Sum insured policy. Provided by Allianz. Available in ACT, NSW, Qld, SA, Tas, Vic & WA
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Description
Cover summary
- Up to $20 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents worldwide
Cost
Covered events
- Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
- Covers theft by tenants who rent a separate dwelling at the address
- Covers contents in a locked storage cage in the basement of a strata title development
- Up to $500 for security firm attendance fees
- No cover for theft by you or residents
- No cover for theft by people acting with your express or implied consent
- No cover for theft by people employed at the home
- No cover for theft by people you or a resident invite into home
- Does not cover contents in common areas of multiple occupancy residences
- Covers fire and bushfire
- Also covers damage caused by smoke
- Accidental damage option adds cover for scorching and/or melting
- No cover for scorching and/or melting not the direct result of fire
- No cover for damage arising gradually out of repeated exposure to fire or smoke
- No cover for items designed to be exposed to heat during normal use
- 72 hour waiting period for bushfire and grassfire
Claims
- Repair damaged items
- Replace damaged items
- Pay you the item's replacement value, up to your sum insured or other sublimits
- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- Insurer may offer non-cash alternatives
Contents
- Covers some items for theft and accidental loss/damage
- Choose overall limit from $1000–$7500
- Choose limit from $500–$2000 per item
- Covered anywhere in Australia, and for up to 120 days in rest of the world
- $100 excess
- Optional
- Cover for theft and accidental loss/damage
- Covered anywhere in Australia, and for up to 120 days in rest of the world
- $100 excess
- Up to $2000 overall
- Covers contents intended to be kept outside
- Up to 12 months or 10% sum insured
- Paid on top of sum insured
- Covers temporary accommodation, mail forwarding, additional gas/electricity costs and rental bonds
- Covers additional rent above what you already pay
- Up to $500 for pet boarding
- Up to 10% sum insured overall
- Paid on top of sum insured
- Up to 12 months
- Covers moving/storing undamaged contents
- Motors up to 10 years
- Optional
- Up to $7500 overall
- Up to $2500 per item, set or collection
- Up to $7500 overall
- Up to $2500 per item, set or collection
- Up to $7500 overall
- Up to $2500 per item, set or collection
- Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
- Up to $500 for natural disaster
- Up to $500 overall
- Cover for road accident injury
- Up to contents sum insured overall
- Included in optional accidental damage cover
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