(c) not connected - page 22/23 (c) not connected - page 22/23 · 2017. 3. 22. · downpipe drainage...

Product Cover:Product Cover: Home & Contents (including Prestige)

Effective date of the comparisons: 22 03 2017

Home Insurance

COLPDS95002-SPDS0916_0616

Home Insurance Plus

COLPDS95005-SPDS0916_0616

Home and Contents Insurance - Classic

Defined Events

12318_1115

Home and Contents Insurance - Classic

Optional Accidental Damage

12318_1115

Type of Cover

Accidental Damage Optional, extension to DefinedEvents for Contents only - page52/53

Yes - page 22/23/64 Optional, available under Classic,Classic Extras and Platinum,separate comparisons available -page 58

Yes, optional extension to DefinedEvents cover - page 20/58

Defined Events Yes - page 22 No - page 1-83/SPDS1/SPDS2 page1-3

Yes - page 20 Yes - page 20

Basis of Cover

Accidental Breakage of Glass or SanitaryFittings

Yes, excludes a tiled shower base,excludes any part of a ceramic orglass cooking surface of any kindoven doors or heaters - page 22/23

Yes, excludes a tiled shower base,excludes any part of a ceramic orglass cooking surface of any kindoven doors or heaters - page 28/29

Yes, includes (a) skylights (b) fixedlight fittings (c) tinted glass if fitted(d) glass forming part of a fixedcooking or heating appliance orcook top or cooking surface,excludes replacement of entireappliance cook top or cookingsurface (e) frames of any windowdoor or shower screen but only ifnecessary to enable the glass to bereplaced - page 24

Yes - page 24/58

Burglary, Theft or Housebreaking Yes, theft or attempted theft,excludes theft or attempted if thesecurity devices or mechanismsthat the Insured declared are not(a) installed (b) in working order or

Yes, theft or attempted theft,excludes theft or attempted if thesecurity devices or mechanismsthat the Insured declared are not(a) installed (b) in working order or

Yes, loss or damage caused bythieves or burglars - page 23

Yes - page 23/58

http://www.policycomparison.com/

(c) not connected - page 22/23 (c) not connected - page 22/23

Earthquake Limited to loss or damage thatoccurs less than 72 hours after theinitial earthquake - page 24/25

Limited to loss or damage thatoccurs less than 72 hours after theinitial earthquake - page 24/25

Limited to loss or damage thatoccurs within 72 hours after theearthquake, additional excessapplies - page 23/85

Limited to loss or damage thatoccurs within 72 hours after theearthquake, additional excessapplies - page 23/85

Electrical Motor Burnout Optional, Limit $2,000, Limited tomotors up to 10 years old fromdate of manufacture, excludes (a)electric motors used for businesstrade or professional purposes (b)motors under any form ofguarantee or warranty (c) the costof any part such as a bearing filteror dryer which does not form partof an electric motor (d) fusesswitches electrical contacts orprotective devices and (e) theremoval or re-installation ofsubmerged or underground motors- page 38/52/53

Limit $2,500, Limited to motors upto 10 years old from date ofmanufacture, excludes (a) electricmotors used for business trade orprofessional purposes (b) motorsunder any form of guarantee orwarranty (c) the cost of any partsuch as a bearing filter or dryerwhich does not form part of anelectric motor (d) fuses switcheselectrical contacts or protectivedevices and (e) the removal or re-installation of submerged orunderground motors - page40/41/56/57

Optional, limited to motors lessthan 11 years old, excludes (a) theextracting or reinstalling ofsubmersible pump and (b) motorsforming part of equipment used inconjunction with trade businessactivity or occupation - page 60

Optional, limited to motors lessthan 11 years old, excludes (a) theextracting or reinstalling ofsubmersible pump and (b) motorsforming part of equipment used inconjunction with trade businessactivity or occupation - page 60

Escape of Liquid Limited to the sudden andunexpected escape of liquid from(a) a domestic appliance (b) anaquarium holding more than 60litres of water (c) fixed heating orcooling systems (d) basins sinkstoilets baths or spa baths (e)drainage or sewerage systems or (f)taps fixed pipes water mainsgutters guttering water tanks orfixed tanks, excludes escape ofwater from watering systems orhoses a storm water pipe off thesite stormwater channel or canal oran inadequate drainage orsewerage system, excludes loss ordamage caused to retaining walls -page 26/27

Limited to the sudden andunexpected escape of liquid from(a) a domestic appliance (b) anaquarium holding more than 60litres of water (c) fixed heating orcooling systems (d) basins sinkstoilets baths or spa baths (e)drainage or sewerage systems or (f)taps fixed pipes water mainsgutters guttering water tanks orfixed tanks, excludes escape ofwater from watering systems orhoses a storm water pipe off thesite stormwater channel or canal oran inadequate drainage orsewerage system, excludes loss ordamage caused to retaining walls -page 26/27

Limited to loss or damage causedby liquid leaking overflowing orbursting from any (a) refrigeratorfreezer dishwasher and washingmachine (b) drain fixed pipe roofgutter or guttering and rainwaterdownpipe drainage and sewagesystem (c) fixed tank (d) swimmingpool or spa (e) waterbed (f) bathsink toilet and basin (g) fixedheating or cooling system (h) watermain fire hydrant or water supplypipe (i) aquarium - page 26

Limited to loss or damage causedby liquid leaking overflowing orbursting from any (a) refrigeratorfreezer dishwasher and washingmachine (b) drain fixed pipe roofgutter or guttering and rainwaterdownpipe drainage and sewagesystem (c) fixed tank (d) swimmingpool or spa (e) waterbed (f) bathsink toilet and basin (g) fixedheating or cooling system (h) watermain fire hydrant or water supplypipe (i) aquarium - page 26/59

Explosion Yes, excludes loss or damage (a) tothe item that exploded (b) causedby any flammable substance kept ator brought onto the Building or site

Yes, excludes loss or damage (a) tothe item that exploded (b) causedby any flammable substance kept ator brought onto the Building or site

Yes, excludes the cost of repairingor replacing the tank or containerthat exploded, excludes damagecaused by nuclear or biological

Yes, excludes the cost of repairingor replacing the tank or containerthat exploded, excludes damagecaused by nuclear or biological

if it is in breach of statutoryregulations - page 24/25

if it is in breach of statutoryregulations - page 24/25

bombs - page 29 bombs - page 29

Fire Yes, excludes bushfire or grassfireoccurring within 48 hours of thestart date of the policy unless (a)Insured first took occupation of theBuilding no more than 24 hoursbefore the start of the policy or (b)the policy replaced another policycovering the same Building and nobreak in cover in which case theliability is limited to the lower SIunder the 2 policies - page22/23/58

Yes, excludes bushfire or grassfireoccurring within 48 hours of thestart date of the policy unless (a)Insured first took occupation of theBuilding no more than 24 hoursbefore the start of the policy or (b)the policy replaced another policycovering the same Building and nobreak in cover in which case theliability is limited to the lower SIunder the 2 policies - page22/23/64

Yes, excludes (a) heat ash soot andsmoke damage caused by a burningbuilding within 10m of Insured'sBuilding (b) arcing scorching orcigarette burns caused by a firespreading from the initial burn spot(c) pollution or vapour from homeheater or cooking appliance causedby a fire spreading from the initialsource, excludes cover for bushfirefor the first 72 hours of the policyunless Insured has just bought theBuilding or another policy coveringthe Building or Contents expiredbut only up to the SI under theexpiring policy - page 23/74

Yes, excludes (a) heat ash soot andsmoke damage caused by a burningbuilding within 10m of Insured'sBuilding (b) arcing scorching orcigarette burns caused by a firespreading from the initial burn spot(c) pollution or vapour from homeheater or cooking appliance causedby a fire spreading from the initialsource, excludes cover for bushfirefor the first 72 hours of the policyunless Insured has just bought theBuilding or another policy coveringthe Building or Contents expiredbut only up to the SI under theexpiring policy - page 23/74

Flash Flood Yes, Flood, excludes flood occurringwithin 48 hours of the start date ofthe policy unless (a) Insured firsttook occupation of the Building nomore than 24 hours before thestart of the policy or (b) the policyreplaced another policy coveringthe same Building and no break incover in which case the liability islimited to the lower SI under the 2policies, excludes loss or damagecaused by water entering theBuilding through an opening thatwas not created by the flood,further exclusions apply - Seepolicy wording for full details ofcover terms conditions andexclusions as too detailed toinclude in this summary - page24/25/58

Yes, Flood, excludes flood occurringwithin 48 hours of the start date ofthe policy unless (a) Insured firsttook occupation of the Building nomore than 24 hours before thestart of the policy or (b) the policyreplaced another policy coveringthe same Building and no break incover in which case the liability islimited to the lower SI under the 2policies, excludes loss or damagecaused by water entering theBuilding through an opening thatwas not created by the flood,further exclusions apply - Seepolicy wording for full details ofcover terms conditions andexclusions as too detailed toinclude in this summary - page24/25/64

Yes, Flood, excludes (a) cover forthe first 72 hours of the policyunless insured has just bought theBuilding or another policy coveringthe Building or Contents expiredbut only up to the SI under theexpiring policy (b) loss or damage toretaining walls sea walls gardenborders free standing outdoor wallssporting surface or courts boatjetties pontoons mooring poles andtheir attachments and accessoriesincluding if washed away by theflood swimming pools orunderground tanks caused bywater leaking down the sidesagainst the sides or underneaththem (c) the cost of cleaning mudor debris out of tanks swimmingpools or spas including replacing orstoring the water - page 20/21/74

Yes, Flood, excludes (a) cover forthe first 72 hours of the policyunless insured has just bought theBuilding or another policy coveringthe Building or Contents expiredbut only up to the SI under theexpiring policy (b) loss or damage toretaining walls sea walls gardenborders free standing outdoor wallssporting surface or courts boatjetties pontoons mooring poles andtheir attachments and accessoriesincluding if washed away by theflood swimming pools orunderground tanks caused bywater leaking down the sidesagainst the sides or underneaththem (c) the cost of cleaning mudor debris out of tanks swimmingpools or spas including replacing orstoring the water - page 20/21/74

Flood Yes, excludes flood occurring within48 hours of the start date of thepolicy unless (a) Insured first tookoccupation of the Building no more

Yes, excludes flood occurring within48 hours of the start date of thepolicy unless (a) Insured first tookoccupation of the Building no more

Yes, excludes (a) cover for the first72 hours of the policy unlessinsured has just bought theBuilding or another policy covering

Yes, excludes (a) cover for the first72 hours of the policy unlessinsured has just bought theBuilding or another policy covering

than 24 hours before the start ofthe policy or (b) the policy replacedanother policy covering the sameBuilding and no break in cover inwhich case the liability is limited tothe lower SI under the 2 policies,excludes loss or damage caused bywater entering the Building throughan opening that was not created bythe flood, further exclusions apply -See policy wording for full details ofcover terms conditions andexclusions as too detailed toinclude in this summary - page24/25/58

than 24 hours before the start ofthe policy or (b) the policy replacedanother policy covering the sameBuilding and no break in cover inwhich case the liability is limited tothe lower SI under the 2 policies,excludes loss or damage caused bywater entering the Building throughan opening that was not created bythe flood, further exclusions apply -See policy wording for full details ofcover terms conditions andexclusions as too detailed toinclude in this summary - page24/25/64

the Building or Contents expiredbut only up to the SI under theexpiring policy (b) loss or damage toretaining walls sea walls gardenborders free standing outdoor wallssporting surface or courts boatjetties pontoons mooring poles andtheir attachments and accessoriesincluding if washed away by theflood swimming pools orunderground tanks caused bywater leaking down the sidesagainst the sides or underneaththem (c) the cost of cleaning mudor debris out of tanks swimmingpools or spas including replacing orstoring the water - page 20/21/74

the Building or Contents expiredbut only up to the SI under theexpiring policy (b) loss or damage toretaining walls sea walls gardenborders free standing outdoor wallssporting surface or courts boatjetties pontoons mooring poles andtheir attachments and accessoriesincluding if washed away by theflood swimming pools orunderground tanks caused bywater leaking down the sidesagainst the sides or underneaththem (c) the cost of cleaning mudor debris out of tanks swimmingpools or spas including replacing orstoring the water - page 20/21/74

Impact Limited to loss or damage causedby the impact of (a) falling tree orbranch (b) an external flagpole mastaerial or satellite dish which breaksand collapses (c) an aircraftwatercraft motor vehicle orattached trailer (d) debris fromspace an aircraft rocket or satelliteor (e) falling towers power orcommunication lines or poles,excludes (a) removing anypotentially dangerous trees whichhave not caused damage toInsured's Building (b) removal oftree stump from the ground - page24/25

