What do we mean by that?
AAMI,we,us,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.
Collection or set means a group of items of sufficiently common type, appearance or nature that they reasonably belong together and that is devalued if one or more of the group is damaged or lost.
Cover and covers mean the protection provided by your policy.
Damage and loss.
Damage means actual physical damage to your insured property.
Loss or lost means your insured property or a part of your insured property 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 landlord building or the site.
Insured address means the address at which your landlord building is located.
Insured event. The occurrences we have listed on this page which cause damage and loss to your insured property.
Insured propertymeans:
the landlord building, and
when you have insured them under this policy,
the landlord contents.
Landlord means the person named in the insurance schedule as the insured property owner and whose landlord building is being rented for domestic or residential purposes.
Landlord building means the building(s) covered under this policy. See this page for the buildings that are covered and are not covered.
Landlord contents means the contents covered under this policy. See this page for the contents that are covered and are not covered.
Landlord contents amount covered is the most we will pay, less any excesses and amounts we deduct from claims under AAMI Landlord Insurance with Tenant Protection, for any accidental damage and loss to your landlord contents covered by your AAMI policy occurring during the period of cover. The landlord contents amount covered includes GST. The current landlord contents amount covered is shown on the most recent of your insurance schedule and your renewal notice.
Living with your tenant. Any person normally living or staying with your tenant in your landlord building or at the site.
Occupied means your tenant or another person is living or staying in the landlord building or at the site 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 your tenant and you or your agent which sets out the terms and conditions of the tenancy including the tenancy period and the amount of rent payable to you.
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.
Theft means actual or attempted theft and burglary.
You and your mean the person, persons or entity named as the insured on the most recent of your insurance schedule and renewal notice and members of your family.
Your tenant’s family means the following people who normally live with your tenant:
your tenant’s spouse or partner,
your tenant’s children, parents, grandparents, grandchildren, brothers and sisters,
the children, parents, grandparents, grandchildren, brothers and sisters of your tenant’s spouse or partner.
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.
Your tenant means all persons named in the rental agreement provided that they are normally living in the landlord building or at the site, and their family.