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«LISTED EVENTS HOME LISTED EVENTS HOME INSURANCE PRODUCT DISCLOSURE STATEMENT AND POLICY WITH FLOOD COVER This Product Disclosure Statement (PDS) has ...»

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LISTED EVENTS

HOME INSURANCE PRODUCT

DISCLOSURE STATEMENT

AND POLICY

with Flood Cover

LISTED EVENTS HOME

LISTED EVENTS HOME

INSURANCE PRODUCT DISCLOSURE

STATEMENT AND POLICY

WITH FLOOD COVER

This Product Disclosure Statement (PDS) has been designed to help you get the most out of your policy.

Use the contents pages and topic index to help fnd what you are looking for. Important tasks such as taking out insurance or making a claim are explained in easy to follow steps. And we have included a glossary of words with a special meaning.

When you take out an insurance policy with us, the cover we agree to provide you is set out in your current schedule, and described in this PDS, as well as any Supplementary PDS we may issue. Together, they make up the terms and conditions of your insurance contract with us. Read them carefully and store them together in a safe place.

If you need more information about this PDS, please contact us or your insurance adviser.

Contents About This Insurance 5 Listed Events Home Insurance 5 What This Policy Covers 6 Buildings we will cover 6 What we will pay for buildings 7 Contents we will cover 7 What we will pay for contents 9 Where your contents are covered 11 Listed events cover 12 Additional cover included in this insurance 17 Liability cover included in this insurance 24 Optional cover you can add to your policy 26 Exclusions To Your Cover 30 Your Responsibilities To Us 34 Your duty of disclosure 34 Your responsibilities when you are insured with us 35 Your responsibilities when you are making a claim 36 If you do not meet your responsibilities 37 Our Commitment To You 38 The General Insurance Code of Practice 38 Our guarantee 38 How CGU protects your privacy 39 How To Take Out Insurance 40 How to apply for insurance 40 How to renew your insurance 40 How to cancel your policy 41 How to change your policy 41 If you move to a new home 41 Your premium 42 Your excess 43 How To Make A Claim 44 How we settle a buildings claim 45 How we settle a contents or valuab

–  –  –

Index 55 About This Insurance Listed Events Home Insurance Listed Events Home Insurance covers your buildings or contents for loss or damage as a result of any incident listed in this PDS.

We also provide cover for a range of additional covers and your legal liability.

You can choose to take out a buildings policy, a contents policy, or a combined buildings and contents policy.

You can also add options to your policy for domestic workers’ compensation, strata title mortgagee protection, or to extend your valuables cover.

Your buildings or contents will be covered up to the sum insured, as listed on your current schedule.

To fnd out what this policy covers, see next page For exclusions to this cover, see page 32 P What This Policy Covers Buildings we will cover We will cover residential buildings, their fixtures and fittings and any structural improvements at your home.

Your buildings include:

• residential buildings that you live in, including any professional offces or surgeries in those buildings

• domestic outbuildings

• fxed coverings to walls, foors and ceilings – these do not include fixed carpets, curtains or internal blinds.

• infrastructure for services, including infrastructure for the supply of electricity, gas, water, internet and telephone

• items built in, fxed to, or on the buildings

• blinds or awnings on the outside of the buildings

• in built swimming pools and spas

• boat jetties or pontoons that you are legally responsible for

• fences and gates (limits may apply).

Your buildings do not include:

• buildings that a tenant is liable for under the terms of a rental agreement

• plants, shrubs, trees or grass, unless:

– we are covering these under ‘Trees, plants and shrubs replacement’.

• lawns

• loose or compacted soil, gravel, pebbles, rocks or sand

• dams.

For Trees, plants and shrubs replacement, see page 24 P What we will pay for buildings We will cover your buildings up to the sum insured, as listed on your schedule.

Contents we will cover We will cover household goods or personal effects not fixed or fitted to buildings that you own or are legally responsible for.

Your contents include:

• accessories and spare parts for motor vehicles, motorcycles, mini-bikes, caravans, trailers and watercraft, that are not in, or on them

• items thinly covered with gold or silver that are not jewellery or watches

• carpets, curtains or internal blinds

• flm, slides and prints, however:

– we will only pay the value of these items as unprocessed material, and the cost of processing them – if you purchased them already processed we will only pay their replacement value – we will not pay the costs of recreating any event.





• tapes, cassettes, cartridges and discs, however:

– we will only pay the value of these items when blank unless they were pre-recorded when you purchased them.

• computer software

• media purchased online, e.g. music, software, and videos

• landlords’ fxtures and fttings that you are liable for

under the terms of a rental agreement, unless:

– the body corporate or similar body has insured them.

• fxtures and fttings that you have installed for your own use if you are a tenant, or the owner of a strata title unit,

unless:

– the body corporate or similar body has insured them.

• goods you use to earn an income at your home, however:

– goods do not include office and surgery equipment.

• offce and surgery equipment that you use to earn an income at your home

• unregistered motorised golf buggies, ride-on mowers and wheelchairs

• unregistered motorcycles or mini-bikes up to 125cc that

do not require registration by law, unless:

– they are being used for racing or pacemaking.

• money and negotiable documents

• watercraft less than four metres long that is not powered by a motor, or is powered by a motor less than 10hp

Valuable items included in contents:

• valuable items as listed below:

– jewellery and watches – items that contain gold or silver (this does not include items thinly covered with gold or silver) – furs – collections of stamps, money or medals – battery-powered items as listed below:

à audio visual equipment à camera equipment, including accessories and unprocessed flm, unless they are being used underwater, or to earn your income à electronic diaries à GPS à mobile or portable phones à portable computers.