Limited to loss or damage causedby the impact of (a) falling tree orbranch (b) an external flagpole mastaerial or satellite dish which breaksand collapses (c) an aircraftwatercraft motor vehicle orattached trailer (d) debris fromspace an aircraft rocket or satelliteor (e) falling towers power orcommunication lines or poles,excludes (a) removing anypotentially dangerous trees whichhave not caused damage toInsured's Building (b) removal oftree stump from the ground - page26/27

Limited to loss or damage causedby the impact of (a) falling tree orpart of a falling tree including theroots (b) power poles (c) TVantennas or satellite dishescommunication aerials or masts (d)watercraft aircraft motor vehicles ortrailers (e) an object falling from amotor vehicle or aircraft (f) spacedebris or meteorites - page 28

Limited to loss or damage causedby the impact of (a) falling tree orpart of a falling tree including theroots (b) power poles (c) TVantennas or satellite dishescommunication aerials or masts (d)watercraft aircraft motor vehicles ortrailers (e) an object falling from amotor vehicle or aircraft (f) spacedebris or meteorites - page 28

Lightning Yes, includes thunderbolt - page 26 Yes, includes thunderbolt - page 24 Yes - page 22 Yes - page 22

Malicious Damage Yes, includes vandalism, excludesvandalism or malicious acts if thesecurity devices or mechanismsthat the Insured declared are not(a) installed (b) in working order or(c) not connected - page 26/27

Yes, includes vandalism, excludesvandalism or malicious acts if thesecurity devices or mechanismsthat the Insured declared are not(a) installed (b) in working order or(c) not connected - page 28/29

Yes, includes vandalism - page 29 Yes, includes vandalism - page 29

Power Surge No - page 58 No - page 64 Limited to power surge caused bylightning - page 22

Limited to power surge caused bylightning - page 22

Rainwater Yes, Storm, excludes stormrainwater or named cycloneoccurring within 48 hours of thestart date of the policy unless (a)Insured first took occupation of theBuilding no more than 24 hoursbefore the start of the policy or (b)the policy replaced another policycovering the same Building and nobreak in cover in which case theliability is limited to the lower SIunder the 2 policies, excludes lossor damage caused by waterentering the Building through anopening that was not created bythe storm, further exclusions apply- See policy wording for full detailsof cover terms conditions andexclusions as too detailed toinclude in this summary - page24/25/58

Yes, Storm, excludes stormrainwater or named cycloneoccurring within 48 hours of thestart date of the policy unless (a)Insured first took occupation of theBuilding no more than 24 hoursbefore the start of the policy or (b)the policy replaced another policycovering the same Building and nobreak in cover in which case theliability is limited to the lower SIunder the 2 policies, excludes lossor damage caused by waterentering the Building through anopening that was not created bythe storm, further exclusions apply- See policy wording for full detailsof cover terms conditions andexclusions as too detailed toinclude in this summary - page24/25/64

Yes, Storm and Flood, excludes (a)cover for the first 72 hours of thepolicy unless insured has justbought the Building or anotherpolicy covering the Building orContents expired but only up tothe SI under the expiring policy (b)loss or damage to retaining wallsgarden borders free standing wallstennis courts wharves jettiespontoons sea walls and swimmingpools or spas or their liners or theirparts or underground tanks causedby water leaking down the sidesagainst the sides or underneaththem (c) the cost of cleaning mudor debris out of tanks swimmingpools or spas - page 22/74/100

Yes, Storm, excludes (a) cover forthe first 72 hours of the policyunless insured has just bought theBuilding or another policy coveringthe Building or Contents expiredbut only up to the SI under theexpiring policy (b) loss or damage toretaining walls garden borders freestanding walls tennis courtswharves jetties pontoons sea wallsand swimming pools or spas ortheir liners or their parts orunderground tanks caused bywater leaking down the sidesagainst the sides or underneaththem (c) the cost of cleaning mudor debris out of tanks swimmingpools or spas - page 22/74/100

Riot or Civil Commotion Yes, includes industrial unrest,excludes loss or damage (a) arisingafter 72 hours from thecommencement of any riot civilcommotion or industrial unrest (b)caused by Insured or someonewho lives at the site with Insured'sconsent or (c) entered the site withInsured's consent or that of aperson who lives at the site - page26/27

Yes, includes industrial unrest,excludes loss or damage (a) arisingafter 72 hours from thecommencement of any riot civilcommotion or industrial unrest (b)caused by Insured or someonewho lives at the site with Insured'sconsent or (c) entered the site withInsured's consent or that of aperson who lives at the site - page28/29

Yes, includes public disturbance,excludes loss or damage by (a)Insured or someone who lives atthe Building (b) someone whoentered the Building with Insured'sconsent or with the consent ofsomeone with Insured's authorityto access the Building - page 29

Yes, includes public disturbance,excludes loss or damage by (a)Insured or someone who lives atthe Building (b) someone whoentered the Building with Insured'sconsent or with the consent ofsomeone with Insured's authorityto access the Building - page 29

Storm Yes, excludes storm rainwater ornamed cyclone occurring within 48hours of the start date of the policyunless (a) Insured first tookoccupation of the Building no morethan 24 hours before the start ofthe policy or (b) the policy replaced

Yes, excludes storm rainwater ornamed cyclone occurring within 48hours of the start date of the policyunless (a) Insured first tookoccupation of the Building no morethan 24 hours before the start ofthe policy or (b) the policy replaced

Yes, excludes (a) cover for the first72 hours of the policy unlessinsured has just bought theBuilding or another policy coveringthe Building or Contents expiredbut only up to the SI under theexpiring policy (b) loss or damage to

Yes, excludes (a) cover for the first72 hours of the policy unlessinsured has just bought theBuilding or another policy coveringthe Building or Contents expiredbut only up to the SI under theexpiring policy (b) loss or damage to

another policy covering the sameBuilding and no break in cover inwhich case the liability is limited tothe lower SI under the 2 policies,excludes loss or damage caused bywater entering the Building throughan opening that was not created bythe storm, further exclusions apply- See policy wording for full detailsof cover terms conditions andexclusions as too detailed toinclude in this summary - page24/25/58

another policy covering the sameBuilding and no break in cover inwhich case the liability is limited tothe lower SI under the 2 policies,excludes loss or damage caused bywater entering the Building throughan opening that was not created bythe storm, further exclusions apply- See policy wording for full detailsof cover terms conditions andexclusions as too detailed toinclude in this summary - page24/25/64

retaining walls garden borders freestanding walls tennis courtswharves jetties pontoons sea wallsand swimming pools or spas ortheir liners or their parts orunderground tanks caused bywater leaking down the sidesagainst the sides or underneaththem (c) the cost of cleaning mudor debris out of tanks swimmingpools or spas - page 22/74

retaining walls garden borders freestanding walls tennis courtswharves jetties pontoons sea wallsand swimming pools or spas ortheir liners or their parts orunderground tanks caused bywater leaking down the sidesagainst the sides or underneaththem (c) the cost of cleaning mudor debris out of tanks swimmingpools or spas - page 22/74

Storm Surge No - page 25/58 No - page 25/64 Limited to damage that occurs atthe same time as other insureddamage caused by storm, means arush of water onshore associatedwith a low pressure system andcaused by strong winds pushing onthe ocean's surface - page22/78/100

Limited to damage that occurs atthe same time as other insureddamage caused by storm, means arush of water onshore associatedwith a low pressure system andcaused by strong winds pushing onthe ocean's surface - page22/78/100

Tsunami No - page 24/25/58 No - page 24/25/64 Limited to loss or damage thatoccurs within 72 hours after atsunami, additional excess applies -page 23/74/85

Limited to loss or damage thatoccurs within 72 hours after atsunami, additional excess applies -page 23/74/85

Wind Yes, Storm, excludes stormrainwater or named cycloneoccurring within 48 hours of thestart date of the policy unless (a)Insured first took occupation of theBuilding no more than 24 hoursbefore the start of the policy or (b)the policy replaced another policycovering the same Building and nobreak in cover in which case theliability is limited to the lower SIunder the 2 policies, excludes lossor damage caused by waterentering the Building through anopening that was not created bythe storm, further exclusions apply- See policy wording for full detailsof cover terms conditions and

Yes, Storm, excludes stormrainwater or named cycloneoccurring within 48 hours of thestart date of the policy unless (a)Insured first took occupation of theBuilding no more than 24 hoursbefore the start of the policy or (b)the policy replaced another policycovering the same Building and nobreak in cover in which case theliability is limited to the lower SIunder the 2 policies, excludes lossor damage caused by waterentering the Building through anopening that was not created bythe storm, further exclusions apply- See policy wording for full detailsof cover terms conditions and



exclusions as too detailed toinclude in this summary - page24/25/58

exclusions as too detailed toinclude in this summary - page24/25/64

Related Benefits

Additional Costs of TemporaryAccommodation - Insured Events

Limited to the lesser of 12 monthsor 10% of Building SI providedInsured had been living in theBuilding on a permanent basis,benefit additional to Building SI,Limit $500 for temporaryaccommodation for domestic petsin a commercial boardingestablishment - page 34/35/36/37

Limited to the lesser of 12 monthsor 10% of Building SI providedInsured had been living in theBuilding on a permanent basis,benefit additional to Building SI,Limit $1,000 for temporaryaccommodation for domestic petsin a commercial boardingestablishment - page 36/37/38/39

(a) Limit 10% of Building SI,maximum 12 months made up of 4weeks short term accommodationand if necessary additional limit 48weeks in residentialaccommodation, includestemporary accommodation fordomestic pets in a commercialboarding establishment for thesame period or (b) Limit 10% ofContents SI, maximum 12 monthsfor reasonable temporaryaccommodation for the Insuredand Insured's pets that arenormally kept at the Building ifInsured owns and lives in a unit orif Insured is a tenant, both coversinclude (i) redirection of mail up to12 months (ii) utility connectioncosts at temporary accommodationresidence (iii) relocation ofContents to and from temporaryaccommodation if Contents insuredand (iv) assistance with bondpayment if required but will berecoverable by Insurer, benefitsadditional to SI - page 32/33/34

(a) Limit 10% of Building SI,maximum 12 months made up of 4weeks short term accommodationand if necessary additional limit 48weeks in residentialaccommodation, includestemporary accommodation fordomestic pets in a commercialboarding establishment for thesame period or (b) Limit 10% ofContents SI, maximum 12 monthsfor reasonable temporaryaccommodation for the Insuredand Insured's pets that arenormally kept at the Building ifInsured owns and lives in a unit orif Insured is a tenant, both coversinclude (i) redirection of mail up to12 months (ii) utility connectioncosts at temporary accommodationresidence (iii) relocation ofContents to and from temporaryaccommodation if Contents insuredand (iv) assistance with bondpayment if required but will berecoverable by Insurer, benefitsadditional to SI - page 32/33/34

Aggravated Theft/Robbery Away FromHome

No - page 1-75/SPDS1/SPDS2 page1-3


No - page 1-102/SPDS1/SPDS2 No - page 1-102/SPDS1/SPDS2

Automatic Reinstatement of SI afterPartial Loss

Yes - page 70 Yes - page 76 Limited to Contents andUnspecified Personal Valuables -page 95

Limited to Contents andUnspecified Personal Valuables -page 95

Building Materials awaiting Installation No - page 41 No - page 47 Limit $500 for unfixed buildingfixtures fittings and materialsprovided they are kept in a locked

Limit $500 for unfixed buildingfixtures fittings and materialsprovided they are kept in a locked

and secured Building, benefitpayable under Building policy - page15

and secured Building, benefitpayable under Building policy - page15

Building Modifications Following SeriousInjury

Limit $5,000 if Insured becomespermanently and physically disabledfollowing a serious injury as a directresult of loss or damage to theBuilding by an insured event andmodifications are necessary soInsured can continue to live there -page 34/35

Limit $10,000 if Insured becomespermanently and physically disabledfollowing a serious injury as a directresult of loss or damage to theBuilding by an insured event andmodifications are necessary soInsured can continue to live there -page 36/37

Limit $5,000 if injured as a directresult of an insured event andinjury results in permanentparaplegia or quadriplegia, benefitadditional to SI - page 41

Limit $5,000 if injured as a directresult of an insured event andinjury results in permanentparaplegia or quadriplegia, benefitadditional to SI - page 41

Business Equipment - Office/SurgeryOnly

Limit $1,000 per item up to $5,000in total for tools instruments andequipment used for Insured'sbusiness or occupation - page 40

Limit $2,500 per item up to$10,000 in total for toolsinstruments and equipment usedfor Insured's business oroccupation - page 46

