Sum insured policy. Provided by Hollard. 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 in Australia
Cost
Covered events
- Covered
- Up to $500 for cost of replacing locks, after theft where key to external door is stolen
- No cover for theft by residents
- No cover for theft by people at the site with consent of you or a resident
- No cover for theft from homes not sufficiently furnished for normal living purposes
- No cover where building security has been compromised due works being carried out
- No cover for theft or attempted theft out of or in connection with any business, profession or occupation
- Does not cover theft of cash; credit, debit, credit or debit cards; negotiable or negotiable instruments; or travel or other tickets from the open air
- Does not cover theft of cash, credit or debit cards or negotiable or negotiable instruments including coupons or gift cards from the open air
- Does not cover theft of pagers, computers, mobile phones or photographic equipment or any accessories from the open air
- Does not cover theft of tools of trade, instruments or equipment from the open air
- Covers fire and bushfire
- Also covers damage caused by any process involving the application of heat where there is no flame
- No cover for the ignition of mineral spirits or dangerously flammable substances brought on to or kept at the site in quantities which are in breach of statutory regulations
- No cover for heat-resistant items (if they ignite)
- 72 hour waiting period for bushfire
- Covered
- Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood or rainwater
- Covers external shade cloths and sails (must be professionally installed) up to five years old
- No cover for cracking of paths, driveways or any outdoor surfaces
- No cover for damage caused by water entering home due to due to building alterations, renovations or additions
- No cover for damage caused by water that has seeped or percolated into building
- No cover for lawns, artificial grass, sporting surfaces or courts
- No cover for loose surfaces of paths and driveways
- No cover for retaining or freestanding outdoor walls
- No cover for fences or gates that are not structurally sound or well maintained
- No cover for plants or trees
- No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
- No cover for cost of replacing water in swimming pools or spas
- No cover for cost of cleaning or removing mud or debris in swimming pools or spas
- Damage to external paintwork not covered if this is the only damage to that part of the home
- Flood excess: greater of $500 or your basic excess
- 72 hour waiting period
- Covers damage caused by storm and rainwater
- Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
- Covers external shade cloths and sails (must be professionally installed) up to five years old
- No cover for damage caused by gradual deterioration due to rainwater
- No cover for cracking of paths, driveways or any outdoor surfaces
- No cover for damage caused by water entering home due to due to building alterations, renovations or additions
- No cover for damage caused by water that has seeped or percolated into building
- No cover for lawns, artificial grass, sporting surfaces or courts
- No cover for loose surfaces of paths and driveways
- No cover for retaining or freestanding outdoor walls
- No cover for fences or gates that are not structurally sound or well maintained
- No cover for plants or trees
- No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
- No cover for cost of replacing water in swimming pools or spas
- No cover for cost of cleaning or removing mud or debris in swimming pools or spas
- Damage to external paintwork not covered if that is the only damage to that part of the building
- 72 hour waiting period for rainwater and storm
- Covered by default
- Covers accidental loss and damage to home and contents
- No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doors
- No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the pool
- No cover for chipping, denting or scratching caused by normal use
Claims
- Repair damaged property
- Replace damaged property
- Pay you the property'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)
Building
- Motors up to 10 years or $2000 overall
- Optional
- Up to $1500 overall
- Cover for fire, theft, vehicle damage and malicious damage
- Up to $15000 overall
- Paid on top of sum insured
- Limit combined with debris removal and professional fees
- Up to $15000 overall
- Paid on top of sum insured
- Limit combined with building regulations and debris removal
- Up to $2000 overall
- Paid on top of sum insured
- Up to $15000 overall
- Paid on top of sum insured
- Limit combined with building regulations and professional fees
- Up to 12 months or 10% building sum insured
- Paid on top of sum insured
- Covers temporary accommodation for your family
- Up to $500 for temporary accommodation for cats/dogs
Contents
- Covers some items for accidental loss/damage
- No cover for disappearance when cause cannot be established
- Choose overall limit from $2500–$5000
- Up to $1000 per item
- Covered anywhere in Australia
- $100 excess
- Optional
- Cover for accidental loss/damage
- No cover for disappearance when cause cannot be established
- Covered anywhere in Australia
- $100 excess
- Up to $8000 overall
- Up to $2000 per item
- No item sublimit for barbecues or garden furniture
- Reasonable cost
- Paid on top of sum insured
- Covers moving/storing contents
- Up to $5000 overall
- Up to $1000 per item or collection
- Up to $5000 overall
- Up to $1000 per item or collection
- Limit combined with collections
- Up to $5000 overall
- Up to $1000 per item or collection
- Limit combined with artworks
- Up to $5000 overall
- Up to $1000 per item or collection
- Up to $1000 overall
- Cover for failure of public electricity supply
- Optional cover for motor burnout
- Up to 20% contents sum insured overall
- Cover for fire; accident involving removal vehicle and collision, overturning or theft of removal vehicle
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