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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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Earthquake or tsunami We will cover your buildings or contents for loss or damage as a result of an earthquake or tsunami.

You must pay an additional excess of $250.

We will only cover loss or damage as a result of an earthquake if the loss or damage occurs within 72 hours of the earthquake.

Fire or explosion We will cover your buildings or contents for loss or damage as a result of a fre or an explosion.

We will not cover loss or damage caused by a bushfre or grassfre within 48 hours of the start date of your policy,

unless:

• you took out your insurance with us immediately after another insurance policy covering the same buildings or contents expired, without a break in cover

• you took out your insurance with us immediately after the risk passed to you as purchaser of your buildings

• you took out your insurance with us immediately after you signed a lease contract for your buildings.

Impact damage We will cover your buildings or contents for loss or damage as a result of an impact.

We will only cover loss or damage caused by the impact of:

• an aircraft, spacecraft or satellite, or:

– anything dropped from them.

• a falling television or radio antenna mast or dish

• vehicles or watercraft

• an animal or bird that is not kept at your home, unless:

– the loss or damage is caused by any animal or bird eating, chewing clawing or pecking.

• a falling tree or part of a tree, unless:

– the damage is caused when you, or someone else acting on your behalf, cuts down or removes branches from a tree.

We also pay the cost of removing and disposing of the fallen tree or parts.

Landslide or subsidence We will cover your buildings or contents for loss or damage as a result of a landslide or subsidence.

We will only do this if the loss or damage occurs within 72 hours of:

• an earthquake or explosion

• a storm or food, including rainwater or wind, or

• liquid escaping from a fxed pipe, or an object attached to a pipe, fxed gutter, fxed tank or a drain.

Lightning or thunderbolt We will cover your buildings or contents for loss or damage as a result of lightning or thunderbolt.

Riots or civil commotion We will cover your buildings or contents for loss or damage as a result of riots, civil commotion, or industrial or political disturbances.

Storm, flood, rainwater or wind We will cover your buildings or contents for loss or damage as a result of storm, food, rainwater or wind.

We will not cover loss or damage as a result of food within 14 days (336 hours) of the start date of this policy, unless:

• you took out your insurance with us immediately after another insurance policy covering food and insuring the same building or contents expired, without a break in cover.

We will not cover loss or damage caused by a named cyclone within 48 hours of the start date of your policy,

unless:

• you took out your insurance with us immediately after another insurance policy covering the same buildings or contents expired, without a break in cover

• you took out your insurance with us immediately after the risk passed to you as purchaser of your buildings

• you took out your insurance with us immediately after you signed a lease contract for your buildings.

We will not cover:

• swimming pool covers, including:

– solar covers and plastic liners.

• water entering your buildings:

– through an opening made for any building, renovation or repair work – because of a structural defect, faulty design or faulty workmanship when your buildings were constructed.

• free-standing fences made of corrugated fbrous

material that do not have a supporting frame, unless:

– they have been installed and constructed according to the manufacturer’s specifications.

• free-standing gates, fences or walls that are made of timber and are more than 15 years old

• jetties, wharves, bridges or pontoons for damage by food.

Theft or attempted theft We will cover your buildings or contents for loss or damage as a result of theft or attempted theft.

We will only cover theft of money or negotiable documents when force is used by someone to enter your buildings.

We will not cover your buildings or contents for loss or

damage as a result of:

• theft from any part of the buildings which you share with another person who is not insured under this policy

• theft by a tenant.

The theft or attempted theft must be reported to the Police.

Vandalism or a malicious act We will cover your buildings or contents for loss or damage as a result of vandalism or a malicious act.

We will not cover loss or damage as a result of vandalism or a malicious act by a tenant.

Water or liquid damage We will cover your buildings or contents for loss or damage caused by water or liquid. We will also cover the cost of fnding where the water or liquid escaped from, including the cost of repairing any damage that occurs while looking for the cause.





We will only cover loss or damage as a result of water or

liquid escaping from:

• a fxed pipe or an object attached to a pipe, fxed gutter, fxed tank or a drain

• a bath, basin, sauna, spa, shower base or shower wall, sink, toilet or tiled foor that has drainage holes

• a washing machine or dishwasher

• an aquarium

• a waterbed.

We will not cover the cost of repairing the item that caused the escape of water or liquid escaped from. Or the cost of fxing or fnding leaks that have not caused loss or damage to your buildings or contents.

Additional cover included in this insurance Your insurance includes a range of covers we refer to as ‘additional cover’. These covers are listed on the following pages. The additional cover we provide depends on whether you have a buildings policy, contents policy or a combined buildings and contents policy.

The amount we will pay for these covers is in addition to the sum insured, as listed on your schedule.

If you make a claim for an additional cover, you will not need to pay an excess.

Any cover we provide is subject to exclusions.

For exclusions to this cover, see page 32 P

Accounting fees for a tax auditCONTENTS

If your personal fnancial affairs are audited by the Federal Commissioner of Taxation, we will cover any accountant’s fees that you must pay as a result, up to $5,000 (inclusive of GST) during your period of insurance.

You must advise us of any such audit.

