What we cover - additional benefits
Any payment we make under the following benefits will be additional to the amount covered and will include GST.
When your landlord fixtures and fittings are insured
Accidental breakage
We will either replace or pay the reasonable cost of replacing the following when they are part of your landlord fixtures and fittings and they are accidentally broken:
any area of glass forming part of your landlord fixtures and fittings,
fixed basins, sinks, baths, shower bases, lavatory pans or cisterns.
We will not replace or pay for:
any glass in a glasshouse or conservatory,
any part of a fixed cooking or heating appliance (for example, the glass top of a stove is not covered),
any area of glass or item which is already damaged or in an imperfect condition.
Damage to electric motors
We will pay the full cost of damage caused by electric current to an electric motor if the motor is less than 10 years old, and:
the motor is in a piece of fixed domestic equipment forming part of your landlord fixtures and fittings,
We will not pay if the damage to the motor or the equipment is covered by a new product guarantee or warranty.
When your landlord contents are insured together with your landlord fixtures and fittings
Accidental breakage
We will either replace or pay the reasonable cost of replacing, when it is accidentally broken:
any area of glass forming part of your landlord contents (including table tops, wall mirrors and free-standing lights).
We will not replace or pay for:
any accidental breakage which has occurred while the item is outside your lot or unit,
any area of glass or item which is already damaged or in an imperfect condition,
the picture tube or screen of any computer, television set or other type of visual display unit,
any glass in a picture or photo frame, clock, radio, stereo or CD, video or DVD player,
glass vases, ornaments or light globes.
Damage to electric motors
We will pay the full cost of damage caused by electric current to an electric motor if the motor is less than 10 years old, and the motor is in a domestic appliance which forms part of your insured property.
We will not pay if the damage to the motor or the equipment is covered by a new product guarantee or warranty.