This very limited policy covers you up to just $25000. As the name suggests, it only covers you for fire and theft. We've scored this policy on cover only, because the insurer doesn't share its price data.
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Description
- Insurer
- AAMI
- Policy
- Fire and Theft Contents (renters)
- Owner type
- Renters
- Provider
- AAI Limited
- About the insurer
- AAMI
Cover summary
- Contents cover
- Contents covered up to $25000 overall
- 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 and New Zealand
- Renters liability
- Covers damage caused by fire, liquid escaping from washing machine, dishwasher or connected pipes and water overflowing from blocked baths or tubs
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
-
- 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 address without signs of forced entry from common property, shared clothes line areas, storage areas, a parking lot within the insured address, or garages
- 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
- Fire
-
- Covers fire and bushfire
- Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
- 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
- Flood
- Not covered
- Storm and cyclone
- Not covered
- Storm surge
- Not covered
- Action of the sea
- Not covered
- Tsunami
- Not covered
- Explosion
- Not covered
- Earthquake
- Not covered
- Vandalism
- Not covered
- Riot & civil unrest
- Not covered
- Impact damage
- Not covered
- Animal damage
- Covers fire caused by animals
- Escape of water and other liquids
- Not covered
- Breakage
- Not covered
- Accidental damage
- Not covered
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
-
- 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
- New for old contents replacement
- Covered (excludes antiques, art objects, collections, ornaments, paintings, pictures, sculptures, sets and memorabilia and works of art)
- Unoccupied homes
- $1000 additional excess if unoccupied for more than 60 consecutive days
Contents
- Cover for unlisted portable contents
- Not covered
- Optional cover for specially listed valuables
- Not covered
- Contents in the open air
- Not covered
- Temporary accommodation
- Not covered
- Debris removal
-
- Up to $5000 overall
- Paid on top of sum insured
- Exploratory costs
- Not covered
- Emergency storage
-
- Up to $5000
- Covers packing, unpacking and transporting contents to/from storage
- Keys and locks after break-in
- Not covered
- Motor burnout
- Not covered
- Jewellery
- Up to $1000 overall
- Artworks
- Up to $1000 overall
- Collections (e.g. stamps, coins)
- Up to $1000 overall
- Digital media
- Up to $1000 overall
- Spoiled food
-
- Up to $100
- Covers refrigerated and frozen food, and refrigerated medicines
- Visitors' contents
- Not covered
- Pet cover
- Not covered
- Permanent fixtures
- N/A
- Overlapping cover at a new house
- Not covered
- Cover for contents while moving house
- Not covered
