with your express or implied consent
• Covers loss and damage caused by thieves and burglars
• No cover for theft by you or residents
• No cover for theft by people who enter the address with consent of you or someone with authority to allow them access
• No cover for theft by people who enter or leave through an unlockable part of home that's under construction
• No cover for theft or loss of contents or proceeds of sale by people authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale due to bankruptcy or insolvency or person authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale when you, or a person you authorised, sell them online
• Covers loss and damage caused by thieves and burglars
• No cover for theft by you or residents
• No cover for theft by people who enter the address with consent of you or someone with authority to allow them access
• No cover for theft by people who enter or leave through an unlockable part of home that's under construction
• No cover for theft or loss of contents or proceeds of sale by people authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale due to bankruptcy or insolvency or person authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale when you, or a person you authorised, sell them online
• Covers loss and damage caused by thieves and burglars
• No cover for theft by you or residents
• No cover for theft by people who enter the address with consent of you or someone with authority to allow them access
• No cover for theft by people who enter or leave through an unlockable part of home that's under construction
• No cover for theft or loss of contents or proceeds of sale by people authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale due to bankruptcy or insolvency or person authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale when you, or a person you authorised, sell them online
• Covers loss and damage caused by thieves and burglars
• No cover for theft by you or residents
• No cover for theft by people who enter the address with consent of you or someone with authority to allow them access
• No cover for theft by people who enter or leave through an unlockable part of home that's under construction
• No cover for theft or loss of contents or proceeds of sale by people authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale due to bankruptcy or insolvency or person authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale when you, or a person you authorised, sell them online
• Covers loss and damage due to theft and attempted theft
• Up to 20% contents sum insured for contents in the open air
• Up to $800 for cost to re-code or re-key external door and window locks, after loss or theft of keys in a theft at your building
• Up to $500 for contents stolen when your building is for sale and while it is open for inspection by a licensed real estate agent
• Up to $200 for cash and negotiable instruments
• No cover for theft by you, your family or tenants
• No cover for theft by people authorised by you or a resident to enter site
• No cover for theft or attempted theft which occurs during renovations, or in connection with renovations being carried out on your building
• Does not cover contents whilst being lent to a third party
• Covers loss and damage caused by thieves and burglars
• No cover for theft by you or residents
• No cover for theft by people who enter the address with consent of you or someone with authority to allow them access
• No cover for theft by people who enter or leave through an unlockable part of home that's under construction
• No cover for theft or loss of contents or proceeds of sale by people authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale due to bankruptcy or insolvency or person authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale when you, or a person you authorised, sell them online
• Covers loss and damage due to theft, attempted theft, burglary and housebreaking
• Up to $2500 for contents in the open air
• Up to $2500 for cost of security firm attendance in response to monitored alarm signal
• Up to $2500 for cost of re-keying or replacing (whichever is cheaper) locks and cylinders on external doors and windows, after theft of keys from home
• Up to $500 for handbags and wallets plus their contents, after theft while being carried by you anywhere in Australia ($100 excess)
• Up to $200 for cash and negotiable documents in handbags and wallets (part of $500 total sublimit)
• No cover for theft by residents or tenants and their family
• Does not cover theft of fixtures, fittings or building materials awaiting installation from the open air or a building not capable of being locked
• Covers loss and damage caused by thieves and burglars
• No cover for theft by you or residents
• No cover for theft by people who enter the address with consent of you or someone with authority to allow them access
• No cover for theft by people who enter or leave through an unlockable part of home that's under construction
• No cover for theft or loss of contents or proceeds of sale by people authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale due to bankruptcy or insolvency or person authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale when you, or a person you authorised, sell them online
• Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
• Covers theft by tenants who rent a separate dwelling at the address
• Up to $1000 for replacement locks and cylinders of any external door or window, after theft of key (no excess)
• Up to $500 for security firm attendance fees
• No cover for theft by you or residents
• No cover for theft by people acting with your express or implied consent
• No cover for theft by people employed at the home
• No cover for theft by people you or a resident invite into home
• Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
• Covers theft by tenants who rent a separate dwelling at the address
• Up to $1000 for replacement locks and cylinders of any external door or window, after theft of key (no excess)
• Up to $500 for security firm attendance fees
• No cover for theft by you or residents
• No cover for theft by people acting with your express or implied consent
• No cover for theft by people employed at the home
• No cover for theft by people you or a resident invite into home
• Covers theft and attempted theft by people who enter home without your consent
• Up to $1000 for costs to re-key or recode or replace locks on external doors, after theft of keys and smart lock access toggles or devices (no excess)
• Up to $500 for contents in the open air
• No cover for theft by tenants, if you have not told insurer home is being rented out
• No cover for theft by people who enter home with express or implied consent of the you, residents, tenants, or people you told could invite people to the home
• Does not cover theft of cash, gift cards or travellers cheques if thief enters home through an open or unlocked door, window or skylight
• Covers theft and attempted theft by people who enter home without your consent
• Up to 15% contents sum insured for theft by tenants
• Up to $1000 for costs to re-key or recode or replace locks on external doors, after theft of keys and smart lock access toggles or devices (no excess)
• Up to $500 for contents in the open air
• No cover for theft by tenants, if you have not told insurer home is being rented out
• No cover for theft by people who enter home with express or implied consent of the you, residents, tenants, or people you told could invite people to the home
• Does not cover theft of cash, gift cards or travellers cheques if thief enters home through an open or unlocked door, window or skylight
• Covers loss and damage due to theft, burglary and attempted theft
• Up to $1000 for misuse of credit or ATM cards and theft of money from your bank account, after theft or loss of card in anywhere Australia
• Up to $1000 for costs to change key codes and costs to re-barrel or replace locks, after theft or loss of key to external door and if keys had address or identifying information with them
• Up to $500 for keys, spare parts and unattached accessories for vehicles, caravans, watercraft or trailers (must be in the home), after theft resulting from violent and forcible entry into home
• No cover for theft by you, residents or guests
• No cover for theft by people who enter home without violent or forcible entry, with express or implied consent of you, your guest or a resident
• No cover if home has been unoccupied for more than 90 consecutive days
• No cover while home is being reconstructed or renovated, involving the removal of or interference with all or part of the roof or an external wall
• 48 hour waiting period for theft
• Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
• Covers theft by tenants who rent a separate dwelling at the address
• Up to $1000 for replacement locks and cylinders of any external door or window, after theft of key (no excess)
• Up to $500 for security firm attendance fees
• No cover for theft by you or residents
• No cover for theft by people acting with your express or implied consent
• No cover for theft by people employed at the home
• No cover for theft by people you or a resident invite into home
• Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
• Covers theft by tenants who rent a separate dwelling at the address
• Up to $1000 for replacement locks and cylinders of any external door or window, after theft of key (no excess)
• Up to $500 for security firm attendance fees
• No cover for theft by you or residents
• No cover for theft by people acting with your express or implied consent
• No cover for theft by people employed at the home
• No cover for theft by people you or a resident invite into home
• Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
• Covers theft by tenants who rent a separate dwelling at the address
• Up to $1000 for replacement locks and cylinders of any external door or window, after theft of key (no excess)
• Up to $500 for security firm attendance fees
• No cover for theft by you or residents
• No cover for theft by people acting with your express or implied consent
• No cover for theft by people employed at the home
• No cover for theft by people you or a resident invite into home
• Included under accidental damage cover
• Up to $5000 for contents in the open air
• Up to $5000 for cost of security firm attendance in response to monitored alarm signal
• Up to $2500 for cost of re-keying or replacing (whichever is cheaper) locks and cylinders on external doors and windows, after theft of keys from home
• No cover for theft by residents or tenants and their family
• Does not cover theft of fixtures, fittings or building materials awaiting installation from the open air or a building not capable of being locked
• Covers loss and damage due to theft and attempted theft
• Up to $500 for cost of replacing related locks, after theft where key to external door is stolen
• No cover for theft by residents
• No cover for theft by people at the address with consent of you or a resident
• No cover for theft from homes not sufficiently furnished for normal residential purposes
• No cover where building security has been compromised due works being carried out
• No cover for theft or attempted theft out of or in connection with any business, profession or occupation
• Covered
• Up to $1000 for cost of replacing locks, after theft where key to external door is stolen
• No cover for theft by residents
• No cover for theft by people at the site with consent of you or a resident
• No cover for theft from homes not sufficiently furnished for normal living purposes
• No cover where building security has been compromised due works being carried out
• No cover for theft or attempted theft out of or in connection with any business, profession or occupation
• Does not cover theft of cash; credit, debit, credit or debit cards; negotiable or negotiable instruments; or travel or other tickets from the open air
• Does not cover theft of cash, credit or debit cards or negotiable or negotiable instruments including coupons or gift cards from the open air
• Does not cover theft of pagers, computers, mobile phones or photographic equipment or any accessories from the open air
• Does not cover theft of tools of trade, instruments or equipment from the open air
• Covered
• Up to $500 for cost of replacing locks, after theft where key to external door is stolen
• No cover for theft by residents
• No cover for theft by people at the site with consent of you or a resident
• No cover for theft from homes not sufficiently furnished for normal living purposes
• No cover where building security has been compromised due works being carried out
• No cover for theft or attempted theft out of or in connection with any business, profession or occupation
• Does not cover theft of cash; credit, debit, credit or debit cards; negotiable or negotiable instruments; or travel or other tickets from the open air
• Does not cover theft of cash, credit or debit cards or negotiable or negotiable instruments including coupons or gift cards from the open air
• Does not cover theft of pagers, computers, mobile phones or photographic equipment or any accessories from the open air
• Does not cover theft of tools of trade, instruments or equipment from the open air
• Covered
• Up to $500 for cost of replacing locks, after theft where key to external door is stolen
• No cover for theft by residents
• No cover for theft by people at the site with consent of you or a resident
• No cover for theft from homes not sufficiently furnished for normal living purposes
• No cover where building security has been compromised due works being carried out
• No cover for theft or attempted theft out of or in connection with any business, profession or occupation
• Does not cover theft of cash; credit, debit, credit or debit cards; negotiable or negotiable instruments; or travel or other tickets from the open air
• Does not cover theft of cash, credit or debit cards or negotiable or negotiable instruments including coupons or gift cards from the open air
• Does not cover theft of pagers, computers, mobile phones or photographic equipment or any accessories from the open air
• Does not cover theft of tools of trade, instruments or equipment from the open air
• Covers loss and damage caused by thieves and burglars
• No cover for theft by you or residents
• No cover for theft by people who enter the address with consent of you or someone with authority to allow them access
• No cover for theft by people who enter or leave through an unlockable part of home that's under construction
• No cover for theft or loss of contents or proceeds of sale by people authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale due to bankruptcy or insolvency or person authorised to offer your items for sale
• No cover for theft or loss of contents or proceeds of sale when you, or a person you authorised, sell them online
• Covers loss and damage due to theft and attempted theft
• Up to $5000 for loss or theft of funds if card used fraudulently, after loss or theft of credit or financial transaction card from home
• Up to $1500 for cost of replacing locks, after theft where key to external door is stolen
• No cover for theft by residents
• No cover for theft by people at the site with consent of you or a resident
• No cover where building security has been compromised due works being carried out
• No cover for theft or attempted theft out of or in connection with any business, profession or occupation
• Does not cover theft of cash, gift vouchers or travel or other tickets from the open air
• Does not cover theft of computers, mobile phones or photographic equipment or any accessories from the open air
• Does not cover theft of tools of trade, instruments or equipment from the open air
• Covers loss and damage due to theft and attempted theft
• Up to $5000 for loss or theft of funds if card used fraudulently, after loss or theft of credit or financial transaction card from home
• Up to $1500 for cost of replacing locks, after theft where key to external door is stolen
• No cover for theft by residents
• No cover for theft by people at the site with consent of you or a resident
• No cover where building security has been compromised due works being carried out
• No cover for theft or attempted theft out of or in connection with any business, profession or occupation
• Does not cover theft of cash, gift vouchers or travel or other tickets from the open air
• Does not cover theft of computers, mobile phones or photographic equipment or any accessories from the open air
• Does not cover theft of tools of trade, instruments or equipment from the open air
• Covers theft and attempted theft by people who enter home without your consent
• Up to $1000 for costs to re-key or recode or replace locks on external doors, after theft of keys and smart lock access toggles or devices (no excess)
• Up to $500 for contents in the open air
• No cover for theft by tenants, if you have not told insurer home is being rented out
• No cover for theft by people who enter home with express or implied consent of the you, residents, tenants, or people you told could invite people to the home
• Does not cover theft of cash, gift cards or travellers cheques if thief enters home through an open or unlocked door, window or skylight
• Covered
• Up to $1000 for cost of replacing locks, after theft where key to external door is stolen
• No cover for theft by residents
• No cover for theft by people at the site with consent of you or a resident
• No cover for theft from homes not sufficiently furnished for normal living purposes
• No cover where building security has been compromised due works being carried out
• No cover for theft or attempted theft out of or in connection with any business, profession or occupation
• Does not cover theft of cash; credit, debit, credit or debit cards; negotiable or negotiable instruments; or travel or other tickets from the open air
• Does not cover theft of cash, credit or debit cards or negotiable or negotiable instruments including coupons or gift cards from the open air
• Does not cover theft of pagers, computers, mobile phones or photographic equipment or any accessories from the open air
• Does not cover theft of tools of trade, instruments or equipment from the open air
• Covers loss and damage due to theft and attempted theft
• Up to $2500 for loss or theft of funds if card used fraudulently, after loss or theft of credit or financial transaction card from home
• Up to $750 for cost of replacing locks, after theft where key to external door is stolen
• No cover for theft by residents
• No cover for theft by people at the site with consent of you or a resident
• No cover where building security has been compromised due works being carried out
• No cover for theft or attempted theft out of or in connection with any business, profession or occupation
• Does not cover theft of cash, gift vouchers or travel or other tickets from the open air
• Does not cover theft of computers, mobile phones or photographic equipment or any accessories from the open air
• Does not cover theft of tools of trade, instruments or equipment from the open air
• Covers loss and damage due to theft and attempted theft
• Up to $2500 for loss or theft of funds if card used fraudulently, after loss or theft of credit or financial transaction card from home
• Up to $750 for cost of replacing locks, after theft where key to external door is stolen
• No cover for theft by residents
• No cover for theft by people at the site with consent of you or a resident
• No cover where building security has been compromised due works being carried out
• No cover for theft or attempted theft out of or in connection with any business, profession or occupation
• Does not cover theft of cash, gift vouchers or travel or other tickets from the open air
• Does not cover theft of computers, mobile phones or photographic equipment or any accessories from the open air
• Does not cover theft of tools of trade, instruments or equipment from the open air
• Covers loss and damage due to theft and attempted theft
• Up to $5000 for loss or theft of funds if card used fraudulently, after loss or theft of credit or financial transaction card from home
• Up to $1500 for cost of replacing locks, after theft where key to external door is stolen
• No cover for theft by residents
• No cover for theft by people at the site with consent of you or a resident
• No cover where building security has been compromised due works being carried out
• No cover for theft or attempted theft out of or in connection with any business, profession or occupation
• Does not cover theft of cash, gift vouchers or travel or other tickets from the open air
• Does not cover theft of computers, mobile phones or photographic equipment or any accessories from the open air
• Does not cover theft of tools of trade, instruments or equipment from the open air
• Covers loss and damage due to theft and attempted theft
• Up to $2500 for loss or theft of funds if card used fraudulently, after loss or theft of credit or financial transaction card from home
• Up to $750 for cost of replacing locks, after theft where key to external door is stolen
• No cover for theft by residents
• No cover for theft by people at the site with consent of you or a resident
• No cover where building security has been compromised due works being carried out
• No cover for theft or attempted theft out of or in connection with any business, profession or occupation
• Does not cover theft of cash, gift vouchers or travel or other tickets from the open air
• Does not cover theft of computers, mobile phones or photographic equipment or any accessories from the open air
• Does not cover theft of tools of trade, instruments or equipment from the open air
Fire
• Covers fire, bushfire and grassfire
• Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
• Accidental damage option adds cover for heat, ash, soot, smoke from fire over 100m from address
• No cover for heat, ash, soot, smoke from fireplace/fire pit
• No cover for scorching or melting where there is no flame or scorch or burn marks caused by cigars, cigarettes or pipes
• No cover for items usually exposed to heat, ash, soot, smoke, and being used normally over time
• 72 hour waiting period for bushfire and grassfire
• Covers fire, bushfire and grassfire
• Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
• Accidental damage option adds cover for heat, ash, soot, smoke from fire over 100m from address
• No cover for heat, ash, soot, smoke from fireplace/fire pit
• No cover for scorching or melting where there is no flame or scorch or burn marks caused by cigars, cigarettes or pipes
• No cover for items usually exposed to heat, ash, soot, smoke, and being used normally over time
• 72 hour waiting period for bushfire and grassfire
• Covers fire, bushfire and grassfire
• Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
• Accidental damage option adds cover for heat, ash, soot, smoke from fire over 100m from address
• No cover for heat, ash, soot, smoke from fireplace/fire pit
• No cover for scorching or melting where there is no flame or scorch or burn marks caused by cigars, cigarettes or pipes
• No cover for items usually exposed to heat, ash, soot, smoke, and being used normally over time
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• Also covers damage caused by smoke
• Accidental damage option adds cover for scorching and/or melting
• No cover for scorching and/or melting not the direct result of fire
• No cover for damage arising gradually out of repeated exposure to fire or smoke
• No cover for items designed to be exposed to heat during normal use
• 72 hour waiting period for bushfire and grassfire
• Covers fire, bushfire and grassfire
• Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
• Accidental damage option adds cover for heat, ash, soot, smoke from fire over 100m from address
• No cover for heat, ash, soot, smoke from fireplace/fire pit
• No cover for scorching or melting where there is no flame or scorch or burn marks caused by cigars, cigarettes or pipes
• No cover for items usually exposed to heat, ash, soot, smoke, and being used normally over time
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• Also covers damage caused by smoke
• Accidental damage option adds cover for scorching and/or melting
• No cover for scorching and/or melting not the direct result of fire
• No cover for damage arising gradually out of repeated exposure to fire or smoke
• No cover for items designed to be exposed to heat during normal use
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• Also covers damage caused by smoke
• Accidental damage option adds cover for scorching and/or melting
• No cover for scorching and/or melting not the direct result of fire
• No cover for damage arising gradually out of repeated exposure to fire or smoke
• No cover for items designed to be exposed to heat during normal use
• 72 hour waiting period for bushfire and grassfire
• Covers fire, bushfire and grassfire
• Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
• Accidental damage option adds cover for heat, ash, soot, smoke from fire over 100m from address
• No cover for heat, ash, soot, smoke from fireplace/fire pit
• No cover for scorching or melting where there is no flame or scorch or burn marks caused by cigars, cigarettes or pipes
• No cover for items usually exposed to heat, ash, soot, smoke, and being used normally over time
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• Also covers damage caused by smoke
• Accidental damage option adds cover for scorching and/or melting
• No cover for scorching and/or melting not the direct result of fire
• No cover for damage arising gradually out of repeated exposure to fire or smoke
• No cover for items designed to be exposed to heat during normal use
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for any process involving the application of heat where there is no flame
• No cover for the ignition of mineral spirits or dangerously flammable substances brought on to or kept at the site in quantities which are in breach of statutory regulations
• No cover for heat-resistant items (if they ignite)
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Also covers damage caused by any process involving the application of heat where there is no flame
• No cover for the ignition of mineral spirits or dangerously flammable substances brought on to or kept at the site in quantities which are in breach of statutory regulations
• No cover for heat-resistant items (if they ignite)
• 72 hour waiting period for bushfire
• Covers accidental fire; bushfire and fire caused by mechanical, electrical, electronic breakdown or failure
• Also covers damage caused by soot or smoke from bushfire
• Also covers damage caused by soot or smoke from accidental fire within 100m of building
• No cover for glowing, heat, smouldering, scorching, melting where there is no flame
• 72 hour waiting period for bushfire
• Covers fire, bushfire and grassfire
• Also covers damage caused by smoke or heat from fire within 100m of home
• No cover for smoke or heat when your home or contents did not catch fire (e.g. melting or scorching)
• 72 hour waiting period for bushfire
• Included under accidental damage cover
• Covers fire and bushfire
• Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
• Up to $1000 for cost of replacing water in any storage vessel which has been used to limit the spread of bushfire in your area, or has become contaminated due to the use of fire retardant at the address, and cost to clean fire retardant off the building
• No cover for arcing, scorching, melting, cigarette burns unless fire spreads
• No cover for gradual exposure to fire, heat, ash, soot, smoke due to recurring fires over time
• No cover for pollution or vapour from heater or cooking appliance unless fire spreads
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Up to $750 for fire brigade charges
• No cover for the ignition of mineral spirits or dangerously flammable substances brought on to or kept at the site in quantities which are in breach of statutory regulations
• No cover for heat-resistant items (if they ignite)
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Up to $750 for fire brigade charges
• No cover for the ignition of mineral spirits or dangerously flammable substances brought on to or kept at the site in quantities which are in breach of statutory regulations
• No cover for heat-resistant items (if they ignite)
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• Waiting period length not disclosed in PDS for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured or residents
• Waiting period length not disclosed in PDS for bushfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• Waiting period length not disclosed in PDS for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• No cover for scorching or melting where there is no flame
• No cover for fire started with the intention to cause damage by due to the insured, residents or people at the property with the consent of residents or the insured
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• Accidental damage option adds cover for any process involving the application of heat where there is no flame
• No cover for ignition of mineral spirit or dangerously flammable substance brought onto or kept at the address in quantities which are in breach of statutory regulations or deliberately by residents or someone at the address with consent
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Also covers damage caused by charring, melting and scorching due to heat from a fire
• Also covers damage caused by smoke, ash and soot
• Accidental damage option adds cover for charring, melting and scorching heat generated from an item in the ordinary course of its use
• Up to $500 for emergency services attendance
• No cover for damage to items designed to be exposed to or generate heat, damaged in the ordinary course of its use, where that's the only damage that occurs
• No cover for damage deliberately caused by due to the insured, family members or people with consent of the insured or their family
• Covers fire and bushfire
• Also covers damage caused by smoke
• Accidental damage option adds cover for scorching and/or melting
• No cover for scorching and/or melting not the direct result of fire
• No cover for damage arising gradually out of repeated exposure to fire or smoke
• No cover for items designed to be exposed to heat during normal use
• Covers fire and bushfire
• Also covers damage caused by soot, smoke, heat, ash from fire within 100m of home
• Accidental damage option adds cover for scorching where there is no flame
• No cover for soot, smoke, heat, ash where your house has not caught fire
• No cover for items which by their intended purpose have a fire in them, and and the fire damage is contained to that item
• No cover for homes unoccupied for more than 60 days without insurer approval (bushfire is covered)
• 72 hour waiting period for bushfire
• Covers fire, bushfire and grassfire
• Also covers damage caused by smoke, ash and soot
• Accidental damage option adds cover for scorching and melting
• No cover for gradual exposure to fire or smoke
• No cover for items designed to be exposed to heat
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
• Up to $1000 for cost of replacing water in any storage vessel which has been used to limit the spread of bushfire in your area, or has become contaminated due to the use of fire retardant at the address, and cost to clean fire retardant off the building
• No cover for arcing, scorching, melting, cigarette burns unless fire spreads
• No cover for gradual exposure to fire, heat, ash, soot, smoke due to recurring fires over time
• No cover for pollution or vapour from heater or cooking appliance unless fire spreads
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Also covers damage caused by smoke
• Accidental damage option adds cover for scorching and/or melting
• No cover for scorching and/or melting not the direct result of fire
• No cover for damage arising gradually out of repeated exposure to fire or smoke
• No cover for items designed to be exposed to heat during normal use
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• Also covers damage caused by smoke
• Accidental damage option adds cover for scorching and/or melting
• No cover for scorching and/or melting not the direct result of fire
• No cover for damage arising gradually out of repeated exposure to fire or smoke
• No cover for items designed to be exposed to heat during normal use
