What do we mean by that?
AAMI, we, us, and our mean Australian Associated Motor Insurers Limited (ABN 9 004 791 744).
Accident means an accident or a series of accidents resulting from any one occurrence.
Amount covered is the most we will pay, less any excess, for any accidental loss and damage to your contents covered by your AAMI policy occurring during the period your contents are insured with us. The amount covered includes GST. The current amount covered is shown on the most recent of your insurance schedule and your renewal notice.
Building means the dwelling and other structures at the site used for domestic or residential purposes. It includes:
outbuildings and permanent structural improvements,
fixtures and fittings that:
are permanently attached to the building or the site,
are stored at the site in a building capable of being locked while awaiting installation.
that part of the building used for performing office work,
services, whether above or below ground, that are your property or for which you are liable,
any jetty at your site used only for domestic purposes.
It excludes:
fixed wall and floor coverings such as carpets, curtains and internal blinds,
any part of the home building or the site used for conducting a business, trade, professional services, or farming of any description,
any part of the building or other structures at the site that cannot be locked because that building or structure or part of it is being altered, renovated or rebuilt,
a temporary building or structure or a building or structure in the course of construction,
houseboats, watercraft, caravans, mobile buildings (fixed or free-standing), motorised vehicles of any type and the parts and accessories of any of these items,
the loose surfaces of tennis courts, driveways and paths,
hedges (whether or not they form a fence), lawns, trees, shrubs, plants, flowers, garden beds or any other living material.
Collection or set is a group of items of sufficiently common type, appearance or nature that:
they reasonably belong together, or
the group is devalued if one or more of the items is lost or damaged.
Contents. See pages 5 - 15 for the contents that are and are not covered under this policy.
Cover and covers mean the protection provided by your policy.
Damage and loss.
Damage means actual physical damage to your contents.
Loss or lost means your contents or a part of your contents being destroyed, stolen or damaged beyond economical repair.
Loss does not mean items being accidentally misplaced.
Endorsement means a special condition that applies to your policy. Any endorsements to your policy are shown on your insurance schedule.
Excess. An excess on your policy is the amount that you must first contribute towards each claim.
Fire means burning with flames.
Fixtures and fittings means items used for domestic and residential purposes, and which are permanently attached to your home building or the site.
Flood means the inundation or covering of normally dry land by water which:
escapes or overflows from, or
cannot enter (because it is full or has overflowed), or
is prevented from entering (because other water has already escaped or been released from it),
the normal confines of any watercourse or lake, including any that may have been modified by human intervention, or reservoir, canal, dam or stormwater channel.
Flood does not mean stormwater runoff from areas surrounding the site or water escaping from any water main, pipe, street gutter, guttering or surface.
Home means the buildings described above.
Insured address means the address at which your contents are located.
Insured event. The occurrences we have listed on pages 16 to 1 which cause damage or loss to your contents.
Living with you. Any person normally living or staying in your building or at the site.
Lot and unit mean an area which is used for domestic or residential purposes that is shown on the plan for the Strata Titles Act or similar legislation applying where the lot or unit is located.
Plan means the plan of subdivision describing the area of land at the insured address created under the Strata Titles Act, Subdivision Act or similar legislation applying where the lot is located.
Occupied means you are living or staying in your home or another person is with your consent.
Period of cover means the current period for which we have agreed to provide you with insurance cover. The current period is shown on the most recent of your insurance schedule and renewal notice and any receipt we may send to you.
Policy means this booklet and your policy schedule.
Your policy schedule comprises the notices we give you which show the particular details and the current status of your policy. These notices are the most recent of your insurance schedule and renewal notice, and any receipt we may send you.
Your insurance schedule sets out the information you have given us on which we have based our decision to insure you as well as the individual details of your policy. We will send you an updated insurance schedule whenever you advise us of a change in this information or these details.
Rental agreement means the agreement between you and your landlord or your landlord’s agent which sets out the terms and conditions of the tenancy.
Site means those parts of the land at the insured address which are used for domestic or residential purposes but not ‘common property’ which is land or areas that people as well as those living with you are entitled to use, for example common property in a multi-dwelling development.
Storm means violent wind (including a cyclone or tornado), thunderstorm or a heavy fall of rain, snow or hail.
Tenant means all the persons named in the rental agreement and their family provided that they are normally living at the insured address.
Theft means actual or attempted theft and burglary.
You and your mean the person or persons named as the insured on the most recent of your insurance schedule and renewal notice and members of your family.
Your family means the following people who normally live with you:
your spouse or partner,
your children, parents, grandparents, grandchildren, brothers and sisters,
the children, parents, grandparents, grandchildren, brothers and sisters of your spouse or partner.