Limit $10,000 in total for homeoffice equipment - page 17

Limit $10,000 in total for homeoffice equipment - page 17

Business Equipment - Stock No, excludes stock in trade asContents - page 41

No, excludes stock in trade asContents - page 47

No, excludes stock or samplesrelated to any business activities -page 16

No, excludes stock or samplesrelated to any business activities -page 16

Business Equipment - Tools of TradeOther than in Office/Surgery

Limit $1,000 per item up to $5,000in total for tools instruments andequipment used for Insured'sbusiness or occupation - page 40

Limit $2,500 per item up to$10,000 in total for toolsinstruments and equipment usedfor Insured's business oroccupation - page 46

Limit $1,000 - page 17 Limit $1,000 - page 17

Catastrophe Cover - Cover WhenCatastrophe or Emergency Declared




Changing Permanent Risk Address WithinAustralia - Automatic Cover

Limited to 14 days at bothaddresses provided (a) Insurer isadvised and agrees prior toContents being moved and (b)Insured agrees to pay anyadditional premium due - page46/47

Limited to 14 days at bothaddresses provided (a) Insurer isadvised and agrees prior toContents being moved and (b)Insured agrees to pay anyadditional premium due - page52/53

Limited to 14 days at bothaddresses - page 12

Limited to 14 days at bothaddresses - page 12

Claims Preparation Fees Incurred WithInsurer's Consent




Contents in a Bank Vault/Safe Deposit Not stated - page 1-75/SPDS1/SPDS2 page 1-3

Not stated - page 1-83/SPDS1/SPDS2 page 1-3

Limited to cover provided underTemporary Removal - page 45

Limited to cover provided underTemporary Removal - page 45

Contents in Commercial Storage inAustralia, Insurers Consent Obtained



Yes, up to Contents SI, storagefacility must (a) be lockable (b) onlybe accessed by the Insured orsomeone with their consent and (c)be fully enclosed by walls door floorand roof, excludes (a) cash smartcards phone cards documents ableto be cashed or traded vouchersmoney orders or stamps (not in aset or collection) (b) theft whenthere is no forced entry into thestorage facility (c) Contents storedoutside Australia (d) Contents notstored in a commercially operatedfacility (e) food of any kind and (f)damage that is not covered by aninsured event - page 46-47

Yes, up to Contents SI, storagefacility must (a) be lockable (b) onlybe accessed by the Insured orsomeone with their consent and (c)be fully enclosed by walls door floorand roof, excludes (a) cash smartcards phone cards documents ableto be cashed or traded vouchersmoney orders or stamps (not in aset or collection) (b) theft whenthere is no forced entry into thestorage facility (c) Contents storedoutside Australia (d) Contents notstored in a commercially operatedfacility (e) food of any kind and (f)damage that is not covered by aninsured event - page 46-47

Contents in Open Air at Risk Address Limit 10% of Contents SI forContents in the open air, Limit$1,000 for Contents stolen from anunlocked storage room garage orshed, excludes (a) theft from acommon area or an area owned byInsured which others have accessincluding from a locked or unlockedvehicle parked in a common area oran area owned by Insured whichothers have access (b)photographic equipment mobilephones pages computers and theiraccessories (c) cash or negotiableinstruments travel or other ticketscoupons or gift vouchers or (d)tools instruments and equipmentused for Insured's business oroccupation - page 42/48/49

Yes, excludes loss or damagecaused by any animal or birdpecking biting chewing clawingtearing or soiling any Contents inthe open air - page 27/46

Yes, Contents covered at theinsured address which includes anyarea not able to be enclosed on allsides and secured in such a way asto prevent access except by violentforce - page 13/99

Yes, Contents covered at theinsured address which includes anyarea not able to be enclosed on allsides and secured in such a way asto prevent access except by violentforce - page 13/99

Contents on Common Property No - page 1-75/SPDS1/SPDS2 page1-3


No - page 46 No - page 46

Contracting Purchaser No - page 1-75/SPDS1/SPDS2 page1-3



Credit or Financial Card - UnauthorisedUse

Limit $1,000 - page 48/49 Limit $5,000 - page 56/57 Limit $1,500 any one period ofinsurance if stolen from theBuilding, nil excess applies - page54

Limit $1,500 any one period ofinsurance if stolen from theBuilding, nil excess applies - page54

Data Restoration Costs No - page 1-75/SPDS1/SPDS2 page1-3


Yes, provided the device they arestored on is lost or damaged by aninsured event and the electronicdata or files were legally purchasedand Insured cannot restore themfree of charge - page 77

Yes, provided the device they arestored on is lost or damaged by aninsured event and the electronicdata or files were legally purchasedand Insured cannot restore themfree of charge - page 77

Death and/or Disablement Benefit No - page 1-75/SPDS1/SPDS2 page1-3


Limit $5,000 if Insured suffers afatal injury as a direct result of aninsured event and death occurswithin 12 months of the insuredevent, benefit additional to SI -page 42

Limit $5,000 if Insured suffers afatal injury as a direct result of aninsured event and death occurswithin 12 months of the insuredevent, benefit additional to SI -page 42

Demolition, Removal of Debris Limit 10% of Building or ContentsSI (as applicable), excludes theremoval of any tree stump or theremoval of fallen branches or treesif the Building has not beendamaged, benefit additional to SI -page 34/35/48/49

Limit 20% of Building or ContentsSI (as applicable), excludes theremoval of any tree stump or theremoval of fallen branches or treesif the Building has not beendamaged, benefit additional to SI -page 36/37/54/55

Limit 10% of SI, benefit additionalto SI - page 35

Limit 10% of SI, benefit additionalto SI - page 35

Documents in a Bank Vault No - page 1-75/SPDS1/SPDS2 page1-3



Emergency Services/Authorities Damage No - page 1-75/SPDS1/SPDS2 page1-3



Emergency Storage of ContentsFollowing an Insured Event


Limited to 12 months or whenInsured's Building becomes

Limit 10% of Contents SI, includescover for loss or damage to the

Limit 10% of Contents SI, includescover for loss or damage to the

habitable whichever is the earliest,includes removal, excludes (a)money or negotiable documents ofany kind (b) jewellery watches anditems containing gold or silver (c)loss or damage to Contents instorage after Contents policy at theinsured address ceases (d)Contents not stored in acommercially operated facility -page 56/57

Contents whilst in storage causedby an insured event up to thegeneral Contents SI, benefitadditional to SI - page 36

Contents whilst in storage causedby an insured event up to thegeneral Contents SI, benefitadditional to SI - page 36

Employee's Contents No - page 1-75/SPDS1/SPDS2 page1-3



Environmental Upgrade No - page 1-75/SPDS1/SPDS2 page1-3


(a) Limit $2,500 of Insured's netcosts in purchasing and installingthe approved environmentalimprovement such as a rainwatertank solar system or compostequipment when (i) Insurer hasaccepted a claim for an insuredevent that caused loss or damageworth more than 80% of Building SI(ii) the Building does not alreadyhave the relevant environmentalequipment (iii) Insurer areauthorising or arranging the repairsto the Building and (iv) Insured hassought Insurers agreement prior topurchasing or installing the relevantenvironmental equipment, benefitadditional to SI (b) Policy includesreplacing refrigerators freezersdishwashers air conditionerswashing machines and dryers witha minimum 3 star energy rating ifavailable and it can be a differentbrand - page 38/88

(a) Limit $2,500 of Insured's netcosts in purchasing and installingthe approved environmentalimprovement such as a rainwatertank solar system or compostequipment when (i) Insurer hasaccepted a claim for an insuredevent that caused loss or damageworth more than 80% of Building SI(ii) the Building does not alreadyhave the relevant environmentalequipment (iii) Insurer areauthorising or arranging the repairsto the Building and (iv) Insured hassought Insurers agreement prior topurchasing or installing the relevantenvironmental equipment, benefitadditional to SI (b) Policy includesreplacing refrigerators freezersdishwashers air conditionerswashing machines and dryers witha minimum 3 star energy rating ifavailable and it can be a differentbrand - page 38/88

Excess Waiver for Total Losses No - page 1-75/SPDS1/SPDS2 page1-3



Exploratory Costs Yes, provided it has causedpermanent damage and the Insureragrees to the costs beforehand -page 27

Yes, provided it has causedpermanent damage and the Insureragrees to the costs beforehand -page 27

Yes, no limit where leak is coveredunder Escape of Liquid, limit $1,500to locate source of liquid escapingor overflowing and repair andrestore damage caused when leakis not covered under defined eventEscape of Liquid, nil excess applies- page 26/50

Yes, no limit where leak is coveredunder Escape of Liquid, limit $1,500to locate source of liquid escapingor overflowing and repair andrestore damage caused when leakis not covered under defined eventEscape of Liquid, nil excess applies- page 26/50

Extra Costs of Rebuilding i.e. Statutoryor Government Charges

Limit 10% of Building SI, benefitadditional to SI - page 36/37


Combined limit 10% of Building SIfor (a) temporary work required tomake the damaged or destroyedBuilding safe (b) for services ofprofessionals to repair or rebuildBuilding (c ) to make damaged partsof the Building comply with buildingregulations and laws, benefitadditional to SI - page 31


Fire Fighting and Services Charges No - page 1-75/SPDS1/SPDS2 page1-3



Forced Evacuation due to Government,Law




Funeral Expenses Limit $5,000 if death occurred as aresult of an incident the Insurerhas agreed to cover - page 46/47

Limit $10,000 if death occurred asa result of an incident the Insurerhas agreed to cover - page 52/53


Identity Fraud/Theft No - page 1-75/SPDS1/SPDS2 page1-3


Limit $1,000 any one period ofinsurance for costs incurred toInsured to re-establish personalcredit history following identity theftincluding (a) unpaid wages for anytime taken off work (b) extra loanapplication fees (c) telephone faxand postage costs (d) travel costs(e) legal fees Insurer agreed inwriting - page 52-53

Limit $1,000 any one period ofinsurance for costs incurred toInsured to re-establish personalcredit history following identity theftincluding (a) unpaid wages for anytime taken off work (b) extra loanapplication fees (c) telephone faxand postage costs (d) travel costs(e) legal fees Insurer agreed inwriting - page 52-53

Inflation Adjustment Yes, Building and Contents SI Yes, Building and Contents SI Yes, SI increased at renewal, Yes, SI increased at renewal,

automatically adjusted on renewalto account for inflationary trends,excludes Specified Items and CoverOutside the Building - page 65

automatically adjusted on renewalto account for inflationary trends,excludes Specified Items and CoverOutside the Building - page 71

excludes specified Contents and/orPersonal Valuables - page 9

excludes specified Contents and/orPersonal Valuables - page 9

Landlord Fixtures and Fittings (Insuredbeing the Landlord)




Landscaping Trees Shrubs Plants Limited to the lesser of $2,000 orthe actual costs to replace treesplants lawns shrubs and hedgesplanted in the ground if they havebeen completely lost or completelydestroyed as a result of an insuredevent, excludes loss or damagecaused by flood storm or escape ofliquid, Building SI has a sub-limit of$10,000 for paved paths and paveddriveways and $1,000 for artificiallawns - page 30/31/36/37

Limited to the lesser of $2,000 orthe actual costs to replace treesplants lawns shrubs and hedgesplanted in the ground if they havebeen completely lost or completelydestroyed as a result of an insuredevent, excludes loss or damagecaused by flood storm or escape ofliquid, Building SI has a sub-limit of$10,000 for paved paths and paveddriveways and $1,000 for artificiallawns - page 32/38/39

No, Building includes gardenboarders pathways paved orconcreted floor areas drivewaysand sealed roads up to 500m andoutdoor lights, excludes loose orcompacted soil lawn artificial grassgravel pebbles rocks and granularrubber - page 14/15

No, Building includes gardenboarders pathways paved orconcreted floor areas drivewaysand sealed roads up to 500m andoutdoor lights, excludes loose orcompacted soil lawn artificial grassgravel pebbles rocks and granularrubber - page 14/15

Legal Defence Costs (Separate from LegalLiability Costs)




Loss of Rent No - page 1-75/SPDS1/SPDS2 page1-3



Mortgage Discharge Costs No - page 1-75/SPDS1/SPDS2 page1-3


Limit $1,000, benefit additional toSI - page 39

Limit $1,000, benefit additional toSI - page 39

New Building Purchase/ NewReplacement Building




Pet Veterinary Care No - page 1-75/SPDS1/SPDS2 page1-3


Optional, limit $2,000 if a pet dog orcat shown in schedule is injured inan accident, exclusions apply - page

Optional, limit $2,000 if a pet dog orcat shown in schedule is injured inan accident, exclusions apply - page

62 62

Professional Fees ie Architect, Surveyor,Engineer





Psychological Counselling (Following anInsured Event)




