Features
Accidental damage or accidental loss
Alternate accommodation (paid in addition to sum insured)
Architects, surveyors and legal fees (paid in addition to the sum insured)
Burning out an electric motor (for motors up to 15 years old)
CDs, DVDs, Blu-Ray disks and digital downloads (up to $20,000 per item or boxed set unless specified by you)
Contents at home in the open air
Credit card and transactions card misuse
Fine art, paintings and works of art (up to $20,000 per item unless specified)
Floor cover (automatic)
Frozen food (following breakdown of freezer)
New for old replace cover (contents)
Removal of debris and demolishing costs (paid in addition to the sum insured)
Replacing keys and recoding of locks and barrels
Valuable items , jewellery, mobile phones, tablet computers, notebook computers, cameras, photographic equipment, portable music players etc.
Optional additional valuables cover (worldwide cover for up to 90 consecutive days)
Vet expenses if your pet is injured in a road accident
Accidental Damage
Yes
Yes - up to 10% of sum insured
Yes - up to 10% of building sum insured
Yes
Yes
Yes
Yes - up to $5,000
Yes
Yes
Yes - includes accidents
Yes
Yes - up to 10% of sum insured
Yes - no limit
Yes - 20% of contents sum insured or $7,500 whichever is greater (up to $2,500 per item)
Yes - nil excess
Yes - up to $500
Fundamentals
No
Up to 10% of sum insured
Up to 10% of building sum insured
No
Yes
Yes - up to $1,000 for the events listed
Yes - up to $1,000
Yes
Yes
No
Yes
Yes - up to 10% of sum insured
Yes - up to $1,000
Yes - $2,000 in total (up to $1,000 per item)
No
No
Listed Events
No
Yes - up to 10% of sum insured
Yes - up to 10% of building sum insured
Yes
Yes
Yes - up to $2,000 for the events listed
Yes - up to $5,000
Yes
Yes
Yes - up to $500
Yes
Yes - up to 10% of sum insured
Yes - up to $1,000
20% of contents sum insured or $5,000 whichever is greater (up to $2,500 per item)
Nil excess
Yes - up to $500
