What we cover - the contents
The contents we cover
The contents we cover are items primarily used for domestic or residential purposes, and which are:
ordinarily kept at the site,
not permanently attached to your home, and
owned by you and your family or for which you are legally liable.
These are ‘general contents’ and ‘contents with limited cover’, as described on pages 8 - 12.
‘Contents with limited cover’ are items where we limit the amount we will pay for damage or loss. Items that are more valuable than the limits we apply may be able to be insured for their higher values. See pages 8 - 11.
Extra Cover at and away from your home is available for valuable, portable contents items such as clothing and jewellery. See pages 12 - 15.
When you are the tenant of a freehold property, your contents include any fixtures and fittings you are responsible for under the rental agreement and/or you own.
When you are the tenant or the owner-occupier of a strata-titled property, your contents include any fixtures and fittings you are responsible for under the rental agreement and/or you own and that are not insurable by the body corporate for the strata-titled development at your insured address.
Contents we do not cover
The contents we do not cover include:
hedges (whether or not they form a fence), lawns, trees, shrubs, indoor and outdoor plants, flowers, garden beds or any other living material, houseboats, watercraft (other than surfboards, sailboards, surf skis, canoes and kayaks), aircraft, caravans, trailers, mobile homes (fixed or free-standing), motor vehicles, motorcycles, minibikes, go-karts, golf carts, motorised vehicles of any other type (other than motorised wheelchairs) or the spare parts or accessories of any of these items,
fish, birds, pets or animals of any type,
stock in trade or samples, business or trade cash takings or business assets, plant or equipment for any type of business including any type of farming (other than ‘home business equipment’ and ‘tools of trade and professional equipment’ - see page 10),
unset precious and semi-precious stones,
unlicensed or unregistered firearms and firearms stored illegally at your home.
Where and how your contents are covered
| General contents - see page 8. |
At your home and at the site. |
Damage or loss caused by the insured events listed on pages 16 - 12. |
Contents with limited cover - see pages 8 - 12.
When you have items in this class that are more valuable than the limits we apply, you may be able to insure them for their higher values as specified contents. An additional premium may be payable.
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At your home and at the site. |
Damage or loss caused by the insured events listed on pages 16 - 21. |
Extra Cover for portable valuables - see pages 12 - 15.
An additional premium is payable.
When you have items in this class that are more valuable than the limits we apply, you may be able to insure them for their higher values as Extra Cover specified items. An additional premium is payable. |
Anywhere in Australia and for the first 30 days when you are overseas. |
Accidental damage or loss - see page 13. |
General contents
General contents are items such as furniture and furnishings; fixed wall and floor coverings such as carpets, curtains and internal blinds; household linen and bedding; clothing; kitchen utensils; electrical and electronic equipment and appliances not permanently attached to any building or the site; outdoor garden furniture and equipment; sporting equipment.
General contents do not include ‘contents with limited cover’. These are contents items where we limit the ‘per item’ and ‘in total’ amounts we will pay for damage or loss. See below.
Contents with limited cover
Contents with limited cover items are those where we limit what we will pay for any one claim. Increased cover may be available for items more valuable than the limits we apply. See ‘Increased cover may be available for valuable items’ on page 11.
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Limited cover unspecified items |
Limited cover specified items |
Cash, vouchers, certificates etc.
Cash, money orders, gift vouchers, tickets, stamps (not in
a set or collection), manuscripts, certificates of title, licences, registration papers, negotiable
instruments or documents of any kind. |
Up to $200 in total. |
Not available. |
Valuables, antiques, artwork, collections
Jewellery, watches, other items containing precious metals and gemstones, bullion.
Antiques (other than antique furniture).
Paintings, prints, pictures, tapestry, figurines, sculptures, curios, decorative items made of china, porcelain, crystal or like material.
Pair, set or collection of any kind (for example, bullion, cards, coins, crockery, cutlery, earrings, medals, stamps etc.). |
$5,000 in total; $1,000 for each item; $1,000 in total for each pair, set or collection. |
Up to each specified item’s insured value.
Additional cover is available for jewellery and watches by insuring them under Extra Cover. See page 12. |
CDs, DVDs and electronic files
CDs, DVDs and electronic files such as software, music, and moving images, the purchase of which included a licence for use in that format. |
$1,000 in total including those which form part of a set or collection. |
Up to each specified item’s insured value. |
Computer equipment
Computers, printers and associated accessories. |
$7,500 in total. |
Up to each specified item’s insured value. |
Home business equipment
Business furniture, electrical and electronic equipment ordinarily located in your home and used for office work. |
$10,000 in total. |
Not available. |
Personal medical equipment and aids
Wheelchairs, artificial body parts, medical equipment, aids and accessories. |
$3,000 in total. |
Up to each specified item’s insured value. |
Tools of trade and professional equipment
Tools of trade and professional equipment used to earn any income (whether or not used in your current or former occupation or profession).
