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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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If you are injured as a result of loss or damage to your buildings, and the injuries lead to permanent paraplegia or quadriplegia, we will cover the cost of modifcations to your buildings so you can live in them, up to $10,000 (inclusive of GST).

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

Mortgagee discharge costs

BUILDINGS

If you make a claim for the total loss of your buildings, we will cover any legal costs associated with the discharge of any mortgage you have left owing.

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

Rebuilding fees

BUILDINGS

If your buildings suffer loss or damage, and need to be rebuilt as a result, we will cover the costs of employing an architect or surveyor, and also pay any legal fees that arise from the rebuilding, up to 10 per cent of your buildings sum insured.

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

Replacing keys and repairs to, and re-coding of locks and barrels If a key to an external door or window lock of your buildings is stolen, we will cover the reasonable costs to replace your keys and repair and re-code your locks and barrels up to $1,000 (inclusive of GST).

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

The theft must be reported to the Police.

Sale of your homeBUILDINGS

If you have entered into a contract to sell your home, we will

extend your buildings cover to the purchaser until:

• the contract settlement date

• the purchaser insures the home, or

• the purchaser becomes liable for damage to the home, whichever happens frst.

This cover will stop immediately if:

• the sale contract is terminated, or

• your buildings insurance comes to an end.

Security firm to monitor your homeCONTENTS

If your monitored burglar alarm system is set off as a result of a theft or an attempted theft, we will cover the costs of a security frm to attend your home, up to $1,000 (inclusive of GST).

We must agree to cover the theft or attempted theft.

We will not cover this when there is:

• a false alarm, or

• no evidence of an attempted burglary.

Storage costsCONTENTS

If the buildings you live in suffer loss or damage and you are unable to live in them as a result, we will cover the reasonable costs to remove and store your contents for up to 12 months.

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

We will also cover your contents while they are in storage.

Sum insuredBUILDINGSCONTENTS

If we agree to pay you for a loss to your buildings or contents we will increase your sum insured for buildings or contents by the amount the Consumer Price Index (all groups) has increased since you took out your policy.

However, we will not increase your sum insured for special contents.

You will be fully insured again for your buildings or contents

for the amounts shown on your schedule, unless:

• your claim is for a total loss and we pay you the sum insured, then your policy comes to an end, subject to any continuing liability cover and no refund of your premium is due.

See also Liability cover – when your buildings are a total loss, page 26 P Trees, plants and shrubs replacement

BUILDINGS

We will cover the cost to replace any trees, plants or shrubs that are stolen, burnt, maliciously damaged, or damaged by a vehicle, up to $750 (inclusive of GST) during your period of insurance.

We will not cover loss or damage to a lawn.

Veterinary expenses

CONTENTS

If your pet is injured as a result of a road accident, we will cover the veterinary expenses, up to $500 (inclusive of GST).

Liability cover included in this insurance We will cover your legal liability as a result of an incident that causes loss or damage to someone else’s property, or death or bodily injury to other people, during your period of insurance.

We will also cover claims in connection with your position as a committee member during your period of insurance.

Any cover we provide is subject to exclusions.

For exclusions to this cover, see page 32 P Liability cover – general The most we will pay for all liability claims under this policy is $20,000,000 (including GST).

This amount includes any legal costs that must be paid to defend the claim and any costs awarded against you.

If you have insured your buildings, including strata title or a similar scheme, we will cover you for the amount you have to pay as owner or occupier of the buildings.

If you have insured your contents and live in a rental building, we will cover you for the amount you have to pay as owner of your contents, or occupier of the building.

If you have insured your contents and you own part of the building that has been subdivided, we will cover you for the amount you have to pay as owner of your contents, or occupier of your part of the building.





If you have insured your contents, other valuables or special valuables, we will cover you for the amount you have to pay

for any incident that happens:

• anywhere in Australia

• anywhere in Australia in connection with your position as a

committee member of a sporting or social club, however:

– we will not pay if you receive more than $1,000 per year for holding that position.

• anywhere in the world for 90 consecutive days, starting from the time you leave Australia.

We will not cover you for any amount you have to pay as owner or occupier of your buildings.

If you have insured your contents, we will cover you for any amounts you have to pay for any incident that happens

anywhere in Australia arising out of the use of:

• a watercraft that is less than 4 metres long and is not powered by a motor, or is powered by a motor less than 10hp, unless:

– the watercraft is a jet ski.

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

which do not require registration by law, unless:

– they are being used for racing or pacemaking.

Liability cover – when your buildings area total lossBUILDINGS

If your buildings are a total loss, we will continue liability cover for any amount you have to pay as owner or occupier of the buildings for up to six months from the date your buildings were destroyed.