We will not cover claims for:

• any audit that relates to a criminal prosecution

• fees where the fnal assessment of your taxable income for the period being audited is 20 per cent higher than your original declaration

• fees for work performed outside the time limits allowed by the Federal Commissioner of Taxation

• any fnes, penalties or adjustments of taxation.

Alternative accommodationBUILDINGSCONTENTS

If your buildings or contents suffer loss or damage and you are unable to live in your home as a result, we will cover the costs of alternative accommodation for up to 12 months.

The loss or damage must occur as a result of an incident we have agreed to cover.

If you have buildings insurance we will:

• pay an amount that is equal to the weekly rental value of your buildings before the incident occurred

• pay the reasonable costs of alternative accommodation for your pets, up to 10 per cent of the buildings sum insured, as listed on your schedule.

We will not cover this, or we will reduce the amount we pay if:

• you receive any payment for rent from another source

• you do not need to pay for alternative accommodation.

If you have contents insurance, we will pay the reasonable costs of alternative accommodation, up to 10 per cent of the contents sum insured, as listed on your schedule.

We will not cover this, or we will reduce the amount we pay if:

• we have paid you for rent following loss or damage to your buildings

• you receive any payment for rent or accommodation from another source

• you do not need to pay for alternative accommodation.

Contents in a commercial storage facilityCONTENTS

We will cover your contents for loss or damage whilst they are in a commercial storage facility in Australia up to the total contents sum insured, as listed on your schedule.

You must tell us that your contents are in a commercial storage facility before they are put into storage and we must have agreed to cover them.

If we agree to cover your contents in a commercial storage facility, it will be listed on your schedule.

We will only cover your contents if the loss or damage occurs as a result of an incident we have agreed to cover.

We will not cover jewellery, money or negotiable documents.

Contents in transit

CONTENTS

We will cover your contents for loss or damage whilst they are being transported by a vehicle to your home, or to a commercial storage facility within Australia, up to $10,000 (inclusive of GST) during your period of insurance.

We will only cover your contents if there is a theft following violent or forcible entry, or loss or damage occurs as a result of fre, collision or overturning of the vehicle that is transporting your contents.

We will not cover loss or damage:

• to glassware, crystal, crockery, mirrors or china, or

• caused by denting, scratching, chipping or bruising.

Credit card and transaction card misuseCONTENTS

If your credit cards or fnancial transaction cards are:

• misused after they are stolen, or

• fraudulently used on the internet, we will pay the fnancial institutions that issued them, up to $5,000 (inclusive of GST).

We will only cover this if you have complied with the terms on which the credit cards or fnancial transaction cards were issued.

Debris removal and demolishing

BUILDINGS

CONTENTS

We will cover the reasonable costs to demolish and remove any debris that results from loss or damage to your buildings or contents, up to 10 per cent of your buildings or contents sum insured.

The debris must occur as a result of an incident we have agreed to cover.

Document damage

CONTENTS

If documents kept in your home or in a bank vault suffer loss or damage, we will cover the costs to reproduce or restore them, up to $1,000 (inclusive of GST).

This includes the costs to reproduce or restore the information contained on the documents.

Employees’ belongings

CONTENTS

If your employees’ belongings suffer loss or damage, we will cover the cost to repair or replace them, up to $5,000 (inclusive of GST).

We will only cover your employees’ belongings if the loss or

damage occurs:

• as a result of an incident we have agreed to cover

• while your employees are working at your home, and

• while your employees are doing domestic work for you.

We will not cover contents that are already insured under another policy by someone other than you.

Frozen food

CONTENTS

We will cover the cost to replace the loss of any frozen food, up to $500 (inclusive of GST), if your freezer breaks down.

We will only do this if your freezer breaks down as a result of an incident we have agreed to cover.

Funeral expenses

CONTENTS

If you, or any member of your family dies, we will cover the funeral costs, up to $10,000 (inclusive of GST).

The death must occur:

• as a result of an incident we have agreed to cover

• within 12 months of the incident, and

• as a result of an incident that occurred at your home.

Guests’ or visitors’ belongings

CONTENTS

If contents belonging to your guests or visitors suffer loss or damage, we will cover the cost to repair or replace them, up to $5,000 (inclusive of GST).

The loss or damage must occur as a result of an incident we have agreed to cover.

We will not cover contents that are already insured under another policy by someone other than you.

Legal costs in AustraliaCONTENTS

We will cover any legal costs you are liable to pay following legal proceedings brought by you or against you, up to $5,000 (inclusive of GST).

We will only cover legal costs and expenses that:

• occur during your current period of insurance

• you tell us about during your current period of insurance, and

• we have agreed to cover.

We will only pay this once during your period of insurance.

We will not cover legal costs and expenses relating to:

• spouse or partner disputes including, but not limited to, divorce, custody, child maintenance, or property disputes

• claims for death, bodily injury to, or disease of, any person

• claims where cover is available by a standard form of motor vehicle, home owners or householders, motorcycle, caravan or boat insurance

• any criminal charge or prosecution brought against you

• any road traffc offence or boating offence committed by you

• any matter arising out of your business or profession

• any matter arising out of any insurance cover required by legislation

• any award of damages against you

• any penalties, fnes or awards of aggravated, exemplary or punitive damages made against you.

Modifications to your buildingsBUILDINGS



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