AAMI Fire and Theft Insurance Policy
Fire and Theft Insurance for your home contents
Fire and Theft insurance for your home contents
AAMI Fire and Theft Contents Insurance covers your contents:
up to $25,000 (new for old), against fire and theft while they are within your home.
This policy also provides legal liability cover. See page 17.
Please read the policy wording carefully for full details.
Important
If the replacement value of your contents is higher than the $25,000 maximum cover provided under this policy, or you want wider cover for them, you should consider insuring them under the AAMI Home Contents Policy.
See 'Cover your contents for their current replacement cost' on page 24.
Where to Find
Important Information
Your AAMI Product Disclosure Statement
The AAMI Fire and Theft Home Contents Insurance Policy
This Product Disclosure Statement provides information about the product we offer:the AAMI Fire and Theft Contents Insurance Policy. When we agree to insure your contents, your policy comprises this booklet and your policy schedule which shows the detail of the policy particular to you. See page 32.
This Product Disclosure Statement was completed on 28 February 2006.
Our commitment to you
When you are an AAMI policyholder and you need to claim on your policy, our claims service will take away the stress and hassle. We are here to help you 24 hours a day, every day of the year.
If your contents have been damaged or lost by fire or theft, or someone is claiming against you, please phone us immediately on 13 22 44.
Please read this booklet carefully and retain it so you can refer to it if required.
We rely on the accuracy of your information
When we agree to insure you, to renew or vary your policy, or to pay your claim, our decision relies on the accuracy of the information you give us. If that information is not accurate, we can reduce or deny any claim you may make and/or cancel your policy.
We never want to have to do that, so you must answer honestly, correctly and completely, the questions we ask about:
you,
your content,
any events involving your contents that result in a claim on your AAMI policy.
When you receive your renewal notice, please carefully check the information it shows about you. If any of that information is incorrect or incomplete, please call us and we will update our records.
We also require you to...
observe the conditions contained in your AAMI policy,
pay or agree to pay us the premium we charge and any excesses that apply.
Some words in this policy have definite meanings
This policy uses words that have definite meanings. To make sure you are aware of these words and their meanings, please read 'What do we mean by that'. On pages 30-32.
This policy does not cover some events, circumstances and situations
As you read through this policy, you will see there are events, circumstances and situations it does not cover. To make sure you are aware of these exclusions, please read the whole policy carefully including the section 'What we do not cover - general exclusions' beginning on page 12.
See also 'Important general information for you' on pages 24-29.