Sum insured policy. Provided by Allianz. Available in ACT, NSW, Qld, SA, Tas, Vic & WA
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Description
Cover summary
- Up to $20 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents worldwide
Cost
Covered events
- Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
- 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 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
Claims
- Repair damaged items
- Replace damaged items
- Pay you the item's replacement value, up to your sum insured or other sublimits
- 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
Contents
- 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
- Cover for accidental loss or damage
- Covered anywhere in Australia, and for up to 120 days in rest of the world
- $100 excess
- 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% sum insured overall
- Paid on top of sum insured
- Up to remaining sum insured after claim settlement
- Covers moving and storing undamaged contents
- Motors up to 10 years
- Optional
- 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 sum insured overall
- Covers fixtures, fittings and structural improvements not insurable by the body corporate
- Covered fixtures include fixed ceiling, wall and floor coverings; fixed domestic appliances that are permanently connected to electricity; toilets; baths; showers; sinks; taps; ceiling fans; light fittings; built-in furniture; clotheslines; built-in barbecues; carpets; floating floors; curtains; blinds; awnings; gas or water; air conditioners; heating systems; ovens; dishwashers; hot water systems; plumbed in refrigerators and fixed satellite dishes and antennas
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