Sum insured policy. Provided by QBE. Available in all states & territories
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Description
Cover summary
- Up to $30 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, burglary, attempted theft and attempted burglary
- Up to $1250 for cost of security firm attendance responding to monitored alarm (limit one claim per year), after burglary and attempted burglary
- Accidental damage option covers up to $8000 contents in the open air (Sublimit removed if you buy accidental damage option. No sublimit applies to outdoor furniture, barbecues and above ground pools.)
- Accidental damage option covers cash, vouchers, coupons, gift cards, money orders and negotiable financial documents, after burglary when there is forcible entry into the home involving actual or threatened violence to a person and or that causes damage to building
- Accidental damage or portable contents options cover mobile phones, portable electronic items, unattended jewellery and watches in the open air or in an unlocked vehicle, caravan or trailer in the open air at the address
- No cover for theft by you or your family
- No cover for theft by people with the consent of you or your family; or people on the property with the consent of you, your family or agent
- Covers fire and bushfire
- Also covers damage caused by charring, melting and scorching due to heat from a fire
- Also covers damage caused by smoke, ash and soot
- Accidental damage option adds cover for charring, melting and scorching heat generated from an item in the ordinary course of its use
- No cover for damage to items designed to be exposed to or generate heat, damaged in the ordinary course of its use, where that's the only damage that occurs
- No cover for damage deliberately caused by due to the insured, family members or people with consent of the insured or their family
Claims
- Repair damaged items
- Replace damaged items
- Pay you the item's replacement value, up to your sum insured or other sublimits
Contents
- Covers some items for theft and accidental loss/damage
- Nominate a limit per item group, up to $15000 for bicycles and personal mobility devices, collections, jewellery and watches, medical and health items, mobile phones, portable electronic devices, and recreational/hobby items and clothing
- Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
- Contents excess applies
- Optional
- Cover for theft and accidental loss/damage
- Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
- Contents excess applies
- Up to sum insured overall
- No sublimits for above ground pools, barbecues or outdoor furniture
- Up to $8000 for rain, hail, theft, storm, flood, burglary and storm surge
- No cover for animal damage
- Up to 24 months, 20% sum insured or $25000
- Paid on top of sum insured
- Covers temporary, alternative accommodation for your family and pets; relocation/storage costs; additional expenses; mail redirection; and utility connection fees
- Limit combined with emergency storage
- Up to 20% sum insured or $25000
- Limit combined with accommodation
- Covers moving contents into storage and storage costs
- Up to $500 overall
- Cover for unit failure and failure of electricity supply
- Up to sum insured overall
- Up to contents sum insured for extraordinary payments/special levies, when building is damaged by covered event and body corporate is underinsured
- Up to $50000 for extraordinary payments/special levies, when building is damaged by covered event and body corporate is underinsured
- Covers fixtures which body corporate is not required by law or its constitution to insure
- Covered fixtures include carpets, linoleum, floating floors, other fixed floor coverings, room heaters, ceiling fans, lighting fixtures, kitchen cupboards, built-in furniture, blinds, exterior awnings, mobility handles/rails and hot water systems that exclusively service your lot
- Up to contents sum insured overall
- Cover for fire; theft with forcible entry and collision, overturning or flooding of removal vehicle
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