QBANK Home Contents Standard (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 in Australia
Cost
Covered events
- Covers theft and attempted theft
- No cover for theft by residents or someone at the site with consent of residents
- Covers fire and bushfire
- Three day 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
- Insurer may offer non-cash alternatives
Contents
- Covers some items for theft and accidental loss/damage
- Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
- Up to $10000 per item
- Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
- $250 excess
- Optional
- Cover for theft and accidental loss/damage
- Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
- $250 excess
- Up to 12 months or 20% sum insured
- Paid on top of sum insured
- Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
- Up to 10% sum insured overall
- Paid on top of sum insured
- Up to 12 months
- Covers storage of contents
- Motors up to 15 years
- Optional
- Up to $500 overall
- Cover for interruption to electricity supply caused by insured event
- Optional cover for motor burnout
- Up to sum insured overall
- Covers built-in furniture/cupboards, stoves, hot water services, shower screens, paint/wallpaper, built-in air-conditioners, fixed awnings, solar panels, carpets and floating floorboards
- Does not cover items insured by owners corporation or common property
- Up to contents sum insured overall
- Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
- Up to $10000 for accidental damage
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