Repair Guarantee Yes, Insurer guarantees the qualityof materials and workmanship ofrepairs that they authorise andarrange for the lifetime of theBuilding - page 68

Yes, Insurer guarantees the qualityof materials and workmanship ofrepairs that they authorise andarrange for the lifetime of theBuilding - page 74

Yes, Insurer guarantees the qualityof materials and workmanship ofthat work for the lifetime of Buildingif Insured authorises arranges andpays the builder or repairer directlyfor this work, exclusions apply -page 93-94

Yes, Insurer guarantees the qualityof materials and workmanship ofthat work for the lifetime of Buildingif Insured authorises arranges andpays the builder or repairer directlyfor this work, exclusions apply -page 93-94

Replacement of Locks and Keys Limit $500 if keys to external doorsor windows have been stolen andclaim accepted for theft, Contentsexcludes rekeying or replacinglocks and cylinders which are theresponsibility of the body corporateif the Building is part of companyshare stratum or strata titledevelopment - page 34/35/46/47

Limit $2,500 if keys to externaldoors or windows have been stolenand claim accepted for theft,Contents excludes rekeying orreplacing locks and cylinders whichare the responsibility of the bodycorporate if the Building is part ofcompany share stratum or stratatitle development - page36/37/52/53

Limit $500 if keys are stolenanywhere in Australia or NewZealand, nil excess applies - page48

Limit $500 if keys are stolenanywhere in Australia or NewZealand, nil excess applies - page48

Security Firm Attendance - FollowingTheft/Attempted Theft




Spoilage of Freezer or Refrigerated Food Limit $500 for loss due to anunforeseeable interruption of thepublic electricity supply, nil excessapplies, Optional Motor BurnoutCover for Contents includes Limit

Limit $2,000 for loss due to anunforeseeable interruption of thepublic electricity supply, nil excessapplies, Limit $2,000 for spoiledfrozen or refrigerated food caused

Limit $500, includes refrigeratedmedicines, nil excess applies - page17/49

Limit $500, includes refrigeratedmedicines, excludes accidentaldamage arising from failure orshutdown of the electricity supplyfrom any cause or spoilage of food

$500 for spoiled refrigerated orfrozen food - page 46/47/52/53

as a result of freezer or refrigeratormotor burning out and claim is paidunder additional benefit MotorBurnout - page 52/53/56/57

resulting from this, nil excessapplies - page 17/49/59

Strata Title Mortgagee Protection No - page 1-75/SPDS1/SPDS2 page1-3


Optional, limited to lower of (a) thedifference between body corporateinsurance cover and the cost ofrepairing the damage (b) theamount to repay the mortgage or(c) the SI for the mortgagee'sinterest shown in schedule - page63

Optional, limited to lower of (a) thedifference between body corporateinsurance cover and the cost ofrepairing the damage (b) theamount to repay the mortgage or(c) the SI for the mortgagee'sinterest shown in schedule - page63

Student Contents at an Institute ofLearning



Not stated - page 1-102/SPDS1/SPDS2

Not stated - page 1-102/SPDS1/SPDS2

Taxation Audit No - page 1-75/SPDS1/SPDS2 page1-3



Temporary Removal of Contents fromRisk Address

No, Optional cover outside theBuilding available - page 54-57

Limit $2,500 per item up to 20% ofContents SI in total anywhere inAustralia up to 90 consecutive days,excludes (a) cash or negotiableinstruments travel or other ticketscoupons or gift vouchers (b) toolsinstruments and equipment usedfor Insured's business oroccupation (c) accessories andspare parts from motor vehiclesmotorcycles mini bikes caravanstrailers and watercraft (d) anyContents removed permanentlyfrom the Building - page 54/55

Limit 25% of Contents SI whentemporarily removed to anotherresidence in Australia in whichInsured is temporary residing for upto 180 consecutive days or a bankdeposit box, excludes (a) theftwithout forced entry (b) cash smartcards phone cards documents ableto be cashed or traded vouchersmoney orders or stamps not in aset or collection (c) Contents in amotorised vehicle caravan campertrailer slide-on camper mobilehome trailer or horse float and (d)Contents whilst in transit (e)damage that is not covered by aninsured event - page 45

Limit 25% of Contents SI whentemporarily removed to anotherresidence in Australia in whichInsured is temporary residing for upto 180 consecutive days or a bankdeposit box, excludes (a) theftwithout forced entry (b) cash smartcards phone cards documents ableto be cashed or traded vouchersmoney orders or stamps not in aset or collection (c) Contents in amotorised vehicle caravan campertrailer slide-on camper mobilehome trailer or horse float and (d)Contents whilst in transit (e)damage that is not covered by aninsured event - page 45

Temporary Repairs/Protection Yes, at Insurer's option they willarrange any emergency repair workrequired to make the Building safeafter an insured event - page 34/35

Yes, at Insurer's option they willarrange any emergency repair workrequired to make the Building safeafter an insured event - page 36/37

Combined limit 10% of Building SIfor (a) temporary work required tomake the damaged or destroyedBuilding safe (b) for services of

Combined limit 10% of Building SIfor (a) temporary work required tomake the damaged or destroyedBuilding safe (b) for services of

professionals to repair or rebuildBuilding (c ) to make damaged partsof the Building comply with buildingregulations and laws, benefitadditional to SI - page 31

professionals to repair or rebuildBuilding (c ) to make damaged partsof the Building comply with buildingregulations and laws, benefitadditional to SI - page 31

Transit to New Permanent Risk AddressWithin Australia

Limited to damage occurring as aresult of the vehicle being stolen orinvolved in a collision or damagedby fire - page 46/47

Limited to damage occurring as aresult of the vehicle being stolen orinvolved in a collision or damagedby fire - page 52/53

Limited to Contents SI any oneincidence, limited to damageoccurring as a result of fire floodcollision overturning accident ortheft of the vehicle carrying them,excludes cash smart cards phonecards documents able to becashed or traded vouchers moneyorders or stamps (not in a set orcollection) - page 47

Limited to Contents SI any oneincidence, limited to damageoccurring as a result of fire floodcollision overturning accident ortheft of the vehicle carrying them,excludes cash smart cards phonecards documents able to becashed or traded vouchers moneyorders or stamps (not in a set orcollection) - page 47

Visitor's Contents Limit $1,000 any one period ofinsurance - page 50/51

Limit $5,000 any one period ofinsurance - page 56/57

Limit $500 for Contents owned byinvited visitors staying less than 30consecutive days, excludes (a) cashsmart cards phone cardsdocuments able to be cashed ortraded vouchers money ordersstamps (not in a set or collection)(b) mobile phones or devices withmobile phone functionality (c)laptops electronic tablets PDAs andGPS/navigational devices (d) opticalitems vision and sound equipment- page 48

Limit $500 for Contents owned byinvited visitors staying less than 30consecutive days, excludes (a) cashsmart cards phone cardsdocuments able to be cashed ortraded vouchers money ordersstamps (not in a set or collection)(b) mobile phones or devices withmobile phone functionality (c)laptops electronic tablets PDAs andGPS/navigational devices (d) opticalitems vision and sound equipment- page 48

Limits of Cover at Risk Address

Aerials No sub limit - page 30 No sub limit - page 32 No sub limit - page 1-102/SPDS1/SPDS2

No sub limit - page 1-102/SPDS1/SPDS2

Bicycles No sub limit - page 40 No sub limit - page 46 No sub limit - page 1-102/SPDS1/SPDS2


CDs/DVDs/Videos/ElectronicGames/Digital Media

Limit $2,500 in total unlessspecified for CDs DVDs videosmedia purchased online licensedcomputer games and software -

Limit $2,500 in total unlessspecified for CDs DVDs videosmedia purchased online licensedcomputer games and software -



/42-43 page 46/48-49

Collection of Contents or Valuables Limit $2,000 any one item pair setor collection up to $5,000 in totalunless specified for artworkantiques curios hand wovencarpets oriental rugs furscollections and collectables - page40/42

Limit $2,500 any one item pair setor collection up to $10,000 in totalunless specified for antiques curiosfurs collections and collectables -page 46/48-49

Limit $2,000 in total unlessspecified for all collections sets andmemorabilia including stampsstamp collections collector's pinsmedals and currency no longer incirculation - page 18

Limit $2,000 in total unlessspecified for all collections sets andmemorabilia including stampsstamp collections collector's pinsmedals and currency no longer incirculation - page 18

Documents - Title Deed, Passport, Bondetc.

Limit $1,000 for theft of personaldocuments, excludes travel orother tickets coupons or giftvouchers - page 41/48/49

Limit $1,000 for theft of personaldocuments, excludes travel orother tickets coupons or giftvouchers - page 47/54/55

Limit $500 for costs to replacejewellery valuations passports willsland title to home driver licencesmarriage certificates and birthcertificates, excludes any otherdocument, benefit additional to SI -page 40

Limit $500 for costs to replacejewellery valuations passports willsland title to home driver licencesmarriage certificates and birthcertificates, excludes any otherdocument, benefit additional to SI -page 40

Firearms No sub limit, excludes unlicensedor unregistered firearms or firearmsstored illegally at Insured's Building- page 41

No sub limit, excludes unlicensedor unregistered firearms or firearmsstored illegally at Insured's Building- page 47

No sub limit provided allcommonwealth state territory orlocal government laws are obeyed,excludes firearms that areunlicensed or unregistered - page73

No sub limit provided allcommonwealth state territory orlocal government laws are obeyed,excludes firearms that areunlicensed or unregistered - page73

Furs Limit $2,000 any one item pair setor collection up to $5,000 in totalunless specified for artworkantiques curios hand wovencarpets oriental rugs furscollections and collectables - page40

Limit $2,500 any one item pair setor collection up to $10,000 in totalfor antiques curios furs collectionsand collectables - page 46



Gold or Silver Articles Limit $1,000 per item up to $5,000in total unless specified for anyitem containing gold or silver - page42/43

Limit $2,500 per item up to 20% ofContents SI in total unlessspecified for any item containinggold or silver - page 48/49

Limit $500 in total for uncut andunset gems gold and silver nuggetsand ingots - page 17


Jewellery Limit $1,000 per item up to $5,000total unless specified for jewelleryand watches - page 40/42-43

Limit $2,500 per item up to 20% ofContents SI in total unlessspecified for jewellery and watches- page 46/48-49

Limit $1,000 per item or set up to$4,000 in total unless specified forjewellery and watches - page 18

Limit $1,000 per item or set up to$4,000 in total unless specified forjewellery and watches - page 18

Mobile, CDMA, GSM, Satellite Phones Limit $1,000 per item up to $5,000in total for mobile telephonescomputers (including portable

No sub limit - page 46 No sub limit - page 1-102/SPDS1/SPDS2


computers) computer equipmentelectronic organisers and tablets -page 40/42-43

Money, Cheques and NegotiableInstruments

Limit $200 in total for money andnegotiable documents of any kind,excludes money and othernegotiable financial instrumentsbelonging to Insured's businesstrade or profession - page 40/41

Limit $500 in total for money andnegotiable documents of any kind,excludes money and othernegotiable financial instrumentsbelonging to Insured's businesstrade or profession - page 46

Limit $300 in total for cash smartcards phone cards documents ableto be cashed or traded vouchersmoney orders or stamps (not in aset or collection) - page 17

Limit $300 in total for cash smartcards phone cards documents ableto be cashed or traded vouchersmoney orders or stamps (not in aset or collection) - page 17

Oriental Rugs or Similar Limit $2,000 any one item pair setor collection up to $5,000 in totalunless specified for artworkantiques curios hand wovencarpets oriental rugs furscollections and collectables - page40/42

Limit $2,500 any one item pair setor collection up to $10,000 in totalunless specified for hand wovencarpets and oriental rugs - page46/48-49

Limit $2,000 unless specified foreach hand woven carpet or rug -page 18

Limit $2,000 unless specified foreach hand woven carpet or rug -page 18

Paintings, Pictures Limit $2,000 any one item pair setor collection up to $5,000 in totalunless specified for artworkantiques curios hand wovencarpets oriental rugs furscollections and collectables - page40/42

Limit $5,000 any one item pair setor collection up to 20% Contents SIin total unless specified for artwork- page 46/48-49

Limit $10,000 per item or set up toa total of $50,000 unless specifiedfor paintings pictures works of artsculptures ornaments and artobjects - page 18


Photographic Equipment andAccessories

No sub limit - page 40 No sub limit - page 46 No sub limit - page 1-102/SPDS1/SPDS2


Portable Electronic Equipment -MP3/CD/DVD Players, Computers, GamesConsoles etc

Limit $1,000 per item up to $5,000in total unless specified for mobiletelephones computers (includingportable computers) computerequipment electronic organisersand tablets, no sub limit forelectronic and audio visualequipment - page 40/42-43

