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Understanding your policy
Losses covered by other insurance
We do not cover loss or damage to insured property in the event of a claim being settled under another insurance policy where you are not the policyholder. However, we will consider a claim in the following instances:
○ If the claim is rejected under the other insurance policy.
○ If the cover under the other insurance policy is not sufficient, we will consider the claim for the difference up to
the applicable limit under this policy.
Maintenance and similar acts
There is no cover for loss or damage caused by maintenance, servicing, cleaning, dyeing, bleaching, restoring, altering, renovating or repairing. There is also no cover for loss or damage to insured property undergoing any process involving the use or application of water, except for the purpose of fighting a fire.
Mechanical and electrical breakdown
We do not cover loss or damage caused by electrical or electronic breakdown, failures or breakages, unless otherwise stated. This includes where a component fails to perform to its intended design specifications. Please note that this exclusion does not apply to your included Geyser cover under the Buildings cover section or to items covered under Accidental damage – extended cover under the Household contents section.
Mining operations
We do not cover any loss or damage that arises from a mining operation or mining activity, other than an earthquake.
Nuclear events and substances
We do not cover any event related to radioactive or nuclear material in any way.
Operating systems and software
There is no cover for accidental loss of or damage to the operating system and software of electronic devices that is not caused by physical loss or damage to the item. Please note that this exclusion does not apply to your Additional cover you can choose under the All Risks and Personal computers cover section.
Outbreaks, pandemics, epidemics and communicable disease
There is no cover for costs, liability, loss or damage relating in any way to the following:
○ A declared or classified epidemic or pandemic, including any mutation or variation thereof. This applies regardless of when it was declared or classified.
○ A communicable disease or the fear or threat of a communicable disease. This includes any disease which can be transmitted by a substance, agent or organism (such as a virus, bacterium or parasite), and is regardless of the method of transmission (such as airborne or bodily fluid transmissions).
Pollution and contamination
There is no cover for liability, loss or damage caused by or related in any way to pollution or contamination. There is also no cover for the cost of removing, nullifying or cleaning up seeping, polluting or contaminating substances. Pollution or contamination means the discharge, release, dispersal, seepage or escape of any solid, liquid, gas, contaminant or pollutant.
For example: Humidity, fumes, smoke, soot, chemicals, acids or waste.
For example: Building materials are stolen during renovations of your home. Because the building materials are covered under your building contractor’s insurance policy, it means that you cannot claim under this policy. Only if the contractor’s insurance policy does not cover the building materials in full will we consider the claim under this policy up to the applicable limit.
Examples of electronic devices: Cell phones, laptops, notebooks, tablets, portable music players, headphones, gaming devices, wearable technology (such as smart watches), external hard drives, data storage devices, GPSes and similar electronic items.
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