Sum insured policy. Provided by RACT. Available in Tasmania
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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, burglary and attempt to commit theft or burglary
- No cover for theft by you or residents
- No cover for theft by people who enter address with consent of you or a resident
- No cover for theft by people who enter or leave through an open or unfinished wall, roof, door or window, even if it was temporarily secured or covered
- Covers fire and bushfire
- Also covers damage caused by soot, smoke, heat, ash from fire within 100m of home
- Accidental damage option adds cover for scorching where there is no flame
- No cover for soot, smoke, heat, ash where your house has not caught fire
- No cover for items which by their intended purpose have a fire in them, and and the fire damage is contained to that item
- No cover for homes unoccupied for more than 60 days without insurer approval (bushfire is covered)
- 72 hour waiting period for bushfire
- Covered
- Covers damage caused by rising damp, seepage of water from ground, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement, but must be directly caused by and occur within 72 hours of flood
- 72 hour waiting period
- Covered
- Covers damage caused by rising damp, seepage of water from ground, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement, but must be directly caused by and occur within 72 hours of storm
- Storm must be accompanied by heavy rain, strong winds, lightning, snow or hail
- 72 hour waiting period
- Covers damage caused by falling trees or parts of a tree
- Covers damage caused by or arising from the use of a vehicle (including aircraft and water-borne craft)
- Covers damage caused by falling power poles or communication poles, towers or lines
- Covers damage caused by aerials or satellite dishes
- Covers damage caused by animals (unless it is kept at the address)
- Covers damage caused by space debris; or debris from an aircraft, rocket or satellite
- No cover for damage caused by roots of trees, plants, shrubs or hedges
- No cover for damage caused by tree-felling or lopping at the address
- No cover for damage to roads, driveways, paths, paving, bridges, causeways or underground services caused by vehicles, cranes or earth moving equipment
- Does not cover removal and disposal of fallen trees or branches or other objects unless required to undertake repairs to the home
- Does not cover removal and disposal of tree roots or tree stumps that are still in the ground
- Does not cover items that cause the impact damage
- Does not cover removal and disposal of debris or other objects unless required to undertake repairs to the home
- Covers impact damage caused by animals not kept at address
- Covers damage caused by animals/birds accidentally trapped at address biting, chewing, clawing, pecking or urinating/excreting/vomiting
- Covers fire and escape of liquid caused by insects, rodents or vermin
- No cover for impact damage caused by animals belonging to/in care of resident/someone at address with consent of resident
- Up to $5000 for damage caused by trapped animals
- Optional
- Covers accidental loss and damage to your contents
- Covers damage caused by escape of liquid from a portable container
- Covers scorching where there is no flame
- No cover for cash; mobile phones; portable electronic devices; computers; laptops; swimming pool liners and covers or remote controlled, model or toy vehicles, watercraft, aircraft or drones
- No cover for photographs or films or other visual images stored electronically or on any other medium including hard copies
- No cover for property belonging to visitors
- No cover for ride-on lawnmowers; motorised wheelchairs; mobility scooters; musical instruments; fishing rods; bicycles; sporting, leisure or recreational equipment or non-motorised watercraft while in use
- No cover for damage caused by animals, birds or insects pecking, biting clawing or chewing; animal, bird or insect urine, excrement or vomit; building, renovating or altering the home (unless you are painting; renters; tenants; guests; boarders; or mechanical or electrical breakdown
- No cover for loss of items which have been misplaced
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)
Contents
- Covers some items for theft and accidental loss/damage
- Up to $3000 overall
- Up to $1000 per item, pair and set
- Covered anywhere in Australia and New Zealand
- $100 excess
- Optional
- Cover for theft and accidental loss/damage
- Covered anywhere in Australia and New Zealand
- $100 excess
- Up to 10% sum insured
- Paid on top of sum insured
- Covers additional accommodation expenses, mail redirection, utility connection fees, rental bond, removal/storage costs and commercial pet boarding
- Limit combined with emergency storage
- Up to 10% sum insured overall
- Paid on top of sum insured
- Up to 10% sum insured
- Paid on top of sum insured
- Limit combined with accommodation
- Covers storing contents which will not fit in temporary accommodation
- Motors up to 10 years
- Optional
- Up to $1000 overall
- Cover for unit failure and failure of public electricity supply
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