A sum insured policy. A white label Hollard policy, identical cover to policies sold by Everyday Insurance and Real Insurance. We've scored this policy on cover only, because the insurer doesn't share its price data.
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Description
- Insurer
- Australian Seniors
- Policy
- Top (strata owners)
- Owner type
- Strata owners
- Provider
- The Hollard Insurance Company Pty Ltd
- About the insurer
Cover summary
- Contents cover
- Nominate a sum insured for your contents
- Legal liability
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- Up to $20 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents in Australia
- Renters liability
- N/A
Cost
- Same price to pay monthly
- ACT price comparison
- N/A
- NSW price comparison
- N/A
- NT price comparison
- N/A
- North Queensland price comparison
- N/A
- South Queensland price comparison
- N/A
- SA price comparison
- N/A
- Tasmania price comparison
- N/A
- Victoria price comparison
- N/A
- WA price comparison
- N/A
Covered events
- Theft
-
- Covered
- 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 at a multi-residency site from common property, common or public areas or unenclosed individual car parks or spaces
- 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 or debit cards or negotiable instruments including coupons or gift cards from the open air
- Does not cover theft of travel or other tickets from the open air
- Does not cover theft of photographic equipment, mobile phones, pagers or computers or any accessories from the open air
- Does not cover theft of tools or trade, instruments or equipment from the open air
- Fire
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- 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
- Flood
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- 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 sails (must be professionally installed) up to five years old
- 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 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
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- 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 sails (must be professionally installed) up to five years old
- No cover for damage caused by gradual deterioration due to rainwater
- 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 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
- 72 hour waiting period for rainwater and storm
- Storm surge
- Not covered
- Action of the sea
- Not covered
- Tsunami
- Covered
- Explosion
- Covered
- Earthquake
- Covered
- Vandalism
-
- Covers malicious damage and vandalism
- No cover for damage by residents
- No cover for damage by someone at site with consent of you or resident
- No cover damage in connection with any business, profession or occupation
- Riot & civil unrest
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- Covers riot, civil commotion and industrial unrest
- No cover for subsequent damage sustained after the first 168 hours of riot, commotion or unrest
- Impact damage
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- Covers damage caused by falling trees or tree branches
- Covers damage caused by motor vehicles, trailers or watercraft
- Covers damage caused by power or communication poles
- Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing
- Covers damage caused by aircraft or debris falling from space
- No cover for damage caused by tree felling or lopping at the site
- No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment
- Does not cover costs to remove tree stumps from the ground
- Does not cover costs to remove or lop trees which have fallen but not damaged the home
- Animal damage
- Not covered
- Escape of water and other liquids
-
- Covers sudden, unexpected, accidental and without warning escape of liquid from: › fixed pipes › waterbeds, aquariums and household appliances › fixed household items used to hold liquid › fixed tanks
- No cover for damage caused by gradual seepage; wear and tear; gradual deterioration; or a gradual process of leaking, splashing, dripping or overflowing
- No cover for damage caused by inadequate drainage systems
- No cover for damage caused by leaking or faulty shower recesses or bases
- No cover for damage caused by lack of routine maintenance
- No cover for damage caused by water or other liquids entering through an opening made for building, renovation or repair work
- No cover for escape of liquid from pipes designed to leak, any fixed item used to hold liquid due to overflowing as a result of a tap being left on, swimming pools, watering systems, pot plants, vases, terrariums, beverage containers, cooking pots, buckets or watering cans
- No cover for items from which water leaked or escaped
- No cover for cost to replace any liquid that escaped
- Breakage
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- Covers: – fixed glass in furniture – contents-related items – mirrors in furniture
- Break must extend through entire thickness of glass
- Does not cover: – glass forming part of stove tops, cooking surfaces, heaters or oven doors – screens of computers or television sets or other types of visual display units – glass vases, ornaments or held-held mirrors – glass in glasshouses, greenhouses or conservatories
- Accidental damage
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- Covered by default
- Covers accidental loss and damage to your contents
- 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
- How the insurer can settle your claim
-
- Repair damaged items
- Replace damaged items
- Pay you the item's replacement value, up to your sum insured or other sublimits
- Cash settlement
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- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- New for old contents replacement
- Covered (excludes clothing, shoes and linen out of use/stored away and computers over 4 years old)
- Unoccupied homes
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- You must receive insurer approval if home will be unoccupied for more than 60 days
- You may be charged an additional premium
- You must: › keep lawns mown and garden tidy › stop regular mail and newspaper deliveries › arrange for someone to check inside and outside weekly
Contents
- Cover for unlisted portable contents
-
- 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 specially listed valuables
-
- Cover for accidental loss/damage
- No cover for disappearance when cause cannot be established
- Covered anywhere in Australia
- $100 excess
- Contents in the open air
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- Up to $8000 overall
- Up to $2000 per item
- No item sublimit for barbecues or garden furniture
- Temporary accommodation
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- Up to 10% sum insured
- Paid on top of sum insured
- Covers temporary accommodation for your family
- Debris removal
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- Up to $15000 overall
- Paid on top of sum insured
- Exploratory costs
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- Applies to claims for escape of liquid
- Covers cost to search for unknown source of leaking pipe
- Up to $500 overall
- Emergency storage
- Not covered
- Keys and locks after break-in
- Up to $1000 overall
- Motor burnout
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- Up to $2000 overall
- Motors up to 10 years
- $100 excess
- Optional
- Jewellery
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- Up to $5000 overall
- Up to $1000 per item or collection
- Artworks
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- Up to $5000 overall
- Up to $1000 per item or collection
- Limit combined with collections
- Collections (e.g. stamps, coins)
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- Up to $5000 overall
- Up to $1000 per item or collection
- Limit combined with artworks
- Digital media
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- Up to $5000 overall
- Up to $1000 per item or collection
- Spoiled food
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- Up to $1000, paid on top of sum insured
- Covers spoilage caused by unforeseeable failure of the public electricity supply
- Optional cover for motor burnout
- $100 excess
- Covers frozen and refrigerated food
- Visitors' contents
- Up to $1000 overall
- Pet cover
- Not covered
- Permanent fixtures
-
- Up to sum insured overall
- Covers fixtures not insurable by body corporate
- Overlapping cover at a new house
- Up to 14 days cover at both addresses
- Cover for contents while moving house
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- Up to 20% contents sum insured overall
- Cover for fire, collision and overturning of removal vehicle