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• Also covers damage caused by smoke
• Accidental damage option adds cover for scorching and/or melting
• No cover for scorching and/or melting not the direct result of fire
• No cover for damage arising gradually out of repeated exposure to fire or smoke
• No cover for items designed to be exposed to heat during normal use
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• Also covers damage caused by smoke
• Accidental damage option adds cover for scorching and/or melting
• No cover for scorching and/or melting not the direct result of fire
• No cover for damage arising gradually out of repeated exposure to fire or smoke
• No cover for items designed to be exposed to heat during normal use
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
• Up to $1000 for cost of replacing water in any storage vessel which has been used to limit the spread of bushfire in your area, or has become contaminated due to the use of fire retardant at the address, and cost to clean fire retardant off the building
• No cover for arcing, scorching, melting, cigarette burns unless fire spreads
• No cover for gradual exposure to fire, heat, ash, soot, smoke due to recurring fires over time
• No cover for pollution or vapour from heater or cooking appliance unless fire spreads
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Covers costs incurred extinguishing fire, and preventing or minimising damage and removing fire retardant
• No cover for scorching or heat with no identified source of fire ignition or cigarette/cigar marks or scorching
• No cover for floor coverings damaged by open fire, combustion heaters, pot belly stoves or stoves
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
• Up to $1000 for cost of replacing water in any storage vessel which has been used to limit the spread of bushfire in your area, or has become contaminated due to the use of fire retardant at the address, and cost to clean fire retardant off the building
• No cover for arcing, scorching, melting, cigarette burns unless fire spreads
• No cover for gradual exposure to fire, heat, ash, soot, smoke due to recurring fires over time
• No cover for pollution or vapour from heater or cooking appliance unless fire spreads
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
• Up to $1000 for cost of replacing water in any storage vessel which has been used to limit the spread of bushfire in your area, or has become contaminated due to the use of fire retardant at the address, and cost to clean fire retardant off the building
• No cover for arcing, scorching, melting, cigarette burns unless fire spreads
• No cover for gradual exposure to fire, heat, ash, soot, smoke due to recurring fires over time
• No cover for pollution or vapour from heater or cooking appliance unless fire spreads
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
• Up to $1000 for cost of replacing water in any storage vessel which has been used to limit the spread of bushfire in your area, or has become contaminated due to the use of fire retardant at the address, and cost to clean fire retardant off the building
• No cover for arcing, scorching, melting, cigarette burns unless fire spreads
• No cover for gradual exposure to fire, heat, ash, soot, smoke due to recurring fires over time
• No cover for pollution or vapour from heater or cooking appliance unless fire spreads
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
• Up to $1000 for cost of replacing water in any storage vessel which has been used to limit the spread of bushfire in your area, or has become contaminated due to the use of fire retardant at the address, and cost to clean fire retardant off the building
• No cover for arcing, scorching, melting, cigarette burns unless fire spreads
• No cover for gradual exposure to fire, heat, ash, soot, smoke due to recurring fires over time
• No cover for pollution or vapour from heater or cooking appliance unless fire spreads
• 72 hour waiting period for bushfire
• Covered
• No cover for heat not directly involving fire
• No cover for your building or contents undergoing a process necessarily involving the application of heat
• 48 hour waiting period for bushfire
• Covers fire and bushfire
• Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
• Up to $1000 for cost of replacing water in any storage vessel which has been used to limit the spread of bushfire in your area, or has become contaminated due to the use of fire retardant at the address, and cost to clean fire retardant off the building
• No cover for arcing, scorching, melting, cigarette burns unless fire spreads
• No cover for gradual exposure to fire, heat, ash, soot, smoke due to recurring fires over time
• No cover for pollution or vapour from heater or cooking appliance unless fire spreads
• 72 hour waiting period for bushfire
• Covered
• No cover for scorching, arcing or heat damage that happens without flames
• 48 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
• Up to $1000 for cost of replacing water in any storage vessel which has been used to limit the spread of bushfire in your area, or has become contaminated due to the use of fire retardant at the address, and cost to clean fire retardant off the building
• No cover for arcing, scorching, melting, cigarette burns unless fire spreads
• No cover for gradual exposure to fire, heat, ash, soot, smoke due to recurring fires over time
• No cover for pollution or vapour from heater or cooking appliance unless fire spreads
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Also covers damage caused by smoke
• Accidental damage option adds cover for scorching and/or melting
• No cover for scorching and/or melting not the direct result of fire
• No cover for damage arising gradually out of repeated exposure to fire or smoke
• No cover for items designed to be exposed to heat during normal use
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• Also covers damage caused by smoke
• Accidental damage option adds cover for scorching and/or melting
• No cover for scorching and/or melting not the direct result of fire
• No cover for damage arising gradually out of repeated exposure to fire or smoke
• No cover for items designed to be exposed to heat during normal use
• 72 hour waiting period for bushfire and grassfire
• Covers fire, bushfire and grassfire
• Also covers damage caused by smoke or heat from fire within 100m of home
• No cover for smoke or heat when your home or contents did not catch fire (e.g. melting or scorching)
• 72 hour waiting period for bushfire
• Covers fire, bushfire and grassfire
• Also covers damage caused by smoke or heat from fire within 100m of home
• No cover for smoke or heat when your home or contents did not catch fire (e.g. melting or scorching)
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Also covers damage caused by smoke, scorching, heat
• No cover for damage to floor coverings damaged by open fire, combustion heater, stove
• No cover for scorching/heat where there was no fire, scorching or heat damage where there is no fire or cigarette/cigar marks or scorching
• No cover for gradual exposure to fire, heat, ash, soot, smoke due to recurring incidents over time or gradual exposure to fire, heat, ash, soot and smoke due to recurring incidents of an extended period of time
• No cover for cost of repairing electrical breakdowns or short-circuits
• 48 hour waiting period for bushfire
• Covers fire and bushfire
• Also covers damage caused by smoke
• Accidental damage option adds cover for scorching and/or melting
• No cover for scorching and/or melting not the direct result of fire
• No cover for damage arising gradually out of repeated exposure to fire or smoke
• No cover for items designed to be exposed to heat during normal use
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• Also covers damage caused by smoke
• Accidental damage option adds cover for scorching and/or melting
• No cover for scorching and/or melting not the direct result of fire
• No cover for damage arising gradually out of repeated exposure to fire or smoke
• No cover for items designed to be exposed to heat during normal use
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• Also covers damage caused by smoke
• Accidental damage option adds cover for scorching and/or melting
• No cover for scorching and/or melting not the direct result of fire
• No cover for damage arising gradually out of repeated exposure to fire or smoke
• No cover for items designed to be exposed to heat during normal use
• 72 hour waiting period for bushfire and grassfire
• Included under accidental damage cover
• 48 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• Accidental damage option adds cover for any process involving the application of heat where there is no flame
• No cover for ignition of mineral spirit or dangerously flammable substance brought onto or kept at the address in quantities which are in breach of statutory regulations or deliberately by residents or someone at the address with consent
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Also covers damage caused by any process involving the application of heat where there is no flame
• No cover for the ignition of mineral spirits or dangerously flammable substances brought on to or kept at the site in quantities which are in breach of statutory regulations
• No cover for heat-resistant items (if they ignite)
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• No cover for any process involving the application of heat where there is no flame
• No cover for the ignition of mineral spirits or dangerously flammable substances brought on to or kept at the site in quantities which are in breach of statutory regulations
• No cover for heat-resistant items (if they ignite)
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Also covers damage caused by any process involving the application of heat where there is no flame
• No cover for the ignition of mineral spirits or dangerously flammable substances brought on to or kept at the site in quantities which are in breach of statutory regulations
• No cover for heat-resistant items (if they ignite)
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
• Up to $1000 for cost of replacing water in any storage vessel which has been used to limit the spread of bushfire in your area, or has become contaminated due to the use of fire retardant at the address, and cost to clean fire retardant off the building
• No cover for arcing, scorching, melting, cigarette burns unless fire spreads
• No cover for gradual exposure to fire, heat, ash, soot, smoke due to recurring fires over time
• No cover for pollution or vapour from heater or cooking appliance unless fire spreads
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Also covers damage caused by any process involving the application of heat where there is no flame
• Up to $750 for fire brigade charges
• No cover for the ignition of mineral spirits or dangerously flammable substances brought on to or kept at the site in quantities which are in breach of statutory regulations
• No cover for heat-resistant items (if they ignite)
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Also covers damage caused by any process involving the application of heat where there is no flame
• Up to $750 for fire brigade charges
• No cover for the ignition of mineral spirits or dangerously flammable substances brought on to or kept at the site in quantities which are in breach of statutory regulations
• No cover for heat-resistant items (if they ignite)
• 72 hour waiting period for bushfire
• Covers fire, bushfire and grassfire
• Also covers damage caused by smoke or heat from fire within 100m of home
• No cover for smoke or heat when your home or contents did not catch fire (e.g. melting or scorching)
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• No cover for any process involving the application of heat where there is no flame
• No cover for the ignition of mineral spirits or dangerously flammable substances brought on to or kept at the site in quantities which are in breach of statutory regulations
• No cover for heat-resistant items (if they ignite)
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Up to $500 for fire brigade charges
• No cover for any process involving the application of heat where there is no flame
• No cover for the ignition of mineral spirits or dangerously flammable substances brought on to or kept at the site in quantities which are in breach of statutory regulations
• No cover for heat-resistant items (if they ignite)
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Up to $500 for fire brigade charges
• No cover for any process involving the application of heat where there is no flame
• No cover for the ignition of mineral spirits or dangerously flammable substances brought on to or kept at the site in quantities which are in breach of statutory regulations
• No cover for heat-resistant items (if they ignite)
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Also covers damage caused by any process involving the application of heat where there is no flame
• Up to $750 for fire brigade charges
• No cover for the ignition of mineral spirits or dangerously flammable substances brought on to or kept at the site in quantities which are in breach of statutory regulations
• No cover for heat-resistant items (if they ignite)
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Up to $500 for fire brigade charges
• No cover for any process involving the application of heat where there is no flame
• No cover for the ignition of mineral spirits or dangerously flammable substances brought on to or kept at the site in quantities which are in breach of statutory regulations
• No cover for heat-resistant items (if they ignite)
• 72 hour waiting period for bushfire
Flood
• Optional
• Covered
• No cover for driveways, paths or pavers
• No cover for retaining walls
• No cover for fences or gates that are not in good condition
• No cover for gardens or garden borders
• No cover for jetties, wharves or pontoons
• No cover for swimming pool or spa liners or covers
• No cover for water in swimming pools or spas
• 72 hour waiting period
• Optional
• Covered
• No cover for driveways, paths or pavers
• No cover for retaining walls
• No cover for fences or gates that are not in good condition
• No cover for gardens or garden borders
• No cover for jetties, wharves or pontoons
• No cover for swimming pool or spa liners or covers
• No cover for water in swimming pools or spas
• 72 hour waiting period
• Optional
• Covered
• No cover for driveways, paths or pavers
• No cover for retaining walls
• No cover for fences or gates that are not in good condition
• No cover for gardens or garden borders
• No cover for jetties, wharves or pontoons
• No cover for swimming pool or spa liners or covers
• No cover for water in swimming pools or spas
• 72 hour waiting period
• Covers damage caused by flood, run-off and flood water combined with run-off and/or rainwater
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage or expansion of earth
• No cover for bridges
• No cover for retaining walls
• No cover for gates or fences that aren't well maintained and are in poor condition to the extent that this causes or contributes to the damage
• No cover for trees, shrubs or plants planted in the ground
• No cover for pontoons or jetties
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• 72 hour waiting period
• Optional
• Covered
• No cover for driveways, paths or pavers
• No cover for retaining walls
• No cover for fences or gates that are not in good condition
• No cover for gardens or garden borders
• No cover for jetties, wharves or pontoons
• No cover for swimming pool or spa liners or covers
• No cover for water in swimming pools or spas
• 72 hour waiting period
• Covers damage caused by flood, run-off and flood water combined with run-off and/or rainwater
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage or expansion of earth
• No cover for bridges
• No cover for retaining walls
• No cover for gates or fences that aren't well maintained and are in poor condition to the extent that this causes or contributes to the damage
• No cover for trees, shrubs or plants planted in the ground
• No cover for pontoons or jetties
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• 72 hour waiting period
• Covers damage caused by flood, run-off and flood water combined with run-off and/or rainwater
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage or expansion of earth
• No cover for bridges
• No cover for retaining walls
• No cover for gates or fences that aren't well maintained and are in poor condition to the extent that this causes or contributes to the damage
• No cover for trees, shrubs or plants planted in the ground
• No cover for pontoons or jetties
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• 72 hour waiting period
• Optional
• Covered
• No cover for driveways, paths or pavers
• No cover for retaining walls
• No cover for fences or gates that are not in good condition
• No cover for gardens or garden borders
• No cover for jetties, wharves or pontoons
• No cover for swimming pool or spa liners or covers
• No cover for water in swimming pools or spas
• 72 hour waiting period
• Covers damage caused by flood, run-off and flood water combined with run-off and/or rainwater
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage or expansion of earth
• No cover for bridges
• No cover for retaining walls
• No cover for gates or fences that aren't well maintained and are in poor condition to the extent that this causes or contributes to the damage
• No cover for trees, shrubs or plants planted in the ground
• No cover for pontoons or jetties
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• 72 hour waiting period
• Covered
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if this is the only damage to that part of the home
• Flood excess: greater of $500 or your basic excess
• 72 hour waiting period
• Covered
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if this is the only damage to that part of the home
• Flood excess: greater of $500 or your basic excess
• 72 hour waiting period
• Covered
• Covers damage caused by landslip and subsidence but must occur within 72 hours of flood
• No cover for landslip, subsidence or erosion of occurring over time
• No cover for damage caused by rising damp or seepage
• No cover for retaining walls
• No cover for jetties or pontoons
• No cover for water leaking down the sides or against the sides or underneath damage to in-ground structures
• 72 hour waiting period
• Covers damage caused by flood and water runoff
• Covers damage caused by landslide and subsidence but must be solely caused by and occur within 72 hours of first flood or water runoff damage
• No cover for damage caused by erosion, vibration, any earth movement or earth shrinkage or expansion
• No cover for damage caused by power surge
• No cover for damage caused by hydrostatic pressure building up behind or below any part of home
• No cover for damage caused by rising damp or water absorbed through floors or walls
• No cover for shade cloth, sail cloth or fabric awnings
• No cover for lawns or grass
• No cover for swimming pools or spas or their covers and liners
• No cover for water in swimming pools and spas
• 72 hour waiting period for flood and water runoff
• Included under accidental damage cover
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by water entering home due to through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for damage caused by power surge
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged contents
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covered
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for lawns or artificial grass
• No cover for loose surfaces of paths or driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Flood excess: greater of $500 or your basic excess
• 72 hour waiting period
• Covered
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for lawns or artificial grass
• No cover for loose surfaces of paths or driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Flood excess: greater of $500 or your basic excess
• 72 hour waiting period
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• Waiting period length not disclosed in PDS
• Covered (high-risk properties can opt out)
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood
• Covers swimming pool or spa covers up to five years old
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• Opting out of cover also removes cover for rainwater run-off and storm surge
• Waiting period length not disclosed in PDS
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• Waiting period length not disclosed in PDS
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covers damage caused by flood and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period for rainwater run-off
• 14 day waiting period for flood
• Covered
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by hydrostatic pressure or hydrodynamic pressure
• No cover for damage caused by water entering building due to due to building alterations, renovations or additions
• No cover for damage caused by gradual deterioration or wear and tear
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose or compacted surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if that is the only damage to that part of the building
• Flood excess: greater of $500 or your basic excess
• 72 hour waiting period
• Covered
• Accidental damage option adds cover for power surge and interruption to power supply
• Covers damage caused by landslide and subsidence but must occur as a direct result of within 72 hours of flood
• Up to $8000 for contents in the open air (Sublimit removed if you buy accidental damage option. No sublimit applies to outdoor furniture, barbecues and above ground pools)
• Accidental damage option covers cash, vouchers, coupons, gift cards, money orders and negotiable financial instruments in the open air
• Accidental damage or portable contents options cover jewellery, watches, mobile phones and portable electronic items in the open air
• No cover for damage caused by water or debris due to entering building through opening made for alterations, additions, renovations or repairs
• No cover for damage caused by water or debris due to existing damage, design faults, structural defect or faulty workmanship you were aware of and knew may result in damage (or a reasonable person in the circumstances would have known)
• No cover for damage caused by water or debris due to lack of maintenance
• No cover for retaining walls
• No cover for gates or fences that you were aware are in a poor or damaged condition (or a reasonable person in the circumstances would be aware)
• No cover for gates or fences that you were aware were installed or constructed incorrectly (or a reasonable person in the circumstances would be aware)
• No cover for swimming pool or spa covers, solar covers or liners
• No cover for hydrostatic pressure damage to swimming pools or spas
• Water damage to external paintwork, treated surfaces or finishes not covered if this is the only damage to that part of the building
• Covers damage caused by flood, run-off and flood water combined with run-off and/or rainwater
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage or expansion of earth
• No cover for bridges
• No cover for retaining walls
• No cover for gates or fences that aren't well maintained and are in poor condition to the extent that this causes or contributes to the damage
• No cover for trees, shrubs or plants planted in the ground
• No cover for pontoons or jetties
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• 72 hour waiting period
• Covered
• Covers damage caused by rising damp, seepage of water from ground, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement, but must be directly caused by and occur within 72 hours of flood
• No cover for loose or compacted materials on roads, driveways, paths, etc
• No cover for gardens or garden borders
• No cover for outbuildings inadequately secured to foundations
• 72 hour waiting period
• Covers damage caused by flood, run-off and flood water combined with run-off and/or rainwater
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage or expansion of earth
• No cover for bridges
• No cover for retaining walls
• No cover for gates or fences that aren't well maintained and are in poor condition to the extent that this causes or contributes to the damage
• No cover for trees, shrubs or plants planted in the ground
• No cover for pontoons or jetties
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of replacing water in tanks, swimming pools or spas
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• 72 hour waiting period
• Covered
• Also covers damage caused by power surge
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by water entering home due to through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged contents
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covers damage caused by flood and flood water combined with run-off and rainwater
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage or expansion of earth
• No cover for damage caused by hydrostatic pressure
• No cover for bridges
• No cover for retaining walls
• No cover for gates or fences that aren't well maintained and are in poor condition to the extent that this causes or contributes to the damage
• No cover for trees, shrubs, hedges or plants that are planted in the ground
• No cover for pontoons or jetties
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• 72 hour waiting period
• Covers damage caused by flood and flood water combined with run-off and rainwater
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage or expansion of earth
• No cover for damage caused by hydrostatic pressure
• No cover for bridges
• No cover for retaining walls
• No cover for gates or fences that aren't well maintained and are in poor condition to the extent that this causes or contributes to the damage
• No cover for trees, shrubs, hedges or plants that are planted in the ground
• No cover for pontoons or jetties
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• 72 hour waiting period
• Covers damage caused by flood and flood water combined with run-off and rainwater
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage or expansion of earth
• No cover for damage caused by hydrostatic pressure
• No cover for bridges
• No cover for retaining walls
• No cover for gates or fences that aren't well maintained and are in poor condition to the extent that this causes or contributes to the damage
• No cover for trees, shrubs, hedges or plants that are planted in the ground
• No cover for pontoons or jetties
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• 72 hour waiting period
• Covers damage caused by flood and flood water combined with run-off and rainwater
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage or expansion of earth
• No cover for damage caused by hydrostatic pressure
• No cover for bridges
• No cover for retaining walls
• No cover for gates or fences that aren't well maintained and are in poor condition to the extent that this causes or contributes to the damage
• No cover for trees, shrubs, hedges or plants that are planted in the ground
• No cover for pontoons or jetties
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• 72 hour waiting period
• Covered
• Also covers damage caused by power surge
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by water entering home due to through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged contents
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covers damage caused by flood and water runoff
• Up to $50000 or 10% building sum insured for fencing, gates and retaining or other walls (up to 1000m total)
• Up to 10% building sum insured for driveways, paths, paving and sealed roads (up to 500m total)
• No cover for damage caused by underground (hydrostatic) water pressure
• No cover for damage caused by deliberate or malicious damage to or destruction of reservoir or dam
• No cover for sporting surfaces or courts
• No cover for unsealed paths or driveways constructed from gravel or other loose material
• No cover for paths, driveways, gardens, paving, gates or fences that are not structurally sound or in good condition, and of which you were aware or should have been aware, and which caused or contributed to the loss and damage
• No cover for sea walls
• 72 hour waiting period
• Covered
• Also covers damage caused by power surge
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by water entering home due to through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged contents
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covered
• Also covers damage caused by power surge
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by water entering home due to through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged contents
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covered
• Also covers damage caused by power surge
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by water entering home due to through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged contents
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covered
• Also covers damage caused by power surge
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by water entering home due to through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged contents
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covered
• 48 hour waiting period
• Covered
• Also covers damage caused by power surge
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by water entering home due to through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged contents
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covered
• No cover for paths, driveways, paved or concrete outdoor surfaces or tennis court surfaces
• No cover for retaining walls
• No cover for trees, shrubs, plants or landscaping features
• Covered
• Also covers damage caused by power surge
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by water entering home due to through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged contents
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covers damage caused by flood, run-off and flood water combined with run-off and/or rainwater
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage or expansion of earth
• No cover for bridges
• No cover for retaining walls
• No cover for gates or fences that aren't well maintained and are in poor condition to the extent that this causes or contributes to the damage
• No cover for trees, shrubs or plants planted in the ground
• No cover for pontoons or jetties
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• 72 hour waiting period
• Covers damage caused by flood, run-off and flood water combined with run-off and/or rainwater
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage or expansion of earth
• No cover for bridges
• No cover for retaining walls
• No cover for gates or fences that aren't well maintained and are in poor condition to the extent that this causes or contributes to the damage
• No cover for trees, shrubs or plants planted in the ground
• No cover for pontoons or jetties
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• 72 hour waiting period
• Covers damage caused by flood and water runoff
• Covers damage caused by landslide and subsidence but must be solely caused by and occur within 72 hours of first flood or water runoff damage
• No cover for damage caused by erosion, vibration, any earth movement or earth shrinkage or expansion
• No cover for damage caused by power surge
• No cover for damage caused by hydrostatic pressure building up behind or below any part of home
• No cover for damage caused by rising damp or water absorbed through floors or walls
• No cover for shade cloth, sail cloth or fabric awnings
• No cover for lawns or grass
• No cover for swimming pools or spas or their covers and liners
• No cover for water in swimming pools and spas
• 72 hour waiting period for flood and water runoff
• Covers damage caused by flood and water runoff
• Covers damage caused by landslide and subsidence but must be solely caused by and occur within 72 hours of first flood or water runoff damage
• No cover for damage caused by erosion, vibration, any earth movement or earth shrinkage or expansion
• No cover for damage caused by power surge
• No cover for damage caused by hydrostatic pressure building up behind or below any part of home
• No cover for damage caused by rising damp or water absorbed through floors or walls
