Contents Premier / Restricted Insurance
CONTENTS PREMIER
Cover
Any accidental damage to your contents unless specifically excluded
Full replacement cover on most items except those listed which are indemnity value only
Full earthquake and natural disaster cover
Excess:
Lowest excess option of $250
Optional higher excesses available for a discounted premium
One excess if claim on more than one policy from a single event
If portable electronic equipment is stolen or lost from your motor vehicle an additional excess of $150 applies
If you have been provided the alarm discount but the alarm is not set in the even of a burglary, an additional excess of $250 applies
Extensions:
Alternative accommodation up to 12 months. 12 months up to $30,000 if you occupy the home / 1 month up to $5,000 if you are a tenant
Legal liability cover of $2,000,000
Stolen credit card cover up to $1,000
Property used for trade or business use up to $2,000
Overseas travel cover up to $5,000
Extended cover to your children living in accommodation provided by a tertiary educational institution up to $5,000 per child
Exclusions:
Your excess
Defect in design or inherent fault
Wear and tear
Insects or Vermin (except opossums)
Poor or defective workmanship
Burglary, theft or malicious damage committed by anybody renting, living, or staying in the home
War, invasion etc confiscation by local authority
Mechanically propelled vehicles
Vehicle accessories and keys
CONTENTS RESTRICTED
Cover:
Defined events only as per the policy wording
Indemnity (depreciated) value cover on all items except for furniture, furnishings and home appliances up to 10 years of age
Full earthquake and natural disaster cover
Excess:
Lowest excess option of $250
Optional higher excesses available for a discounted premium
One excess if claim on more than one policy from a single event
If portable electronic equipment is stolen or lost from your motor vehicle, an additional excess of $150 applies
If you have been provided the alarm discount but the alarm is not set in the event of a burglary, an additional excess of $250 applies
Extensions:
Alternative accommodation up to 12 months, 12 months up to $30,000 if you occupy the home / 1 month up to $5,000 if you are a tenant
Legal liability cover of $2,000,000
Stolen credit card cover up to $1,000
Property used for trade or business use up to $2,000
Overseas travel cover up to $5,000
Accidental damage and cover away from home
Exclusions:
Your excess
Defect in design or inherent fault
Wear and tear
Insects or vermin (except opossums)
Poor or defective workmanship
Burglary, theft or malicious damage committed by anybody renting, living, or staying in the home
War, invasion etc confiscating by local authority
Mechanically propelled vehicles
Vehicle accessories and keys