Sum insured policy. Provided by A&G. 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 in Australia
Cost
Covered events
- Covers loss and damage due to theft and attempted theft
- Covers theft from secure shared areas, if there is evidence of forced entry
- Up to $1000 for contents in the open air
- 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 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
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/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
- 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
- Up to sum insured overall
- Up to $1000 for theft
- Up to 12 months or 10% sum insured
- Paid on top of sum insured
- Covers accommodation for you and your pets
- Up to 10% sum insured overall
- Paid on top of sum insured
- Up to sum insured
- Covers removing/storing contents in commercial storage facility
- Motors up to 10 years
- Optional
- Up to $5000 overall
- Up to $1000 per item or set
- Up to $12000 overall
- Up to $5000 per item or set
- Up to $500 overall
- Cover for insured events
- Optional cover for motor burnout
- Up to sum insured overall
- Covers fixtures/fittings not part of the home for insurance purposes
- Up to 20% contents sum insured overall
- Cover for fire, collision and overturning of removal vehicle
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