This cover will stop immediately if:

• construction commences at the home

• you sell the land, or

• you take out a new buildings insurance policy for the home.

Liability cover – for committee membersCONTENTS

We will pay for claims made against you for an alleged or actual act or omission during any one period of insurance.

We will only pay for your liability in connection with your position as a committee member of a sporting or social club. The most we will pay, including legal costs, is $10,000 (inclusive of GST) during any one period of insurance.

We will not cover you if you receive more than $1,000 per year for holding this position.

This cover does not apply to liability claims for loss or damage to someone else’s property, or death or bodily injury to other people.

Optional cover you can add to your policy You can broaden the scope of your cover by adding any of the following options. You will need to apply for this cover and pay an additional premium. Any options that we agree to add to your policy will be listed on your current schedule.

Any cover we provide is subject to exclusions.

For exclusions to this cover, see page 32 P Domestic workers’ compensation If you employ a person to do work around your home such as cleaning or gardening, you can add cover for the amount you are liable for if they are injured while working for you, subject to the relevant legislation in your state or territory.

If you choose this option, it will be listed on your schedule as ‘Domestic workers’ compensation’.

You will need to check with your local Workers’ Compensation Authority as this cover may be compulsory.

The cover only applies to employees doing domestic work for your household and will not cover any person that is working for you in your business, profession, trade or occupation or if you are a landlord.

An excess may apply to this option.

To fnd out who the insurer is for this option, see inside back cover P Other valuables With this option you can nominate an overall amount we will pay for accidental loss or damage to your valuables

• anywhere in Australia and New Zealand, and

• anywhere in the world for up to 90 consecutive days from the time you leave Australia, without listing them individually.

Valuable items we cover are 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:

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

• sporting equipment, unless it is being used.

Your valuable items do not include:

• unset precious/semi-precious stones

• items thinly covered with gold or silver

• motor vehicles, motorcycles, mini-bikes, caravans, trailers or aircraft or accessories, or spare parts of any of these items

• watercraft more than four metres long

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

The most we will pay for this option is the amount you nominate, as listed on your schedule under ‘Other valuables’.

There are also set maximum amounts that we will pay when you make a claim.

–  –  –

This option is:

• not available for offce and surgery equipment

• only available for contents policies.

No excesses apply to this option.

Special valuables With this option you can nominate an individual amount we will pay for accidental loss or damage to any one item, pair,

set, collection or system of valuables:

• anywhere in Australia and New Zealand, and

• anywhere in the world for up to 90 consecutive days from the time you leave Australia.

The most we will pay for this option is the individual amount you nominate, as listed on your schedule under ‘Special valuables’.

This option is:

• not available for offce and surgery equipment

• only available for contents policies.

No excesses apply to this option.

For a list of valuable items we cover, and a list of items we do not include as valuables, see other valuables, page 31  Strata Title Mortgagee Protection With this option we will cover the amount you must pay to settle your mortgage following loss or damage to buildings that you own under a strata title or similar plan.

If you choose this option the individual amount you nominate and any excesses that apply will be listed on your schedule under ‘Strata Title Mortgagee Protection’.

We will pay up to the amount you owe on your mortgage, but no more than the sum insured, as listed on your schedule.

We will pay this amount to your mortgagee when you are

required to pay your mortgagee in full, however:

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

We will only pay this when the body corporate:

• has not insured the buildings, or

• has not insured the buildings for loss or damage you can claim for under this policy.

This option is available:

• for contents policies, or

• as a stand alone policy.

An excess may apply to this option.

Exclusions To Your Cover Any cover we provide is subject to the following exclusions.

Listed events cover, additional cover and Strata Title Mortgagee Protection exclusions We will not cover any loss or damage as a result of,

or caused by:

• settling, shrinkage or any movement of earth

• erosion, rust, corrosion, gradual deterioration, depreciation, wear or tear

• rats, mice or insects

• roots from trees, plants, shrubs or grass

• any process of cleaning involving the use of chemicals other than domestic household chemicals

• a defect in an item, structural defects, or faulty workmanship or design

• breakage of mirrors, glassware, crystal, crockery or china while they are being used, cleaned or carried by hand

• malicious damage or vandalism by a tenant

• deliberate or intentional acts by a tenant

• theft by a tenant

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

• mechanical or electrical breakdown other than an

electric motor burning out, unless:

– the breakdown results in loss or damage to your buildings or contents.

• landslide or subsidence, unless:

– we agree to cover the incident as described under ‘Landslide or subsidence’.

• 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.

Other valuables and special valuables cover exclusions We will not cover any loss or damage as a result

of, or caused by:

• rust, corrosion, gradual deterioration, depreciation, wear or tear



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