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Introducing the new AAMI Fire and Theft Contents Insurance Product Disclosure Statement (PDS) for policies renewing on or after 15 December 2020. The PDS is an important legal document that contains details of the product you purchase so you need to read it carefully.

Here at AAMI, we want to provide clarity and certainty in your time of need. We’ve changed the layout of the PDS to help make it easier to understand. And we have also made other changes to the policy – we have added and changed cover and we have added and changed exclusions and conditions.

Below are some examples of things we have changed:

  • Your responsibilities
  • What good condition of your building, unit or contents means
  • How your claims will be settled
  • Matching materials for contents
  • Excess (when and how to pay)
  • Excess (when an excess will be waived)
  • Joint policyholders
  • Conduct of others (new section in your PDS)
  • Things we don’t cover

For full details, please refer to your PDS.

The purpose of this page is to advise you of the various changes that we have made to our AAMI Fire and Theft Contents Insurance Product Disclosure Statement (PDS).

THINGS WE DON'T COVER

General Exclusions are now called ‘Things we don’t cover’

Things we don’t cover includes some new exclusions such as:

  • Deliberate or reckless actions
  • Breaking the law
  • Communicable disease

CHANGES TO CLAIMS SECTION

Changes have been made to the Claims section including, introducing or changing:

  • Your responsibilities
  • How we settle your contents claims
  • Matching for contents

The information above is not a complete list of the changes to your Fire and Thefts Contents Insurance. For full details of what is and isn’t covered, please read the AAMI Fire and Theft Contents Insurance Product Disclosure Statement (PDS). Consider the Product Disclosure Statement before making a decision about this insurance.

THINGS WE DON'T COVER

General Exclusions are now called ‘Things we don’t cover’

Things we don’t cover includes some new exclusions such as:

  • Deliberate or reckless actions
  • Breaking the law
  • Communicable disease

CHANGES TO CLAIMS SECTION

Changes have been made to the Claims section including, introducing or changing:

  • Your responsibilities
  • How we settle your contents claims
  • Matching for contents

SUMMARY OF COVER TABLE

New ‘Summary of cover’ table including covers, additional covers and optional covers to assist you with navigating the new format.

CHANGE WHEN THERE ARE JOINT POLICYHOLDERS

During the period of insurance, we might ask all joint policyholders first before we action a request or direction in relation to your policy (e.g. before we cancel your policy, reduce your cover or remove another policyholder). This way we can help protect the interests of all policyholders.

NEW SECTION - CONDUCT OF OTHERS

When we consider a claim, we will have regard to prejudice you have suffered due to conduct of others and may meet the claim when we are not legally required to do so.

CANCELLATION FEE - REMOVED

If you decide to cancel your insurance cover with AAMI, you will no longer be charged a cancellation fee.