Limit $2,500 per item up to $5,000in total for unless specified forcomputers (including portablecomputers) computer equipmentelectronic organisers and tablets,no sub limit for electronic andaudio visual equipment - page46/48-49



Sporting Equipment (not in use) No sub limit - page 40 No sub limit - page 46 No sub limit - page 1-102/SPDS1/SPDS2


Uncut or Unset Stones No, excluded as Contents - page41

No, excluded as Contents - page47



Unfitted Vehicle Caravan BoatAccessories or Spare Parts

Limit $500 in total for accessoriesand spare parts for motor vehiclesmotor cycles mini-bikes caravantrailer and watercraft - page 40

Limit $2,000 in total for accessoriesand spare parts for motor vehiclesmotor cycles mini-bikes caravantrailer and watercraft - page 46

Limit $500 for accessories andspare parts of motor vehicles ortrailers motorcycles or mini-motorcycles motorised scooters ormotorised bicycles watercraft oraircraft stored at the Building,excludes outboard motors, benefitadditional to SI - page 41

Limit $500 for accessories andspare parts of motor vehicles ortrailers motorcycles or mini-motorcycles motorised scooters ormotorised bicycles watercraft oraircraft stored at the Building,excludes outboard motors, benefitadditional to SI - page 41

Works of Art Limit $2,000 any one item pair setor collection up to $5,000 in totalunless specified for artworkantiques curios hand wovencarpets oriental rugs furscollections and collectables - page40/42

Limit $5,000 any one item pair setor collection up to 20% Contents SIin total unless specified for artwork- page 46/48-49



Other Limit $1,000 in total unlessspecified for personal medicalequipment wheelchairs artificialbody parts aids and accessories -page 40/42-43

Limit $2,500 in total unlessspecified for personal medicalequipment wheelchairs artificialbody parts aids and accessories -page 46/48-49

Not applicable - page 1-102/SPDS1/SPDS2

Not applicable - page 1-102/SPDS1/SPDS2

Personal Effects and Valuables(additional to Temporary Removal)

Anywhere in Australia or New Zealand Optional, unintentional loss ordamage anywhere in Australia,unspecified cover limited to SI of$1,000 $2,000 $3,000 $4,000 or$5,000 as selected by Insured butno more than 50% of SI any singleitem, specified cover limited toamount shown in schedule,exclusions apply - page 54-57

Optional, unintentional loss ordamage anywhere in Australia,unspecified cover limited to SI of$5,000 $10,000 $15,000 $20,000as selected by Insured but no morethan 50% of SI any single item,specified cover limited to amountshown in schedule, exclusionsapply - page 60-63

Optional, accidental loss or damagecover limited to $1,000 per itempair set or collection up to total SIshown in schedule for PortableValuables cover for unspecifiedportable valuables items anywherein Australia or New Zealand,Specified Items limited to individualSI shown in schedule, exclusionsapply - page 65-68

Optional, accidental loss or damagecover limited to $1,000 per itempair set or collection up to total SIshown in schedule for PortableValuables cover for unspecifiedportable valuables items anywherein Australia or New Zealand,Specified Items limited to individualSI shown in schedule, exclusionsapply - page 65-68

Overseas No - page 54-57 No - page 1-83/SPDS1/SPDS2 page1-3

Optional, accidental loss or damagecover limited to $1,000 per itempair set or collection up to total SIshown in schedule for PortableValuables cover for jewellery and

Optional, accidental loss or damagecover limited to $1,000 per itempair set or collection up to total SIshown in schedule for PortableValuables cover for jewellery and

watches anywhere in the world forup to 30 consecutive days but onlywhen these items are being wornby the Insured or while in asecured safe, exclusions apply -page 65-68

watches anywhere in the world forup to 30 consecutive days but onlywhen these items are being wornby the Insured or while in asecured safe, exclusions apply -page 65-68

Workers Compensation

Personal Injury to Persons Employed(Domestic)



Optional, ACT and WA only - page64

Optional, ACT and WA only - page64

Legal Liability

Limit of Liability Limited to $20,000,000 - page 28 Limited to $20,000,000 - page 30 Limited to $20,000,000 - page 69 Limited to $20,000,000 - page 69

Basis of Cover (a) Death or bodily injury to otherpeople (b) loss or damage to otherpeople's property - page 28

(a) Death or bodily injury to otherpeople (b) loss or damage to otherpeople's property - page 30



Resulting From Incident - page 28 Incident - page 30 Incident - page 69 Incident - page 69

Definition ofAccident/Incident/Occurrence

Not defined - page 1-75/SPDS1/SPDS2 page 1-3

Not defined - page 1-83/SPDS1/SPDS2 page 1-3

A single event accident oroccurrence which the Insured didnot intend or expect to happen -page 98

A single event accident oroccurrence which the Insured didnot intend or expect to happen -page 98

Aircraft Liability Limited to model aircraft with awingspan less than 1.5m - page 28

Limited to model aircraft with awingspan less than 1.5m - page 30

Limited to remote controlled modelor toy aircraft with a wingspan up to1.5m and a kite designed to beheld by a person on land orattached to a non-motor poweredwatercraft (e.g. a surf kite) - page70

Limited to remote controlled modelor toy aircraft with a wingspan up to1.5m and a kite designed to beheld by a person on land orattached to a non-motor poweredwatercraft (e.g. a surf kite) - page70

Buildings in Course of Construction Limited to building work repairs orredecorating if the value of thebuilding work does not exceed

Limited to building work repairs orredecorating if the value of thebuilding work does not exceed

Limited to building work where thetotal costs of building alteringextending or renovating do not

Limited to building work where thetotal costs of building alteringextending or renovating do not

$25,000 - page 29 $25,000 - page 31 exceed $50,000 - page 71 exceed $50,000 - page 71

Club Committee Errors and Omissions No - page 1-75/SPDS1/SPDS2 page1-3



Continuing Liability Cover Following aTotal Loss



Limited to 12 months, cover endsimmediately if (a) any building workcommences (b) repairs orrebuilding worth more than$50,000 in total commence at theinsured address or (c) the Insuredceases to insure their Contentsunder the policy - page 69-70

Limited to 12 months, cover endsimmediately if (a) any building workcommences (b) repairs orrebuilding worth more than$50,000 in total commence at theinsured address or (c) the Insuredceases to insure their Contentsunder the policy - page 69-70

Extended Motor Vehicle Liability -Legally Unregistered Vehicles

Limited to ride-on mowersmotorised golf carts and motorisedscooters which do not requireregistration and do not requirecompulsory insurance or to becovered under a statutory scheme- page 28

Limited to ride-on mowersmotorised golf carts and motorisedscooters which do not requireregistration and do not requirecompulsory insurance or to becovered under a statutory scheme- page 30

Limited to (a) remote-controlledmodel car or (b) wheelchair or amobility scooter designed toaccommodate physical disabilitiesor the elderly (c) golf cart or buggyor (d) domestic gardeningequipment eg ride-on mowerprovided they are being used legallyand did not have to be insuredunder compulsory third party laws -page 72

Limited to (a) remote-controlledmodel car or (b) wheelchair or amobility scooter designed toaccommodate physical disabilitiesor the elderly (c) golf cart or buggyor (d) domestic gardeningequipment eg ride-on mowerprovided they are being used legallyand did not have to be insuredunder compulsory third party laws -page 72

Legal Liability Costs Yes - page 28 Yes - page 30 Yes - page 69 Yes - page 69

Legal Liability Costs Can Be Incurredwithout Insurers Consent

No - page 28 No - page 30 No - page 69 No - page 69

Proven Income Loss/Court AttendanceCosts at Insurers Request




Strata Title Property Owners Liability Yes - page 28/29 Yes - page 30/31 Yes - page 69 Yes - page 69

Watercraft Liability Limited to canoes surfboards surfskis sailboards or other non-motorised watercraft less than 3min length - page 28

Limited to canoes surfboards surfskis sailboards or other non-motorised watercraft less than 3min length - page 30

Limited to sailboards surfboardswave board canoe kayak non-motorised surf ski or remote-controlled model watercraft - page72

Limited to sailboards surfboardswave board canoe kayak non-motorised surf ski or remote-controlled model watercraft - page72

Worldwide Liability When ContentsInsured

No, Limited to anywhere in Australia- page 28/29

No, Limited to anywhere in Australia- page 30/31

No, Australia and New Zealand only- page 69

No, Australia and New Zealand only- page 69

Occupancy of Building

Occupancy Requirements Insurer must be advised if Buildingwill be unoccupied for more than60 days - page 61


The Building is furnished enough tobe lived in and someone is eatingsleeping and living in the Buildingand it is connected to utilities,must contain a bed clothes andlinen storage area an eating tableor bench a refrigerator and cookingappliance - page 101

The Building is furnished enough tobe lived in and someone is eatingsleeping and living in the Buildingand it is connected to utilities,must contain a bed clothes andlinen storage area an eating tableor bench a refrigerator and cookingappliance - page 101

Unoccupancy Period 60 consecutive days - page 59 60 consecutive days - page 65 60 continuous days - page 11 60 continuous days - page 11

Unoccupancy Conditions No cover provided beyondunoccupancy period unless Insurernotified and agreed to cover - page59

No cover provided beyondunoccupancy period unless Insurernotified and agreed to cover - page65

(a) An Unoccupied Excess will applyin addition to all other excesseswhen the Building has beenunoccupied for more than 60continuous days unless otherwisestated (b) period of unoccupancystarts when the Building becomesunoccupied and comes to an endwhen the Insured or someonenominated by the Insured hasoccupied the Building for at least 2consecutive nights and prove ofoccupancy may be required by theInsurer who will decide if theunoccupied excess applies - page11/85

(a) An Unoccupied Excess will applyin addition to all other excesseswhen the Building has beenunoccupied for more than 60continuous days unless otherwisestated (b) period of unoccupancystarts when the Building becomesunoccupied and comes to an endwhen the Insured or someonenominated by the Insured hasoccupied the Building for at least 2consecutive nights and prove ofoccupancy may be required by theInsurer who will decide if theunoccupied excess applies - page11/85

Definition

The Insured The person or people named asthe Insured in the schedule - page73

The person or people named asthe Insured in the schedule - page80

(a) The person or persons namedas the Insured shown in scheduleand members of Insured's familywho normally live with the Insuredat the insured address including (i)spouse partner or de facto (ii)parents parent-in-law grandparents(iii) children grandchildren brothersand sisters including theirrespective spouse partner ordefacto (iv) the children parentsparents-in-law grandparentsgrandchildren brothers and sistersof the Insured's spouse partner orde factor and (v) people whoprovide care or services to Insured(b) If the Insured shown inschedule is a company trustee of atrust or body corporate then theInsured refers to (i) that companytrustee or body corporate (ii) thefollowing the they normally live atthe insured address (a) anycompany director company owneror trust beneficiary and (b) theirrespective family members - page13/101

(a) The person or persons namedas the Insured shown in scheduleand members of Insured's familywho normally live with the Insuredat the insured address including (i)spouse partner or de facto (ii)parents parent-in-law grandparents(iii) children grandchildren brothersand sisters including theirrespective spouse partner ordefacto (iv) the children parentsparents-in-law grandparentsgrandchildren brothers and sistersof the Insured's spouse partner orde factor and (v) people whoprovide care or services to Insured(b) If the Insured shown inschedule is a company trustee of atrust or body corporate then theInsured refers to (i) that companytrustee or body corporate (ii) thefollowing the they normally live atthe insured address (a) anycompany director company owneror trust beneficiary and (b) theirrespective family members - page13/101

Flood The covering of normally dry land bywater that has escaped or beenreleased from the normal confinesof any (a) lake river creek oranother natural watercourse(whether or not altered ormodified) (b) reservoir (c) canal or(d) dam - page 72

The covering of normally dry land bywater that has escaped or beenreleased from the normal confinesof any (a) lake river creek oranother natural watercourse(whether or not altered ormodified) (b) reservoir (c) canal or(d) dam - page 78-79

The covering of normally dry land bywater that has escaped or beenreleased from the normal confinesof any (a) lake river creek or othernatural watercourse (whether ornot is has been altered or modified(b) reservoir (c) canal (d) dam - page20

The covering of normally dry land bywater that has escaped or beenreleased from the normal confinesof any (a) lake river creek or othernatural watercourse (whether ornot is has been altered or modified(b) reservoir (c) canal (d) dam - page20

Part of Building Definition

Building in Course of Construction No - page 31 No - page 33 No - page 14 No - page 14

Domestic Outbuildings Yes - page 30 Yes - page 32 Yes - page 14 Yes - page 14

Fixed Exterior Blinds and Awnings Yes - page 30 Yes - page 32 Yes, permanently attached fixtures- page 14

