Car
how many days is the cooling of period
14 days
True or False
A collection of art work would be a specified content
true
true or false
the replacement value of your buildings is not the same as market value
true
We pay for your rental costs after an insured event where the home isn't livable for your tenants.
for up to how many days/months will we pay your rent?
up to 12 months
True or false
It costs extra to pay your premium monthly instead of annually
false
how much will we pay for emergency repairs when you have an accident to allow you to drive home after a covered accident.
$500 of any one incident
How many days will we cover your portable contents outside of Australia
Up to 120 days
The granny flat i collect rental income on my property is covered under my building insurance?
No, if rented out and you recieve money or reward. it isnt covered.
To be eligible for the new for old replacement on your caravan, how old does the caravan have to be from the time it was registered?
2 years or less
true or false
the excess for portable contents is per item not per claim
false
if your tools were stolen out of your car where the doors were locked. What is the maximum we will pay to replace your tools
$3000 for One incident
what is the excess for a portable contents claim
$100
which events does the 72-hour exclusion period apply for?
Cyclone, flood, grassfires and bushfires
You are camping and you lock your bikes in the annexe to go for a swim.
when you return you see that the locked up bikes have been taken. Are you covered for this theft?
No, any contents stolen from your annexe or awnings are not covered. They have to be locked inside the caravan
Is hearing aids a listed or unlisted portable content?
Listed
What is the main reason someone will choose agreed value instead of market value?
if there is any modifications or accessories that have been added.
what are the two set limits for general contents
$2500 per item
$7500 for a set or collection
If you had an earthquake/tsunami which caused a landslide to occur a day after this event, will you be covered?
yes
If it is caused directly by the earthquake and occurs within 72 hours of the earthquake happening
A big thunder storm hits and a big branch from a tree has fallen and smashed a window.
Will you be covered for this?
Yes as it is an insured event
what are the optional covers you can choose for home and contents?
accidental damage, flood cover, motor burn out
If a named driver under 25 has an accident in your car what is the excess you will have to pay?
what is the excess for an unlisted driver under 25?
listed- $600
unlisted- $1800
you were walking in the street and smashed your phone screen. You have portable contents. Will we cover you for your smashed phone screen?
no you are not covered for a cracked/smashed screen.
When your home is getting rebuilt after an insured event, we help pay the costs of builders ect.
up to how much will we pay to cover these costs?
Is there any excess if so how much?
up to $5000
Nill excess
If my outside table and chairs get damage or lost in an insured event. (That i own and tenants use). how much is covered and what is the excess
Maximum amount of $1000 and no excess applies
what is the maximum we will pay to replace your child seat/ baby capsules in a covered accident?
maximum $500 of any one incident