Sum insured policy with 10% safety net. Provided by Allianz. Available in SA
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Description
Cover summary
- Nominate a sum insured for your contents
- 10% underinsurance safety net
- Up to $20 million
- Cover for people named on the policy
- Cover for incidents in Australia and New Zealand
Cost
Covered events
- Covers loss and damage due to theft, burglary and attempted theft
- Up to $1000 for misuse of credit or ATM cards and theft of money from your bank account, after theft or loss of card in anywhere Australia
- Up to $500 for spare parts and unattached accessories for vehicles, caravans, watercraft or trailers (must be in the home), after theft resulting from violent and forcible entry into home
- No cover for theft by you, residents or guests
- No cover for theft by people who enter home without violent or forcible entry, with express or implied consent of you, your guest or a resident
- No cover for theft without violent or forcible entry from common areas of multiple occupancy residences
- No cover if home has been unoccupied for more than 90 consecutive days
- No cover while home is being reconstructed or renovated, involving the removal of or interference with all or part of the roof or an external wall
- 48 hour waiting period for theft
- Covers fire and bushfire
- Also covers damage caused by smoke, scorching, heat
- No cover for damage to floor coverings damaged by open fire, combustion heater, stove
- No cover for scorching/heat where there was no fire, scorching or heat damage where there is no fire or cigarette/cigar marks or scorching
- No cover for gradual exposure to fire, heat, ash, soot, smoke due to recurring incidents over time or gradual exposure to fire, heat, ash, soot and smoke due to recurring incidents of an extended period of time
- No cover for cost of repairing electrical breakdowns or short-circuits
- 48 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 general contents for theft and accidental loss/damage
- Choose overall limit from $2000–$5000
- Covered anywhere for up to 60 days in Australia and New Zealand
- $250 excess
- Optional
- Cover for theft and accidental loss/damage
- Covered away from home worldwide
- $0 excess
- Up to 12 months or 10% sum insured
- Paid on top of sum insured
- Covers temporary accommodation for people living at the address
- Up to $10000 overall
- Up to $5000 per set or piece
- Up to $500 overall
- Cover for unit failure, motor burnout and failure of public electricity supply
- Up to $5000 overall
- Optional
- Up to $500 overall
- Cover for illness and accidental injury
- Optional
- Up to contents sum insured overall
- Cover for fire and collision or overturning of removal vehicle
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