Yes, permanently attached fixtures- page 14

Fixed Floor Coverings excluding Carpets Yes - page 30 Yes - page 32 Yes - page 14 Yes - page 14

Inbuilt Pools, Saunas, Spas Yes, includes their fixedaccessories - page 30

Yes, includes their fixedaccessories - page 32

Limited to fixed swimming poolsand spas - page 14

Limited to fixed swimming poolsand spas - page 14

Internal Drapes, Curtains, Blinds No - page 31 No - page 33 No - page 14 No - page 14

Jetties, Wharves, Pontoons No - page 31 No - page 33 Limited to boat jetties pontoonsmooring poles and theirattachments and accessorieslocated within the boundaries ofthe insured address or where partof their structure begins orterminates on the insured address- page 14

Limited to boat jetties pontoonsmooring poles and theirattachments and accessorieslocated within the boundaries ofthe insured address or where partof their structure begins orterminates on the insured address- page 14

Professional Offices or Surgeries No, excludes any part of a Buildingor site used for conducting abusiness trade or profession otherthan as described in the schedule -page 31

No, excludes any part of a Buildingor site used for conducting abusiness trade or profession otherthan as described in the schedule -page 33

Not defined - page 1-102/SPDS1/SPDS2

Not defined - page 1-102/SPDS1/SPDS2

Part of Contents Definition

Strata Title Property Owners Fixturesand Fittings

Yes - page 42 Yes - page 48 Yes, Contents include the fittings ofa unit if the fittings are not legallypart of the unit building accordingto the relevant state law and thefittings are limited by law anddepending on the location of theInsured's unit could be (a) lino

Yes, Contents include the fittings ofa unit if the fittings are not legallypart of the unit building accordingto the relevant state law and thefittings are limited by law anddepending on the location of theInsured's unit could be (a) lino

installed in the unit whetherpermanently attached or not (b)floating wooden floors (c) airconditioners and spas for the soleuse of the unit owner or occupier(d) wall paint and paper if theInsured's unit is located in NSW,excludes any item legally part of aunit building according to therelevant state law - page 16

installed in the unit whetherpermanently attached or not (b)floating wooden floors (c) airconditioners and spas for the soleuse of the unit owner or occupier(d) wall paint and paper if theInsured's unit is located in NSW,excludes any item legally part of aunit building according to therelevant state law - page 16

Tenants Fixtures and Fittings Yes - page 42 Yes - page 48 Yes, Contents includes (a) fixturesowned by the Insured as a tenantof a unit which will be removedwhen vacating and (b) any itemsowned by the Insured as a tenantthat are primarily used for domesticand residential purposes and arepermanently attached to theinsured address - page 16

Yes, Contents includes (a) fixturesowned by the Insured as a tenantof a unit which will be removedwhen vacating and (b) any itemsowned by the Insured as a tenantthat are primarily used for domesticand residential purposes and arepermanently attached to theinsured address - page 16

Unregistered Vehicles Limited to ride-on mowersmotorised golf carts and motorisedscooters which do not requireregistration - page 40

Limited to ride-on mowersmotorised golf carts and motorisedscooters which do not requireregistration - page 46

Limited to wheelchairs mobilityscooters ride-on mowers golf cartsand remote controlled model or toymotor vehicles - page 15

Limited to wheelchairs mobilityscooters ride-on mowers golf cartsand remote controlled model or toymotor vehicles - page 15

Watercraft, Motors and Equipment Limited to canoes surfboards surfskis sailboards or other non-motorised watercraft less than 3min length - page 41

Limited to canoes surfboards surfskis sailboards or other non-motorised watercraft less than 3min length - page 47

Limited to surfboards sailboardskite surfing equipment canoeskayaks and non-motorised surf skisremote controlled model or toywatercraft - page 15

Limited to surfboards sailboardskite surfing equipment canoeskayaks and non-motorised surf skisremote controlled model or toywatercraft - page 15

Exclusions and Conditions

Action of Sea Excluded - page 25/58 Excluded - page 25/64 Excluded except for loss or damagefrom storm surge which occurs atthe same time as a storm, excludesactions or movements of the seaincluding rises in the level of theocean or sea sea waves high tidesor king tides - page 21/22/23/73/97

Excluded except for loss or damagefrom storm surge which occurs atthe same time as a storm, excludesactions or movements of the seaincluding rises in the level of theocean or sea sea waves high tidesor king tides - page 21/22/23/73/97

Asbestos or Asbestos Derivatives Excludes any liability arising from orin connection with directly orindirectly from any asbestos or anyproducts containing asbestos,excludes any loss damage or

Excludes any liability arising from orin connection with directly orindirectly from any asbestos or anyproducts containing asbestos,excludes any loss damage or

Excludes liability caused by orresulting from exposure to orpotential exposure to asbestos inany form, includes the cost toremove asbestos or its derivatives

Excludes liability caused by orresulting from exposure to orpotential exposure to asbestos inany form, includes the cost toremove asbestos or its derivatives

liability arising directly or indirectlyfrom asbestos asbestos fibres orany form of asbestos derivative -page 29/61

liability arising directly or indirectlyfrom asbestos asbestos fibres orany form of asbestos derivative -page 31/67

from the insured address duringrepairs or rebuilding if claimaccepted for loss or damage toBuilding or Contents - page 70/73

from the insured address duringrepairs or rebuilding if claimaccepted for loss or damage toBuilding or Contents - page 70/73

Birds, Insects, Vermin, Termites, Mothsor Animals kept at Risk Address

Excludes any loss or damagecaused by (a) vermin rodentswildlife insects termites or anyanimal or bird kept in the Buildingor at the site (b) any animal or birdpecking biting chewing clawingtearing or soiling (i) the exterior ofthe Building (ii) the interior ofBuildings which are not completelyenclosed or (iii) Contents in theopen air, excludes liability for anyanimal other than a domestic dogor cat kept as a pet in Insured'sBuilding or at the site - page27/29/59

Excludes any loss or damagecaused by (a) vermin rodentswildlife insects termites or anyanimal or bird kept in the Buildingor at the site (b) any animal or birdpecking biting chewing clawingtearing or soiling (i) the exterior ofthe Building (ii) the interior ofBuildings which are not completelyenclosed or (iii) Contents in theopen air, excludes liability for anyanimal other than a domestic dogor cat kept as a pet in Insured'sBuilding or at the site - page27/31/65

Excludes damage by (a) insectsvermin or rodents other thanresultant damage by fire or escapeof liquid (b) animals pecking bitingclawing scratching tearing orchewing the Building or Contentsor damage caused by their urine orexcrement other than from ananimal accidentally trapped insidethe Building which does not belongto the Insured or anyone living inthe Building (c) animals owned bythe Insured or Insured isresponsible for or anyone living inthe Building or allowed into theBuilding by the Insured or anyoneliving in the Building, Legal liabilityexcludes control or safekeeping ofdangerous dogs or restricted breedof dogs including not obeying andlegal requirement to restrain a dogin public or keep it fenced in,includes loss or damage caused byan animal - page 28/70/73

Excludes damage by (a) insectsvermin or rodents other thanresultant damage by fire or escapeof liquid (b) animals or birds peckingbiting clawing scratching tearing orchewing the Building or Contentsor damage caused by their urine orexcrement other than from ananimal accidentally trapped insidethe Building which does not belongto the Insured or anyone living inthe Building (c) animals owned bythe Insured or Insured isresponsible for or anyone living inthe Building or allowed into theBuilding by the Insured or anyoneliving in the Building, Legal liabilityexcludes control or safekeeping ofdangerous dogs or restricted breedof dogs including not obeying andlegal requirement to restrain a dogin public or keep it fenced in,includes loss or damage caused byan animal - page 28/59/70/73

Building Alterations AdditionsDemolition Repairs

Excludes flood or storm damagecaused by water entering theBuilding due to building alterationsadditions or renovations, excludeswater entering the Building throughan opening made for the purposeof alterations additions renovationsor repairs, excludes any buildingwork including any extensionsalterations or renovations, excludesremoving or weakening supports orfoundations for alterationsadditions renovations or repair,excludes liability for any buildingwork repairs or redecoration beingcarried out at the Building or the

Excludes flood or storm damagecaused by water entering theBuilding due to building alterationsadditions or renovations, excludeswater entering the Building throughan opening made for the purposeof alterations additions renovationsor repairs, excludes any buildingwork including any extensionsalterations or renovations, excludesremoving or weakening supports orfoundations for alterationsadditions renovations or repair,excludes liability for any buildingwork repairs or redecoration beingcarried out at the Building or the

Excludes (a) damage caused bycracking collapse subsidence ordamage to Buildings caused fully orpartially by the building work (b)damage caused by storm flood orwater entering Insured's home orunit through openings in walls orroof or other unfinished parts ofthe Building whether or not theyare temporarily covered at time ofdamage (c) damage caused bystorm or flood to any part that isnot fully build (d) theft or damageby someone who enter or leavesthrough an unlockable part ofInsured's Building (e) malicious

Excludes (a) damage caused bycracking collapse subsidence ordamage to Buildings caused fully orpartially by the building work (b)damage caused by storm flood orwater entering Insured's home orunit through openings in walls orroof or other unfinished parts ofthe Building whether or not theyare temporarily covered at time ofdamage (c) damage caused bystorm or flood to any part that isnot fully build (d) theft or damageby someone who enter or leavesthrough an unlockable part ofInsured's Building (e) malicious

site if the value of the workexceeds $25,000 - page25/29/58/59

site if the value of the workexceeds $25,000 - page25/31/64/65

damage or vandalism to unfinishedparts of Building (f) liability forincidents if the value of workexceeds $50,000 - page56/58/71/74

damage or vandalism to unfinishedparts of Building (f) liability forincidents if the value of workexceeds $50,000 (g) accidentaldamage to Building caused bybuilding renovating or altering theBuilding except for spilling of paint -page 59/71/74

Building of Flats or Strata Title Units,Caravans

Excludes (a) mobile home caravanhouseboat or any temporarydemountable structure (b) aBuilding which is owned undercompany share stratum or stratatitle - page 31

Excludes (a) mobile home caravanhouseboat or any temporarydemountable structure (b) aBuilding which is owned undercompany share stratum or stratatitle - page 33

Excludes caravans - page 14 Excludes caravans - page 14

Computer Hackers/Hacking Not a defined event - page 1-75/SPDS1/SPDS2 page 1-3

No exclusion - page 1-83/SPDS1/SPDS2 page 1-3

Excluded - page 74 Excluded - page 74

Computer Virus or Malfunction Excludes loss or damage ofwhatever kind arising directly orindirectly out of (a) the corruptiondestruction or alteration of ordamage to data coding programmeor software or (b) the unavailabilityof data or reduction in thefunctionality availability or operationof hardware software or embeddedchips or (c) any businessinterruption arising therefrom,excludes any error in computerprogramming or instructions to thecomputer - page 59/60

Excludes loss or damage ofwhatever kind arising directly orindirectly out of (a) the corruptiondestruction or alteration of ordamage to data coding programmeor software or (b) the unavailabilityof data or reduction in thefunctionality availability or operationof hardware software or embeddedchips or (c) any businessinterruption arising therefrom,excludes any error in computerprogramming or instructions to thecomputer - page 65/66


Damage Intentionally Caused by Insuredor on their Behalf

Excluded - page 29/58 Excluded - page 31/64 Excluded, excludes deliberate ormalicious damage to or destructionof a reservoir or dam or any lootingor rioting following such an incident- page 75

Excluded, excludes deliberate ormalicious damage to or destructionof a reservoir or dam or any lootingor rioting following such an incident- page 75

Defects - Inherent and Other Excludes storm or flood waterentering a Building through anopening resulting from defectiveworkmanship construction or

Excludes storm or flood waterentering a Building through anopening resulting from defectiveworkmanship construction or

Excludes loss or damage caused bya defect structural fault or designfault that the Insured knew aboutor should reasonably have known

Excludes loss or damage caused bya defect structural fault or designfault that the Insured knew aboutor should reasonably have known

design, excludes inherent orstructural defects faulty design orworkmanship - page 25/59

design, excludes inherent orstructural defects faulty design orworkmanship - page 25/65

about and failed to fix - page 75 about and failed to fix - page 75

Earth Movement following a Storm Excluded except for earthquake -page 24/58

Excluded except for earthquake -page 24/64

Excluded except for landslide orsubsidence that occurs within 72hours of and directly because of astorm and not because of erosionover time structural fault or designfault, excludes erosion vibrationsubsidence landslip landslidemudslide collapse shrinkage or anyother earth movement - page22/76

