A sum insured policy. Accidental damage cover is optional.
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Description
- Insurer
- QBE
- Policy
- Contents (strata owners)
- Owner type
- Strata owners
- Provider
- QBE Insurance (Australia) Limited
- About the insurer
Cover summary
- Contents cover
- Nominate a sum insured for your contents
- Legal liability
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- Up to $30 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents worldwide
- Renters liability
- N/A
Cost
- Same price to pay monthly
- ACT price comparison
- $$
- NSW price comparison
- $$
- NT price comparison
- $
- North Queensland price comparison
- $$
- South Queensland price comparison
- $$
- SA price comparison
- $$
- Tasmania price comparison
- $$
- Victoria price comparison
- $
- WA price comparison
- $
Covered events
- Theft
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- 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
- Fire
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- 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
- Flood
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- Covered
- Accidental damage option adds cover for power surge and interruption to power supply
- Covers damage caused by landslide and subsidence but must occur as a direct result of within 72 hours of flood
- Up to $8000 for 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 instruments in the open air
- Accidental damage or portable contents options cover jewellery, watches, mobile phones and portable electronic items in the open air
- No cover for damage caused by water or debris due to entering building through any opening made for alterations, additions, renovations or repairs carried out by you
- No cover for damage caused by water or debris due to existing damage, design faults, structural defect, faulty workmanship or lack of maintenance you were aware of and knew may result in damage, and you did not advise your landlord or strata body corporate (and a reasonable person in the circumstances would have)
- Storm and cyclone
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- Covers damage caused by storm, rain and hail
- Accidental damage option adds cover for power surge and interruption to power supply
- Covers damage caused by landslide and subsidence but must occur as a direct result of within 72 hours of storm, rain or hail
- Up to $8000 for 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 instruments in the open air
- Accidental damage or portable contents options cover jewellery, watches, mobile phones and portable electronic items in the open air
- No cover for damage caused by water, rain, wind, hail or debris entering building through any opening made for alterations, additions, renovations or repairs carried out by you
- No cover for damage caused by water, rain, wind, hail or debris due to existing damage, design faults, structural defect, faulty workmanship or lack of maintenance you were aware of and knew may result in damage, and you did not advise your landlord or strata body corporate (and a reasonable person in the circumstances would have)
- Storm surge
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- Covered
- Accidental damage option adds cover for power surge and interruption to power supply
- Covers damage caused by landslide and subsidence but must occur as a direct result of within 72 hours of storm surge
- Up to $8000 for 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 instruments in the open air
- Accidental damage or portable contents options cover jewellery, watches, mobile phones and portable electronic items in the open air
- No cover for damage caused by water or debris entering building through any opening made for alterations, additions, renovations or repairs carried out by you
- No cover for damage caused by water or debris due to existing damage, design faults, structural defect, faulty workmanship or lack of maintenance you were aware of and knew may result in damage, and you did not advise your landlord or strata body corporate (and a reasonable person in the circumstances would have)
- Action of the sea
- Not covered
- Tsunami
- Covered
- Explosion
- Covered
- Earthquake
- Covered
- Vandalism
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- Covers damage from vandalism and malicious acts
- No cover for damage by you or your family
- No cover for damage by somone with your or your family's consent or someone who was at property with consent of you, your family or agent at the time of the incident
- Riot & civil unrest
- Covers riot, civil commotion and industrial or political demonstration
- Impact damage
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- Covers damage caused by falling trees or branches
- Covers damage caused by trains, vehicles, trailers, caravans, watercraft or hovercraft
- Covers damage caused by television, radio or satellite aerials (including masts and fittings)
- Covers damage caused by aircraft, spacecraft, satellites or space debris
- Covers damage caused by any part of, or anything carried by, the items listed above
- Covers costs to remove fallen trees or branches that cause the damage
- Covers costs to fell and prune or remove trees and parts of trees that cause the damage, if recommended by a qualified professional due to the risk of further impending damage
- Covers costs to treat stumps to prevent further growth
- No cover for damage caused by tree lopping, pruning or felling done by you or with your consent
- No cover for damage caused by wheels, tyres or weight of a vehicle fixtures such as paths, driveways, bridges, culverts, or underground pipes, cables or utilities
- Does not cover costs to remove stumps
- Does not cover television, radio or satellite aerials or fittings or masts that cause the damage
- Animal damage
-
- Covers damage caused by animals/birds accidentally trapped inside living area
- Covers damage caused by animals/birds colliding with property
- Covers fire and escape of liquid caused by insects, rodents or vermin
