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Customer satisfaction
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Description
Insurer
QBE
Policy
Home
Provider
QBE Insurance (Australia) Limited
About the insurer
QBE
Cover summary
Building cover
u0026#149; Nominate a sum insured for your buildingu003cbru003eu0026#149; 30% underinsurance safety net
Contents cover
Nominate a sum insured for your contents
Legal liability
u0026#149; Up to $30 millionu003cbru003eu0026#149; Cover for people named on the policy, plus their family members living with themu003cbru003eu0026#149; Cover for incidents worldwide
Cost
Same price to pay monthly
ACT price comparison
$$$
NSW price comparison
$$$
NT price comparison
$
North Queensland price comparison
$
South Queensland price comparison
$$$
SA price comparison
$
Tasmania price comparison
$
Victoria price comparison
$
WA price comparison
$$
Covered events
Theft
u0026#149; Covers theft, attempted theft, burglary and attempted burglaryu003cbru003eu0026#149; No cover for theft by the insured or their family; someone with the consent of the insured or their family or someone at site with consent of the insured, their family or or their agentu003cbru003eu0026#149; Accidental damage option covers cash, coupons, vouchers, gift cards, money orders and negotiable financial documents for burglary when there is forcible entry into the home involving actual or threatened violence to a person or or that causes damage to the buildingsu003cbru003eu0026#149; After burglary with forced entry, up to $500 for additional security measuresu003cbru003eu0026#149; After burglary or attempted burglary, up to $1250 for security firm attendance
Fire
u0026#149; Covers fire; bushfire; smoke, ash or soot; and charring, melting or scorchingu003cbru003eu0026#149; Accidental damage option covers charring, melting or scorching caused by heat from an item in ordinary useu003cbru003eu0026#149; Up to $500 for emergency services attendance
Flood
u0026#149; Coveredu003cbru003eu0026#149; Accidental damage option covers power surge and interruption to power supplyu003cbru003eu0026#149; Covers landslide and subsidence but must occur within 72 hours of floodu003cbru003eu0026#149; No cover for damage to retaining walls; or swimming pool/spa covers, solar covers or plastic linersu003cbru003eu0026#149; No cover for damage caused by hydrostatic pressure to swimming pools or spasu003cbru003eu0026#149; Up to $8000 for contents in the open airu003cbru003eu0026#149; Damage to gates and fences not covered if in poor/damaged condition or installed/constructed incorrectly, and you knew or reasonably should have knownu003cbru003eu0026#149; Damage to external paintwork or treated surfaces/finishes not covered if this is the only flood damage
Storm and cyclone
u0026#149; Covers storm, rain and hailu003cbru003eu0026#149; Accidental damage option covers power surge and interruption to power supplyu003cbru003eu0026#149; Covers landslide and subsidence but must occur within 72 hours of storm, rain or hailu003cbru003eu0026#149; No cover for damage to retaining walls; or swimming pool/spa covers, solar covers or plastic linersu003cbru003eu0026#149; No cover for damage caused by hydrostatic pressure to swimming pools or spasu003cbru003eu0026#149; Up to $8000 for contents in the open airu003cbru003eu0026#149; Damage to gates and fences not covered if in poor/damaged condition or installed/constructed incorrectly, and you knew or reasonably should have knownu003cbru003eu0026#149; Damage to external paintwork or treated surfaces/finishes not covered if this is the only flood damage
Storm surge
u0026#149; Coveredu003cbru003eu0026#149; Accidental damage option covers power surge and interruption to power supplyu003cbru003eu0026#149; Covers landslide and subsidence but must occur within 72 hours of storm surgeu003cbru003eu0026#149; No cover for damage to retaining walls; or swimming pool/spa covers, solar covers or plastic linersu003cbru003eu0026#149; No cover for damage caused by hydrostatic pressure to swimming pools or spasu003cbru003eu0026#149; Up to $8000 for contents in the open airu003cbru003eu0026#149; Damage to gates and fences not covered if in poor/damaged condition or installed/constructed incorrectly, and you knew or reasonably should have knownu003cbru003eu0026#149; Damage to external paintwork or treated surfaces/finishes not covered if this is the only flood damage
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
u0026#149; Covers damage caused by falling trees or branchesu003cbru003eu0026#149; Covers damage caused by trains, vehicles, trailers, caravans, watercraft or hovercraftu003cbru003eu0026#149; Covers damage caused by television, radio or satellite aerials (including masts and fittings)u003cbru003eu0026#149; Covers damage caused by aircraft, spacecraft, satellites or space debrisu003cbru003eu0026#149; Covers damage caused by any part of, or anything carried by, the items listed aboveu003cbru003eu0026#149; Covers costs to remove fallen trees or branches that cause the damageu003cbru003eu0026#149; Covers costs to fell and prune or remove trees and parts of trees that cause the damage, if recommended by a qualified professional due to the risk of further impending damageu003cbru003eu0026#149; Covers costs to treat stumps to prevent further growthu003cbru003eu0026#149; No cover for damage caused by tree lopping, pruning or felling done by you or with your consentu003cbru003eu0026#149; No cover for damage caused by wheels, tyres or weight of a vehicle fixtures such as paths, driveways, bridges, culverts, or underground pipes, cables or utilitiesu003cbru003eu0026#149; Does not cover costs to remove stumpsu003cbru003eu0026#149; Does not cover radio, satellite or television aerials or fittings or masts that cause the damage