Excluded except for landslide orsubsidence that occurs within 72hours of and directly because of astorm and not because of erosionover time structural fault or designfault, excludes erosion vibrationsubsidence landslip landslidemudslide collapse shrinkage or anyother earth movement - page22/76

Erosion, Subsidence, Landslide, EarthMovement



Excluded except for landslide orsubsidence that occurs within 72hours of damage to the Buildingspecifically covered by storm floodearthquake tsunami and explosion,excludes erosion vibrationsubsidence landslip landslidemudslide collapse shrinkage or anyother earth movement - page21/22/23/29/76

Excluded except for landslide orsubsidence that occurs within 72hours of damage to the Buildingspecifically covered by storm floodearthquake tsunami and explosion,excludes erosion vibrationsubsidence landslip landslidemudslide collapse shrinkage or anyother earth movement - page21/22/23/29/76

Fire Related Damage Excludes loss or damage caused (a)by scorching burn marks or meltingwhere there has been no flame (b)by heat soot smoke or ash unlessthe Building or Contents havecaught on fire (c) to a heat or fireresistant item such as a heaterdryer cooking appliance or iron if itignites or combusts or (d) theapplication of heat - page 22/23/59

Excludes loss or damage caused toa heat or fire resistant item such asa heater dryer cooking appliance oriron if it ignites or combusts,excludes the application of heat -page 22/23/65

Excludes damage caused by (a)heat ash soot and smoke damagewhen Building or Contents has notcaught fire except caused by aburning building within 10m ofInsured's Building (b) arcingscorching or cigarette burns exceptfire spreading from initial burn spot(c) pollution or vapour from homeheater or cooking appliance excepta fire spreading from the initialsource, Policy condition thatInsured does not wash or clean orremove debris from any areadamaged by fire without Insurer'sconsent or unless Insured needsto do this to prevent further loss -page 23/81

Excludes damage caused by (a)heat ash soot and smoke damagewhen Building or Contents has notcaught fire except caused by aburning building within 10m ofInsured's Building (b) arcingscorching or cigarette burns exceptfire spreading from initial burn spot(c) pollution or vapour from homeheater or cooking appliance excepta fire spreading from the initialsource (d) scorching or burning bycigars cigarettes or pipes, Policycondition that Insured does notwash or clean or remove debrisfrom any area damaged by firewithout Insurer's consent or unlessInsured needs to do this to preventfurther loss - page 23/59/81

Glasshouse or Conservatory Glass Excluded - page 23 Excluded - page 29 Excludes glass in a glasshousegreenhouse or conservatory - page25

Excludes glass in a glasshousegreenhouse or conservatory - page25

High Water Excludes high tide - page 25/58 Excludes high tide - page 25/64 Excluded except for loss or damagefrom storm surge which occurs atthe same time as a storm, excludesactions or movements of the seaincluding rises in the level of theocean or sea sea waves high tidesor king tides - page 21/22/23/73/97

Excluded except for loss or damagefrom storm surge which occurs atthe same time as a storm, excludesactions or movements of the seaincluding rises in the level of theocean or sea sea waves high tidesor king tides - page 21/22/23/73/97

Hotel, Motel, Nursing Home, BoardingHouse

Excludes hotels motels or boardinghouses - page 31

Excludes hotels motels or boardinghouses - page 33

Excludes hotel motel boarding orguest house - page 15

Excludes hotel motel boarding orguest house - page 15

Hydrostatic Pressure Action onPools/Spas

Excluded - page 60 Excluded - page 66 Excluded - page 78 Excluded - page 78

Lawful Destruction/Confiscation ofInsured Property

Excluded - page 60 Excluded - page 66 Excluded - page 74 Excluded - page 74

Liability from any Professional,Recreational or Sporting Activity

Excludes any trade businessoccupation or employment carriedon by Insured family or anyoneliving at the Building for reward,excludes the use of the Building orsite for any business purpose orfarming activity unless Insureragrees to cover, excludes anyprofessional or amateur sportingactivity - page 28/29

Excludes any trade businessoccupation or employment carriedon by Insured family or anyoneliving at the Building for reward,excludes the use of the Building orsite for any business purpose orfarming activity unless Insureragrees to cover, excludes anyprofessional or amateur sportingactivity - page 30/31

Excludes liability from any businessactivities except if it relates to part-time or casual babysitting whereInsured does not need to beregistered or licensed to do this -page 71

Excludes liability from any businessactivities except if it relates to part-time or casual babysitting whereInsured does not need to beregistered or licensed to do this -page 71

Malicious Damage by Tenants or Personsat Risk Address with Consent

Excluded - page 27/58 Excluded - page 29/64 Excludes malicious damage by (a)Insured or someone living at theBuilding (b) someone who enteredthe Building with Insured's consentor consent of someone with theirauthority to access the Building,excludes deliberate or malicious

Excludes malicious damage by (a)Insured or someone living at theBuilding (b) someone who enteredthe Building with Insured's consentor consent of someone with theirauthority to access the Building,excludes deliberate or malicious

damage to or destruction of areservoir or dam - page 29/75

damage to or destruction of areservoir or dam - page 29/75

Mechanical or Electrical Breakdown(other than Fusion)

Excludes mechanical electrical orelectronic breakdown failure ormalfunction of an item - page 58

Excludes mechanical electrical orelectronic breakdown failure ormalfunction of an item except as aresult of additional benefitHousehold Appliance Cover - page64

Excluded except for (a) powersurge as covered under insuredevents Fire Lightning Storm Floodand Motor Burnout Optional Cover(b) fire spreading from an electricalfault to other parts of Building andContents to the extent it iscovered under insured event Fire(c) lightning to the extent is itcovered under insured eventLightning, excludes othermechanical or electrical failure orbreakdown or anything that failedto operate properly - page 76/77

Excluded except for (a) powersurge as covered under insuredevents Fire Lightning Storm Floodand Motor Burnout Optional Cover(b) fire spreading from an electricalfault to other parts of Building andContents to the extent it iscovered under insured event Fire(c) lightning to the extent is itcovered under insured eventLightning, excludes othermechanical or electrical failure orbreakdown or anything that failedto operate properly - page 76/77

Pollution other than Involving Animals,Terrorism or War and Nuclear Activities

Excludes the discharge dispersalrelease or escape of pollutantswaste materials or other irritantsand contaminants on or into landthe atmosphere or anywatercourse or body of water -page 29

Excludes the discharge dispersalrelease or escape of pollutantswaste materials or other irritantsand contaminants on or into landthe atmosphere or anywatercourse or body of water -page 31

Excludes loss or damage or liabilitycaused by any biological bacterialviral germ chemical or poisonouspollutant or contaminant or anylooting or rioting following theseincidents except for (a) fire damage(b) legal liability caused by Insured'suse of pesticides or herbicides atthe insured address - page 73

Excludes loss or damage or liabilitycaused by any biological bacterialviral germ chemical or poisonouspollutant or contaminant or anylooting or rioting following theseincidents except for (a) fire damage(b) legal liability caused by Insured'suse of pesticides or herbicides atthe insured address - page 73

Sanction Limitation Exclusion No exclusion - page 1-75/SPDS1/SPDS2 page 1-3


No exclusion - page 1-102/SPDS1/SPDS2


Security System - Not Activated/Working Excludes cover for theft orattempted theft vandalism andmalicious acts if the securitydevices or mechanisms Insuredadvised were not installed not inworking order or not connected,Condition applies that Insuredmust at all times on every occasionthey leave the Building lock allwindows and doors and put intooperation any alarm or othersecurity system Insurer has beenadvised of otherwise a claim may

Excludes cover for theft orattempted theft vandalism andmalicious acts if the securitydevices or mechanisms Insuredadvised were not installed not inworking order or not connected,Condition applies that Insuredmust at all times on every occasionthey leave the Building lock allwindows and doors and put intooperation any alarm or othersecurity system Insurer has beenadvised of otherwise a claim may

Condition applies, Insured tomaintain locks or alarms in goodworking condition if Insurer reliedon burglary security and monitoredsmoke detectors being installedwhen accepting the policy,excludes loss damage cost or legalliability caused by arising from orinvolving security or alarms notworking loss or theft if the doorlocks window locks or alarmsInsured installed and notifiedInsurer were in fact not installed

Condition applies, Insured tomaintain locks or alarms in goodworking condition if Insurer reliedon burglary security and monitoredsmoke detectors being installedwhen accepting the policy,excludes loss damage cost or legalliability caused by arising from orinvolving security or alarms notworking loss or theft if the doorlocks window locks or alarmsInsured installed and notifiedInsurer were in fact not installed

be reduced or refused - page23/27/62

be reduced or refused - page23/29/68

not in working conditiondisconnected or not used asintended and Insurer relied onthem being there as a reason foraccepting and continuing the policy(however, forgetting to turn onalarm or to lock a door will not initself affect theft cover under thepolicy) - page 11/79

not in working conditiondisconnected or not used asintended and Insurer relied onthem being there as a reason foraccepting and continuing the policy(however, forgetting to turn onalarm or to lock a door will not initself affect theft cover under thepolicy) - page 11/79

Seepage Excludes (a) seepage or slowescape of liquid over time (b) waterseeping through or permeatingwalls roofs or floors - page 27/58

Excludes (a) seepage or slowescape of liquid over time (b) waterseeping through or permeatingwalls roofs or floors - page 27/64

Excludes seepage of water throughthe earth caused by water seepingor running (a) down the sides ofearth or earth fill that is up againstthe Building (b) down the sides orunderneath swimming pools orspas causing them to move changeshape or lift or leak through theirhydrostatic valves (c) against orthrough retaining walls and forcingthem to move to crack (e) fromagricultural pipes - page 78

Excludes seepage of water throughthe earth caused by water seepingor running (a) down the sides ofearth or earth fill that is up againstthe Building (b) down the sides orunderneath swimming pools orspas causing them to move changeshape or lift or leak through theirhydrostatic valves (c) against orthrough retaining walls and forcingthem to move to crack (e) fromagricultural pipes - page 78

Settling, Shrinkage, Expansion Excluded except for earthquake,excludes other settling expansionand any other earth movement,excludes settlement shrinkagevibration contraction or expansionin Building foundations walls orpavements - page 58/59

Excluded except for earthquake,excludes other settling expansionand any other earth movement,excludes settlement shrinkagevibration contraction or expansionin Building foundations walls orpavements - page 64/65

Excludes shrinkage - page21/22/23/29/76

Excludes shrinkage - page21/22/23/29/76

Sports Equipment Whilst in Use/Play Excluded - page 55/59 Excluded - page 61/65 Excluded except for bicycles whilstin use but not whilst being used forracing or pace-making, excludessporting recreational or leisuregoods and equipment whilst in use- page 59/67/68

Excluded except for bicycles whilstin use but not whilst being used forracing or pace-making, excludessporting recreational or leisuregoods and equipment whilst in use- page 59/67/68

Tenanted Premises No exclusion - page 1-75/SPDS1/SPDS2 page 1-3



Terrorism Excluded - page 60-61 Excluded - page 66 Not a defined event - page 1-102/SPDS1/SPDS2


Theft by Tenants or Persons at RiskAddress with Consent

Excluded - page 23 Excluded - page 23 Excludes theft or damage (a) byInsured or someone living at theBuilding (b) by someone whoentered the Building with Insured'sconsent or consent of someonewith their authority to access theBuilding - page 23

Excludes theft or damage (a) byInsured or someone living at theBuilding (b) by someone whoentered the Building with Insured'sconsent or consent of someonewith their authority to access theBuilding - page 23

Theft of Property in Common Areas Excluded - page 23 Excluded - page 23 Excluded except for theft followingforced entry unless it's from a fullyenclosed car garage which isrestricted to Insured's use only,excludes theft caused by thieves orburglars entering the Insured'sBuilding from common propertyshared clothes line areas garagesstorage areas or a car parking lot atthe Building without signs of forcedentry - page 23

Excluded except for theft followingforced entry unless it's from a fullyenclosed car garage which isrestricted to Insured's use only,excludes theft caused by thieves orburglars entering the Insured'sBuilding from common propertyshared clothes line areas garagesstorage areas or a car parking lot atthe Building without signs of forcedentry - page 23

Tidal Wave Excluded - page 25/58 Excluded - page 25/64 Excluded except for storm surgewhich occurs at the same time as astorm, excludes actions ormovements of the sea includingrises in the level of the ocean orsea sea waves high tides king tides- page 21/22/23/73/97

Excluded except for storm surgewhich occurs at the same time as astorm, excludes actions ormovements of the sea includingrises in the level of the ocean orsea sea waves high tides king tides- page 21/22/23/73/97

Tree Lopping Excluded - page 25/29/59 Excluded - page 27/31/65 Excluded - page 28/79 Excluded - page 28/79

