Events we can cover

We cover specific events under your policy, and there are some things we don't cover under your policy. We offer three levels of cover for your home and contents: Classic, Classic Extras and Classic Advantages.

This is a summary only. Please read the Product Disclosure Statement (PDS) for full details.

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Escape of liquid

Fire (including Bushfire)

Floods

Impact

Storm (including hail)

Theft or burglary

Malicious acts and vandalism

Lightning

Damage by an animal

Explosion

Earthquake and tsunami

Storm surge

Riot, civil commotion, or public disturbance

Legal liability

Bushfires, storms, storm surges, floods, tsunamis in the first 72 hours of cover

Actions or movements of the sea

Aircraft shock waves

Asbestos

Biological, chemical, other pollutant or contaminant

Breaking the law

Building extensions, alterations, or renovations

Chemical damage when cleaning

Chips and scratches

Communicable disease

Computer virus or computer hacking

Confiscation or damage by legal authority

Deliberate damage to a reservoir or dam

Defects, faults, or workmanship

Deliberate or reckless actions

Extra costs or other losses following an incident covered by your policy

Glasshouse, greenhouse and conservatory

Ground movement

Hazardous materials

Home, unit or contents that are not in good condition

Legal Liability - Agreements you enter into

Legal Liability - Aircraft

Legal Liability - Animals

Legal Liability - Asbestos

Legal Liability - Building, altering, or renovating

Legal Liability - Buildings, property or land not at the insured address

Legal Liability - Business activity

Legal Liability – Caravans or trailers

Legal Liability – Committee members or officials

Legal Liability - Death or injury

Legal Liability - Defamation or copyright

Legal Liability – Drones, aerial devices or other autonomously piloted aircraft

Legal Liability – Erection or demolition

Legal Liability – Fines, penalties and other damages

Legal Liability – Legal actions in other countries

Legal Liability – Motor vehicles or motorcycles

Legal Liability – Property owned by you or property in your physical or legal custody

Legal Liability – Watercraft

Legal Liability – Your employees

Mechanical or electrical breakdown or failure

Medical equipment and aids

Mould or mildew

Not complying with building laws or regulations

Photographs, electronic data and images

Power surge

Radioactivity/nuclear materials

Renting entire home or unit

Replacement of water

Revolution / War

Roots of trees, shrubs and plants

Sale of home, contents or personal valuables

Sanctions

Seepage of water

Squatters or trespassers

Structural improvements at units

Tree lopping

Wear, tear and gradual deterioration

When security or alarms are not working