What we cover – your $10 million legal liability cover
If you rent or lease your home or if your home is a strata-titled property, your legal liability cover applies to accidents which happen anywhere in Australia
including at your home or site.
If you are the owner of your home, the cover only applies to accidents which happen in Australia and outside the boundaries of your site.
When we will pay
We will cover you against your legal liability for claims arising from an accident or a series of accidents arising from any one occurrence during the period of cover, causing:
bodily injury or death to a person, other than you or your family or any person living with you, or
loss of or damage to property, other than property which you or your family or any person living with you own or for which you or they are legally liable.
Our payment will not exceed $10 million in total (including all legal and defence costs and GST).
When we will not pay
We do not cover your legal liability arising from, or in connection with, or involving:
any of the causes listed under ‘What we do not cover’,
your occupancy or ownership of any residence, building or land other than your home and the site,
a legal liability which arises only because you have agreed to take that liability upon yourself,
a liability which arises only because you have admitted liability,
an event that you have organised or are legally responsible for except where you rent or lease your home, or your home is a strata-titled property, and the event takes place within the site,
things done intentionally or left undone intentionally by you, or any person acting on your behalf, with reckless disregard for the consequences,
lifts, cars, motorbikes, minibikes, vehicles, watercraft (including sail boats), aircraft (including gliders) or facilities for the landing or harbouring of any craft. Vehicles do not include bicycles,
motorised wheelchairs, golf carts or garden appliances which do not have to be registered,
an animal other than a domestic dog or cat,
vibration, or the removal of, or interference with the support of land, buildings or other property,
alterations, additions, repairs or re-decorations of your home or the site where the total value of the works exceeds $20,000,
the transmission of any disease, contaminated body fluid or body product,
the consumption of alcohol or drugs, if your consumption of them caused or contributed to the accident,
employees or workers who are covered or should have been covered by Workers’ Compensation or similar legislation and who, at the time of the accident, were employed by you or anyone normally living with you,
the use of any part of your home or the site for business, trade, professional services, farming of any type,
any business, trade, profession or occupation conducted or operated or undertaken by you or on your behalf, or on behalf of anyone normally living with you, or on behalf of any company,
trust or other legal entity in which you or anyone normally living with you has an interest (legal, beneficial or otherwise),
civil or criminal penalties or fines or aggravated, exemplary, punitive or multiple damages however described.