Sum insured policy. Provided by Suncorp. Available in ACT, NSW, NT, 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 and New Zealand
Cost
Covered events
- 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
- 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
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–$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
- Cover for accidental loss/damage
- Covered anywhere in Australia and New Zealand
- $100 excess
- Up to 10% sum insured
- Paid on top of sum insured
- Covers temporary accommodation for you and your pets, mail redirection, utility connection fees, relocation costs, rental bond, and lease break fees
- Covers additional rent above what you already pay
- Up to 10% sum insured overall
- Paid on top of sum insured
- Up to 10% sum insured
- Paid on top of sum insured
- Covers moving/storing contents
- Motors up to 10 years
- Optional
- Up to $4000 overall
- Up to $2000 per item or set
- Up to $50000 overall
- Up to $10000 per item or set
- Up to $500 overall
- Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
- Up to $2000 overall
- Cover for accidental injury
- Optional
- Up to contents sum insured overall
- Cover for fire; flood; accident involving removal vehicle and collision, overturning or theft of removal vehicle
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