What we cover - your $10 million legal liability cover
When we will pay
We will cover your legal liability arising from accidents that happen at the site.
We will cover you against your legal liability for all 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 a member of your family or any person living at your building or the site, or
damage to or loss of property, other than property which you or your family or any person living at your building or the site own or for which you or they are legally liable.
Where your home is a lot or unit which is part of a strata-titled development, and:
there is no other lot or unit above or below your lot or unit,
you do not have any other liability insurance for your lot or unit, and
we have agreed to provide building insurance for your lot or unit,
We will also cover your legal liability arising from accidents that happen on the common property that is shown on the plan and is used for domestic or residential purposes.
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 provide cover for your legal liability arising from or involving:
any of the causes listed under 'What we do not cover' on this page
your occupancy or ownership of any residence, building or land other than your home building 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 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) or aircraft (including gliders),
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, rebuilding or redecorations of your building 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 any person living at your home,
the use of any part of your building or the site for business, trade, professional services, farming of any type, but not:
that part of the building used for performing office work,
any business, trade, profession or occupation conducted or operated or undertaken:
by you or on your behalf,
by or on behalf of any person living at your home,
by or on behalf of any company, trust or other legal entity in which you or any person living at your home has an interest (legal, beneficial or otherwise),
Civil or criminal penalties or fines or aggravated, exemplary, punitive or multiple damages however described.