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RAC Contents And Personal Valuables (strata owners)

RAC Contents And Personal Valuables (strata owners)

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Customer satisfaction
78%

Description

Insurer
RAC
Policy
Contents And Personal Valuables (strata owners)
Owner type
Strata owners
Provider
RAC Insurance Pty Limited
About the insurer
RAC

Cover summary

Contents cover
Nominate a sum insured for your contents
Legal liability
  • Up to $20 million
  • Cover for people named on the policy, plus their family members living with them
  • Cover for incidents in Australia
Renters liability

Cost

Same price to pay monthly
ACT price comparison
N/A
NSW price comparison
N/A
NT price comparison
N/A
North Queensland price comparison
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South Queensland price comparison
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SA price comparison
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Tasmania price comparison
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Victoria price comparison
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WA price comparison
$

Covered events

Theft
  • Covers theft and attempted theft
  • No cover for theft from common areas of strata titled property
  • No cover for theft by tenants, residents or people authorised by residents to enter site
  • Up to $500 for theft during an open real estate inspection
Fire
  • Covers fire and bushfire
  • 48 hour waiting period for bushfire
Flood
u0026#149; Coveredu003cbru003eu0026#149; 48 hour waiting period
Storm and cyclone
u0026#149; Coveredu003cbru003eu0026#149; No cover for damage caused by water or wind entering through an open window/dooru003cbru003eu0026#149; Up to 20% contents sum insured for contents in the open airu003cbru003eu0026#149; 48 hour waiting period
Storm surge
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
u0026#149; Covers damage caused by falling trees or tree branchesu003cbru003eu0026#149; Covers damage caused by vehicles or water-borne craftu003cbru003eu0026#149; Covers damage caused by aerialsu003cbru003eu0026#149; Covers damage caused by aircraft; space debris; or debris from an aircraft, rocket or satelliteu003cbru003eu0026#149; No cover for damage caused by tree rootsu003cbru003eu0026#149; No cover for damage caused by tree felling or lopping at your addressu003cbru003eu0026#149; No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earth moving equipmentu003cbru003eu0026#149; Does not cover removing tree stumps from the groundu003cbru003eu0026#149; Does not cover removing trees that have fallen and not damaged your buildingu003cbru003eu0026#149; Does not cover commercial aerials, antennas or masts
Animal damage
u0026#149; Covers damage caused by animals/birds not kept at siteu003cbru003eu0026#149; No cover for damage to building exterior by animals/birds caused by biting, chewing, clawing, pecking, soiling or tearingu003cbru003eu0026#149; No cover for damage caused by insects, rodents, termites or vermin
Escape of liquid
Breakage
Accidental damage
u0026#149; Optionalu003cbru003eu0026#149; Covers accidental loss and damage to your contentsu003cbru003eu0026#149; No cover for electronic or mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or datau003cbru003eu0026#149; No cover for power driven items, sporting equipment, musical instruments or firearms while being usedu003cbru003eu0026#149; No cover for damage caused by processes of cleaning, repairing, restoring or altering your contents; animals; birds; or business activities you operate from your site

Claims

Out-of-hours claiming
Online and 24/7 phone
How the insurer can settle your claim
  • Repair damaged items
  • Replace damaged items
  • Pay you the item's replacement value, up to your sum insured or other sublimits
Cash settlement
  • Customer cost if insurer offers cash
  • Insurer cost if you ask for cash (may be less than retail cost)
  • Insurer may offer non-cash alternatives
New for old contents replacement
1

Contents

Cover for unlisted portable contents
  • Covers some items for accidental loss/damage
  • Choose overall limit from $2000–$5000
  • Choose limit from $500–$1000 per item
  • Covered anywhere in Australia
  • $200 excess
  • Optional
Optional cover for specially listed valuables
  • Cover for accidental loss/damage
  • Covered anywhere in Australia
  • $100 excess
Contents in the open air
  • Up to sum insured overall
  • Up to 20% sum insured for storm and theft
Temporary accommodation
Debris removal
1
Emergency storage
Keys and locks after break-in
Up to $800 overall
Motor burnout
Reasonable cost
Jewellery
  • Up to $5000 overall
  • Up to $2000 per item or set
Artworks
  • Up to $5000 overall
  • Up to $2000 per item or set
Collections (e.g. stamps, coins)
Up to sum insured overall
Digital media
Up to $5000 overall
Spoiled food
  • Up to $500 overall
  • Cover for failure of power supply and damage to refridgerator or freezer
Visitors' contents
Up to $500 overall
Pet cover
Permanent fixtures
  • Up to $5000 overall
  • Covers fixtures/structural improvements not covered by strata title building policy
Overlapping cover at a new house
Up to 14 days cover at both addresses
Cover for contents while moving house
  • Up to contents sum insured overall
  • Cover for collision, overturning or theft of removal vehicle and fire

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