– sporting equipment, unless it is being used.

You can increase the level of cover for valuable items by choosing the other valuables or special valuables option.

For a description of the other valuables and special valuables options, see page 31 P

Your contents do not include:

• unset precious/semi-precious stones

• plants and trees growing outdoors, unless:

– they are growing in pots or tubs.

• animals, including birds and fsh

• pedal cycles while they are used for racing or pacemaking

• motor vehicles, caravans, trailers or aircraft other than model or toy aircraft

• registered motorcycles or mini-bikes

• unregistered motorcycles or mini-bikes over 125cc

• watercraft more than four metres long

• watercraft less than four metres long that is powered by a motor of more than 10hp

• jet skis.

What we will pay for contents There are set maximum amounts that we will pay when you make a claim. These amounts are listed below and are included in your contents sum insured.

–  –  –

Any one item, pair, set, collection $2,500 (inclusive of GST) or system of valuables other than per item, pair, set, sporting equipment collection or system

–  –  –

Nominating the amount we will pay for contents When you take out a contents policy, you must nominate the replacement value of your contents at today’s prices. This is called your ‘sum insured’ and is listed on your schedule.

Increasing the amount we will pay for contents excluding valuable items You can increase the maximum amount we will pay for any content item, pair, set, collection or system by nominating an amount that is higher than $20,000. Your contents will be listed on your schedule as ‘special contents’.

Increasing the amount we will pay for valuables You can increase the total amount we will pay for your valuables by adding the other valuables option to your policy.

This amount is in addition to your contents sum insured.

You can increase the maximum amount we will pay for an individual valuable item by adding the. Special valuables option to your policy. This amount is in addition to your contents sum insured.

Where your contents are covered Your contents are covered at your home. Your contents are also covered away from your home, anywhere in Australia.

Contents – at your home We will cover your contents at your home for loss or damage as a result of an incident we have agreed to cover.

Contents – at your home in the open air If your contents are at your home in the open air (not in a building that is fully enclosed) and they suffer loss or

damage as a result of:

• storm, food, rainwater or wind, or

• theft or attempted theft, the most we will pay is up to $2,000 (inclusive of GST) in total. This limit does not apply to swimming pools, saunas or spas, or their accessories.

Contents – away from your home We will cover your contents away from your home, anywhere in Australia up to 90 consecutive days, for loss or damage as a result of an incident we have agreed to cover.

We will only cover your contents for loss or damage as a result of storm, food, rainwater, wind or impact by a vehicle

if they are:

• in a residential building, boarding house, motel, hotel, club, nursing home, or hospital where you are staying, or

• sporting equipment stored within a club room.

We will not cover:

• accessories and spare parts for motor vehicles, motorcycles, mini-bikes, caravans, trailers and watercraft

• goods you use for earning an income

• offce and surgery equipment you use for earning your income, while they are away from your home.

We will not cover your contents:

• for theft while they are away from your home, unless:

– they are sporting equipment locked in a clubroom.

• for loss or damage as a result of storm, food, rainwater, wind, or impact by a vehicle if they are in a tent, vehicle, caravan, trailer, aircraft, or watercraft

• if they have been away from your home for more than 90 consecutive days, unless:

– the contents are sporting equipment stored within a club room.

• if they have been removed permanently from your home

by you, unless:

– we have agreed to cover them.

• if they are on the way to, or from, or are in a commercial storage facility, or in transit during a permanent removal,

unless:

– we have agreed to cover them under ‘Contents in transit’ or ‘Contents in a commercial storage facility’.

Listed events cover We will cover your buildings or contents for loss or damage as a result of the incidents listed on the following pages.

If you make a claim, you will need to pay any excesses that apply – you will only need to pay this amount once.

Any cover we provide is subject to exclusions.

For exclusions to this cover, see page 32 P Accidental breakage We will cover your buildings or contents for loss or damage when an item is chipped or fractured through its entire thickness.

If you have insured your buildings we will cover any:

• fxed glass in your buildings, including:

– any window tinting or shatter proofing material attached to the glass.

• fxed shower bases, basins, sinks, spas, baths and toilets.

If you have insured your contents we will cover any:

• mirrors, glassware, crystal, crockery, unless:

– they are damaged while being used, cleaned or carried by hand.

• glass in furniture, however:

– we will not cover glass that is part of a television, or a computer screen or monitor.

If you have insured your contents and live in a rental building, we will cover accidental breakage of fxed shower

bases, basins, sinks, spas, baths and toilets, however:

• this only applies when your rental agreement makes you responsible for these items.

Burglary or break-in We will cover your buildings or contents for loss or damage as a result of a burglary or break-in, or an attempted burglary or break-in.

We will not cover loss or damage as a result of a burglary or break-in by a tenant.

The burglary or break-in, or attempted burglary or break-in, must be reported to the Police.

Burning out of an electric motor We will cover the cost to repair or replace your electric motor if it burns out or fuses.

We will only do this if your electric motor is 15 years old or less.

Deliberate or intentional acts We will cover your buildings or contents for loss or damage as a result of a deliberate and intentional act.

We will not cover loss or damage as result of a deliberate or intentional act by a tenant.



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