• No cover for shade cloth, sail cloth or fabric awnings
• No cover for lawns or grass
• No cover for swimming pools or spas or their covers and liners
• No cover for water in swimming pools and spas
• 72 hour waiting period for flood and water runoff
• Covered
• Also covers damage caused by erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement
• Up to 10% building sum insured for paths, driveways, gates, fences, paving, freestanding or retaining walls and garden borders
• No cover for damage caused by underground (hydrostatic) water
• No cover for damage caused by flood which arises from deliberate malicious damage to, or destruction of a reservoir or dam
• No cover for tennis courts, unsealed paths or driveways
• No cover for paths, driveways, paving, gates, fences, freestanding or retaining walls or garden borders that are not structurally sound or maintained in a reasonable manner
• No cover for glasshouses or greenhouses
• No cover for wharves, jetties, pontoons or sea walls
• No cover for swimming pools or spas or their covers or liners except for permanently attached hard lid style pool covers
• No cover for water in a tank, swimming pool or spa
• No cover for cost of cleaning out mud or debris in a tank, swimming pool or spa
• No cover for any part of the home that is not fully built
• Damage to paint not covered when there is no structural damage to other parts of the home caused by the flood
• 72 hour waiting period
• Covers damage caused by flood, run-off and flood water combined with run-off and/or rainwater
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage or expansion of earth
• No cover for bridges
• No cover for retaining walls
• No cover for gates or fences that aren't well maintained and are in poor condition to the extent that this causes or contributes to the damage
• No cover for trees, shrubs or plants planted in the ground
• No cover for pontoons or jetties
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• 72 hour waiting period
• Covers damage caused by flood, run-off and flood water combined with run-off and/or rainwater
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage or expansion of earth
• No cover for bridges
• No cover for retaining walls
• No cover for gates or fences that aren't well maintained and are in poor condition to the extent that this causes or contributes to the damage
• No cover for trees, shrubs or plants planted in the ground
• No cover for pontoons or jetties
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• 72 hour waiting period
• Covers damage caused by flood, run-off and flood water combined with run-off and/or rainwater
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage or expansion of earth
• No cover for bridges
• No cover for retaining walls
• No cover for gates or fences that aren't well maintained and are in poor condition to the extent that this causes or contributes to the damage
• No cover for trees, shrubs or plants planted in the ground
• No cover for pontoons or jetties
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• 72 hour waiting period
• Included under accidental damage cover
• No cover for paths, driveways, paved or concrete outdoor surfaces or tennis court surfaces
• No cover for retaining walls
• No cover for trees, shrubs, plants or landscaping features
• Covered
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by hydrostatic pressure or hydrodynamic pressure
• No cover for damage caused by water entering building due to due to building alterations, renovations or additions
• No cover for damage caused by gradual deterioration or wear and tear
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose or compacted surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if that is the only damage to that part of the building
• Flood excess: greater of $500 or your basic excess
• 72 hour waiting period
• Covered
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if this is the only damage to that part of the home
• Flood excess: greater of $500 or your basic excess
• 72 hour waiting period
• Covered
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if this is the only damage to that part of the home
• Flood excess: greater of $500 or your basic excess
• 72 hour waiting period
• Covered
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if this is the only damage to that part of the home
• Flood excess: greater of $500 or your basic excess
• 72 hour waiting period
• Covered
• Also covers damage caused by power surge
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by water entering home due to through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged contents
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covered
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for lawns or artificial grass
• No cover for loose surfaces of paths or driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Flood excess: greater of $500 or your basic excess
• 72 hour waiting period
• Covered
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for lawns or artificial grass
• No cover for loose surfaces of paths or driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Flood excess: greater of $500 or your basic excess
• 72 hour waiting period
• Covers damage caused by flood and water runoff
• Covers damage caused by landslide and subsidence but must be solely caused by and occur within 72 hours of first flood or water runoff damage
• No cover for damage caused by erosion, vibration, any earth movement or earth shrinkage or expansion
• No cover for damage caused by power surge
• No cover for damage caused by hydrostatic pressure building up behind or below any part of home
• No cover for damage caused by rising damp or water absorbed through floors or walls
• No cover for shade cloth, sail cloth or fabric awnings
• No cover for lawns or grass
• No cover for swimming pools or spas or their covers and liners
• No cover for water in swimming pools and spas
• 72 hour waiting period for flood and water runoff
• Covered
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if this is the only damage to that part of the home
• Flood excess: greater of $500 or your basic excess
• 72 hour waiting period
• Covered
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for lawns or artificial grass
• No cover for loose surfaces of paths or driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Flood excess: greater of $500 or your basic excess
• 72 hour waiting period
• Covered
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for lawns or artificial grass
• No cover for loose surfaces of paths or driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Flood excess: greater of $500 or your basic excess
• 72 hour waiting period
• Covered
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for lawns or artificial grass
• No cover for loose surfaces of paths or driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Flood excess: greater of $500 or your basic excess
• 72 hour waiting period
• Covered
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for lawns or artificial grass
• No cover for loose surfaces of paths or driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Flood excess: greater of $500 or your basic excess
• 72 hour waiting period
Storm and cyclone
• Covers damage caused by storm, rainwater and wind caused by storms or heavy rain
• Also covers damage caused by escape of rainwater from water pipes, drains or gutters
• Covers damage caused by earth movement but must occur as a result of and within 72 hours of storm or heavy rain
• Covers damage caused by surface run-off rainwater from surrounding areas but must occur within 24 hours of storm or heavy rain
• No cover for damage caused by rain, hail, wind, snow or dust an opening not created by an insured event
• No cover for damage caused by rain due to construction, alteration or renovation work being carried out
• No cover for damage caused by rain, hail, wind, snow or dust due to defects in design, structure, materials, workmanship or construction you knew or should reasonably have known about
• No cover for artificial grass or turf
• No cover for courts designed for sports with fixed surfaces
• No cover for retaining walls
• No cover for fences or gates that are not in good condition
• No cover for jetties, wharves or pontoons
• No cover for swimming pool or spa liners or covers
• No cover for water in swimming pools or spas
• 72 hour waiting period for storm (including cyclone)
• Covers damage caused by storm, rainwater and wind caused by storms or heavy rain
• Also covers damage caused by escape of rainwater from water pipes, drains or gutters
• Covers damage caused by earth movement but must occur as a result of and within 72 hours of storm or heavy rain
• Covers damage caused by surface run-off rainwater from surrounding areas but must occur within 24 hours of storm or heavy rain
• No cover for damage caused by rain, hail, wind, snow or dust an opening not created by an insured event
• No cover for damage caused by rain due to construction, alteration or renovation work being carried out
• No cover for damage caused by rain, hail, wind, snow or dust due to defects in design, structure, materials, workmanship or construction you knew or should reasonably have known about
• No cover for artificial grass or turf
• No cover for courts designed for sports with fixed surfaces
• No cover for retaining walls
• No cover for fences or gates that are not in good condition
• No cover for jetties, wharves or pontoons
• No cover for swimming pool or spa liners or covers
• No cover for water in swimming pools or spas
• 72 hour waiting period for storm (including cyclone)
• Covers damage caused by storm, rainwater and wind caused by storms or heavy rain
• Also covers damage caused by escape of rainwater from water pipes, drains or gutters
• Covers damage caused by earth movement but must occur as a result of and within 72 hours of storm or heavy rain
• Covers damage caused by surface run-off rainwater from surrounding areas but must occur within 24 hours of storm or heavy rain
• No cover for damage caused by rain, hail, wind, snow or dust an opening not created by an insured event
• No cover for damage caused by rain due to construction, alteration or renovation work being carried out
• No cover for damage caused by rain, hail, wind, snow or dust due to defects in design, structure, materials, workmanship or construction you knew or should reasonably have known about
• No cover for artificial grass or turf
• No cover for courts designed for sports with fixed surfaces
• No cover for retaining walls
• No cover for fences or gates that are not in good condition
• No cover for jetties, wharves or pontoons
• No cover for swimming pool or spa liners or covers
• No cover for water in swimming pools or spas
• 72 hour waiting period for storm (including cyclone)
• Covers damage caused by storm, cyclone, rainwater and run-off
• Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the storm
• Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other opening
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by rainwater, hail, wind or water that enters building through an opening made for the purpose of construction, alterations, additions, demolition, repairs and decorations
• No cover for damage caused by hydrostatic pressure
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to faulty design or materials, structural defects or poor workmanship of which you could reasonably be expected to have been aware
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to lack of maintenance and poor housekeeping
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to gradual deterioration, wear and tear, of which you could be reasonably expected to have been aware
• No cover for retaining walls
• No cover for trees, shrubs or plants planted in the ground
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• No cover for rainwater damage to external paintwork or coatings
• 72 hour waiting period for cyclone
• Covers damage caused by storm, rainwater and wind caused by storms or heavy rain
• Also covers damage caused by escape of rainwater from water pipes, drains or gutters
• Covers damage caused by earth movement but must occur as a result of and within 72 hours of storm or heavy rain
• Covers damage caused by surface run-off rainwater from surrounding areas but must occur within 24 hours of storm or heavy rain
• No cover for damage caused by rain, hail, wind, snow or dust an opening not created by an insured event
• No cover for damage caused by rain due to construction, alteration or renovation work being carried out
• No cover for damage caused by rain, hail, wind, snow or dust due to defects in design, structure, materials, workmanship or construction you knew or should reasonably have known about
• No cover for artificial grass or turf
• No cover for courts designed for sports with fixed surfaces
• No cover for retaining walls
• No cover for fences or gates that are not in good condition
• No cover for jetties, wharves or pontoons
• No cover for swimming pool or spa liners or covers
• No cover for water in swimming pools or spas
• 72 hour waiting period for storm (including cyclone)
• Covers damage caused by storm, cyclone, rainwater and run-off
• Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the storm
• Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other opening
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by rainwater, hail, wind or water that enters building through an opening made for the purpose of construction, alterations, additions, demolition, repairs and decorations
• No cover for damage caused by hydrostatic pressure
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to faulty design or materials, structural defects or poor workmanship of which you could reasonably be expected to have been aware
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to lack of maintenance and poor housekeeping
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to gradual deterioration, wear and tear, of which you could be reasonably expected to have been aware
• No cover for retaining walls
• No cover for trees, shrubs or plants planted in the ground
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• No cover for rainwater damage to external paintwork or coatings
• 72 hour waiting period for cyclone
• Covers damage caused by storm, cyclone, rainwater and run-off
• Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the storm
• Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other opening
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by rainwater, hail, wind or water that enters building through an opening made for the purpose of construction, alterations, additions, demolition, repairs and decorations
• No cover for damage caused by hydrostatic pressure
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to faulty design or materials, structural defects or poor workmanship of which you could reasonably be expected to have been aware
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to lack of maintenance and poor housekeeping
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to gradual deterioration, wear and tear, of which you could be reasonably expected to have been aware
• No cover for retaining walls
• No cover for trees, shrubs or plants planted in the ground
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• No cover for rainwater damage to external paintwork or coatings
• 72 hour waiting period for cyclone
• Covers damage caused by storm, rainwater and wind caused by storms or heavy rain
• Also covers damage caused by escape of rainwater from water pipes, drains or gutters
• Covers damage caused by earth movement but must occur as a result of and within 72 hours of storm or heavy rain
• Covers damage caused by surface run-off rainwater from surrounding areas but must occur within 24 hours of storm or heavy rain
• No cover for damage caused by rain, hail, wind, snow or dust an opening not created by an insured event
• No cover for damage caused by rain due to construction, alteration or renovation work being carried out
• No cover for damage caused by rain, hail, wind, snow or dust due to defects in design, structure, materials, workmanship or construction you knew or should reasonably have known about
• No cover for artificial grass or turf
• No cover for courts designed for sports with fixed surfaces
• No cover for retaining walls
• No cover for fences or gates that are not in good condition
• No cover for jetties, wharves or pontoons
• No cover for swimming pool or spa liners or covers
• No cover for water in swimming pools or spas
• 72 hour waiting period for storm (including cyclone)
• Covers damage caused by storm, cyclone, rainwater and run-off
• Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the storm
• Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other opening
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by rainwater, hail, wind or water that enters building through an opening made for the purpose of construction, alterations, additions, demolition, repairs and decorations
• No cover for damage caused by hydrostatic pressure
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to faulty design or materials, structural defects or poor workmanship of which you could reasonably be expected to have been aware
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to lack of maintenance and poor housekeeping
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to gradual deterioration, wear and tear, of which you could be reasonably expected to have been aware
• No cover for retaining walls
• No cover for trees, shrubs or plants planted in the ground
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• No cover for rainwater damage to external paintwork or coatings
• 72 hour waiting period for cyclone
• Covers damage caused by storm and rainwater
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for damage caused by gradual deterioration due to rainwater
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if that is the only damage to that part of the building
• 72 hour waiting period for rainwater and storm
• Covers damage caused by storm and rainwater
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for damage caused by gradual deterioration due to rainwater
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if that is the only damage to that part of the building
• 72 hour waiting period for rainwater and storm
• Covers damage caused by storm, lightning, wind, hail and snow
• Also covers damage caused by stormwater overflow from roof gutters, downpipes and the area immediately around premises
• Also covers damage caused by rain, wind, hail or snow entering building through opening created by the storm and through opening not created by the storm, that you could not reasonably have been aware of
• Also covers damage caused by mechanical, electrical or electronic breakdown or failure caused by the storm
• Covers damage caused by landslip and subsidence but must occur directly because and within 72 hours of storm
• No cover for damage caused by rain, wind, hail or snow entering building through open windows, doors or openings made for alterations, renovations or repairs
• No cover for landslip, subsidence or erosion of occurring over time
• No cover for damage caused by rising damp or seepage
• No cover for retaining walls
• No cover for cost to remove or prune fallen trees, branches or other objects that have not damaged the property
• No cover for jetties or pontoons
• No cover for water leaking down the sides or against the sides or underneath damage to in-ground structures
• Additional excess applies if you submit claim more than 90 days after storm
• 72 hour waiting period
• Covered
• Up to $500 for swimming pool or spa covers and liners up to five years old
• No cover for damage caused by power surge
• No cover for lawns or grass
• No cover for free standing walls
• Paintwork or coatings not covered if this is the only building damage caused by storm
• 72 hour waiting period
• Included under accidental damage cover
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for damage caused by power surge
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged items
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covers damage caused by storm and rainwater
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for damage caused by gradual deterioration due to rainwater
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if that is the only damage to that part of the building
• 72 hour waiting period for rainwater and storm
• Covers damage caused by storm and rainwater
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for damage caused by gradual deterioration due to rainwater
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if that is the only damage to that part of the building
• 72 hour waiting period for rainwater and storm
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• Waiting period length not disclosed in PDS
• Covers damage caused by violent wind, cyclone, tornado, rain, thunderstorm, hail, snow and rainwater run-off
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm or rainwater run-off
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by water which enters home due to through tarpaulins or fixings set up while you're renovating or altering home
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• Waiting period length not disclosed in PDS
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• Waiting period length not disclosed in PDS
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• Waiting period length not disclosed in PDS
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covered
• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm
• Covers swimming pool or spa covers up to five years old
• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement
• No cover for bridges or gravel driveways
• No cover for retaining walls
• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained
• No cover for pontoons or jetties
• No cover for pool or spa solar covers or liners
• 72 hour waiting period
• Covers damage caused by storm and rainwater
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for damage caused by gradual deterioration due to rainwater
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by hydrostatic pressure or hydrodynamic pressure
• No cover for damage caused by water entering building due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if that is the only damage to that part of the building
• 72 hour waiting period for rainwater and storm
• Covers damage caused by storm, rain and hail
• Accidental damage option adds cover for power surge and interruption to power supply
• Covers damage caused by landslide and subsidence but must occur as a direct result of within 72 hours of storm, rain or hail
• Up to $8000 for contents in the open air (Sublimit removed if you buy accidental damage option. No sublimit applies to outdoor furniture, barbecues and above ground pools)
• Accidental damage option covers cash, vouchers, coupons, gift cards, money orders and negotiable financial instruments in the open air
• Accidental damage or portable contents options cover jewellery, watches, mobile phones and portable electronic items in the open air
• No cover for damage caused by water, rain, wind, hail or debris entering building through opening made for alterations, additions, renovations or repairs
• No cover for damage caused by water, rain, wind, hail or debris due to existing damage, design faults, structural defect or faulty workmanship you were aware of and knew may result in damage (or a reasonable person in the circumstances would have known)
• No cover for damage caused by water, rain, wind, hail or debris due to lack of maintenance
• No cover for retaining walls
• No cover for gates or fences that you were aware are in a poor or damaged condition (or a reasonable person in the circumstances would be aware)
• No cover for gates or fences that you were aware were installed or constructed incorrectly (or a reasonable person in the circumstances would be aware)
• No cover for swimming pool or spa covers, solar covers or liners
• No cover for hydrostatic pressure damage to swimming pools or spas
• Water or wind damage to external paintwork, treated surfaces or finishes not covered if this is the only damage to that part of the building
• Covers damage caused by storm, cyclone and rainwater
• Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the storm
• Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other opening
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by rainwater, hail, wind or water that enters building through an opening made for the purpose of construction, alterations, additions, demolition, repairs and decorations
• No cover for damage caused by hydrostatic pressure
• No cover for damage caused by rainwater, hail, wind or water that enters building due to faulty design or materials, structural defects or poor workmanship of which you could reasonably be expected to have been aware
• No cover for damage caused by rainwater, hail, wind or water that enters building due to lack of maintenance and poor housekeeping
• No cover for damage caused by rainwater, hail, wind or water that enters building due to gradual deterioration, wear and tear, of which you could be reasonably expected to have been aware
• No cover for pathways or driveways
• No cover for gates, fences or freestanding or retaining walls
• No cover for trees, shrubs or plants planted in the ground
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• No cover for rainwater damage to external paintwork or coatings
• 72 hour waiting period for cyclone
• Covered
• Covers damage caused by rising damp, seepage of water from ground, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement, but must be directly caused by and occur within 72 hours of storm
• No cover for loose or compacted materials on roads, driveways, paths, etc
• No cover for gardens or garden borders
• No cover for outbuildings inadequately secured to foundations
• Storm must be accompanied by heavy rain, strong winds, lightning, snow or hail
• 72 hour waiting period
• Covers damage caused by storm, cyclone and rainwater
• Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the storm
• Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other opening
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by rainwater, hail, wind or water that enters building through an opening made for the purpose of construction, alterations, additions, demolition, repairs and decorations
• No cover for damage caused by hydrostatic pressure
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to faulty design or materials, structural defects or poor workmanship of which you could reasonably be expected to have been aware
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to lack of maintenance and poor housekeeping
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to gradual deterioration, wear and tear, of which you could be reasonably expected to have been aware
• No cover for retaining walls
• No cover for trees, shrubs or plants planted in the ground
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of replacing water in tanks, swimming pools or spas
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• No cover for rainwater damage to external paintwork or coatings
• 72 hour waiting period for cyclone
• Covered
• Also covers damage caused by power surge
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged items
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covers damage caused by storm, cyclone, rainwater and run-off
• Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the storm
• Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other opening
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by hydrostatic pressure
• No cover for retaining walls
• No cover for trees, shrubs or plants planted in the ground
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• No cover for rainwater damage to external paintwork or coatings
• 72 hour waiting period for cyclone
• Covers damage caused by storm, cyclone, rainwater and run-off
• Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the storm
• Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other opening
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by hydrostatic pressure
• No cover for retaining walls
• No cover for trees, shrubs or plants planted in the ground
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• No cover for rainwater damage to external paintwork or coatings
• 72 hour waiting period for cyclone
• Covers damage caused by storm, cyclone, rainwater and run-off
• Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the storm
• Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other opening
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by hydrostatic pressure
• No cover for retaining walls
• No cover for trees, shrubs or plants planted in the ground
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• No cover for rainwater damage to external paintwork or coatings
• 72 hour waiting period for cyclone
• Covers damage caused by storm, cyclone, rainwater and run-off
• Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the storm
• Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other opening
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by hydrostatic pressure
• No cover for retaining walls
• No cover for trees, shrubs or plants planted in the ground
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• No cover for rainwater damage to external paintwork or coatings
• 72 hour waiting period for cyclone
• Covered
• Also covers damage caused by power surge
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged items
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covers damage caused by storm, cyclone and water runoff
• Covers damage caused by landslide and subsidence but must occur within 72 hours and as a direct result of storm
• Up to $50000 or 10% building sum insured for fencing, gates and retaining or other walls (up to 1000m total)
• Up to 10% building sum insured for driveways, paths, paving and sealed roads (up to 500m total)
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for damage caused by underground (hydrostatic) water pressure
• No cover for damage caused by rain, hail or wind entering home due to as a result of a defect, structural or design fault, wear and tear or a process of gradual deterioration of which you were aware or should have been aware
• No cover for sporting surfaces or courts
• No cover for unsealed paths or driveways constructed from gravel or other loose material
• No cover for paths, driveways, gardens, paving, gates or fences that are not structurally sound or in good condition, and of which you were aware or should have been aware, and which caused or contributed to the loss and damage
• No cover for sea walls
• 72 hour waiting period
• Covered
• Also covers damage caused by power surge
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged items
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covered
• Also covers damage caused by power surge
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged items
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covered
• Also covers damage caused by power surge
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged items
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covered
• Also covers damage caused by power surge
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged items
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covered
• Up to $500 for trees, shrubs and landscaping
• Up to 5% contents sum insured for contents in a safety deposit box at any bank in Australia
• Up to 5% contents sum insured for contents at a home you are temporarily residing in
• Up to 20% contents sum insured for contents in the open air
• No cover for damage caused by water or wind entering due to through an open window or door
• No cover during renovations, or in connection to renovation, alterations or repairs being carried out on building
• No cover for retaining walls
• No cover for wind damage to gates, fences, freestanding walls, patio or pergola roof coverings or shade cloths which are not maintained in good repair and condition
• 48 hour waiting period
• Covered
• Also covers damage caused by power surge
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged items
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covers damage caused by storm, hail and rainwater
• Covers damage caused by erosion, landslide and subsidence, but must occur as a result of and within 72 hours of storm, hail or rainwater