- No cover for damage caused by your pets or animals at property with permission
- No cover for damage to enclosed crawl space, outside of buildings, roof cavity or contents in the open air caused by chewing, clawing, eating, fouling, pecking, scratching, soiling or polluting in any way
- Escape of water and other liquids
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- Covers escape of liquid from: › plumbing systems, roof gutters and downpipes › waterbeds, white goods and fixed heating or cooling systems › baths, showers, toilet systems and fixed basins or sinks › tanks › swimming pools and spas › water main or pipe
- Covers damage caused by landslide and subsidence
- No cover for damage caused by gradual processes that you knew may result in liquid damage (or should reasonably have), and you didn't advise strata body corporate or landlord
- No cover for damage caused by defect or faulty workmanship that you knew may result in liquid damage (or should reasonably have), and you didn't advise strata body corporate or landlord
- No cover for damage caused by lack of maintenance that you knew may result in liquid damage (or should reasonably have), and you didn't advise strata body corporate or landlord
- No cover for damage caused by the porous condition of tiles, grouting or sealant
- No cover for damage deliberately caused by you and your family or someone with your or your family's consent
- No cover for defective parts or items that caused the damage
- No cover for damage to swimming pools or spas caused by hydrostatic pressure
- No cover for costs to fix leaks
- No cover for costs to fix defects in the design or construction of a system
- Breakage
-
- Covers: – glass that forms part of mirrors – glass that forms part of relocatable light fittings – glass that forms part of furniture
- Accidental damage option covers: – glass components of items worn or carried by hand – crockery and glassware – glass vases and ornaments – glass forming part of clocks, pictures, televisions, radios and computer monitors
- No cover for chips, scratches, surface cracks or where facture in glass does not extend through entire thickness
- Does not cover: – glass designed to be exposed to heat – glasshouses or conservatories
- Accidental damage
-
- Optional
- Covers accidental loss and damage to your contents
- Covers damage caused by power surge
- Covers charring, melting or scorching caused by heat generated from items in the ordinary course of their use and smoking items
- Covers accidental loss where you have taken reasonable steps to find or recover lost contents
- Covers accidental breakage of crockery, glassware and glass vases and ornaments
- Covers accidental breakage of glass components of items worn or carried by hand
- Covers accidental breakage of glass forming part of clocks, pictures, televisions, radios or computer monitors
- Covers contents in the open air
- Covers theft and burglary of cash, vouchers, coupons, gift cards, money orders and negotiable financial documents when there is forcible entry involving actual or threatened violence to a person, or that causes damage to the buildings
- Covers theft and burglary of unattended unattended jewellery in the open air or in an unlocked vehicle, caravan or trailer in the open air at your property
- Covers theft and burglary of watches, mobile phones and portable portable electronic items
- No cover for bicycles, drones, personal mobility devices, watercraft, power driven items or sporting equipment while being used
- No cover for items used by you or your family for earning any income, while being used
- No cover for model aircraft
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
- New for old contents replacement
- Unoccupied homes
-
- Additional excess (amount not disclosed) if unoccupied for more than 90 consecutive days
- You must receive insurer approval if home will be unoccupied for this long
- $1500 additional excess if unoccupied for more than 90 consecutive days and you haven't told insurer
- $4500 additional excess if unoccupied for more than 365 consecutive days and you haven't told insurer
- Additional excess does not apply to riot, lightning, earthquake, tsunami, collision or falling tree or branch claims
Contents
- Cover for unlisted portable 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
- Optional cover for specially listed valuables
-
- 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
- Contents in the open air
-
- 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
- Temporary accommodation
-
- 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
- Debris removal
- Covered
- Exploratory costs
- Not covered
- Emergency storage
-
- Up to 20% sum insured or $25000
- Limit combined with accommodation
- Covers moving contents into storage and storage costs
- Keys and locks after break-in
- Up to $2500 overall
- Motor burnout
- Motors up to 10 years
- Jewellery
- Up to $2500 per item, set or pair
- Artworks
- Up to $20000 per item, set or pair
- Collections (e.g. stamps, coins)
- Up to $5000 per collection
- Digital media
- Up to $1000 overall
- Spoiled food
-
- Up to $500
- One claim per year
- Covers spoilage caused by failure of electricity supply and mechanical or electrical breakdown
- No cover for spoilage caused by you, your family or someone at property with consent switching off power supply, deliberate act of power supply authority, industrial action, or if power supply authority pay you compensation for spoilage
- No excess for claims relating only to spoilage
- Covers food and prescribed medicines that must be refrigerated or frozen
- Visitors' contents
- Not covered
- Pet cover
- Not covered
- Permanent fixtures
-
- 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
- Overlapping cover at a new house
- Up to 60 days cover at both addresses
- Cover for contents while moving house
-
- Up to contents sum insured overall
- Cover for fire; theft with forcible entry and collision, overturning or flooding of removal vehicle