Unregistered or Unlicensed Firearms Excludes unlicensed orunregistered firearms or firearmsstored illegally at Insured's Building- page 41

Excludes unlicensed orunregistered firearms or firearmsstored illegally at Insured's Building- page 47

Excluded - page 16/73 Excluded - page 16

Use of Alcohol or Drugs Excludes liability for personal injuryor property damage arising from orin connection with directly orindirectly from the supply of anyalcohol or drugs or theconsumption of any drugs oralcohol unless the consumption did

Excludes liability for personal injuryor property damage arising from orin connection with directly orindirectly from the supply of anyalcohol or drugs or theconsumption of any drugs oralcohol unless the consumption did

Excludes Insured's possessionsupply or consumption of anyillegally substance or illegal drugs -page 73

Excludes Insured's possessionsupply or consumption of anyillegally substance or illegal drugs -page 73

not cause or contribute to theincident - page 29

not cause or contribute to theincident - page 31

War and Nuclear Activities Excluded - page 60 Excluded - page 66/67 Excluded - page 77 Excluded - page 77

Separate Basis of Settlement Clause

Escape of Liquid from Shower Base/Wall Policy excludes loss or damagecaused by a leaking or faultyshower recess or base, excludesthe cost of repairing a leaking orfaulty shower recess or base - page27

Policy excludes loss or damagecaused by a leaking or faultyshower recess or base, excludesthe cost of repairing a leaking orfaulty shower recess or base - page27

Policy excludes loss or damage toor caused by a leaking shower flooror base shower cubicle wallsshower glass screening or doors -page 27

Policy excludes loss or damage toor caused by a leaking shower flooror base shower cubicle wallsshower glass screening or doors -page 27/59

Items Not Covered forReplacement/Reinstatement

Computers over 4 years old will besettled at market value based onage and condition at time of loss -page 45

Computers over 4 years old will besettled at market value based onage and condition at time of loss -page 50/51

Standard Basis of Settlementconditions apply - page 1-102/SPDS1/SPDS2

Standard Basis of Settlementconditions apply - page 1-102/SPDS1/SPDS2

Matching Materials for Undamaged FloorWall and Ceiling Coverings following anInsured Event

Insurer will only pay for the repairor replacement in the room hall orpassage where damage occurred -page 33/44

Insurer will only pay for the repairor replacement in the room hall orpassage where damage occurred -page 35/50

Policy has (a) limit $750 to match orcomplement undamaged materialsin the same room hallway stairs orpassageway where damageoccurred following an escape ofliquid provided Insurer has paid fordamage or exploratory costs (b)replace undamaged wall tiles in thesame room stairs hallway orpassageway so they match orcomplement new tiles used forrepairs (c) Insurer will pay extra to(i) paint wallpaper or replace otherundamaged wall coverings (ii)replace continuously joinedundamaged floor coverings and (iii)replace undamaged blinds andcurtains of the same material in thesame room stairs hallway orpassageway where the damageoccurred (d) Insurer will pay extrato replace undamaged parts of thesame cupboard cabinet or benchtop in the kitchen so they matchthe repaired parts - page 89/90/95

Policy has (a) limit $750 to match orcomplement undamaged materialsin the same room hallway stairs orpassageway where damageoccurred following an escape ofliquid provided Insurer has paid fordamage or exploratory costs (b)replace undamaged wall tiles in thesame room stairs hallway orpassageway so they match orcomplement new tiles used forrepairs (c) Insurer will pay extra to(i) paint wallpaper or replace otherundamaged wall coverings (ii)replace continuously joinedundamaged floor coverings and (iii)replace undamaged blinds andcurtains of the same material in thesame room stairs hallway orpassageway where the damageoccurred (d) Insurer will pay extrato replace undamaged parts of thesame cupboard cabinet or benchtop in the kitchen so they matchthe repaired parts - page 89/90/95

Pairs and Sets Insurer will only pay for the repairor replacement of the part which islost or damaged - page 44

Insurer will only pay for the repairor replacement of the part which islost or damaged - page 50

Insurer will only replace items lostor damaged - page 88

Insurer will only replace items lostor damaged - page 88

Storm, Rain, Wind to Gates, Fences,Freestanding Walls

Policy excludes loss or damage toretaining or freestanding walls,cover for dividing fences is limitedto half the cost of repairs - page25/33

Policy excludes loss or damage toretaining or freestanding walls,cover for dividing fences is limitedto half the cost of repairs - page25/35

Fencing limited to 2km, excludesloss or damage to retaining wallssea walls garden boarders freestanding outdoor walls and gatesfences or wall fences that were inan obvious state of disrepair beforedamage occurred - page 15/22

Fencing limited to 2km, excludesloss or damage to retaining wallssea walls garden boarders freestanding outdoor walls and gatesfences or wall fences that were inan obvious state of disrepair beforedamage occurred - page 15/22/59

Additional Information

1 Dangerous Goods - Policy conditionthat Insured must comply with allrelevant laws by-laws and statutoryregulations to keep or use anydangerous or hazardous goods orsubstances in the Building or at thesite or benefit reduced under thepolicy by any additional amountInsurer has to pay because Insureddid not comply - page 62-63

Dangerous Goods - Policy conditionthat Insured must comply with allrelevant laws by-laws and statutoryregulations to keep or use anydangerous or hazardous goods orsubstances in the Building or at thesite or benefit reduced under thepolicy by any additional amountInsurer has to pay because Insureddid not comply - page 68

Type of Cover - This comparison iscompleted based on the coverprovided if the Defined Eventsoption for the Classic level of coveris taken however there are optionsfor Accidental Damage (Classic -Optional Accidental Damage,Classic Extras and Platinum) -separate comparisons available -page 58

Type of Cover - This comparison iscompleted based on the coverprovided if the Accidental Damageextension to Defined Events coveris taken - separate Defined Eventscomparison available - page 20

2 Emergency Grocery Cover - Limit$250 if the Building or Contents aredamaged as a result of an insuredevent and Insured is unable to gainaccess to their Building - page48/49

Building Safety Net - Limited toadditional 30% of Building SI foradditional necessary andreasonable costs to repair orrebuild the Building if the Buildingsuffers loss or damage from aninsured event and the cost ofrepairing or rebuilding exceeds theBuilding SI - page 40/41

Breaking The Law Exclusion - Policyexcludes the Insured not obeyingany commonwealth state territoryor local government law includinglaws relating to (a) installing smokealarms (b) pool fencing (c) failing toinstall a balcony railing orbalustrade when required (d)dangerous goods and liquids - page73

Accidental Damage Exclusion -Cover excludes (a) accidental lossor damage to sporting surfaces orcourts or boat jetties pontoonsmooring poles and theirattachments and accessories or toswimming pool liners or covers (b)cash smart cards phone cardsdocuments able to be cashed ortraded vouchers money orders orstamps (not in a set or collection) -page 59

3 Excesses - Voluntary Excess -optional, to reduce premium,additional to standard excess,Special Excess - if shown inschedule, based on Insured'scircumstances/situation andinsurance history, additional to all

Emergency Grocery Cover - Limit$500 if the Building or Contents aredamaged as a result of an insuredevent and Insured is unable to gainaccess to their Building - page52/53

Medical Equipment and AidsExclusion - Policy excludes lossdamage or liability to any medicalequipment item or aid which isdesigned to be either wholly orpartially within the body eitherpermanently or temporarily - page

Breaking The Law Exclusion - Policyexcludes the Insured not obeyingany commonwealth state territoryor local government law includinglaws relating to (a) installing smokealarms (b) pool fencing (c) failing toinstall a balcony railing or

other excesses - page 18 76 balustrade when required (d)dangerous goods and liquids - page73

4 Walls Gates and Fences - Contentspolicy extends to cover walls gatesand fencing if Insured is legallyresponsible for them - page 42

Excesses - Voluntary Excess -optional, to reduce premium,additional to standard excess,Special Excess - if shown inschedule, based on Insured'scircumstances/situation andinsurance history, additional to allother excesses - page 17/18

Additional Cover for a Vacant Blockof Residential Land - Liabilityextends to include cover for avacant block of land that theInsured owns provided (a) it iszoned residential housing (b) it isno more than 20 acres and (c) it iswhere the Insured intends to buildtheir future home, Cover is limitedto 12 months from the time theInsured became the owner but willcease immediately if the Insuredsells the land or any building orrebuilding work commences - page69

Medical Equipment and AidsExclusion - Policy excludes lossdamage or liability to any medicalequipment item or aid which isdesigned to be either wholly orpartially within the body eitherpermanently or temporarily - page76

5 - Household Appliance Cover -Building - Oven Cooktop Range-hood and Dishwasher - Insurer willpay the reasonable costs of partslabour and service/call out feesrequired to replace or repair tonormal working order if theappliances suffer a mechanical orelectrical failure, Limited to thelesser of the original purchase priceof the appliance or the SI limit,Limited to $2,500 per incident intotal, includes Limit $200 fordelivery and installation, excludesany dishwasher more than 5 yearsold or oven cooktop or range hoodmore than 10 years old from dateof manufacture, further exclusionsapply - See policy wording for fulldetails or cover terms conditionsand exclusions as too detailed toinclude in this summary - page42/43

Damage from Physical Injury orIncident - Limit $15,000 for damageand/or soiling of Building andContents as a result of physicalassaults or death whether naturalsuicide or murder and forensic orpolice investigations into such,includes costs of specialist forensicand other cleaning services andremoval of bio-hazard materials,excludes damage or soiling whichare not the result of physicalassaults or death and odourremoval - page 51

Additional Cover for a Vacant Blockof Residential Land - Liabilityextends to include cover for avacant block of land that theInsured owns provided (a) it iszoned residential housing (b) it isno more than 20 acres and (c) it iswhere the Insured intends to buildtheir future home, Cover is limitedto 12 months from the time theInsured became the owner but willcease immediately if the Insuredsells the land or any building orrebuilding work commences - page69

6 - Household Appliance Cover -Contents - Refrigerator Freezer

Rebuilding to Another Site - Coverextends to rebuild at another site

Damage from Physical Injury orIncident - Limit $15,000 for damage

Washing Machine (includingwasher/dryer combinationmachines) - Insurer will pay thereasonable costs of parts labourand service/call out fees requiredto replace or repair to normalworking order if the appliancessuffer a mechanical or electricalfailure, Limited to the lesser of theoriginal purchase price of theappliance or the SI limit, Limited to$2,500 per incident in total,includes Limit $200 for delivery andinstallation, excludes any washingmachine more than 5 years old orrefrigerator or freezer more than 10years old from date of manufacture,further exclusions apply - Seepolicy wording for full details orcover terms conditions andexclusions as too detailed toinclude in this summary - page58/59

when Building is totally destroyed ifInsurer agrees and Insured paysany extra costs involved - page 93

and/or soiling of Building andContents as a result of physicalassaults or death whether naturalsuicide or murder and forensic orpolice investigations into such,includes costs of specialist forensicand other cleaning services andremoval of bio-hazard materials,excludes damage or soiling whichare not the result of physicalassaults or death and odourremoval - page 51

7 - Walls Gates and Fences - Contentspolicy extends to cover walls gatesand fencing if Insured is legallyresponsible for them - page 48

Safety Net Building Protection -Optional, Insurer will pay additional25% of Building SI if Building isdamaged by an insured event andthe cost of repairing or replacingexceeds SI, additional paymentreduces to 12.5% of Building SIshould the size of the Buildingincrease by more than 10% andInsured does not contact theInsurer to make the appropriateadjust to the SI - page 61

Rebuilding to Another Site - Coverextends to rebuild at another sitewhen Building is totally destroyed ifInsurer agrees and Insured paysany extra costs involved - page 93

8 - - - Safety Net Building Protection -Optional, Insurer will pay additional25% of Building SI if Building isdamaged by an insured event andthe cost of repairing or replacingexceeds SI, additional paymentreduces to 12.5% of Building SIshould the size of the Buildingincrease by more than 10% and

Insured does not contact theInsurer to make the appropriateadjust to the SI - page 61

9 - - - -

10 - - - -

11 - - - -

12 - - - -

13 - - - -

14 - - - -

15 - - - -

DisclaimerThe comparisons provided above have been prepared as a guide and they are not intended to be exhaustive. Comparisons are based on the Insurer’s standard policy. Actual terms and conditions may be subject to amendment by

negotiation or where the insurer applies endorsements to suit particular circumstances. While the utmost care has been taken in the preparation of the guide, it should not be used or relied upon as a substitute for detailed advice or

as a basis for making a business, financial or insurance decision. The product itself is only one criterion that should be considered when making a decision on what policy to accept. Other criteria are claims service, the financial

strength of the underwriter and price. A decision on any one criterion alone is certainly not recommended.