AAMI Home Contents Insurance Policy

What we cover - your $10 million legal liability cover

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.

If you rent or lease your home or if your home is a strata titled property, then the cover applies to accidents which happen anywhere in Australia including at your home or the site.

When we will pay

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 your family or any person living with you, or

damage to or loss of 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 provide cover for your legal liability arising from, or in connection with, or involving:

any of the causes listed under ‘What we do not cover’ on pages 22 - 23,

your occupancy or ownership of any residence, building, structure or land including your home building and the site unless

you rent or lease your home, or

your home is a strata-titled property, and

the legal liability arises from or involves the home or site at which you reside,

an event that you have organised or are legally responsible for, except where

you are the tenant of your home, or

your home is a strata-titled property, and

the event takes place within 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,

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, 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 or redecorations of your building or the site where the total value of the works exceed $ 0,000,

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.