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Policy documents for Home Building Insurance

  Current documents

Reform of the New South Wales Emergency Services Levy (ESL)
This press release especially applies to policies commencing during the 2016-17 financial year (1 July 2016 to 30 June 2017). Policies with a commencement date or renewal date on or after 1 July 2017 will NOT include an ESL.

Product Disclosure Statement
This PDS applies to new policies purchased after 10 February 2014 and renewal policies commencing after 4 April 2014.

Update Pursuant to ASIC Class Order 03/237

Effective for all policies when you buy, extend, vary or reinstate your policy on or after 16 November 2015 or if you renew on or after 28 December 2015.  It is to be read in conjunction with your current PDS and SPDS.

Home Building Insurance Premiums, Excesses, Discounts & Claims Payments guide
Read this Guide if:

  • you commenced your policy from 11 February 2014, or
  • your policy was due for renewal on or after 4 April 2014.

  Past documents

Product Disclosure Statement
This PDS applies to policies purchased between 4 February 2012 and 10 February 2014, and renewal policies commencing between 31 March 2012 and 5 April 2014.

Also read the following Supplementary Policy(s)

Supplementary Product Disclosure Statement
For new policies commencing from 07/08/2012 to 30/06/2013 and renewals effective 18/09/2012 to 30/06/2013.

Supplementary Product Disclosure Statement
Effective from 02/05/2013.

Home Building Insurance Premiums, Excesses, Discounts & Claims Payments guide
Read this Guide if:

  • You commenced your policy between 5 February 2012 and 10 February 2014, or
  • Your policy was due for renewal between 31 March 2012 and 4 April 2014.

Glossary

Product Disclosure Statement (PDS)
An important legal document that contains the terms and conditions of your cover, including what is and isn’t covered. Read it together with your Certificate of Insurance.

Key fact sheet
Offers a shorter version of what is and isn't covered, without being a complete statement of your cover.  Read it together with the PDS and your Certificate of Insurance.

Supplementary Product Disclosure Statement (SPDS)
Sometimes, we may need to change the terms and conditions of a PDS, in which case we issue a supplementary PDS.

Premiums, Excess, Discounts & Claims Payments guide (PED Guide)
Explains how we calculate premiums, the excesses that apply, any discounts and how we pay claims. Read it together with the PDS.

Certificate of Insurance

Confirmation of the insurance cover you purchased, including when it starts and ends, the type of insurance it is, and how much you paid. Sometimes referred to as your ‘Schedule’.