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$2,000 in total. |
Not available. |
Contents temporarily removed from your home
Contents temporarily removed from your home but within a building within Australia in which you are temporarily residing are covered for damage or loss caused by an insured event.
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25% of the contents amounts covered. |
Not available. |
Damage or loss to a ‘contents with limited cover’ item which we agree falls into more than one of the groups shown above can be claimed only against the group with the higher amount covered.
We do not pay for:
the cost of installing, replacing, recreating or rewriting software, records, working files, entertainment files or any other information on your computer or held elsewhere at your home other than the current purchase cost of proprietary CDs, DVDs and electronic files as provided for above under ‘contents with limited cover’. See also ‘Replacing CDs and DVDs’ on page 26.
the cost of replacing, rewriting or recreating any information, records, manuscripts, plans, paper writings or any work that you had done in connection with your business or occupation,
damage or loss to home business and professional equipment while it is away from the site or which is not owned by you or for which you are not legally liable.
Increased cover may be available for more valuable items
When you have contents items in the above groups with replacement values higher than the limits we apply, you can tell us about them, and we may agree to insure them for their higher values as ‘limited cover specified items’ provided:
they are items and values we cover, and
you pay us any additional premium we may charge.
When we agree to insure them, your limited cover specified items will be shown together with their individual insured value on the most recent of your insurance schedule and renewal notice.
Damage or loss to a limited cover specified item can be claimed only against its specified item insured value unless we have agreed to also insure it under Extra Cover (see below).
Any payment we make for specified items will be included in the contents amount covered.
Extra Cover for portable valuables
We offer Extra Cover for the portable items listed below.
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Clothing
Personal clothing
Equipment for babies and young children
Baby capsules, prams, children’s car seats
Personal accessories
Watches, jewellery, spectacles, sunglasses,
binoculars, telescopes, opera glasses,
toiletries
Handbags, purses, wallets, briefcases,
travel bags, suitcases, but nottheir contents
Personal vision and sound equipment
Portable still and motion cameras and
photographic equipment, electronic music
and diary systems but not any of these that
are capable of being used as a telephone
Sporting equipment and musical instruments
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Up to $1,000 for each item, set or collection.
Up to an overall limit between $1,000 and $5,000.
You choose the overall limit. |
When you tell us about the items you want to specify and their value, and
we agree in writing to cover them, we will pay up to the individual item’s insured value.
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When you pay us the additional premium we charge, Extra Cover insures these items:
for accidental damage or loss not already covered by this policy,
when they are at and away from your home within Australia, and
overseas for the first 30 days on each occasion you leave Australia.
Extra Cover insures your items collectively in the groups shown above as unspecified items. You can also insure more valuable items individually as Extra Cover specified items.
Insuring your items collectively - Extra Cover unspecified items
When you insure your items under Extra Cover, the per item and overall limits, shown above, are the most we will pay if they are damaged or lost. You can choose the overall limit from the options we offer.
The most recent of your insurance schedule and renewal notice will show the overall limit you have chosen.
Insuring your items individually - Extra Cover specified items
When you have more valuable items, you can insure them for their higher values as Extra Cover specified items provided:
they are items and values we cover,
we agree in writing to cover them, and
you pay us the additional premium we charge.
When we agree to insure them, your Extra Cover specified items will be shown together with their individual insured value on the most recent of your insurance schedule and renewal notice.
Extra Cover claims
When your claim for damage or loss to any of the items you have insured under Extra Cover:
your claim will proceed first against any other cover this policy may provide,
if no cover is provided, or the cover provided is limited to an amount less than the value of your claim, your claim will also proceed against Extra Cover.
Where your claim proceeds against other cover and Extra Cover, our total payment will not exceed the replacement value of your lost or damaged items.
Any payment we make for Extra Cover claims will be included in the contents amount covered.
The Extra Cover excess shown on the most recent of your insurance schedule and renewal notice is only payable when your claim proceeds solely against your Extra Cover.
We do not pay for damage or loss to Extra Cover items when they belong to or are in the custody of anyone who is engaged in professional entertainment.