Effective 23 September 2013
If you have a claim under this policy we give benefits for:
|SureCover Home Insurance Contents cover||SureCover Plus Home Insurance Contents cover||SureCover Gold Home Insurance Contents cover|
|Cover for Events such as Fire, Storm, Theft and Earthquake*||Yes||Yes||Yes|
|Accidental loss or damage||No||No||Yes|
|Automatic indexation of sum insured||Yes||Yes||Yes|
|help Compensation for death||Yes||Yes||Yes|
|Contents in safe deposit box at a bank||Yes||Yes||Yes|
|help Contents in the open air at your risk address||Yes||Yes||Yes|
|Credit cards - cover for loss or theft||Up to $2,500||Up to $5,000||Up to $5,000|
|help Guests', visitors' and domestic helpers' property||Yes||Yes||Yes|
|Legal liability cover||Up to $10,000,000||Up to $20,000,000||Up to $20,000,000|
|Replacement of locks and cylinders||Up to $1,000||Up to $1,000||Up to $2,000|
|help Security firm attendance||Yes||Yes||Yes|
|Temporary removal of contents from your risk address||Up to 20% of contents sum insured with sub-limits for selected contents||Up to 20% of contents sum insured with sub-limits for selected contents||Up to 20% / $7,500 of contents sum insured with sub-limits for selected contents|
|help Veterinary costs||Yes||Yes||Yes|
|Fusion of electric motors||No||Motors up to 10 years old||Motors up to 12 years old|
|help Spoilage of perishable food||No||Up to $500||No specified limit|
|Legal defence costs||No||No||Yes|
|Transit to your new place of residence||No||No||Yes|
* For a full list of events covered by each of SureCover, SureCover Plus and SureCover Gold see the relevant PDS.
For terms, conditions and exclusions of our insurance, please refer to the Product Disclosure Statement (PDS).
Any online discounts offered are applied to our standard rates (excluding optional covers) and apply to the first year’s premium (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via our Contact Centre.
Minimum premiums may apply
Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for optional covers such as Flood and Personal Effects (where applicable).
Minimum premiums may apply
Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for optional covers such as Flood (where applicable).
Home Insurance discounts
Up to 40% discount is made up of three discounts. First discount is up to 30% No Claim Bonus, second discount is up to 10% discount for combining buildings and contents covers on the one policy and the third discount is up to 10% discount for buying online. Discounts may not be applied to any Flood or Personal Effects components of the premium (if applicable).
30% No Claim Bonus
To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However, customers who have had up to two claims in the preceding five years may still qualify for reduced No Claim Bonus.
30% No Claim Bonus
To qualify for the maximum No Claim Bonus of 30%, landlords must have had no landlord losses in the preceding three years. However landlords who have had up to two claims may still qualify for reduced No Claim Bonus.
Cost per Day
Cost per day is based on the average annual premium paid between 1/1/14 and 18/5/14 by new Renter’s Insurance customers insuring $60,000 of contents cover only under SureCover Home Insurance. Excludes optional covers such as Flood and Personal Effects. Individual premiums may vary depending on rating factors such as suburb, insured age and claims history.
Anywhere in Australia and for a maximum of 35 days in any one period of insurance elsewhere in the world. Only available in conjunction with contents cover.
Option to change your excess
Not available when an imposed excess applies.
The maximum combined total amount we will pay under this benefit and “Removal of debris, professional fees and extra costs” is 10% of the sum insured on the buildings.
New for old replacement
At Allianz's discretion and subject to availability of replacement item.
Domestic workers compensation
Not available in all States or Territories of Australia