• No cover for paths, driveways, paved or concrete outdoor surfaces or tennis court surfaces
• No cover for retaining walls
• No cover for trees, shrubs, plants or landscaping features
• External paintwork not covered if this is the only damage sustained to that part of the home
• 48 hour waiting period for named cyclone
• Covered
• Also covers damage caused by power surge
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged items
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covers damage caused by storm, cyclone, rainwater and run-off
• Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the storm
• Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other opening
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by rainwater, hail, wind or water that enters building through an opening made for the purpose of construction, alterations, additions, demolition, repairs and decorations
• No cover for damage caused by hydrostatic pressure
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to faulty design or materials, structural defects or poor workmanship of which you could reasonably be expected to have been aware
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to lack of maintenance and poor housekeeping
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to gradual deterioration, wear and tear, of which you could be reasonably expected to have been aware
• No cover for retaining walls
• No cover for trees, shrubs or plants planted in the ground
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• No cover for rainwater damage to external paintwork or coatings
• 72 hour waiting period for cyclone
• Covers damage caused by storm, cyclone, rainwater and run-off
• Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the storm
• Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other opening
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by rainwater, hail, wind or water that enters building through an opening made for the purpose of construction, alterations, additions, demolition, repairs and decorations
• No cover for damage caused by hydrostatic pressure
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to faulty design or materials, structural defects or poor workmanship of which you could reasonably be expected to have been aware
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to lack of maintenance and poor housekeeping
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to gradual deterioration, wear and tear, of which you could be reasonably expected to have been aware
• No cover for retaining walls
• No cover for trees, shrubs or plants planted in the ground
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• No cover for rainwater damage to external paintwork or coatings
• 72 hour waiting period for cyclone
• Covered
• Up to $500 for swimming pool or spa covers and liners up to five years old
• No cover for damage caused by power surge
• No cover for lawns or grass
• No cover for free standing walls
• Paintwork or coatings not covered if this is the only building damage caused by storm
• 72 hour waiting period
• Covered
• Up to $500 for swimming pool or spa covers and liners up to five years old
• No cover for damage caused by power surge
• No cover for lawns or grass
• No cover for free standing walls
• Paintwork or coatings not covered if this is the only building damage caused by storm
• 72 hour waiting period
• Covers damage caused by storm and rainwater runoff
• Also covers damage caused by erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement
• Up to 10% building sum insured for paths, driveways, paving, freestanding or retaining walls and garden borders
• No cover for damage caused by rain, hail or wind entering home due to through open windows, doors or skylights
• No cover for damage caused by underground (hydrostatic) water
• No cover for damage caused by rain, hail or wind entering home due to because of a defect, structural fault, design fault, wear, tear or gradual deterioration over a period of time
• No cover for tennis courts, unsealed paths or driveways
• No cover for wind damage to gates or fences that are not structurally sound or maintained in a reasonable manner
• No cover for paths, driveways, paving, freestanding or retaining walls or garden borders that are not structurally sound or maintained in a reasonable manner
• No cover for glasshouses or greenhouses
• No cover for wharves, jetties or pontoons
• No cover for swimming pools or spas or their covers or liners except for permanently attached hard lid style pool covers
• 48 hour waiting period
• Covers damage caused by storm, cyclone, rainwater and run-off
• Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the storm
• Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other opening
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by rainwater, hail, wind or water that enters building through an opening made for the purpose of construction, alterations, additions, demolition, repairs and decorations
• No cover for damage caused by hydrostatic pressure
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to faulty design or materials, structural defects or poor workmanship of which you could reasonably be expected to have been aware
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to lack of maintenance and poor housekeeping
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to gradual deterioration, wear and tear, of which you could be reasonably expected to have been aware
• No cover for retaining walls
• No cover for trees, shrubs or plants planted in the ground
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• No cover for rainwater damage to external paintwork or coatings
• 72 hour waiting period for cyclone
• Covers damage caused by storm, cyclone, rainwater and run-off
• Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the storm
• Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other opening
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by rainwater, hail, wind or water that enters building through an opening made for the purpose of construction, alterations, additions, demolition, repairs and decorations
• No cover for damage caused by hydrostatic pressure
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to faulty design or materials, structural defects or poor workmanship of which you could reasonably be expected to have been aware
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to lack of maintenance and poor housekeeping
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to gradual deterioration, wear and tear, of which you could be reasonably expected to have been aware
• No cover for retaining walls
• No cover for trees, shrubs or plants planted in the ground
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• No cover for rainwater damage to external paintwork or coatings
• 72 hour waiting period for cyclone
• Covers damage caused by storm, cyclone, rainwater and run-off
• Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the storm
• Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other opening
• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by rainwater, hail, wind or water that enters building through an opening made for the purpose of construction, alterations, additions, demolition, repairs and decorations
• No cover for damage caused by hydrostatic pressure
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to faulty design or materials, structural defects or poor workmanship of which you could reasonably be expected to have been aware
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to lack of maintenance and poor housekeeping
• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to gradual deterioration, wear and tear, of which you could be reasonably expected to have been aware
• No cover for retaining walls
• No cover for trees, shrubs or plants planted in the ground
• No cover for swimming pool or spa covers, liners or solar domes
• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
• No cover for rainwater damage to external paintwork or coatings
• 72 hour waiting period for cyclone
• Included under accidental damage cover
• Covers damage caused by erosion, landslide and subsidence, but must occur as a result of and within 72 hours of storm, hail or rainwater
• No cover for storm, hail or rainwater damage to paths, driveways, paved or concrete outdoor surfaces or tennis court surfaces
• No cover for storm, hail or rainwater damage to retaining walls
• No cover for storm, hail or rainwater damage to trees, shrubs, plants or landscaping features
• External paintwork not covered if this is the only damage sustained to that part of the home
• 48 hour waiting period for named cyclone
• Covers damage caused by storm and rainwater
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for damage caused by gradual deterioration due to rainwater
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by hydrostatic pressure or hydrodynamic pressure
• No cover for damage caused by water entering building due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if that is the only damage to that part of the building
• 72 hour waiting period for rainwater and storm
• Covers damage caused by storm and rainwater
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for damage caused by gradual deterioration due to rainwater
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if that is the only damage to that part of the building
• 72 hour waiting period for rainwater and storm
• Covers damage caused by storm and rainwater
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for damage caused by gradual deterioration due to rainwater
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if that is the only damage to that part of the building
• 72 hour waiting period for rainwater and storm
• Covers damage caused by storm and rainwater
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for damage caused by gradual deterioration due to rainwater
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if that is the only damage to that part of the building
• 72 hour waiting period for rainwater and storm
• Covered
• Also covers damage caused by power surge
• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• No cover for cracking of sealed paths, roads or driveways
• No cover for sporting surfaces or courts
• No cover for retaining or free-standing outdoor walls
• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
• No cover for garden borders
• No cover for revetments or sea walls
• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
• No cover for cost of cleaning undamaged items
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covers damage caused by storm and rainwater
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for damage caused by gradual deterioration due to rainwater
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if that is the only damage to that part of the building
• 72 hour waiting period for rainwater and storm
• Covers damage caused by storm and rainwater
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for damage caused by gradual deterioration due to rainwater
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if that is the only damage to that part of the building
• 72 hour waiting period for rainwater and storm
• Covered
• Up to $500 for swimming pool or spa covers and liners up to five years old
• No cover for damage caused by power surge
• No cover for lawns or grass
• No cover for free standing walls
• Paintwork or coatings not covered if this is the only building damage caused by storm
• 72 hour waiting period
• Covers damage caused by storm and rainwater
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for damage caused by gradual deterioration due to rainwater
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if that is the only damage to that part of the building
• 72 hour waiting period for rainwater and storm
• Covers damage caused by storm and rainwater
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for damage caused by gradual deterioration due to rainwater
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if that is the only damage to that part of the building
• 72 hour waiting period for rainwater and storm
• Covers damage caused by storm and rainwater
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for damage caused by gradual deterioration due to rainwater
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if that is the only damage to that part of the building
• 72 hour waiting period for rainwater and storm
• Covers damage caused by storm and rainwater
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for damage caused by gradual deterioration due to rainwater
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if that is the only damage to that part of the building
• 72 hour waiting period for rainwater and storm
• Covers damage caused by storm and rainwater
• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
• Covers external shade cloths and sails (must be professionally installed) up to five years old
• No cover for damage caused by gradual deterioration due to rainwater
• No cover for cracking of paths, driveways or any outdoor surfaces
• No cover for damage caused by water entering home due to due to building alterations, renovations or additions
• No cover for damage caused by water that has seeped or percolated into building
• No cover for lawns, artificial grass, sporting surfaces or courts
• No cover for loose surfaces of paths and driveways
• No cover for retaining or freestanding outdoor walls
• No cover for fences or gates that are not structurally sound or well maintained
• No cover for plants or trees
• No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
• No cover for cost of replacing water in swimming pools or spas
• No cover for cost of cleaning or removing mud or debris in swimming pools or spas
• Damage to external paintwork not covered if that is the only damage to that part of the building
• 72 hour waiting period for rainwater and storm
Storm surge
• Covered<br>• No cover for damage caused by power surge<br>• No cover for damage caused by hydrostatic pressure building up behind or below any part of home<br>• No cover for damage caused by rising damp or water absorbed through floors or walls<br>• No cover for shade cloth, sail cloth or fabric awnings<br>• No cover for lawns or grass<br>• No cover for swimming pools or spas or their covers and liners<br>• No cover for water in swimming pools and spas<br>• 72 hour waiting period
• Included under accidental damage cover<br>• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm surge<br>• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered<br>• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement<br>• No cover for damage caused by power surge<br>• No cover for cracking of sealed paths, roads or driveways<br>• No cover for sporting surfaces or courts<br>• No cover for retaining or free-standing outdoor walls<br>• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair<br>• No cover for garden borders<br>• No cover for revetments or sea walls<br>• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories<br>• No cover for cost of cleaning undamaged items<br>• Damage to external paintwork not covered if this is the only storm surge damage<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners
• Covered (high-risk properties can opt out)<br>• Covers damage caused by landslide and subsidence but must occur as a direct result of storm surge and within 72 hours<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• Opting out cancels cover for flood and rainwater run-off
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Covers damage caused by landslide and subsidence but must occur as a direct result and within 72 hours of storm surge<br>• Covers swimming pool or spa covers up to five years old<br>• No cover for damage caused by erosion, deterioration, collapse, shrinkage or any other earth movement<br>• No cover for bridges or gravel driveways<br>• No cover for retaining walls<br>• No cover for gates, fences or free-standing walls if damage is caused because they are not structurally sound or well-maintained<br>• No cover for pontoons or jetties<br>• No cover for pool or spa solar covers or liners<br>• 72 hour waiting period
• Covered<br>• Accidental damage option adds cover for power surge and interruption to power supply<br>• Covers damage caused by landslide and subsidence but must occur as a direct result of within 72 hours of storm surge<br>• Up to $8000 for contents in the open air (Sublimit removed if you buy accidental damage option. No sublimit applies to outdoor furniture, barbecues and above ground pools)<br>• Accidental damage option covers cash, vouchers, coupons, gift cards, money orders, negotiable financial instruments, jewellery, watches, mobile phones and portable electronic items in the open air<br>• No cover for damage caused by water or debris entering building through opening made for alterations, additions, renovations or repairs<br>• No cover for damage caused by water or debris due to existing damage, design faults, structural defect or faulty workmanship you were aware of and knew may result in damage (or a reasonable person in the circumstances would have known)<br>• No cover for damage caused by water or debris due to lack of maintenance<br>• No cover for retaining walls<br>• No cover for gates or fences that you were aware are in a poor or damaged condition (or a reasonable person in the circumstances would be aware)<br>• No cover for gates or fences that you were aware were installed or constructed incorrectly (or a reasonable person in the circumstances would be aware)<br>• No cover for swimming pool or spa covers, solar covers or liners<br>• No cover for hydrostatic pressure damage to swimming pools or spas<br>• Water damage to external paintwork, treated surfaces or finishes not covered if this is the only damage to that part of the building
• Covered<br>• Also covers damage caused by water that enters building through openings made by the storm<br>• Accidental damage option adds cover for damage caused by water that enters building through an open door, window or other opening<br>• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm<br>• No cover for damage caused by water that enters building through an opening made for the purpose of construction, alterations, additions, demolition, repairs and decorations<br>• No cover for damage caused by hydrostatic pressure<br>• No cover for damage caused by water that enters building due to faulty design or materials, structural defects or poor workmanship of which you could reasonably be expected to have been aware<br>• No cover for damage caused by water that enters building due to lack of maintenance and poor housekeeping<br>• No cover for damage caused by water that enters building due to gradual deterioration, wear and tear, of which you could be reasonably expected to have been aware<br>• No cover for pathways or driveways<br>• No cover for gates, fences or freestanding or retaining walls<br>• No cover for trees, shrubs or plants planted in the ground<br>• No cover for swimming pool or spa covers, liners or solar domes<br>• No cover for cost of cleaning mud or debris in tanks, swimming pools or spas<br>• No cover for rainwater damage to external paintwork or coatings<br>• 72 hour waiting period
• Covered<br>• Also covers damage caused by power surge<br>• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm surge<br>• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered<br>• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement<br>• No cover for cracking of sealed paths, roads or driveways<br>• No cover for sporting surfaces or courts<br>• No cover for retaining or free-standing outdoor walls<br>• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair<br>• No cover for garden borders<br>• No cover for revetments or sea walls<br>• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories<br>• No cover for cost of cleaning undamaged items<br>• Damage to external paintwork not covered if this is the only storm surge damage<br>• 72 hour waiting period
• Covered<br>• Also covers damage caused by power surge<br>• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm surge<br>• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered<br>• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement<br>• No cover for cracking of sealed paths, roads or driveways<br>• No cover for sporting surfaces or courts<br>• No cover for retaining or free-standing outdoor walls<br>• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair<br>• No cover for garden borders<br>• No cover for revetments or sea walls<br>• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories<br>• No cover for cost of cleaning undamaged items<br>• Damage to external paintwork not covered if this is the only storm surge damage<br>• 72 hour waiting period
• Covered<br>• Up to $50000 or 10% building sum insured for fencing, gates and retaining or other walls (up to 1000m total)<br>• Up to 10% building sum insured for driveways, paths, paving and sealed roads (up to 500m total)<br>• No cover for damage caused by underground (hydrostatic) water pressure<br>• No cover for sporting surfaces or courts<br>• No cover for unsealed paths or driveways constructed from gravel or other loose material<br>• No cover for paths, driveways, gardens, paving, gates or fences that are not structurally sound or in good condition, and of which you were aware or should have been aware, and which caused or contributed to the loss and damage<br>• No cover for sea walls<br>• 72 hour waiting period
• Covered<br>• Also covers damage caused by power surge<br>• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm surge<br>• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered<br>• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement<br>• No cover for cracking of sealed paths, roads or driveways<br>• No cover for sporting surfaces or courts<br>• No cover for retaining or free-standing outdoor walls<br>• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair<br>• No cover for garden borders<br>• No cover for revetments or sea walls<br>• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories<br>• No cover for cost of cleaning undamaged items<br>• Damage to external paintwork not covered if this is the only storm surge damage<br>• 72 hour waiting period
• Covered<br>• Also covers damage caused by power surge<br>• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm surge<br>• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered<br>• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement<br>• No cover for cracking of sealed paths, roads or driveways<br>• No cover for sporting surfaces or courts<br>• No cover for retaining or free-standing outdoor walls<br>• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair<br>• No cover for garden borders<br>• No cover for revetments or sea walls<br>• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories<br>• No cover for cost of cleaning undamaged items<br>• Damage to external paintwork not covered if this is the only storm surge damage<br>• 72 hour waiting period
• Covered<br>• Also covers damage caused by power surge<br>• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm surge<br>• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered<br>• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement<br>• No cover for cracking of sealed paths, roads or driveways<br>• No cover for sporting surfaces or courts<br>• No cover for retaining or free-standing outdoor walls<br>• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair<br>• No cover for garden borders<br>• No cover for revetments or sea walls<br>• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories<br>• No cover for cost of cleaning undamaged items<br>• Damage to external paintwork not covered if this is the only storm surge damage<br>• 72 hour waiting period
• Covered<br>• Also covers damage caused by power surge<br>• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm surge<br>• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered<br>• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement<br>• No cover for cracking of sealed paths, roads or driveways<br>• No cover for sporting surfaces or courts<br>• No cover for retaining or free-standing outdoor walls<br>• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair<br>• No cover for garden borders<br>• No cover for revetments or sea walls<br>• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories<br>• No cover for cost of cleaning undamaged items<br>• Damage to external paintwork not covered if this is the only storm surge damage<br>• 72 hour waiting period
• Covered<br>• Also covers damage caused by power surge<br>• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm surge<br>• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered<br>• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement<br>• No cover for cracking of sealed paths, roads or driveways<br>• No cover for sporting surfaces or courts<br>• No cover for retaining or free-standing outdoor walls<br>• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair<br>• No cover for garden borders<br>• No cover for revetments or sea walls<br>• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories<br>• No cover for cost of cleaning undamaged items<br>• Damage to external paintwork not covered if this is the only storm surge damage<br>• 72 hour waiting period
• Covered<br>• Also covers damage caused by power surge<br>• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm surge<br>• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered<br>• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement<br>• No cover for cracking of sealed paths, roads or driveways<br>• No cover for sporting surfaces or courts<br>• No cover for retaining or free-standing outdoor walls<br>• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair<br>• No cover for garden borders<br>• No cover for revetments or sea walls<br>• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories<br>• No cover for cost of cleaning undamaged items<br>• Damage to external paintwork not covered if this is the only storm surge damage<br>• 72 hour waiting period
• Covered<br>• No cover for damage caused by power surge<br>• No cover for damage caused by hydrostatic pressure building up behind or below any part of home<br>• No cover for damage caused by rising damp or water absorbed through floors or walls<br>• No cover for shade cloth, sail cloth or fabric awnings<br>• No cover for lawns or grass<br>• No cover for swimming pools or spas or their covers and liners<br>• No cover for water in swimming pools and spas<br>• 72 hour waiting period
• Covered<br>• No cover for damage caused by power surge<br>• No cover for damage caused by hydrostatic pressure building up behind or below any part of home<br>• No cover for damage caused by rising damp or water absorbed through floors or walls<br>• No cover for shade cloth, sail cloth or fabric awnings<br>• No cover for lawns or grass<br>• No cover for swimming pools or spas or their covers and liners<br>• No cover for water in swimming pools and spas<br>• 72 hour waiting period
• Covered<br>• Also covers damage caused by erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement<br>• Up to 10% building sum insured for paths, driveways, gates, fences, paving, freestanding or retaining walls and garden borders<br>• No cover for damage caused by underground (hydrostatic) water<br>• No cover for tennis courts, unsealed paths or driveways<br>• No cover for paths, driveways, paving, gates, fences, freestanding or retaining walls or garden borders that are not structurally sound or maintained in a reasonable manner<br>• No cover for glasshouses or greenhouses<br>• No cover for wharves, jetties, pontoons or sea walls<br>• No cover for swimming pools or spas or their covers or liners except for permanently attached hard lid style pool covers<br>• No cover for water in a tank, swimming pool or spa<br>• No cover for cost of cleaning out mud or debris in a tank, swimming pool or spa<br>• No cover for any part of the home that is not fully built<br>• Damage to paint not covered when there is no structural damage to other parts of the home<br>• Storm surge covered only if it occurs at the same time property is damaged by a storm<br>• 72 hour waiting period
• Covered<br>• Also covers damage caused by power surge<br>• Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm surge<br>• No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered<br>• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement<br>• No cover for cracking of sealed paths, roads or driveways<br>• No cover for sporting surfaces or courts<br>• No cover for retaining or free-standing outdoor walls<br>• No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair<br>• No cover for garden borders<br>• No cover for revetments or sea walls<br>• No cover for pontoons, mooring poles or boat jetties or their attachments or accessories<br>• No cover for cost of cleaning undamaged items<br>• Damage to external paintwork not covered if this is the only storm surge damage<br>• 72 hour waiting period
• Covered<br>• No cover for damage caused by power surge<br>• No cover for damage caused by hydrostatic pressure building up behind or below any part of home<br>• No cover for damage caused by rising damp or water absorbed through floors or walls<br>• No cover for shade cloth, sail cloth or fabric awnings<br>• No cover for lawns or grass<br>• No cover for swimming pools or spas or their covers and liners<br>• No cover for water in swimming pools and spas<br>• 72 hour waiting period
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
• Covers damage caused by impact from outside the building<br>• Includes damage caused by motor vehicles, falling trees, debris from nearby construction sites, power poles, drones or birds<br>• No cover for damage caused by roots of trees, plants, shrubs or hedges<br>• No cover for damage caused by lopping or felling of trees if performed or authorised by a resident, unless done by a professional tree removal business<br>• No cover for damage caused by animals or birds kept at the address; or animals or birds pecking, biting, clawing or chewing your property<br>• Does not cover costs to remove or dispose of tree stumps or branches that have not damaged the home
• Covers damage caused by impact from outside the building<br>• Includes damage caused by motor vehicles, falling trees, debris from nearby construction sites, power poles, drones or birds<br>• No cover for damage caused by roots of trees, plants, shrubs or hedges<br>• No cover for damage caused by lopping or felling of trees if performed or authorised by a resident, unless done by a professional tree removal business<br>• No cover for damage caused by animals or birds kept at the address; or animals or birds pecking, biting, clawing or chewing your property<br>• Does not cover costs to remove or dispose of branches or tree stumps that have not damaged the home
• Covers damage caused by impact from outside the building<br>• Includes damage caused by motor vehicles, falling trees, debris from nearby construction sites, power poles, drones or birds<br>• No cover for damage caused by roots of trees, plants, shrubs or hedges<br>• No cover for damage caused by lopping or felling of trees if performed or authorised by a resident, unless done by a professional tree removal business<br>• No cover for damage caused by animals or birds kept at the address; or animals or birds pecking, biting, clawing or chewing your property<br>• Does not cover costs to remove or dispose of tree stumps or branches that have not damaged the home
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by impact from outside the building<br>• Includes damage caused by motor vehicles, falling trees, debris from nearby construction sites, power poles, drones or birds<br>• No cover for damage caused by roots of trees, plants, shrubs or hedges<br>• No cover for damage caused by lopping or felling of trees if performed or authorised by a resident, unless done by a professional tree removal business<br>• No cover for damage caused by animals or birds kept at the address; or animals or birds pecking, biting, clawing or chewing your property<br>• Does not cover costs to remove or dispose of tree stumps or branches that have not damaged the home
