Home
Contents
Landlord
Specified items
Optional Extras
100
What Insured events does Suncorp Home Insurance Cover?
Flood, storm, storm surge, lightening, fire (inluding bushfire), Earthquake, Tsunami, Theft or burglary, Escape of Liquids, Impact, damage by animal, explosion, Riot, civil commotion, or public disturbance, Malicious acts and vandalism
100
What area in QLD is under a permanent Embargo? What KM would you look for?
KM1004733 or KM1060751
Emerald QLD
100
is it acceptable to cover a property with a granny flat as Landlord Insurance? how would you find this information?
KM1130500
Accept provided the granny flat is rented to the same tenant who rents the building
100
What is a Specified Item VS Specifed Contents?
Specified Item is an item with cover inside and outside the home, where the Specified contents is a specific item covered for specific value at home.
100
What is Safety Net
safety net can provide UP TO 25% towards a home rebuild
200
How much Legal Liability is Included in home policies?
20 million
200
Can you explain 'Contents with Flexible Limits'? Where would you find this information?
Product Disclosure statement (PDS) from Page 24 - Items that have certain levels of cover within the inlcuded contents amount
200
is it accepted for a customer to have a landlord policy where the occupier is Family?
Accept - Family occupancey will be accepted
(tenants with no agreement decline)
200
Can you explain an Unspecified item?
a non specific item that can be covered outside the home up to the Value of $1000
200
What Glass does the Excess Free Window Glass Cover? SUN/GIO
fixed glass in windows, doors, skylights, shower screens • mirrors fixed to the home • other fixed glass (including glass tint if fitted).
300
Can you name the Additional cover that will cover you to stay somewhere else while your home is being repaired?
Temporary accommodation when you have home cover
300
What is the Contents Sum insured DUA limit? what happens if you go over the limit? what would you search to find the guidelines?(Sun and GIO)
KM1006923, KM1027702, KM1027217 Security and fire protection for contents values underwriting guideline, Sum Insured DUA Sun and GIO
300
What is covered differently on a Landlord policy to a Home Policy? Where would you find this information?
PDS - Loss of Rent, Legal Costs, Malicious acts and vandalism by tenants or their guests
300
What is Portable Advantages? Where would you find the information?
Suncorp covers the value of the contents sum insured outside of the home.
300
Explain Accidental Damage at home?
clumsy cover, accident cover, minor breaks and damages and loss
400
What question do you need to ask if the home is older then 80 years? is this question Verbatim?
'Insured confirmed the home has been rewired in the past 20 years'
or
'Insured confirmed the home has had a safety switch fitted'
400
Can we insure contents in a Storage Unit or facility? and would you need to read any scripting
Decline - Decline scripting
400
If the property is used for Short term holiday rental Including Air bnb and stayz, what is not included in the cover? where do you find the information? (SUN)BONUS Is GIO different?
loss or damage, legal costs, loss of rent or income
pds page 43
gio yes
400
What does Platinum Contents include? where do you find this information?
PDS page 55
We’ll cover: • your contents for accidental loss or damage anywhere in Australia or New Zealand during the period of insurance when they’re temporarily removed from the insured address for up to 180 consecutive days • any jewellery and watches for accidental loss or damage during the period of insurance when they’re outside Australia and New Zealand for up to 100 consecutive days. However, only when these items are either: - being worn by you - secured in a safe
400
What does the cover for injury to pet dogs and cats include?
If your pet dog or cat is injured in an accident during the period of insurance, then we’ll pay for necessary veterinary treatment
500
If the customer has two properties on the one block, he is looking to insure both buildings, no strata, he lives in one and he rents the other one out - Which KM would we find the information and would it be acceptable or not?
Multiple homes at the same insured address
Multiple homes at the same address that are not registered or required to be registered or insured under a body corporate or owners corporation, strata title, group, or community title
Building
Decline
500
Can we cover contents in a shed or shipping container used as a residence? and is there any UWG
KM1130501
Contents
Condition 3.1h
Accept home cover if the property is:
- occupied by the insured
- approved by council or the relevant qualified authority to be a residential dwelling
- connected to electricity, sewerage, and water, and
- on permanent foundations.
500
Can we cover a duplex and how do we correctly quote, if each side will be rented to seperate tenancies?
If not required to be under body corporate, strata title, group or community title
If the entire building is owned by the same customer and has separate addresses for each home/unit ie, number 1a Smith street and number 1b Smith street there would need to be two separate policies to price it correctly.
500
what items does portable valuables cover?
jewellery and watches • handbags and wallets • mobile phones, laptops, electronic tablets (for example, iPads) • portable electronic and electrical items and their accessories • sporting, recreational and leisure goods when not in use (however, not an e-bicycle, see ‘personal transportation vehicles’). However, we’ll cover bicycles while in use provided they’re not being used for racing or pace-making • photographic and optical equipment • a wheelchair, mobility scooter, or similar medical aids designed to assist with physical disabilities or the elderly. • drones while not in use . There is no cover for drones while in use • personal transportation vehicles • a motorised golf cart with 4 wheels.
500
What is Home Assist?
Call out service for emergencies for electrician, carpenters, lock smith and plumbers