COTA Contents (strata owners)
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Description
Cover summary
- Up to $20 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents worldwide
Cost
Covered events
- Covers theft, attempted theft, burglary and attempted burglary
- Covers theft from locked basement storage cages
- No cover for theft from common areas
- No cover for theft by residents, people employed at the home, people invited into the home or people acting with the insured's consent
- Up to $500 for security firm callout
- Covers fire, bushfire, grassfire and smoke
- Accidental damage option covers scorching/melting
- 72 hour waiting period for bushfire and grassfire
Claims
- Repair damaged items
- Replace damaged items
- Pay you the item's replacement value, up to your sum insured or other sublimits
- 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
Contents
- Covers some items for theft and accidental loss/damage
- Choose overall limit from $1000–$7500
- Choose limit from $500–$2000 per item
- Covered anywhere in Australia, and for up to 120 days in rest of the world
- $100 excess
- Optional
- Cover for theft and accidental loss/damage
- Covered anywhere in Australia, and for up to 120 days in rest of the world
- $100 excess
- Up to 12 months or 10% sum insured
- Paid on top of sum insured
- Covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
- Up to $500 for pet boarding
- Up to 10% sum insured overall
- Paid on top of sum insured
- Up to 12 months
- Covers moving/storing undamaged contents
- Motors up to 10 years
- Optional
- Up to $7500 overall
- Up to $2500 per item, set or collection
- Up to $7500 overall
- Up to $2500 per item, set or collection
- Up to $7500 overall
- Up to $2500 per item, set or collection
- Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
- Up to $500 for natural disaster
- Up to $500 overall
- Cover for road accident injury
- Up to sum insured overall
- Up to $2000 for contents in locked basement storage cage
- Covers fixtures/fittings/structural improvements not insurable by the body corporate
- Covered fixtures include fixed ceiling/wall/floor coverings, fixed blinds/awnings, built-in furniture, clothes lines, built-in barbeques, air conditioners, heating systems, ovens, dishwashers, hot water systems, fixed ceiling fans, light fittings, plumbed in refrigerators, solar panels and satellite dishes/antennas
- Up to contents sum insured overall
- Included in optional accidental damage cover
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