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by impact from outside the building<br>• Includes damage caused by motor vehicles, falling trees, debris from nearby construction sites, power poles, drones or birds<br>• No cover for damage caused by roots of trees, plants, shrubs or hedges<br>• No cover for damage caused by lopping or felling of trees if performed or authorised by a resident, unless done by a professional tree removal business<br>• No cover for damage caused by animals or birds kept at the address; or animals or birds pecking, biting, clawing or chewing your property<br>• Does not cover costs to remove or dispose of tree stumps or branches that have not damaged the home
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by falling trees or tree branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove or lop trees which have fallen but not damaged the home
• Covers damage caused by falling trees or tree branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove or lop trees which have fallen but not damaged the home
• Covers damage caused by falling trees or branches<br>• Covers damage caused by vehicles; watercraft; or objects falling from a vehicle, watercraft or aircraft<br>• Covers damage caused by power poles, flagpoles or masts<br>• Covers damage caused by aerials or satellite dishes<br>• Covers damage caused by aircraft, space debris, meteorites or asteroids<br>• Accidental damage option covers damage caused by your actions or those of someone acting with your authority<br>• No cover for damage caused by pruning, transplanting, tree lopping or felling by you or anyone acting on your behalf<br>• No cover for damage to driveways, paths, paving or underground services caused by vehicles, cranes or earthmoving equipment<br>• Does not cover cost of removing or pruning fallen trees or branches that have not damaged the property<br>• Does not cover cost of removing the stump of the tree that caused the impact
• Covers damage caused by trees or tree branches<br>• Covers damage caused by motor vehicles or watercraft<br>• Covers damage caused by satellite dishes, solar hot water tanks or aerials<br>• Covers damage caused by aircraft; space debris; or debris from a rocket or satellite<br>• No cover for damage caused by tree lopping or felling by a resident or someone with resident's consent<br>• No cover for damage to underground services caused by motor vehicles or watercraft<br>• Does not cover costs to remove and dispose of trees, branches or stump of the tree that caused the impact<br>• Does not cover contents in the open air
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping branches or trees that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree roots<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove trees which have fallen but not damaged the home
• Covers damage caused by falling trees or branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree roots<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove trees which have fallen but not damaged the home
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by falling trees or tree branches<br>• Covers damage caused by vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes, television or radio aerials breaking or collapsing<br>• Covers damage caused by animals<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree felling or lopping at the address<br>• No cover for damage to driveways, paths, paving or underground services caused by vehicles, cranes or earthmoving equipment<br>• No cover for damage caused by animals kept at the address or domestic animals<br>• Does not cover removing or lopping trees which have fallen but not damaged the home<br>• Does not cover removing stumps
• Covers damage caused by falling trees or branches<br>• Covers damage caused by trains, vehicles, trailers, caravans, watercraft or hovercraft<br>• Covers damage caused by television, radio or satellite aerials (including masts and fittings)<br>• Covers damage caused by aircraft, spacecraft, satellites or space debris<br>• Covers damage caused by any part of, or anything carried by, the items listed above<br>• Covers costs to remove fallen trees or branches that cause the damage<br>• Covers costs to fell and prune or remove trees and parts of trees that cause the damage, if recommended by a qualified professional due to the risk of further impending damage<br>• Covers costs to treat stumps to prevent further growth<br>• No cover for damage caused by tree lopping, pruning or felling done by you or with your consent<br>• No cover for damage caused by wheels, tyres or weight of a vehicle fixtures such as paths, driveways, bridges, culverts, or underground pipes, cables or utilities<br>• Does not cover costs to remove stumps<br>• Does not cover radio, satellite or television aerials or fittings or masts that cause the damage
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address<br>• Does not cover costs to remove trees or branches when there is no damage to buildings or contents<br>• Does not cover costs to remove tree stumps unless required to allow for repairs or rebuilding
• Covers damage caused by falling trees or parts of a tree<br>• Covers damage caused by or arising from the use of a vehicle (including aircraft and water-borne craft)<br>• Covers damage caused by falling power poles or communication poles, towers or lines<br>• Covers damage caused by aerials or satellite dishes<br>• Covers damage caused by animals (unless it is kept at the address)<br>• Covers damage caused by space debris; or debris from an aircraft, rocket or satellite<br>• No cover for damage caused by roots of trees, plants, shrubs or hedges<br>• No cover for damage caused by tree-felling or lopping at the address<br>• No cover for damage to roads, driveways, paths, paving, bridges, causeways or underground services caused by vehicles, cranes or earth moving equipment<br>• Does not cover removal and disposal of fallen trees or branches or other objects unless required to undertake repairs to the home<br>• Does not cover removal and disposal of tree stumps or tree roots that are still in the ground<br>• Does not cover items that cause the impact damage<br>• Does not cover removal and disposal of debris or other objects unless required to undertake repairs to the home
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by power poles<br>• Covers damage caused by satellite dishes; antennas; solar panels; rooftop hot water tanks; or items on a roof if it collapses or breaks<br>• Covers damage caused by animals (except pets kept at the home)<br>• Covers damage caused by aircraft; drones; falling objects; space debris; or anything dropped from an aircraft or drone<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address<br>• Does not cover costs to remove trees or branches when there is no damage to buildings or contents<br>• Does not cover costs to remove tree stumps unless required to allow for repairs or rebuilding
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping branches or trees that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping branches or trees that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or branches<br>• Covers damage caused by motor vehicles, trailers, caravans or watercraft<br>• Covers damage caused by power poles<br>• Covers damage caused by satellite dishes; or television or radio aerials<br>• Covers damage caused by debris falling from the air, space, an aircraft, rocket, satellite or drone<br>• No cover for damage caused by roots of trees, plants, hedges or shrubs<br>• No cover for damage caused by lopping or felling trees<br>• No cover for damage to driveways, garage floors, carport floors, paths, paving or underground services caused by motor vehicles, cranes or earthmoving equipment<br>• No cover for damage to contents caused by ceiling collapse that you should have expected, but took inadequate steps to prevent or avoid<br>• Does not cover costs to remove tree stumps or roots still in the ground
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping trees or branches that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping branches or trees that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping trees or branches that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping trees or branches that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or tree branches<br>• Covers damage caused by vehicles or water-borne craft<br>• Covers damage caused by aerials<br>• Covers damage caused by aircraft; space debris; or debris from an aircraft, rocket or satellite<br>• No cover for damage caused by tree roots<br>• No cover for damage caused by tree felling or lopping at your address<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earth moving equipment<br>• Does not cover removing tree stumps from the ground<br>• Does not cover removing trees that have fallen and not damaged your building<br>• Does not cover commercial aerials, antennas or masts
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping trees or branches that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by vehicles<br>• Covers damage caused by masts<br>• Covers damage caused by aerials<br>• Covers damage caused by animals (except those kept at the address)<br>• Covers damage caused by aircraft, spacecraft, space debris or meteorites<br>• No cover for damage caused by trees or branches lopped by you or on your behalf
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping trees or branches that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by trees or tree branches<br>• Covers damage caused by motor vehicles or watercraft<br>• Covers damage caused by satellite dishes, solar hot water tanks or aerials<br>• Covers damage caused by aircraft; space debris; or debris from a rocket or satellite<br>• No cover for damage caused by tree lopping or felling by a resident or someone with resident's consent<br>• No cover for damage to underground services caused by motor vehicles or watercraft<br>• Does not cover costs to remove and dispose of trees, branches or stump of the tree that caused the impact<br>• Does not cover contents in the open air
• Covers damage caused by trees or tree branches<br>• Covers damage caused by motor vehicles or watercraft<br>• Covers damage caused by satellite dishes, solar hot water tanks or aerials<br>• Covers damage caused by aircraft; space debris; or debris from a rocket or satellite<br>• No cover for damage caused by tree lopping or felling by a resident or someone with resident's consent<br>• No cover for damage to underground services caused by motor vehicles or watercraft<br>• Does not cover costs to remove and dispose of trees, branches or stump of the tree that caused the impact<br>• Does not cover contents in the open air
• Covers damage caused by falling trees or branches<br>• Covers damage caused by vehicles, caravans or watercraft<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by falling debris from space, aircraft, rockets or satellites<br>• Covers damage to contents caused by ceiling collapse<br>• No cover for damage caused by roots of trees, plants, hedges or shrubs<br>• No cover for damage caused by lopping or felling trees by or at the request of a resident, guest or insured<br>• No cover for damage to paths, paving or underground services caused by road vehicles<br>• Does not cover costs to remove fallen trees or branches that have not caused damage to the building
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Included under accidental damage cover<br>• No cover for damage caused by the action of trees or their roots<br>• No cover for damage caused by trees or branches lopped by you or on your behalf<br>• No cover for damage caused by animals kept at the address<br>• Does not cover removal of fallen trees or branches where no damage to your home has occurred
• Covers damage caused by falling trees or tree branches<br>• Covers damage caused by vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes, television or radio aerials breaking or collapsing<br>• Covers damage caused by animals<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree felling or lopping at the address<br>• No cover for damage to driveways, paths, paving or underground services caused by vehicles, cranes or earthmoving equipment<br>• No cover for damage caused by animals kept at the address or domestic animals<br>• Does not cover removing or lopping trees which have fallen but not damaged the home<br>• Does not cover removing stumps
• Covers damage caused by falling trees or tree branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove or lop trees which have fallen but not damaged the home
• Covers damage caused by falling trees or tree branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove or lop trees which have fallen but not damaged the home
• Covers damage caused by falling trees or tree branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove or lop trees which have fallen but not damaged the home
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping trees or branches that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree roots<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove trees which have fallen but not damaged the home
• Covers damage caused by falling trees or branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree roots<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove trees which have fallen but not damaged the home
• Covers damage caused by trees or tree branches<br>• Covers damage caused by motor vehicles or watercraft<br>• Covers damage caused by satellite dishes, solar hot water tanks or aerials<br>• Covers damage caused by aircraft; space debris; or debris from a rocket or satellite<br>• No cover for damage caused by tree lopping or felling by a resident or someone with resident's consent<br>• No cover for damage to underground services caused by motor vehicles or watercraft<br>• Does not cover costs to remove and dispose of trees, branches or stump of the tree that caused the impact<br>• Does not cover contents in the open air
• Covers damage caused by falling trees or tree branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove or lop trees which have fallen but not damaged the home
• Covers damage caused by falling trees or branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree roots<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove trees which have fallen but not damaged the home
• Covers damage caused by falling trees or branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree roots<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove trees which have fallen but not damaged the home
• Covers damage caused by falling trees or branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree roots<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove trees which have fallen but not damaged the home
• Covers damage caused by falling trees or branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree roots<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove trees which have fallen but not damaged the home
Animal damage
• Covers impact damage caused by animals/birds not kept at address
• Accidental damage option covers impact damage caused by animals/birds kept at address
• No cover for damage caused by animals/birds biting, chewing, clawing or pecking
• No cover for damage caused by insects, lizards, rodents, termites or vermin
• Covers impact damage caused by animals/birds not kept at address
• Accidental damage option covers impact damage caused by animals/birds kept at address
• No cover for damage caused by animals/birds biting, chewing, clawing or pecking
• No cover for damage caused by insects, lizards, rodents, termites or vermin
• Covers impact damage caused by animals/birds not kept at address
• Accidental damage option covers impact damage caused by animals/birds kept at address
• No cover for damage caused by animals/birds biting, chewing, clawing or pecking
• No cover for damage caused by insects, lizards, rodents, termites or vermin
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers impact damage caused by animals/birds not kept at address
• Accidental damage option covers impact damage caused by animals/birds kept at address
• No cover for damage caused by animals/birds biting, chewing, clawing or pecking
• No cover for damage caused by insects, lizards, rodents, termites or vermin
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers impact damage caused by animals/birds not kept at address
• Accidental damage option covers impact damage caused by animals/birds kept at address
• No cover for damage caused by animals/birds biting, chewing, clawing or pecking
• No cover for damage caused by insects, lizards, rodents, termites or vermin
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers damage caused by animals not kept at the premises
• Covers fire caused by amphibians, insects, lizards, pets, rodents, vermin or other animals kept at or allowed onto premises
• Covers damage caused by birds that are accidentally trapped inside building biting, chewing, clawing, pecking, scratching, soiling, tearing or urinating
• Covers damage caused by amphibians, insects, lizards, rodents or vermin escaping water
• Accidental damage option covers damage caused by pets or other animals kept at or allowed onto premises
• No cover for damage caused by any other animal biting, chewing, clawing, pecking, scratching, soiling, tearing or urinating
• Covers damage caused by animals not kept at the home
• Covers bird damage to door/window glass
• No cover for damage caused by bedbugs, birds, cockroaches, fleas, lice, mice, parasites, pests, rats, termites or pets/other animals kept at the home
• Covered as accidental damage
• Covers damage caused by animals inside the home that you didn't know were there (or a reasonable person in the circumstances couldn't have known) or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals allowed at the address by a resident or animals you own or are responsible for
• Covered as accidental damage
• No cover for damage caused by any animal chewing, scratching, soiling or tearing
• No cover for damage caused by birds, vermin, wildlife or insects (including termites)
• Covered as accidental damage
• No cover for damage caused by any animal chewing, scratching, soiling or tearing
• No cover for damage caused by birds, vermin, wildlife or insects (including termites)
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at site
• Covers fire and water/oil leaks caused by insects or vermin
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers impact damage caused by animals not kept at the address
• No cover for damage caused by birds, domestic animals, vermin, animals kept at the address or insects (including termites)
• Covers damage caused by animals/birds accidentally trapped inside living area
• Covers damage caused by animals/birds colliding with property
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by your pets or animals at property with permission
• No cover for damage to enclosed crawl space, outside of buildings, roof cavity or contents in the open air caused by chewing, clawing, eating, fouling, pecking, scratching, soiling or polluting in any way
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers impact damage caused by animals not kept at address
• Covers damage caused by animals/birds accidentally trapped at address biting, chewing, clawing, pecking or urinating/excreting/vomiting
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for impact damage caused by animals belonging to/in care of resident/someone at address with consent of resident
• Up to $5000 for damage caused by trapped animals
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for damage caused by birds, insects or pets kept at the address
• Covers damage caused by animals inside the home that you didn't know were there (or a reasonable person in the circumstances couldn't have known) or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals owned by or cared for or allowed at the address by a resident
• No cover for damage caused by animals/birds biting, chewing, clawing, pecking, scratching, tearing or urinating/excreting
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers damage caused by animals inside the home that you didn't know were there (or a reasonable person in the circumstances couldn't have known) or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals allowed at the address by a resident or animals you own or are responsible for
• Covers damage caused by animals not kept at property
• Covers damage caused by animals that become accidentally trapped inside home biting, chewing, pecking, scratching, tearing or urinating/excreting
• Covers fire and escape of liquid caused by bedbugs, birds, cockroaches, fleas, insects, lice, mice, rabbits, rats, termites or vermin
• No cover for damage caused by pets at property with resident consent or pets owned/kept/cared for by resident
• Covers damage caused by animals inside the building that you didn't know about or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals owned by/under care of/allowed on the property by a resident or someone staying at the home
• No cover for damage caused by animals/birds biting, chewing, clawing, pecking, scratching, tearing or urinating/excreting
• Covers damage caused by animals inside the home that you didn't know were there (or a reasonable person in the circumstances couldn't have known) or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals owned by or cared for or allowed at the address by a resident
• No cover for damage caused by animals/birds biting, chewing, clawing, pecking, scratching, tearing or urinating/excreting
• Covers damage caused by animals inside the home that you didn't know were there (or a reasonable person in the circumstances couldn't have known) or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals owned by or cared for or allowed at the address by a resident
• No cover for damage caused by animals/birds biting, chewing, clawing, pecking, scratching, tearing or urinating/excreting
• Covers damage caused by animals inside the building that you didn't know about or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals owned by/under care of/allowed on the property by a resident or someone staying at the home
• No cover for damage caused by animals/birds biting, chewing, clawing, pecking, scratching, tearing or urinating/excreting
• Covers damage caused by animals/birds not kept at site
• No cover for damage to building exterior by animals/birds caused by biting, chewing, clawing, pecking, soiling or tearing
• No cover for damage caused by insects, rodents, termites or vermin
• Covers damage caused by animals inside the home that you didn't know were there (or a reasonable person in the circumstances couldn't have known) or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals owned by or cared for or allowed at the address by a resident
• No cover for damage caused by animals/birds biting, chewing, clawing, pecking, scratching, tearing or urinating/excreting
• Covers impact damage caused by animals not kept at the address
• No cover for damage caused by birds, insects or vermin
• Covers damage caused by animals inside the home that you didn't know were there (or a reasonable person in the circumstances couldn't have known) or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals owned by or cared for or allowed at the address by a resident
• No cover for damage caused by animals/birds biting, chewing, clawing, pecking, scratching, tearing or urinating/excreting
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers damage caused by animals not kept at the home
• Covers bird damage to door/window glass
• No cover for damage caused by bedbugs, birds, cockroaches, fleas, lice, mice, parasites, pests, rats, termites or pets/other animals kept at the home
• Covers damage caused by animals not kept at the home
• Covers bird damage to door/window glass
• No cover for damage caused by bedbugs, birds, cockroaches, fleas, lice, mice, parasites, pests, rats, termites or pets/other animals kept at the home
• Covers damage caused by animals
• Covers fire caused by birds, insects, mice, rabbits, rats, reptiles, spiders, termites or vermin
• No cover for damage caused by pets at the home with permission or pets owned/kept/cared for by residents or guests
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers damage caused by animals not kept at the address
• No cover for damage caused by birds, insects, moths, termites or vermin chewing, clawing, eating or pecking
• Covers impact damage caused by animals not kept at the address
• No cover for damage caused by birds, domestic animals, vermin, animals kept at the address or insects (including termites)
• Covers damage caused by animals inside the home that you didn't know were there (or a reasonable person in the circumstances couldn't have known) or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals owned by or cared for or allowed at the address by a resident
• No cover for damage caused by animals/birds biting, chewing, clawing, pecking, scratching, tearing or urinating/excreting
• Covers damage caused by animals not kept at the home
• Covers bird damage to door/window glass
• No cover for damage caused by bedbugs, birds, cockroaches, fleas, lice, mice, parasites, pests, rats, termites or pets/other animals kept at the home
Escape of liquid
Breakage
Accidental damage
• Optional
• Covers accidental loss and damage to home and contents
• Covers impact damage caused by animals or birds kept at the address
• Covers scorch marks caused by a hot pan on your benchtop
• Covers ash, heat, smoke or soot when no fire damage has occurred
• Covers melting or scorching when there is heat but no flame
• Covers accidental breakage of glass and crystal items designed to be carried by hand
• Covers accidental breakage of glass in a TV, radio, tablet or visual display unit or that forms part of a radio, clock, vase, ornament or lamp
• No cover for aircraft, drones or model craft and their accessories
• No cover for audio or video tapes or clothing or accessories
• No cover for bicycles; e-bikes; scooters; e-scooters or sporting, recreational or leisure goods or equipment while being used
• No cover for cash, cheques or gift cards or other similar financial items
• No cover for CDs, DVDs, digital storage devices, records, computer software, game cartridges or game consoles
• No cover for items used in business, trade or profession
• No cover for mobile phones, smart phones or smart devices or their accessories
• No cover for swimming pools or spas or any associated equipment
• No cover for damage caused by computer viruses; malfunction to computer systems; loss or corruption of data; tenants living in the home; paying guests staying in the home; intentional or deliberate acts; construction, alteration or renovation work; power surge or fluctuation (unless caused by lightning strike); processes of professional cleaning, repairing, restoring or renovation; or cleaning involving chemicals other than domestic household chemicals
• No cover for other damage caused by animals, birds or their excrement
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for chipping, denting or scratching caused by normal use
• Optional
• Covers accidental loss and damage to home and contents
• Covers impact damage caused by animals or birds kept at the address
• Covers scorch marks caused by a hot pan on your benchtop
• Covers ash, heat, smoke or soot when no fire damage has occurred
• Covers melting or scorching when there is heat but no flame
• Covers accidental breakage of glass and crystal items designed to be carried by hand
• Covers accidental breakage of glass in a TV, radio, tablet or visual display unit or that forms part of a radio, clock, vase, ornament or lamp
• No cover for aircraft, drones or model craft and their accessories
• No cover for audio or video tapes or clothing or accessories
• No cover for bicycles; e-bikes; scooters; e-scooters or sporting, recreational or leisure goods or equipment while being used
• No cover for cash, cheques or gift cards or other similar financial items
• No cover for CDs, DVDs, digital storage devices, records, computer software, game cartridges or game consoles
• No cover for items used in business, trade or profession
• No cover for mobile phones, smart phones or smart devices or their accessories
• No cover for swimming pools or spas or any associated equipment
• No cover for damage caused by computer viruses; malfunction to computer systems; loss or corruption of data; tenants living in the home; paying guests staying in the home; intentional or deliberate acts; construction, alteration or renovation work; power surge or fluctuation (unless caused by lightning strike); processes of professional cleaning, repairing, restoring or renovation; or cleaning involving chemicals other than domestic household chemicals
• No cover for other damage caused by animals, birds or their excrement
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for chipping, denting or scratching caused by normal use
• Optional
• Covers accidental loss and damage to home and contents
• Covers impact damage caused by animals or birds kept at the address
• Covers scorch marks caused by a hot pan on your benchtop
• Covers ash, heat, smoke or soot when no fire damage has occurred
• Covers melting or scorching when there is heat but no flame
• Covers accidental breakage of glass and crystal items designed to be carried by hand
• Covers accidental breakage of glass in a TV, radio, tablet or visual display unit or that forms part of a radio, clock, vase, ornament or lamp
• No cover for aircraft, drones or model craft and their accessories
• No cover for audio or video tapes or clothing or accessories
• No cover for bicycles; e-bikes; scooters; e-scooters or sporting, recreational or leisure goods or equipment while being used
• No cover for cash, cheques or gift cards or other similar financial items
• No cover for CDs, DVDs, digital storage devices, records, computer software, game cartridges or game consoles
• No cover for items used in business, trade or profession
• No cover for mobile phones, smart phones or smart devices or their accessories
• No cover for swimming pools or spas or any associated equipment
• No cover for damage caused by computer viruses; malfunction to computer systems; loss or corruption of data; tenants living in the home; paying guests staying in the home; intentional or deliberate acts; construction, alteration or renovation work; power surge or fluctuation (unless caused by lightning strike); processes of professional cleaning, repairing, restoring or renovation; or cleaning involving chemicals other than domestic household chemicals
• No cover for other damage caused by animals, birds or their excrement
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for chipping, denting or scratching caused by normal use
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers impact damage caused by animals or birds kept at the address
• Covers scorch marks caused by a hot pan on your benchtop
• Covers ash, heat, smoke or soot when no fire damage has occurred
• Covers melting or scorching when there is heat but no flame
• Covers accidental breakage of glass and crystal items designed to be carried by hand
• Covers accidental breakage of glass in a TV, radio, tablet or visual display unit or that forms part of a radio, clock, vase, ornament or lamp
• No cover for aircraft, drones or model craft and their accessories
• No cover for audio or video tapes or clothing or accessories
• No cover for bicycles; e-bikes; scooters; e-scooters or sporting, recreational or leisure goods or equipment while being used
• No cover for cash, cheques or gift cards or other similar financial items
• No cover for CDs, DVDs, digital storage devices, records, computer software, game cartridges or game consoles
• No cover for items used in business, trade or profession
• No cover for mobile phones, smart phones or smart devices or their accessories
• No cover for swimming pools or spas or any associated equipment
• No cover for damage caused by computer viruses; malfunction to computer systems; loss or corruption of data; tenants living in the home; paying guests staying in the home; intentional or deliberate acts; construction, alteration or renovation work; power surge or fluctuation (unless caused by lightning strike); processes of professional cleaning, repairing, restoring or renovation; or cleaning involving chemicals other than domestic household chemicals
• No cover for other damage caused by animals, birds or their excrement
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for chipping, denting or scratching caused by normal use
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers impact damage caused by animals or birds kept at the address
