Allianz Australia
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General Insurance Company of the Year 2009+
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Fire and Perils - Additional Benefits
Allianz Fire and Perils cover provides a number of automatic additional benefits.
The information provided above is intended as a summary only. For full details of cover, conditions and exclusions relating to Allianz Business Pack, please refer to the
product disclosure statement.
Fire & Perils - Additional Benefits 1 - 7 | Limit |
| 1. Removal of Debris covers the removal, storage and / or disposal of debris | Greater of 10% of the Sum Insured or $20,000 |
| 2. Fire extinguishment covers the cost incurred to replace fire fighting appliances or damaged materials caused in avoiding or minimising damage | $25,000 |
| 3. Temporary protection covers safety and protection of property pending replacement or repair | $25,000 |
| 4. Professional fees covers fees incurred to reinstate property | Provided Sum Insured is not otherwise exhausted |
| 5. Government fees covers statutory authority fees incurred with reinstatement of your business property | $5,000 |
| 6. Rewriting of Records covers the cost of rewriting your business records | $25,000 |
| 7. Directors, Partners’ and Employees’ Personal Property covers repair or replacement of personal property damaged on the business premises at the time the event occurred | $5,000 for any one person or $15,000 for any one event |
In addition to the limits noted above, payments made for additional benefits 1 to 7 are also subject to the extent that the Sum Insured on Buildings, Contents or Stock in Trade is not otherwise exhausted.
Fire & Perils - Additional Benefits 8 - 16 | Limit |
| 8. Capital additions covers alterations and additions to the Property Insured, other than Stock in Trade | To the lesser of 10% of the Sum Insured or $500,000 |
| 9. Seasonal increases in the Sum Insured increases the Sum Insured for Stock in Trade during Christmas and Easter periods (or alternative periods of your choice) | Sum Insured increased by 30% |
| 10. Temporary removal covers Property Insured while temporarily removed from the Premises | Up to the lesser of 10% of the Sum Insured or $100,000 |
| 11. Landscaping covers the reasonable costs of restoring trees, shrubs, plants and lawns following damage | Up to $2,000 for any one event |
| 12. Loss of land value covers loss that results from requirements of any statute or regulation or any municipal or statutory authority that does not allow rebuilding or only allows partial rebuilding at the situation following an insured event | Up to 10% of the Sum Insured on the Building or $100,000, whichever is the lesser |
| 13. Minimisation of Damage covers the removal cost of insured property from the situation to avoid threat of fire or other insured peril | Up to a maximum of $5,000 |
| 14. Restricted transit covers Contents or Stock in Trade against Fire, Lightning, Explosion or Earthquake whilst in transit in Australia | Up to the lesser of $10,000 or 5% of the respective Sum Insured for Stock or Contents |
| 15. New premises temporary protection covers newly acquired premises for a period of 30 days after acquisition provided they are of similar type to those insured | Cover is limited to 10% of the highest Sum Insured for that type of property shown in the Schedule |
| 16. General property - Fire cover where cover is selected under the General Property section, cover under the Fire & Perils section is extended to property insured under general property whilst away from the situation | Up to nominated Sum Insured under General Property section |
Payments made for additional benefits 8 to 16 are made in addition to the sums insured for Buildings, Contents or Stock in Trade.
The information provided above is intended as a summary only. For full details of cover, conditions and exclusions relating to Allianz Business Pack, please refer to the
product disclosure statement.