Animal damage
u0026#149; Covers damage caused by animals/birds accidentally trapped inside living areau003cbru003eu0026#149; Covers damage caused by animals/birds colliding with propertyu003cbru003eu0026#149; Covers fire and escape of liquid caused by insects, rodents or verminu003cbru003eu0026#149; No cover for damage caused by your pets or animals at property with permissionu003cbru003eu0026#149; No cover for damage to enclosed crawl space, outside of buildings, roof cavity or contents in the open air caused by chewing, clawing, eating, fouling, pecking, scratching, soiling or polluting in any way
Escape of liquid
Breakage
Accidental damage
u0026#149; Optionalu003cbru003eu0026#149; Covers accidental loss and damage to home and contentsu003cbru003eu0026#149; Covers damage caused by power surgeu003cbru003eu0026#149; Covers charring, melting or scorching caused by heat generated from items in the ordinary course of their use and smoking itemsu003cbru003eu0026#149; Covers accidental loss where you have taken reasonable steps to find or recover lost contentsu003cbru003eu0026#149; Covers accidental breakage of crockery, glassware and glass vases and ornamentsu003cbru003eu0026#149; Covers accidental breakage of glass components of items worn or carried by handu003cbru003eu0026#149; Covers accidental breakage of glass forming part of clocks, pictures, televisions, radios or computer monitorsu003cbru003eu0026#149; Covers contents in the open airu003cbru003eu0026#149; Covers theft and burglary of cash, vouchers, coupons, gift cards, money orders and negotiable financial documents when there is forcible entry involving actual or threatened violence to a person, or that causes damage to the buildingsu003cbru003eu0026#149; Covers theft and burglary of unattended unattended jewellery in the open air or in an unlocked vehicle, caravan or trailer in the open air at your propertyu003cbru003eu0026#149; Covers theft and burglary of watches, mobile phones and portable portable electronic itemsu003cbru003eu0026#149; No cover for bicycles, drones, personal mobility devices, watercraft, power driven items or sporting equipment while being usedu003cbru003eu0026#149; No cover for items used by you or your family for earning any income, while being usedu003cbru003eu0026#149; No cover for model aircraft
Claims
Out-of-hours claiming
Online and 24/7 phone
How the insurer can settle your claim
u0026#149; Repair damaged propertyu003cbru003eu0026#149; Replace damaged propertyu003cbru003eu0026#149; Pay you the property's replacement value, up to your sum insured or other sublimits
Cash settlement for building claims
Customer cost
Cash settlement for contents claims
Customer cost
New for old contents replacement
1
Building
Motor burnout
Motors up to 10 years
Keys and locks after break-in
Up to $2500 overall
Gardens and landscaping
Costs to comply with building regulations
Reasonable cost
Professional fees
Reasonable cost
Mortgage discharge fees
u0026#149; Up to $2000 overallu003cbru003eu0026#149; Paid on top of sum insured
Debris removal and demolition
u0026#149; Reasonable costu003cbru003eu0026#149; Building only
Temporary accommodation
u0026#149; Up to 24 months or 20% building sum insuredu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Covers temporary, alternative accommodation for your family and pets; relocation costs; additional expenses; mail redirection; and utility connection feesu003cbru003eu0026#149; Available after a claim for building damage
Contents
Cover for unspecified portable contents
u0026#149; Covers some items for theft and accidental loss/damageu003cbru003eu0026#149; Nominate a limit per item group, $10000 for bicycles and personal mobility devices, collections, medical and health items, mobile phones, portable electronic devices, and recreational/hobby items and clothingu003cbru003eu0026#149;Nominate a limit per item group, $15000 for jewellery and watchesu003cbru003eu0026#149; Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the worldu003cbru003eu0026#149; Contents excess appliesu003cbru003eu0026#149; Optional
Optional cover for individual portable valuables
u0026#149; Cover for theft and accidental loss/damageu003cbru003eu0026#149; Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the worldu003cbru003eu0026#149; Contents excess applies
Contents in the open air
u0026#149; Up to sum insured overallu003cbru003eu0026#149; No sublimits for above ground pools, barbecues or outdoor furnitureu003cbru003eu0026#149; No cover for animal damageu003cbru003eu0026#149; Up to $8000 for burglary, flood, hail, rain, storm, storm surge and theft
Emergency storage
u0026#149; Up to 24 months or 20% contents sum insuredu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Covers moving contents into storage and storage costs
Jewellery
Up to $2500 per item, set or pair
Artworks
Up to $20000 per item, set or pair
Collections (e.g. stamps, coins)
Up to $5000 per collection
Digital media
Up to $1000 overall
Spoiled food
u0026#149; Up to $500 overallu003cbru003eu0026#149; Cover for unit failure and failure of electricity supply
Visitors' contents
Pet cover
Overlapping cover at a new house
Up to 60 days cover at both addresses
Cover for contents while moving house
u0026#149; Up to contents sum insured overallu003cbru003eu0026#149; Cover for collision, flooding or overturning of removal vehicle; fire and theft with forcible entry
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