• Covers scorch marks caused by a hot pan on your benchtop
• Covers ash, heat, smoke or soot when no fire damage has occurred
• Covers melting or scorching when there is heat but no flame
• Covers accidental breakage of glass and crystal items designed to be carried by hand
• Covers accidental breakage of glass in a TV, radio, tablet or visual display unit or that forms part of a radio, clock, vase, ornament or lamp
• No cover for aircraft, drones or model craft and their accessories
• No cover for audio or video tapes or clothing or accessories
• No cover for bicycles; e-bikes; scooters; e-scooters or sporting, recreational or leisure goods or equipment while being used
• No cover for cash, cheques or gift cards or other similar financial items
• No cover for CDs, DVDs, digital storage devices, records, computer software, game cartridges or game consoles
• No cover for items used in business, trade or profession
• No cover for mobile phones, smart phones or smart devices or their accessories
• No cover for swimming pools or spas or any associated equipment
• No cover for damage caused by computer viruses; malfunction to computer systems; loss or corruption of data; tenants living in the home; paying guests staying in the home; intentional or deliberate acts; construction, alteration or renovation work; power surge or fluctuation (unless caused by lightning strike); processes of professional cleaning, repairing, restoring or renovation; or cleaning involving chemicals other than domestic household chemicals
• No cover for other damage caused by animals, birds or their excrement
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for chipping, denting or scratching caused by normal use
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doors
• No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the pool
• No cover for chipping, denting or scratching caused by normal use
• Optional
• Choose cover for building, contents, or both
• Covers accidental loss and damage to home and contents
• No cover for business items (insurable under a separate option)
• No cover for items which have reached the end of their functional life or kept at a storage facility
• No cover for retaining walls, jetties or pontoons
• No cover for swimming pools or outdoor spas including covers and liners
• No cover for damage caused by earthworks, construction or renovation
• No cover for burning, melting or scorching caused by processes that involve heat or fire relating to any substance designed to be burned or heated up
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout
• Covers fully enclosed and lockable parts of the home
• Covers furniture; furnishings; household decorative items; works of art; wall hangings; household ornaments; televisions; visual display units; kitchen, dining room, lounge room, bedroom and bathroom wares; floor carpets and household and domestic electrical and electronic goods
• Covers personal computer equipment and associated hardware
• No cover for cracking, chipping or breakage of handheld glass, glassware or china items while being used
• No cover for fish tanks
• No cover for outdoor swimming pools or spas and equipment, including covers and liners
• Separate optional cover available for mobile phones
• Up to 5% contents sum insured for contents in the open air
• No cover for minor dents, scratches or chips
• No cover for damage caused by power surge (unless caused by another insured event); or mechanical, electrical or electronic breakdown or failure of items (except motor burnout)
• No cover for burning, melting or scorching caused by processes that involve heat or fire, cigaretes, cigars, pipes, tobacco, ash or other substances designed to be burned or heated up
• No cover for damage if you rent out your home
• Covered by default
• Covers accidental loss and damage to home and contents
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doors
• No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the pool
• No cover for chipping, denting or scratching caused by normal use
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doors
• No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the pool
• No cover for chipping, denting or scratching caused by normal use
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at your site; or any process of cleaning involving the use of chemicals
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for accidental breakage of glass forming part of a stove top, cooking surface, heater or oven door or in a glasshouse or greenhouse or in the roof of a conservatory, sunroom, or similar
• No cover for bicycles, sporting or fishing equipment, musical instruments or remote controlled aircraft or drones while in use
• No cover for driveways, paths or tennis courts and other ground surfaces
• No cover for trees, plants, shrubs, jewellery, watches, food, medications, cash, gift vouchers, negotiable instruments or mobile phones
• No cover for damage caused by normal use resulting in scratching, chipping or denting; domestic pets, animals or livestock at the address with permission of a resident; tree felling or lopping; subsidence; landslide; mudslide; or collapse
• No cover for swimming pools caused by or contributed to by you lowering the level of water
• No cover for damage that occurs gradually
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by power surge
• Covers charring, melting or scorching caused by heat generated from items in the ordinary course of their use and smoking items
• Covers accidental loss where you have taken reasonable steps to find or recover lost contents
• Covers accidental breakage of crockery, glassware and glass vases and ornaments
• Covers accidental breakage of glass components of items worn or carried by hand
• Covers accidental breakage of glass forming part of clocks, pictures, televisions, radios or computer monitors
• Covers contents in the open air
• Covers theft and burglary of cash, vouchers, coupons, gift cards, money orders and negotiable financial documents when there is forcible entry involving actual or threatened violence to a person, or that causes damage to the buildings
• Covers theft and burglary of unattended unattended jewellery in the open air or in an unlocked vehicle, caravan or trailer in the open air at your property
• Covers theft and burglary of watches, mobile phones and portable portable electronic items
• No cover for bicycles, drones, personal mobility devices, watercraft, power driven items or sporting equipment while being used
• No cover for items used by you or your family for earning any income, while being used
• No cover for model aircraft
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by escape of liquid from a portable container
• Covers scorching where there is no flame
• No cover for cash; mobile phones; portable electronic devices; computers; laptops; swimming pool liners and covers or remote controlled, model or toy vehicles, watercraft, aircraft or drones
• No cover for photographs or films or other visual images stored electronically or on any other medium including hard copies
• No cover for property belonging to visitors
• No cover for ride-on lawnmowers; motorised wheelchairs; mobility scooters; musical instruments; fishing rods; bicycles; sporting, leisure or recreational equipment or non-motorised watercraft while in use
• No cover for damage caused by animals, birds or insects pecking, biting clawing or chewing; animal, bird or insect urine, excrement or vomit; building, renovating or altering the home (unless you are painting; renters; tenants; guests; boarders; or mechanical or electrical breakdown
• No cover for loss of items which have been misplaced
• Optional
• Covers accidental loss and damage to home and contents
• Covers water damage caused by a sink, bath or basin overflowing due to a tap being left running with the plug left in the drain
• Covers storm caused by rainwater, hail, wind or water that enters your building through an open door, window or other opening (except openings made by the storm)
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles, glass in crockery, porcelain, china, hand mirrors, glassware and crystal or glass in clocks, vases and ornaments
• Covers accidental breakage of glass in computer monitors, laptops, mobile phones, smart watches and tablets where there is no other damage caused to the item
• Covers jewellery, watches, laptops, portable electronic items, mobile phones and gold and silver items outside or in the open air
• Optional
• Covers accidental loss and damage to home and contents
• Covers bicycles while in use, provided they aren't being used for racing or pace-making
• No cover for boat jetties, pontoons or mooring poles and their attachments and accessories
• No cover for cracking of sealed paths, driveways or roads
• No cover for damage caused by road vehicles, cranes or earthmoving equipment to driveways, paths, paving or underground services
• No cover for damage caused to the home by earthworks or construction undertaken by a neighbour
• No cover for gates or fences that would be considered by a reasonable person to be in an obvious state of disrepair before the loss or damage occurred
• No cover for retaining, sea or free-standing outdoor walls; revetments; garden borders or sporting surfaces or courts
• No cover for shower bases tiled or otherwise
• No cover for sporting, recreational or leisure goods while in use
• No cover for tanks or containers that burst or leak
• No cover for damage caused by failure or shutdown of electricity supply; liquid escaping from agricultural or overflow pipes; animals or birds pecking, biting, clawing, scratching, tearing or chewing the building; animal or bird urine and excrement; building, renovating or altering the home (except for spilling paint); physical assaults; death; tenants; paying guests; or boarders
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for food spoilage caused by failure or shutdown of electricity supply
• No cover for pollution or vapour caused by home heaters or cooking appliances
• No cover for damage that occurs gradually or if you're unable to establish the accidental loss or damage took place at a certain time and date
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout
• Covers scorching and melting
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout
• Covers scorching and melting
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout
• Covers scorching and melting
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout
• Covers scorching and melting
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Choose cover for building, contents, or both
• Covers accidental loss and damage to home and contents
• Covers damage caused by power surge
• No cover for cracking, chipping or breakage of handheld glass, glassware or items made of china while being used
• No cover for freestanding, retaining or sea walls; e-bikes; e-scooters; motorbikes; trail bikes; mini-bikes; quad bikes; all-terrain vehicles; trikes or motorised go-karts, golf kats or scooters
• No cover for mechanical, electrical or electronic breakdown of items except for motor burnout or power surge
• No cover for minor dents, scratches or chips of walls; floors or furniture
• No cover for swimming pools or outdoor spas or related equipment, including covers and liners
• No cover for burning, melting or scorching caused by cigarettes; cigars; pipes; tobacco; ash; or any substances designed to be burned, heated or ignited
• No cover for damage if your home has been rented to another person; while your home is being renovated; or after the first 90 days of the home being unoccupied, unless insurer agrees
• Optional
• Covers accidental loss and damage to home and contents
• Covers bicycles while in use, unless being used for racing or pace-making
• No cover for cash, smart cards, phone cards, vouchers, money orders or stamps (not in a collection) or documents able to be cashed or traded
• No cover for cracking of sealed tanks or containers
• No cover for retaining, sea or freestanding outdoor walls; revetments; garden borders; boat jetties; pontoons; mooring poles; walls; driveways; paths; roads or swimming pool liners or covers
• No cover for shower bases that burst or leak
• No cover for sporting surfaces or courts or their attachments and accessories
• No cover for sporting, recreational or leisure goods while in use
• No cover for swimming pool liners or covers or fence gates or fences that would be considered by a reasonable person to be in an obvious state of disrepair before the loss or damage occurred
• No cover for damage caused by insects; vermin; rodents; failure or shutdown of electricity supply; leaks from agricultural pipes or overflow pipes; animals or birds pecking, biting, clawing, scratching, tearing or chewing the building; animal or bird urine and excrement; building, renovating or altering the building (except spilling paint); physical assaults; death; tenants; paying guests; or boarders
• No cover for damage to buildings caused by earthworks or construction undertaken by a neighbour
• No cover for damage to driveways, paths or paving or underground services caused by road vehicles, cranes or earthmoving equipment
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for food spoilage caused by failure or shutdown of electricity supply
• No cover for pollution or vapour caused by home heaters or cooking appliances
• No cover for damage that occurs gradually or if you're unable to establish the accidental loss or damage took place at a certain time and date
• Optional
• Covers accidental loss and damage to home and contents
• Covers bicycles while in use, provided they aren't being used for racing or pace-making
• No cover for boat jetties, pontoons or mooring poles and their attachments and accessories
• No cover for cracking of sealed paths, driveways or roads
• No cover for damage caused by road vehicles, cranes or earthmoving equipment to driveways, paths, paving or underground services
• No cover for damage caused to the home by earthworks or construction undertaken by a neighbour
• No cover for gates or fences that would be considered by a reasonable person to be in an obvious state of disrepair before the loss or damage occurred
• No cover for retaining, sea or free-standing outdoor walls; revetments; garden borders or sporting surfaces or courts
• No cover for shower bases tiled or otherwise
• No cover for sporting, recreational or leisure goods while in use
• No cover for tanks or containers that burst or leak
• No cover for damage caused by failure or shutdown of electricity supply; liquid escaping from agricultural or overflow pipes; animals or birds pecking, biting, clawing, scratching, tearing or chewing the building; animal or bird urine and excrement; building, renovating or altering the home (except for spilling paint); physical assaults; death; tenants; paying guests; or boarders
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for food spoilage caused by failure or shutdown of electricity supply
• No cover for pollution or vapour caused by home heaters or cooking appliances
• No cover for damage that occurs gradually or if you're unable to establish the accidental loss or damage took place at a certain time and date
• Covered by default
• Covers accidental loss and damage to home and contents
• Covers bicycles while in use, provided they aren't being used for racing or pace-making
• No cover for boat jetties, pontoons or mooring poles and their attachments and accessories
• No cover for cracking of sealed paths, driveways or roads
• No cover for damage caused by road vehicles, cranes or earthmoving equipment to driveways, paths, paving or underground services
• No cover for damage caused to the home by earthworks or construction undertaken by a neighbour
• No cover for gates or fences that would be considered by a reasonable person to be in an obvious state of disrepair before the loss or damage occurred
• No cover for retaining, sea or free-standing outdoor walls; revetments; garden borders or sporting surfaces or courts
• No cover for shower bases tiled or otherwise
• No cover for sporting, recreational or leisure goods while in use
• No cover for tanks or containers that burst or leak
• No cover for damage caused by failure or shutdown of electricity supply; liquid escaping from agricultural or overflow pipes; animals or birds pecking, biting, clawing, scratching, tearing or chewing the building; animal or bird urine and excrement; building, renovating or altering the home (except for spilling paint); physical assaults; death; tenants; paying guests; or boarders
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for food spoilage caused by failure or shutdown of electricity supply
• No cover for pollution or vapour caused by home heaters or cooking appliances
• No cover for damage that occurs gradually or if you're unable to establish the accidental loss or damage took place at a certain time and date
• Optional
• Covers accidental loss and damage to home and contents
• Covers bicycles while in use, unless being used for racing or pace-making
• No cover for cash, smart cards, phone cards, vouchers, money orders or stamps (not in a collection) or documents able to be cashed or traded
• No cover for cracking of sealed tanks or containers
• No cover for retaining, sea or freestanding outdoor walls; revetments; garden borders; boat jetties; pontoons; mooring poles; walls; driveways; paths; roads or swimming pool liners or covers
• No cover for shower bases that burst or leak
• No cover for sporting surfaces or courts or their attachments and accessories
• No cover for sporting, recreational or leisure goods while in use
• No cover for swimming pool liners or covers or fence gates or fences that would be considered by a reasonable person to be in an obvious state of disrepair before the loss or damage occurred
• No cover for damage caused by insects; vermin; rodents; failure or shutdown of electricity supply; leaks from agricultural pipes or overflow pipes; animals or birds pecking, biting, clawing, scratching, tearing or chewing the building; animal or bird urine and excrement; building, renovating or altering the building (except spilling paint); physical assaults; death; tenants; paying guests; or boarders
• No cover for damage to buildings caused by earthworks or construction undertaken by a neighbour
• No cover for damage to driveways, paths or paving or underground services caused by road vehicles, cranes or earthmoving equipment
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for food spoilage caused by failure or shutdown of electricity supply
• No cover for pollution or vapour caused by home heaters or cooking appliances
• No cover for damage that occurs gradually or if you're unable to establish the accidental loss or damage took place at a certain time and date
• Optional
• Cover only available for contents
• No cover for electronic or mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for power driven items, sporting equipment, musical instruments or firearms while being used
• No cover for damage caused by processes of cleaning, repairing, restoring or altering your contents; animals; birds; or business activities you operate from your site
• Covered by default
• Covers accidental loss and damage to home and contents
• Covers bicycles while in use, provided they aren't being used for racing or pace-making
• No cover for boat jetties, pontoons or mooring poles and their attachments and accessories
• No cover for cracking of sealed paths, driveways or roads
• No cover for damage caused by road vehicles, cranes or earthmoving equipment to driveways, paths, paving or underground services
• No cover for damage caused to the home by earthworks or construction undertaken by a neighbour
• No cover for gates or fences that would be considered by a reasonable person to be in an obvious state of disrepair before the loss or damage occurred
• No cover for retaining, sea or free-standing outdoor walls; revetments; garden borders or sporting surfaces or courts
• No cover for shower bases tiled or otherwise
• No cover for sporting, recreational or leisure goods while in use
• No cover for tanks or containers that burst or leak
• No cover for damage caused by failure or shutdown of electricity supply; liquid escaping from agricultural or overflow pipes; animals or birds pecking, biting, clawing, scratching, tearing or chewing the building; animal or bird urine and excrement; building, renovating or altering the home (except for spilling paint); physical assaults; death; tenants; paying guests; or boarders
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for food spoilage caused by failure or shutdown of electricity supply
• No cover for pollution or vapour caused by home heaters or cooking appliances
• No cover for damage that occurs gradually or if you're unable to establish the accidental loss or damage took place at a certain time and date
• Covered by default
• Covers accidental loss and damage to home and contents
• Covers bicycles while in use, provided they aren't being used for racing or pace-making
• No cover for boat jetties, pontoons or mooring poles and their attachments and accessories
• No cover for cracking of sealed paths, driveways or roads
• No cover for damage caused by road vehicles, cranes or earthmoving equipment to driveways, paths, paving or underground services
• No cover for damage caused to the home by earthworks or construction undertaken by a neighbour
• No cover for gates or fences that would be considered by a reasonable person to be in an obvious state of disrepair before the loss or damage occurred
• No cover for retaining, sea or free-standing outdoor walls; revetments; garden borders or sporting surfaces or courts
• No cover for shower bases tiled or otherwise
• No cover for sporting, recreational or leisure goods while in use
• No cover for tanks or containers that burst or leak
• No cover for damage caused by failure or shutdown of electricity supply; liquid escaping from agricultural or overflow pipes; animals or birds pecking, biting, clawing, scratching, tearing or chewing the building; animal or bird urine and excrement; building, renovating or altering the home (except for spilling paint); physical assaults; death; tenants; paying guests; or boarders
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for food spoilage caused by failure or shutdown of electricity supply
• No cover for pollution or vapour caused by home heaters or cooking appliances
• No cover for damage that occurs gradually or if you're unable to establish the accidental loss or damage took place at a certain time and date
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout
• Covers fully enclosed and lockable parts of the home
• Covers furniture; furnishings; household decorative items; works of art; wall hangings; household ornaments; televisions; visual display units; kitchen, dining room, lounge room, bedroom and bathroom wares; floor carpets and household and domestic electrical and electronic goods
• Covers personal computer equipment and associated hardware
• No cover for cracking, chipping or breakage of handheld glass, glassware or china items while being used
• No cover for fish tanks
• No cover for outdoor swimming pools or spas and equipment, including covers and liners
• Separate optional cover available for mobile phones
• Up to 5% contents sum insured for contents in the open air
• No cover for minor dents, scratches or chips
• No cover for damage caused by power surge (unless caused by another insured event); or mechanical, electrical or electronic breakdown or failure of items (except motor burnout)
• No cover for burning, melting or scorching caused by processes that involve heat or fire, cigaretes, cigars, pipes, tobacco, ash or other substances designed to be burned or heated up
• No cover for damage if you rent out your home
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout
• Covers fully enclosed and lockable parts of the home
• Covers furniture; furnishings; household decorative items; works of art; wall hangings; household ornaments; televisions; visual display units; kitchen, dining room, lounge room, bedroom and bathroom wares; floor carpets and household and domestic electrical and electronic goods
• Covers glass in radios, clocks, vases, ornaments and lamps
• Covers outdoor furniture in the open air
• Covers personal computer equipment and associated hardware
• No cover for cracking, chipping or breakage of handheld glass, glassware or china items while being used
• No cover for fish tanks
• No cover for outdoor swimming pools or spas and equipment, including covers and liners
• Separate optional cover available for mobile phones
• Up to 5% contents sum insured for contents in the open air
• No cover for minor dents, scratches or chips that does not affect the overall useability
• No cover for damage caused by power surge (unless caused by another insured event); or mechanical, electrical or electronic breakdown or failure of items (except motor burnout)
• No cover for burning, melting or scorching caused by processes that involve heat or fire, cigaretes, cigars, pipes, tobacco, ash or other substances designed to be burned or heated up
• No cover for damage if you rent out your home
• Optional
• Cover only available for contents
• Choose overall limit from $2000–$5000
• $250 excess
• No cover for cash
• No cover for contents that have been misplaced, mislaid or missing where you are unable to identify where the loss occurred
• No cover for tools of trade or sporting equipment while in use
• Up to 60 days cover for accidental damage and theft of contents anywhere in Australia and New Zealand
• No cover for damage caused intentionally
• No cover for accidental damage or theft caused by theft or attempted theft by a person, boarder or tenant who, without violent or forcible entry, enters your home with your consent
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Covered by default
• Covers accidental loss and damage to home and contents
• Up to $2500 for each item temporarily removed from address
• Up to 20% contents sum insured for contents temporarily removed from address
• Up to 90 days cover for contents temporarily removed from address
• Optional
• Covers accidental loss and damage to home and contents
• No cover for accidental breakage of glass forming part of a stove top, cooking surface, heater or oven door or in a glasshouse or greenhouse or in the roof of a conservatory, sunroom, or similar
• No cover for bicycles, sporting or fishing equipment, musical instruments or remote controlled aircraft or drones while in use
• No cover for driveways, paths or tennis courts and other ground surfaces
• No cover for trees, plants, shrubs, jewellery, watches, food, medications, cash, gift vouchers, negotiable instruments or mobile phones
• No cover for damage caused by normal use resulting in scratching, chipping or denting; domestic pets, animals or livestock at the address with permission of a resident; tree felling or lopping; subsidence; landslide; mudslide; or collapse
• No cover for swimming pools caused by or contributed to by you lowering the level of water
• No cover for damage that occurs gradually
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doors
• No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the pool
• No cover for chipping, denting or scratching caused by normal use
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doors
• No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the pool
• No cover for chipping, denting or scratching caused by normal use
• Covered by default
• Covers accidental loss and damage to home and contents
• Covers bicycles while in use, provided they aren't being used for racing or pace-making
• No cover for boat jetties, pontoons or mooring poles and their attachments and accessories
• No cover for cracking of sealed paths, driveways or roads
• No cover for damage caused by road vehicles, cranes or earthmoving equipment to driveways, paths, paving or underground services
• No cover for damage caused to the home by earthworks or construction undertaken by a neighbour
• No cover for gates or fences that would be considered by a reasonable person to be in an obvious state of disrepair before the loss or damage occurred
• No cover for retaining, sea or free-standing outdoor walls; revetments; garden borders or sporting surfaces or courts
• No cover for shower bases tiled or otherwise
• No cover for sporting, recreational or leisure goods while in use
• No cover for tanks or containers that burst or leak
• No cover for damage caused by failure or shutdown of electricity supply; liquid escaping from agricultural or overflow pipes; animals or birds pecking, biting, clawing, scratching, tearing or chewing the building; animal or bird urine and excrement; building, renovating or altering the home (except for spilling paint); physical assaults; death; tenants; paying guests; or boarders
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for food spoilage caused by failure or shutdown of electricity supply
• No cover for pollution or vapour caused by home heaters or cooking appliances
• No cover for damage that occurs gradually or if you're unable to establish the accidental loss or damage took place at a certain time and date
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doors
• No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the pool
• No cover for chipping, denting or scratching caused by normal use
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doors
• No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the pool
• No cover for chipping, denting or scratching caused by normal use
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout
• Covers fully enclosed and lockable parts of the home
• Covers furniture; furnishings; household decorative items; works of art; wall hangings; household ornaments; televisions; visual display units; kitchen, dining room, lounge room, bedroom and bathroom wares; floor carpets and household and domestic electrical and electronic goods
• Covers personal computer equipment and associated hardware
• No cover for cracking, chipping or breakage of handheld glass, glassware or china items while being used
• No cover for fish tanks
• No cover for outdoor swimming pools or spas and equipment, including covers and liners
• Separate optional cover available for mobile phones
• Up to 5% contents sum insured for contents in the open air
• No cover for minor dents, scratches or chips
• No cover for damage caused by power surge (unless caused by another insured event); or mechanical, electrical or electronic breakdown or failure of items (except motor burnout)
• No cover for burning, melting or scorching caused by processes that involve heat or fire, cigaretes, cigars, pipes, tobacco, ash or other substances designed to be burned or heated up
• No cover for damage if you rent out your home
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doors
• No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the pool
• No cover for chipping, denting or scratching caused by normal use

Claims

Out-of-hours claiming
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
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Online and 24/7 phone
Online and 24/7 phone
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Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
How the insurer can settle your claim
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
Cash settlement for building claims
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
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• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
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• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
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• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
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• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
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• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
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• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
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Cash settlement for contents claims
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
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• Insurer may offer non-cash alternatives
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• Insurer may offer non-cash alternatives
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• Insurer may offer non-cash alternatives
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• Insurer may offer non-cash alternatives
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• Insurer may offer non-cash alternatives
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• Insurer may offer non-cash alternatives
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• Insurer may offer non-cash alternatives
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• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
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• Insurer may offer non-cash alternatives
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• Insurer may offer non-cash alternatives
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• Insurer may offer non-cash alternatives
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• Insurer may offer non-cash alternatives
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• Insurer may offer non-cash alternatives
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• Insurer may offer non-cash alternatives
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• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
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• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
Customer cost
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
Customer cost
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
New for old contents replacement
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes clothing, shoes and linen out of use/stored away and computers over 4 years old)
Yes (excludes clothing, shoes and linen out of use/stored away and computers over 4 years old)
Yes (excludes clothing and floor carpets over 10 years old)
Yes (excludes cds, dvds and paintings, pictures, works of art, sculptures, ornaments, art objects, collections, sets and memorabilia, antiques)
Yes (excludes clothing, computers over 4 years old, household linen, items out of use (eg stored away) and shoes)
Yes (excludes clothing, computers over 4 years old, household linen, items out of use (eg stored away) and shoes)
Yes (excludes computers more than four years old and out of use clothing, shoes or household linen or items)
Yes (excludes carpets over 10 years old, mobile phones and tablets (may be replaced with refurbished model), pool liners and shade cloths/sails)
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes art objects, collections, memorabilia and antiques, ornaments, paintings, pictures, sculptures and works of art)
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes cds, dvds and paintings, pictures, works of art, sculptures, ornaments, art objects, collections, sets and memorabilia, antiques)
Yes (excludes antiques, art objects, collections, ornaments, paintings, pictures, sculptures, sets and memorabilia and works of art)
Yes (excludes art objects, collections, memorabilia and antiques, ornaments, paintings, pictures, sculptures and works of art)
Yes (excludes art objects, collections, memorabilia and antiques, ornaments, paintings, pictures, sculptures and works of art)
Yes (excludes antiques, art objects, collections, ornaments, paintings, pictures, sculptures, sets and memorabilia and works of art)
Yes (excludes art objects, collections, memorabilia and antiques, ornaments, paintings, pictures, sculptures and works of art)
Yes (excludes art objects, collections, memorabilia and antiques, ornaments, paintings, pictures, sculptures and works of art)
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes clothing and floor carpets over 10 years old)
Yes (excludes clothing and floor carpets that are over 10 years old)
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes computers more than four years old and out of use clothing, shoes or household linen or items)
Yes (excludes clothing, shoes and linen out of use/stored away and computers over 4 years old)
Yes (excludes clothing, shoes and linen out of use/stored away and computers over 4 years old)
Yes (excludes clothing, shoes and linen out of use/stored away and computers over 4 years old)
Yes (excludes art objects, collections, memorabilia and antiques, ornaments, paintings, pictures, sculptures and works of art)
Yes (excludes clothing, computers over 4 years old, household linen, items out of use (eg stored away) and shoes)
Yes (excludes clothing, computers more than 4 years old, household linen, items out of use/stored away and shoes)
Yes (excludes clothing and floor carpets over 10 years old)
Yes (excludes clothing, shoes and linen out of use/stored away and computers over 4 years old)
Yes (excludes clothing, computers over 4 years old, household linen, items out of use (eg stored away) and shoes)
Yes (excludes clothing, computers more than 4 years old, household linen, items out of use/stored away and shoes)
Yes (excludes clothing, computers over 4 years old, household linen, items out of use (eg stored away) and shoes)
Yes (excludes clothing, computers over 4 years old, household linen, items out of use (eg stored away) and shoes)

Building

Motor burnout
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years or $1000 overall
• Optional
• Motors up to 10 years or $2000 overall
• Optional
Motors up to 10 years or $1000 overall
• Motors up to 10 years
• Optional
Up to $2000 overall
Motors up to 10 years or $2000 overall
Motors up to 10 years or $2000 overall
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
• Motors up to 15 years
• Optional
Motors up to 15 years
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 10 years
• Optional
Motors up to 10 years
Motors up to 10 years
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
Up to $2000 overall
Motors up to 15 years
Motors up to 7 years
• Motors up to 10 years
• Optional
Motors up to 10 years
Motors up to 7 years
Reasonable cost
Motors up to 10 years
Motors up to 10 years
Motors up to 10 years
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
Motors up to 10 years
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
Motors up to 10 years
• Motors up to 10 years or $1500 overall
• Optional
• Motors up to 10 years or $2000 overall
• Optional
• Motors up to 10 years or $1000 overall
• Optional
• Motors up to 10 years or $2000 overall
• Optional
Motors up to 10 years
• Motors up to 10 years
• Optional
• Motors up to 10 years or $1000 overall
• Optional
Keys and locks after break-in
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $500 overall
Up to $1000 overall
Up to $500 overall
Up to $1000 overall
Up to $1000 overall
Up to $1500 overall
Up to $1500 overall
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Up to $2500 overall
Up to $1000 overall
Up to $1000 overall
Up to $2000 overall
Up to $500 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $500 overall
Up to $1000 overall
Up to $500 overall
Up to $1000 overall
Up to $500 overall
Up to $800 overall
Up to $1000 overall
Up to $1500 overall
Up to $2500 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $2500 overall
Up to $500 overall
Up to $1000 overall
Up to $500 overall
Up to $1000 overall
Up to $2500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1000 overall
Up to $500 overall
Up to $750 overall
Up to $750 overall
Up to $1500 overall
Up to $750 overall
Gardens and landscaping
• Up to $5000 overall<br>• No cover for storm, flood, cyclone, tsunami or rainwater or run-off
• Up to $5000 overall<br>• No cover for storm, flood, cyclone, tsunami or rainwater or run-off
• Up to $5000 overall<br>• No cover for storm, flood, cyclone, tsunami or rainwater or run-off
• Up to $5000 overall<br>• No cover for storm, flood, cyclone, tsunami or rainwater or run-off
• Up to $750 overall<br>• Cover for fire, theft, vehicle damage and malicious damage
• Up to $1500 overall<br>• Cover for fire, theft, vehicle damage and malicious damage
Up to $1000 overall
• Up to $1000 overall<br>• No cover for escape of liquid, storm, flood or storm surge
• Up to $5000 overall<br>• Cover for fire, theft, vehicle damage and malicious damage
• Up to $5000 overall<br>• Cover for fire, theft, vehicle damage and malicious damage
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
• Up to $1500 overall<br>• Cover for fire, theft, vehicle damage and malicious damage
• Up to $5000 overall<br>• Up to $500 for storm, flood, cyclone, run-off, rainwater, storm surge and flood water combined with run-off and/or rainwater<br>• No cover for tsunami
• Up to $1000 overall<br>• No cover for escape of liquid, storm or flood
• Up to $5000 overall<br>• No cover for storm, flood or tsunami
• Up to $5000 overall<br>• No cover for storm, flood, cyclone, tsunami or rainwater
• Up to $5000 overall<br>• No cover for storm, flood, cyclone, tsunami or rainwater
• Up to $5000 overall<br>• No cover for storm, flood, cyclone, tsunami or rainwater
• Up to $5000 overall<br>• No cover for storm, flood, cyclone, tsunami or rainwater
• Up to $1000 overall<br>• No cover for escape of liquid, storm, flood or storm surge
Up to $1000 overall
• Up to $1000 overall<br>• No cover for escape of liquid, storm, flood or storm surge
• Up to $500 overall<br>• Cover for storm
• Up to $1000 overall<br>• No cover for escape of liquid, storm, flood or storm surge
• Up to $2500 overall<br>• Up to $250 per plant, shrub or tree<br>• No cover for escape of liquid, hail, storm, flood or rainwater
• Up to $2000 overall<br>• No cover for escape of liquid, storm, flood or storm surge
• Up to $5000 overall<br>• No cover for storm, flood, cyclone, tsunami or rainwater or run-off
• Up to $5000 overall<br>• No cover for storm, flood, cyclone, tsunami or rainwater or run-off
Up to $1000 overall
Up to $1000 overall
• Up to $5000 overall<br>• No cover for storm, flood, cyclone, tsunami or rainwater or run-off
• Up to $5000 overall<br>• No cover for storm, flood, cyclone, tsunami or rainwater or run-off
• Up to $5000 overall<br>• No cover for storm, flood, cyclone, tsunami or rainwater or run-off
• Up to $5000 overall<br>• Up to $250 per plant, shrub or tree<br>• No cover for escape of liquid, hail, storm, flood or rainwater
• Up to $750 overall<br>• Cover for fire, theft, vehicle damage and malicious damage
• Up to $1500 overall<br>• Cover for fire, theft, vehicle damage and malicious damage
• Up to $750 overall<br>• Cover for fire, theft, vehicle damage and malicious damage
• Up to $1500 overall<br>• Cover for fire, theft, vehicle damage and malicious damage
• Up to $2000 overall<br>• No cover for escape of liquid, storm, flood or storm surge
• Up to $1500 overall<br>• Cover for fire, theft, vehicle damage and malicious damage
• Up to $1500 overall<br>• Cover for fire, theft, vehicle damage and malicious damage
Up to $1000 overall
• Up to $750 overall<br>• Cover for fire, theft, vehicle damage and malicious damage
• Up to $750 overall<br>• Cover for fire, theft, vehicle damage and malicious damage
• Up to $750 overall<br>• Cover for fire, theft, vehicle damage and malicious damage
• Up to $1500 overall<br>• Cover for fire, theft, vehicle damage and malicious damage
• Up to $750 overall<br>• Cover for fire, theft, vehicle damage and malicious damage
Costs to comply with building regulations
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to $5000 overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to $5000 overall
• Paid on top of sum insured
• Up to $10000 overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to $15000 overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
Reasonable cost
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
• Up to $5000 overall
• Paid on top of sum insured
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal, professional fees and other incidental expenses
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with professional fees
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 20% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
Reasonable cost
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with professional fees
• Up to 20% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 25% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
Reasonable cost
Reasonable cost
Reasonable cost
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to $15000 overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to $10000 overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to $15000 overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 25% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
Reasonable cost
• Up to $10000 overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
Professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to $5000 overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to $5000 overall
• Paid on top of sum insured
• Up to $10000 overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to $15000 overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 20% sum insured overall
• Limit combined with debris removal
Up to 10% sum insured overall
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
• Up to $5000 overall
• Paid on top of sum insured
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations, debris removal and other incidental expenses
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 20% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
Reasonable cost
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations
• Up to 20% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 25% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
Up to 10% sum insured overall
• Up to 10% sum insured overall
• Paid on top of sum insured
Reasonable cost
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to $15000 overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to $10000 overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to $15000 overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 25% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
Up to 10% sum insured overall
• Up to $10000 overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
Mortgage discharge fees
Up to $750 overall
Up to $750 overall
Up to $750 overall
Up to $750 overall
Up to $750 overall
• Up to $1000 overall<br>• Paid on top of sum insured
• Up to $2000 overall<br>• Paid on top of sum insured
• Up to $2000 overall<br>• Paid on top of sum insured
• Up to $2000 overall<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Up to $2000 overall<br>• Paid on top of sum insured
• Up to $1000 overall<br>• Paid on top of sum insured
• Up to $1500 overall<br>• Paid on top of sum insured
• Up to $1000 overall<br>• Paid on top of sum insured
• Up to $1500 overall<br>• Paid on top of sum insured
• Reasonable cost<br>• Paid on top of sum insured
• Up to $1500 overall<br>• Paid on top of sum insured
• Up to $5000 overall<br>• Paid on top of sum insured
• Up to $2000 overall<br>• Paid on top of sum insured
• Up to $5000 overall<br>• Paid on top of sum insured
• Up to $1000 overall<br>• Paid on top of sum insured
• Up to $2000 overall<br>• Paid on top of sum insured
• Up to $1000 overall<br>• Paid on top of sum insured
• Up to $2000 overall<br>• Paid on top of sum insured
• Up to $2000 overall<br>• Paid on top of sum insured
• Up to $1000 overall<br>• Paid on top of sum insured
Debris removal and demolition
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to $10000 overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to $15000 overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 20% sum insured overall
• Limit combined with professional fees
• Building only
• Up to 20% sum insured overall
• Paid on top of sum insured
• Building claims: up to 15% sum insured overall
• Contents claims: up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 20% sum insured overall
• Paid on top of sum insured
• Up to 20% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Reasonable cost
• Building only
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 15% sum insured overall
• Paid on top of sum insured
• Reasonable cost
• Building only
• Up to 10% sum insured overall
• Paid on top of sum insured
• Building claims: up to 15% sum insured overall
• Contents claims: up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations, professional fees and other incidental expenses
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Building claims: up to 15% sum insured overall
• Contents claims: up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Building claims: up to 15% sum insured overall
• Contents claims: up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Building claims: up to 15% sum insured overall
• Contents claims: up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Building claims: up to 15% sum insured overall
• Contents claims: up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 20% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Building claims: up to Reasonable cost overall
• Contents claims: up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Building only
• Building claims: up to 20% sum insured overall
• Contents claims: up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Building claims: up to 15% sum insured overall
• Contents claims: up to $5000 overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Building claims: up to 25% sum insured overall
• Contents claims: up to 20% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 20% sum insured overall
• Paid on top of sum insured
• Up to 20% sum insured overall
• Paid on top of sum insured
• Reasonable cost
• Building only
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Building claims: up to 15% sum insured overall
• Contents claims: up to $5000 overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to $15000 overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to $10000 overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to $15000 overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Building claims: up to 25% sum insured overall
• Contents claims: up to 20% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 20% sum insured overall
• Paid on top of sum insured
• Up to $10000 overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
Temporary accommodation
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Covers accommodation for you and your pets
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Covers accommodation for you and your pets
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Covers accommodation for you and your pets
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Covers accommodation for you and your pets
• Up to $250 for emergency groceries
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Covers accommodation for you and your pets
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to $500 for temporary accommodation for cats/dogs
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to $1000 for temporary accommodation for cats/dogs
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers residential accommodation at a similar standard to your home, mail redirection, utility connection costs and removal costs
• Up to 48 weeks for residential accommodation
• Up to 4 weeks for emergency or short-term accommodation
• Up to $3000 for pet accommodation
• Up to $250 per month of pet accommodation
• Available after a claim for building damage
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Up to 14 days for short term accommodation
• Available after a claim for building damage
• Up to 10% building sum insured
• Paid on top of sum insured
• Covers residential accommodation of a similar standard to your home, commercial pet boarding, mail redirection, utility connection fees, relocation costs, rental bond and lease break fee
• Up to 5% building sum insured for additional accommodation costs during repair delays out of your control
• Up to 4 weeks for short term accommodation
• Available after a claim for building damage
• Up to 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to $1000 for temporary accommodation for cats/dogs
• Up to 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to $1000 for temporary accommodation for cats/dogs
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers accommodation for you and any family member living at your home
• Up to $3000 for temporary accommodation for dogs and/or cats
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary, alternative accommodation for your family and pets; relocation costs; additional expenses; mail redirection; and utility connection fees
• Available after a claim for building damage
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 10% building sum insured
• Paid on top of sum insured
• Covers additional accommodation expenses, mail redirection, utility connection fees, rental bond, removal/storage costs and commercial pet boarding
• Limit combined with emergency storage
• Available after a claim for building damage
• Up to 10% sum insured
• Paid on top of sum insured
• Covers rental accommodation for you and your pets, utility connection costs, mail redirection, and rental bond
• Up to 10% building sum insured
• Paid on top of sum insured
• Covers residential accommodation of a similar standard to your home, commercial pet boarding, mail redirection, utility connection fees, relocation costs, rental bond and lease break fee
• Up to 5% building sum insured for additional accommodation costs during repair delays out of your control
• Up to 4 weeks for short term accommodation
• Available after a claim for building damage
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 10% building sum insured
• Paid on top of sum insured
• Covers residential accommodation of a similar standard to your home, commercial pet boarding, mail redirection, utility connection fees, relocation costs, rental bond and lease break fee
• Up to 5% building sum insured for additional accommodation costs during repair delays out of your control
• Up to 4 weeks for short term accommodation
• Available after a claim for building damage
• Up to 18 months or 10% sum insured
• Paid on top of sum insured
• Covers temporary accommodation similar to your home for people living at the address, assistance with rental bond (must be repaid to insurer), utility connection costs, removal costs and lease break fees
• Up to $500 per week, if you stay with family or friends instead
• Up to $2000 for commercial pet boarding
• Up to 10% building sum insured
• Paid on top of sum insured
• Covers residential accommodation of a similar standard to your home, mail redirection, utility connection fees, relocating contents to/from temporary accommodation, contents insurance at temporary accommodation, assistance with rental bond (must be repaid to insurer), lease break fee and commercial pet boarding
• Up to 4 weeks for short term accommodation
• Up to 26 weeks for extended accommodation if repairs delayed for reasons outside your control
• Up to 10% building sum insured
• Paid on top of sum insured
• Covers residential accommodation of a similar standard to your home, commercial pet boarding, mail redirection, utility connection fees, relocation costs, rental bond and lease break fee
• Up to 5% building sum insured for additional accommodation costs during repair delays out of your control
• Up to 4 weeks for short term accommodation
• Available after a claim for building damage
• Up to 10% building sum insured
• Paid on top of sum insured
• Covers residential accommodation of a similar standard to your home, commercial pet boarding, mail redirection, utility connection fees, relocation costs, rental bond and lease break fee
• Up to 5% building sum insured for additional accommodation costs during repair delays out of your control
• Up to 4 weeks for short term accommodation
• Available after a claim for building damage
• Up to 52 weeks
• Covers residential accommodation of a similar standard to your home, mail redirection, utility connection fees, relocating contents to/from temporary accommodation, contents insurance at temporary accommodation, assistance with rental bond (must be repaid to insurer), lease break fee and commercial pet boarding
• Up to 4 weeks for short term accommodation
• Up to 26 weeks for extended accommodation if repairs delayed for reasons outside your control
• Up to 12 months
• Covers comparable accommodation for you and commercial accommodation for pets
• Available after a claim for building damage
• Up to 10% building sum insured
• Paid on top of sum insured
• Covers residential accommodation of a similar standard to your home, commercial pet boarding, mail redirection, utility connection fees, relocation costs, rental bond and lease break fee
• Up to 5% building sum insured for additional accommodation costs during repair delays out of your control
• Up to 4 weeks for short term accommodation
• Available after a claim for building damage
• Up to 12 months or 20% sum insured
• Paid on top of sum insured
• Covers additional costs for similar temporary accommodation and commercial pet boarding
• Up to 7 days or $2000 for emergency accommodation and pet boarding
• Up to 15% building sum insured
• Paid on top of sum insured
• Covers residential accommodation of a similar standard to your home, commercial pet boarding, mail redirection, utility connection fees, relocation costs, rental bond and lease break fee
• Up to 5% building sum insured for additional accommodation costs during repair delays out of your control
• Up to 4 weeks for short term accommodation
• Available after a claim for building damage
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Up to 14 days for short term accommodation
• Available after a claim for building damage
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Up to 14 days for short term accommodation
• Available after a claim for building damage
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Covers temporary accommodation for people living at the address
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 20% sum insured
• Paid on top of sum insured
• Covers additional costs for similar temporary accommodation and commercial pet boarding
• Up to 7 days or $2000 for emergency accommodation and pet boarding
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers accommodation for you and any family member living at your home
• Up to $500 for temporary accommodation for dogs and/or cats
• Available after a claim for building damage
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to $1000 for temporary accommodation for cats/dogs
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to $500 for temporary accommodation for cats/dogs
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to $500 for temporary accommodation for cats/dogs
• Up to 15% building sum insured
• Paid on top of sum insured
• Covers residential accommodation of a similar standard to your home, commercial pet boarding, mail redirection, utility connection fees, relocation costs, rental bond and lease break fee
• Up to 5% building sum insured for additional accommodation costs during repair delays out of your control
• Up to 4 weeks for short term accommodation
• Available after a claim for building damage
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Up to 14 days for short term accommodation
• Available after a claim for building damage
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to $1000 for temporary accommodation for cats/dogs
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family

Contents

Cover for unspecified portable contents
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item
• Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item
• Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item
• Covered anywhere in Australia, New Zealand, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item
• Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item
• Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Choose overall limit from $2500–$5000
• Up to $1000 per item
• Covered anywhere in Australia
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Choose overall limit from $2500–$5000
• Up to $1000 per item
• Covered anywhere in Australia
• $100 excess
• Optional
• Covers general contents for accidental loss/damage
• Up to contents sum insured overall
• Up to $15000 per item
• Covered anywhere worldwide
• Contents excess applies
• Optional
• Covers some items for insured events and accidental loss/damage
• Choose overall limit from $2000–$8000
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia and New Zealand
• $300 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item, collection, pair and set
• Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing, accessories and luggage; glasses and medical items; jewellery and watches; portable electronic devices; sporting items; and wheelchairs, scooters and other mobility aids
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• Contents excess applies
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for accidental loss or damage
• Choose overall limit from $2500–$7500
• Up to $1000 per item
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group, $10000 for bicycles and personal mobility devices, collections, medical and health items, mobile phones, portable electronic devices, and recreational/hobby items and clothing
•Nominate a limit per item group, $15000 for jewellery and watches
• Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
• Contents excess applies
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Up to $3000 overall
• Up to $1000 per item, pair and set
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for accidental loss or damage
• Up to $5000 overall
• Up to $1000 per item
• Covered anywhere in Australia, and for up to 90 days in rest of the world
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$10000
• Up to $1000 per item, collection, pair and set
• Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item, collection, pair and set
• Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers general contents for accidental loss/damage
• Choose overall limit from up to $10000 or 25% contents sum insured
• Choose limit from $1000–$1500 per item
• Covered away from home in Australia and New Zealand
• Contents excess applies
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item, collection, pair and set
• Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$10000
• Up to $1000 per item, collection, pair and set
• Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $4000–$10000
• Up to $1000 per item, collection, pair and set
• Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere in Australia and New Zealand
• $100 excess
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item, collection, pair and set
• Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $2000–$5000
• Choose limit from $500–$1000 per item
• Covered anywhere in Australia
• $200 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$10000
• Up to $1000 per item, collection, pair and set
• Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Optional cover for flood
• Up to $15000 overall
• Up to $2500 per item, pair and set
• Covered anywhere in Australia, and for up to 30 days in rest of the world
• Contents excess applies
• Optional
Personal Valuables option:
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$10000
• Up to $1000 per item, collection, pair and set
• Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere in Australia and New Zealand
• $100 excess

Portable Advantages option:
• Cover some items for accidental/loss damage
• Up to contents sum insured overall
• Cover in Australia and NZ for up to 180 days
• Up to 100 days for watches and jewellery outside Australia & NZ (must be worn or in a safe)
• Contents excess applies
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for insured events and accidental loss/damage
• Choose overall limit from $2000–$8000
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia and New Zealand
• $300 excess
• Optional
• Covers some items for insured events and accidental loss/damage
• Choose overall limit from $2000–$8000
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia and New Zealand
• $300 excess
• Optional
• Covers general contents for theft and accidental loss/damage
• Choose overall limit from $2000–$5000
• Covered anywhere for up to 60 days in Australia and New Zealand
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1500–$7500
• Choose limit from $500–$1500 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Optional cover for flood
• Up to $10000 overall
• Up to $1500 per item, pair and set
• Covered anywhere in Australia, and for up to 90 days in rest of the world
• Contents excess applies
• Optional
• Covers some items for accidental loss or damage
• Choose overall limit from $2500–$7500
• Up to $1000 per item
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Choose overall limit from $2500–$5000
• Up to $1000 per item
• Covered anywhere in Australia
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Choose overall limit from $2500–$5000
• Up to $1000 per item
• Covered anywhere in Australia
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Choose overall limit from $2500–$5000
• Up to $1000 per item
• Covered anywhere in Australia
• $100 excess
• Optional
• Covers general contents for accidental loss/damage
• Up to contents sum insured overall
• Up to 100 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere for up to 180 days in Australia and New Zealand
• Contents excess applies
• Covers some items for insured events and accidental loss/damage
• Choose overall limit from $2000–$8000
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia and New Zealand
• $300 excess
• Optional
• Covers some items for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Choose overall limit from $2500–$5000
• Up to $1000 per item
• Covered anywhere in Australia
• $100 excess
• Optional
Optional cover for individual portable valuables
• Cover for accidental loss/damage
• Covered away from home in Australia, New Zealand, and for up to 90 days in rest of the world
• $100 excess
• Cover for accidental loss/damage
• Covered away from home in Australia, New Zealand, and for up to 90 days in rest of the world
• $100 excess
• Cover for accidental loss/damage
• Covered away from home in Australia, New Zealand, and for up to 120 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for accidental loss/damage
• Covered away from home in Australia, New Zealand, and for up to 90 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for accidental loss/damage
• Covered away from home in Australia, New Zealand, and for up to 90 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for accidental loss/damage
• Covered anywhere worldwide
• Contents excess applies
• Cover for insured events and accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $300 excess
• Cover for accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for insured events (including accidental loss/damage)
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for insured events (including accidental loss/damage)
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• Contents excess applies
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for insured events and accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
• Contents excess applies
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for accidental loss or damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for accidental loss/damage
• Covered away from home in Australia and New Zealand
• Contents excess applies
• Cover for accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for accidental loss/damage
• Covered anywhere in Australia
• $100 excess
• Cover for accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for accidental loss/damage
• Optional cover for flood
• Covered anywhere in Australia, and for up to 30 days in rest of the world
• Contents excess applies
• Cover for accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for insured events and accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $300 excess
• Cover for insured events and accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $300 excess
• Cover for theft and accidental loss/damage
• Covered away from home worldwide
• $0 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for accidental loss/damage
• Optional cover for flood
• Covered anywhere in Australia, and for up to 90 days in rest of the world
• Contents excess applies
• Cover for insured events and accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for accidental loss/damage
• Covered anywhere for up to 180 days in Australia and New Zealand
• Contents excess applies
• Cover for insured events (including accidental loss/damage)
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for insured events (including accidental loss/damage)
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for insured events and accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $300 excess
• Cover for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for insured events (not accidental loss/damage)
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for insured events (not accidental loss/damage)
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for insured events (including accidental loss/damage)
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for insured events (not accidental loss/damage)
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
Contents in the open air
• Up to sum insured overall
• Up to $1000 for theft
• Up to sum insured overall
• Up to $1000 for theft
• Up to sum insured overall
• Up to $1000 for theft
• Up to $2000 overall
• Covers contents intended to be kept outside
• Up to sum insured overall
• Up to $1000 for theft
• Up to $2000 overall
• Covers contents intended to be kept outside
• Up to $2000 overall
• Covers contents intended to be kept outside
• Up to sum insured overall
• Up to $1000 for theft
• Up to $2000 overall
• Covers contents intended to be kept outside
• Up to $4000 overall
• Up to $1000 per item
• No item sublimit for barbecues or garden furniture
• Up to $8000 overall
• Up to $2000 per item
• No item sublimit for barbecues or garden furniture
Up to 10% sum insured or $20000 overall
• Up to 5% sum insured overall
• Cover for theft
• Optional cover for accidental damage
• No cover for impact
Up to 20% sum insured overall
• Up to $8000 overall
• Up to $2000 per item
• No item sublimit for barbecues or garden furniture
• Up to $8000 overall
• Up to $2000 per item
• No item sublimit for barbecues or garden furniture
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 10% sum insured overall
• Up to sum insured overall
• No sublimits for above ground pools, barbecues or outdoor furniture
• Up to $8000 for rain, hail, theft, storm, flood, burglary and storm surge
• No cover for animal damage
• Up to $2000 overall
• Covers contents intended to be kept outside
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to sum insured overall
Up to $2000 overall
Up to $2000 overall
Up to $2000 overall
Up to $2000 overall
Up to 20% sum insured overall
Up to $3000 overall
Up to 20% sum insured overall
Up to sum insured overall
Up to sum insured overall
Up to 20% sum insured overall
• Up to sum insured overall
• Up to 20% contents sum insured for storm and theft
Up to sum insured overall
• Up to 20% sum insured overall
• Up to $500 for cash and negotiable instruments
• Up to $2500 for building materials awaiting installation
• Up to $2500 for theft
Up to sum insured overall
• Up to $2000 overall
• Covers contents intended to be kept outside
• Up to $2000 overall
• Covers contents intended to be kept outside
• Up to 5% sum insured overall
• Cover for theft
• Optional cover for accidental damage
• No cover for impact
• Up to 5% sum insured overall
• Cover for theft
• Optional cover for accidental damage
• No cover for impact
Up to $3000 overall
• Up to $2000 overall
• Covers contents intended to be kept outside
• Up to $2000 overall
• Covers contents intended to be kept outside
• Cover for storm, theft, run-off and rainwater
• Up to $2000 overall
• Covers contents intended to be kept outside
• Up to 20% sum insured overall
• Up to $200 for cash and negotiable instruments
• Up to $5000 for building materials awaiting installation
• Up to $5000 for theft
• Up to $4000 overall
• Up to $1000 per item
• No item sublimit for barbecues or garden furniture
• Up to $8000 overall
• Up to $2000 per item
• No item sublimit for barbecues or garden furniture
• Up to $4000 overall
• Up to $1000 per item
• No item sublimit for barbecues or garden furniture
• Up to $8000 overall
• Up to $2000 per item
• No item sublimit for barbecues or garden furniture
Up to sum insured overall
• Up to $8000 overall
• Up to $2000 per item
• No item sublimit for barbecues or garden furniture
• Up to $8000 overall
• Up to $2000 per item
• No item sublimit for barbecues or garden furniture
• Up to 5% sum insured overall
• Cover for theft
• Optional cover for accidental damage
• No cover for impact
• Up to $4000 overall
• Up to $1000 per item
• No item sublimit for barbecues or garden furniture
• Up to $4000 overall
• Up to $1000 per item
• No item sublimit for barbecues or garden furniture
• Up to $4000 overall
• Up to $1000 per item
• No item sublimit for barbecues or garden furniture
• Up to $8000 overall
• Up to $2000 per item
• No item sublimit for barbecues or garden furniture
• Up to $4000 overall
• Up to $1000 per item
• No item sublimit for barbecues or garden furniture
Emergency storage
• Up to sum insured
• Covers removing/storing contents in commercial storage facility
• Up to sum insured
• Covers removing/storing contents in commercial storage facility
• Up to sum insured
• Covers removing/storing contents in commercial storage facility
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to sum insured
• Covers removing/storing contents in commercial storage facility
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to sum insured
• Covers removing/storing contents in commercial storage facility
• Up to 12 months
• Covers moving/storing undamaged contents
• Reasonable cost
• Paid on top of sum insured
• Covers moving/storing contents
• Reasonable cost
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 12 months or 15% contents sum insured
• Covers moving/storing contents
• Up to 12 months or 15% contents sum insured
• Covers moving/storing contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 12 months
• Covers removing/storing contents
• Available after a claim for building damage
• Up to 24 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Reasonable cost
• Paid on top of sum insured
• Covers cost to move and store contents
• Up to 24 months or 20% contents sum insured
• Paid on top of sum insured
• Covers moving contents into storage and storage costs
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 10% building sum insured
• Paid on top of sum insured
• Limit combined with accommodation
• Covers storing contents which will not fit in temporary accommodation
• Available after a claim for building damage
• Up to remaining sum insured after claim settlement
• Covers moving and storing undamaged contents
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 18 months or 10% contents sum insured
• Covers moving/storing contents
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers packing, unpacking and transporting contents to/from storage
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers packing, unpacking and transporting contents to/from storage
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Covers removing/storing contents
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 12 months or $5000
• Covers moving/storing undamaged contents in commercial storage facility
• Up to 20% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 12 months or $5000
• Covers moving/storing undamaged contents in commercial storage facility
• Reasonable cost
• Paid on top of sum insured
• Covers cost to move and store contents
• Reasonable cost
• Paid on top of sum insured
• Covers moving/storing contents
• Reasonable cost
• Paid on top of sum insured
• Covers moving/storing contents
• Reasonable cost
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 20% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 12 months or 15% contents sum insured
• Covers moving/storing contents
• Up to 12 months or 15% contents sum insured
• Covers moving/storing contents
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Reasonable cost
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 12 months or 10% contents sum insured
• Covers moving/storing contents
• Up to 12 months or 10% contents sum insured
• Covers moving/storing contents
• Up to 12 months or 15% contents sum insured
• Covers moving/storing contents
• Up to 12 months or 10% contents sum insured
• Covers moving/storing contents
Jewellery
• Up to $5000 overall
• Up to $1000 per item or set
• Up to $5000 overall
• Up to $1000 per item or set
• Up to $5000 overall
• Up to $1000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $5000 overall
• Up to $1000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $5000 overall
• Up to $1000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $2500 overall
• Up to $1000 per item or collection
• Up to $5000 overall
• Up to $1000 per item or collection
• Nominate a sum insured for this category
• Up to $15000 per item, set or pair
• Optional
• Up to $6000 overall
• Up to $2000 per item
• Up to 20% sum insured overall
• Up to $2500 per item or set
• Up to 20% sum insured overall
• Up to $10000 per item, set or pair
• Up to 20% sum insured overall
• Up to $10000 per item, set or pair
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to 25% sum insured overall
Up to $2500 per item, set or pair
• Up to $7500 overall
• Up to $2500 per item, set or collection
Up to $1000 per item
Up to $7500 per item, set or collection
• Up to $4000 overall
• Up to $2000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to 20% sum insured overall
• Up to $2000 per item or set
• Up to $10000 overall
• Up to $5000 per set or piece
• Up to $5000 overall
• Up to $2000 per item or set
• Up to $4000 overall
• Up to $2000 per item or set
• Up to $10000 overall
• Up to $3000 per item or set
• Up to $5000 overall
• Up to $2000 per item or set
• Up to $5000 overall
• Up to $2000 per item or set
• Up to $10000 overall
• Up to $3000 per item or set
• Up to $10000 overall
• Up to $1500 per item, set or pair
• Optional
• Up to $40000 overall
• Up to $10000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $6000 overall
• Up to $2000 per item
• Up to $6000 overall
• Up to $2000 per item
• Up to $10000 overall
• Up to $5000 per set or piece
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $15000 overall
• Up to $2500 per item, set or pair
Up to 10% sum insured overall
• Up to $5000 overall
• Up to $1000 per item or collection
• Up to $2500 overall
• Up to $1000 per item or collection
• Up to $5000 overall
• Up to $1000 per item or collection
• Up to $40000 overall
• Up to $10000 per item or set
• Up to $1000 per item
• Up to $5000 per collection
• Up to $1000 per item
• Up to $5000 per collection
• Up to $6000 overall
• Up to $2000 per item
• Up to $2500 overall
• Up to $1000 per item or collection
• Up to $1000 per item
• Up to $2500 per collection
• Up to $1000 per item
• Up to $2500 per collection
• Up to $1000 per item
• Up to $5000 per collection
• Up to $1000 per item
• Up to $2500 per collection
Artworks
• Up to $12000 overall
• Up to $5000 per item or set
• Up to $12000 overall
• Up to $5000 per item or set
• Up to $25000 overall
• Up to $10000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $12000 overall
• Up to $5000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $12000 overall
• Up to $5000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $2500 overall
• Up to $1000 per item or collection
• Limit combined with collections
• Up to $5000 overall
• Up to $1000 per item or collection
• Limit combined with collections
Up to general contents item limit per artwork
• Up to $12000 overall
• Up to $2000 per item
• Up to 20% sum insured overall
• Up to $3000 per item or set
• Up to 20% sum insured overall
• Up to $10000 per item, set or pair
• Limit combined with collections
• Up to 20% sum insured overall
• Up to $10000 per item, set or pair
• Limit combined with collections
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to sum insured overall
Up to $20000 per item, set or pair
• Up to $7500 overall
• Up to $2500 per item, set or collection
Up to $1000 per item
Up to $7500 per item, set or collection
• Up to $50000 overall
• Up to $10000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to 20% sum insured overall
• Up to $2000 per item or set
• Up to $50000 overall
• Up to $10000 per item or set
• Up to $5000 overall
• Up to $2500 per item or set
• Up to $50000 overall
• Up to $10000 per item or set
• Up to $80000 overall
• Up to $20000 per item or set
• Up to $5000 overall
• Up to $2500 per item or set
• Up to $5000 overall
• Up to $2000 per item or set
• Up to $80000 overall
• Up to $20000 per item or set
• Up to 20% sum insured overall
• Up to $10000 per item
Up to $200000 overall
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $12000 overall
• Up to $2000 per item
• Up to $12000 overall
• Up to $2000 per item
Up to $10000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to 20% sum insured overall
• Up to $10000 per item
• Up to $5000 overall
• Up to $2000 per collection or item
• Up to $5000 overall
• Up to $1000 per item or collection
• Limit combined with collections
• Up to $2500 overall
• Up to $1000 per item or collection
• Limit combined with collections
• Up to $5000 overall
• Up to $1000 per item or collection
• Limit combined with collections
Up to $200000 overall
• Up to $1000 per item
• Up to $5000 per collection
• Up to $1000 per item
• Up to $5000 per collection
• Up to $12000 overall
• Up to $2000 per item
• Up to $2500 overall
• Up to $1000 per item or collection
• Limit combined with collections
• Up to $1000 per item
• Up to $2500 per collection
• Up to $1000 per item
• Up to $2500 per collection
• Up to $1000 per item
• Up to $5000 per collection
• Up to $1000 per item
• Up to $2500 per collection
Collections (e.g. stamps, coins)
Up to $2000 per item or collection
Up to $2000 per item or collection
Up to $2000 per item or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
Up to $2000 per item or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
Up to $2000 per item or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $2500 overall
• Up to $1000 per item or collection
• Limit combined with artworks
• Up to $5000 overall
• Up to $1000 per item or collection
• Limit combined with artworks
Up to general contents item limit per item, set or pair
Up to $2000 overall
Up to $3000 overall
• Up to 20% sum insured overall
• Up to $10000 per item, set or pair
• Limit combined with artworks
• Up to 20% sum insured overall
• Up to $10000 per item, set or pair
• Limit combined with artworks
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to sum insured overall
Up to $5000 per collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
Up to $1000 overall
Up to $7500 per item, set or collection
Up to $2000 overall
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
Up to $3000 overall
Up to $10000 overall
Up to $5000 overall
Up to $2000 overall
Up to $5000 overall
Up to $5000 overall
Up to sum insured overall
Up to $5000 overall
• Up to $15000 overall
• Up to $2500 per item
Up to $50000 overall
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
Up to $2000 overall
Up to $2000 overall
Up to $10000 overall
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $15000 overall
• Up to $2500 per item
• Up to $5000 overall
• Up to $2000 per collection or item
• Up to $5000 overall
• Up to $1000 per item or collection
• Limit combined with artworks
• Up to $2500 overall
• Up to $1000 per item or collection
• Limit combined with artworks
• Up to $5000 overall
• Up to $1000 per item or collection
• Limit combined with artworks
Up to $50000 overall
• Up to $1000 per item
• Up to $5000 per collection
• Up to $1000 per item
• Up to $5000 per collection
Up to $2000 overall
• Up to $2500 overall
• Up to $1000 per item or collection
• Limit combined with artworks
• Up to $1000 per item
• Up to $2500 per collection
• Up to $1000 per item
• Up to $2500 per collection
• Up to $1000 per item
• Up to $5000 per collection
• Up to $1000 per item
• Up to $2500 per collection
Digital media
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $2000 overall
Up to $3000 overall
Up to $2000 overall
Up to $2000 overall
Up to $3000 overall
Up to $2000 overall
• Up to $2500 overall
• Up to $1000 per item or collection
• Up to $5000 overall
• Up to $1000 per item or collection
Up to $5000 overall
1
• Up to $5000 overall
• Up to $2000 per item, set or pair
• Up to $5000 overall
• Up to $2000 per item, set or pair
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Up to $2500 overall
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Up to $1000 overall
Up to $2000 overall
1
Up to $2000 overall
Up to $2000 overall
Up to $2000 overall
Up to $2000 overall
1
Up to $5000 overall
Up to $1000 overall
1
1
Up to $1000 overall
Up to $5000 overall
1
1
Up to $2000 overall
Up to $2000 overall
Up to $5000 overall
Up to $5000 overall
Up to $10000 overall
Up to $2000 overall
Up to $2000 overall
Up to $2000 overall
• Up to $5000 overall
• Up to $2000 per item or collection
• Up to $5000 overall
• Up to $1000 per item
• Up to $2500 overall
• Up to $1000 per item
• Up to $5000 overall
• Up to $1000 per item or collection
1
• Up to $1000 per item
• Up to $5000 per collection
• Up to $1000 per item
• Up to $5000 per collection
Up to $5000 overall
• Up to $2500 overall
• Up to $1000 per item or collection
• Up to $1000 per item
• Up to $2500 per collection
• Up to $1000 per item
• Up to $2500 per collection
• Up to $1000 per item
• Up to $5000 per collection
• Up to $1000 per item
• Up to $2500 per collection
Spoiled food
• Up to $500 overall
• Cover for insured events
• Optional cover for motor burnout
• Up to $500 overall
• Cover for insured events
• Optional cover for motor burnout
• Up to $500 overall
• Cover for insured events
• Optional cover for motor burnout
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Up to $500 overall
• Cover for insured events
• Optional cover for motor burnout
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Up to $500 overall
• Cover for insured events
• Optional cover for motor burnout
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Up to $500 overall
• Cover for failure of public electricity supply
• Optional cover for motor burnout
• Up to $1000 overall
• Cover for failure of public electricity supply
• Optional cover for motor burnout
1
• Up to $1000 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $500 overall
• Cover for unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $2000 overall
• Cover for failure of public electricity supply
• Up to $2000 overall
• Cover for failure of public electricity supply
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $500 overall
• Cover for interruption of electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $1000 overall
• Cover for motor burnout
• Up to $500 overall
• Cover for unit failure and failure of electricity supply
• Up to $1000 overall
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Up to $1000 overall
• Cover for unit failure and failure of public electricity supply
• Up to $1000 overall
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• No cover for industrial action, a deliberate act of a power supply authority, breakdown or failure of any motor more than 10 years old or accidental or deliberate disconnection or switching off the electricity supply by you
• Up to $500 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Cover for insured events, unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Cover for insured events, unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Cover for insured events, unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Cover for insured events, unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Up to $500 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $750 overall
• Cover for insured events, unit failure, motor burnout and failure of public electricity supply
• Up to $400 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $500 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $500 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $400 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $500 overall
• Cover for failure of power supply and damage to refridgerator or freezer
• Up to $500 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $1500 overall
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Up to $1000 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $1000 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $500 overall
• Cover for unit failure, motor burnout and failure of public electricity supply
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Up to $1500 overall
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 overall
• Cover for motor burnout
• Up to $1000 overall
• Cover for failure of public electricity supply
• Optional cover for motor burnout
• Up to $500 overall
• Cover for failure of public electricity supply
• Optional cover for motor burnout
• Up to $1000 overall
• Cover for failure of public electricity supply
• Optional cover for motor burnout
• Up to $500 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $1000 overall
• Cover for failure of public electricity supply
• Up to $1000 overall
• Cover for failure of public electricity supply
• Up to $1000 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $500 overall
• Cover for failure of public electricity supply
• Optional cover for motor burnout
• Up to $500 overall
• Cover for failure of public electricity supply
• Up to $500 overall
• Cover for failure of public electricity supply
• Up to $1000 overall
• Cover for failure of public electricity supply
• Up to $500 overall
• Cover for failure of public electricity supply
Visitors' contents
Up to $500 overall
Up to $500 overall
Up to $1000 overall
Up to $5000 overall
Up to $500 overall
Up to $5000 overall
Up to $5000 overall
Up to $500 overall
Up to $5000 overall
Up to $500 overall
Up to $1000 overall
Up to $1000 overall
Up to $500 overall
Up to 30 days and $2000 overall
Up to $5000 overall
Up to $5000 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2000 overall
Up to $5000 overall
Up to $1000 overall
Up to $5000 overall
Up to $5000 overall
Up to $5000 overall
Up to $5000 overall
Up to $5000 overall
Up to $1000 overall
Up to $500 overall
Up to $2500 overall
Up to $5000 overall
Up to $5000 overall
Up to $500 overall
Up to $500 overall
• Up to $5000 overall
• Optional
Up to $5000 overall
Up to $5000 overall
Up to $5000 overall
Up to $5000 overall
Up to $500 overall
Up to $1000 overall
Up to $500 overall
Up to $1000 overall
Up to $5000 overall
Up to $5000 overall
Up to $500 overall
Up to $500 overall
Up to $2500 overall
Up to $2500 overall
Up to $5000 overall
Up to $2500 overall
Pet cover
• Up to $500 overall<br>• Cover for road accident injury
• Up to $500 overall<br>• Cover for road accident injury
• Up to $500 overall<br>• Cover for road accident injury
• Up to $500 overall<br>• Cover for road accident injury
• Up to $500 overall<br>• Cover for road accident injury
• Up to $2000 overall<br>• Cover for accidental injury<br>• Optional
• Up to $500 overall<br>• Cover for road accident injury
• Up to $500 overall<br>• Cover for road accident injury
• Up to $500 overall<br>• Cover for road accident injury
• Up to $500 overall<br>• Cover for road accident injury
• Up to $2000 overall<br>• Cover for accidental injury<br>• Optional
• Up to $2000 overall<br>• Cover for accidental injury<br>• Optional
• Up to $2000 overall<br>• Cover for accidental injury<br>• Optional
• Up to $1000 overall<br>• Cover for vehicle impact
• Up to $2000 overall<br>• Cover for accidental injury<br>• Optional
• Up to $500 overall<br>• Cover for road accident injury
• Up to $500 overall<br>• Cover for road accident injury
• Up to $750 overall<br>• Cover for illness, disease, accidental injury and ongoing treatments<br>• Optional
• Up to $500 overall<br>• Cover for illness and accidental injury<br>• Optional
• Up to $500 overall<br>• Cover for road accident injury
• Up to $500 overall<br>• Cover for road accident injury
• Up to $500 overall<br>• Cover for road accident injury
• Up to $1000 overall<br>• Cover for vehicle impact
• Up to $2000 overall<br>• Cover for accidental injury<br>• Optional
Overlapping cover at a new house
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 60 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Cover for contents while moving house
• Up to 20% contents sum insured overall
• Cover for fire, collision and overturning of removal vehicle
• Up to 20% contents sum insured overall
• Cover for fire, collision and overturning of removal vehicle
• Up to 20% contents sum insured overall
• Cover for fire, collision and overturning of removal vehicle
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to 20% contents sum insured overall
• Cover for fire, collision and overturning of removal vehicle
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to 20% contents sum insured overall
• Cover for fire, collision and overturning of removal vehicle
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to 20% contents sum insured overall
• Cover for fire, collision and overturning of removal vehicle
• Up to 20% contents sum insured overall
• Cover for fire and accident involving removal vehicle
• Up to contents sum insured overall
• Cover for fire, flood, water runoff and road accident
• Up to contents sum insured overall
• Cover for fire; flood and collision, overturning, theft or accident of removal vehicle
• Up to contents sum insured overall
• Cover for fire, collision and overturning of removal vehicle
• Up to contents sum insured overall
• Cover for fire, collision and overturning of removal vehicle
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, collision and theft from removal vehicle
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for fire, storm, flood, cyclone, tsunami, lightning, explosion, earthquake, storm surge, collision of removal vehicle and theft following violent or forced entry
• Up to $10000 for accidental damage
• Up to 20% contents sum insured overall
• Cover for fire and collision or overturning of removal vehicle
• Up to contents sum insured overall
• Cover for fire; theft with forcible entry and collision, overturning or flooding of removal vehicle
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Cover for fire; flood; accident involving removal vehicle and collision, overturning or theft of removal vehicle
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Cover for fire; flood and collision, overturning, theft or accident of removal vehicle
• Up to contents sum insured overall
• Cover for fire, collision and overturning of removal vehicle
• Up to contents sum insured overall
• Cover for fire; flood; accident involving removal vehicle and collision, overturning or theft of removal vehicle
• Up to contents sum insured overall
• Cover for fire; flood; accident involving removal vehicle and collision, overturning or theft of removal vehicle
• Up to contents sum insured overall
• Cover for fire and collision, overturning or theft of removal vehicle
• Up to contents sum insured overall
• Cover for fire; flood; accident involving removal vehicle and collision, overturning or theft of removal vehicle
• Up to contents sum insured overall
• Cover for fire, overturning of removal vehicle, accident involving removal vehicle and theft involving forcible entry to removal vehicle
• Up to contents sum insured overall
• Cover for fire; flood; accident involving removal vehicle and collision, overturning or theft of removal vehicle
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Cover for fire, flood, water runoff and road accident
• Up to contents sum insured overall
• Cover for fire, flood, water runoff and road accident
• Up to contents sum insured overall
• Cover for fire and collision or overturning of removal vehicle
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Cover for fire, overturning of removal vehicle, accident involving removal vehicle and theft involving forcible entry to removal vehicle
• Up to 20% contents sum insured overall
• Cover for fire, collision and overturning of removal vehicle
• Up to 20% contents sum insured overall
• Cover for fire; accident involving removal vehicle and collision, overturning or theft of removal vehicle
• Up to contents sum insured overall
• Cover for fire; flood; accident involving removal vehicle and collision, overturning or theft of removal vehicle
• Up to contents sum insured overall
• Cover for fire, collision and overturning of removal vehicle
• Up to contents sum insured overall
• Cover for fire, collision and overturning of removal vehicle
• Up to contents sum insured overall
• Cover for fire, flood, water runoff and road accident
• Up to 20% contents sum insured overall
• Cover for fire, collision and overturning of removal vehicle
• Up to 20% contents sum insured overall
• Cover for fire, collision and overturning of removal vehicle
• Up to contents sum insured overall
• Cover for fire, collision and overturning of removal vehicle
• Up to 20% contents sum insured overall
• Cover for fire, collision and overturning of removal vehicle