Page 35 - CCA Platinum Policy Wording

Household contents
Accidental damage inside your home
Your contents are covered for accidental loss or damage, whether inside your home or at your address.
Pay-out is limited
We will not pay more than the amount in the LIMIT SECTION. Accidental damage does not include any of the following:
○ depreciation, or gradual causes such as wear and tear, rust, rising damp and mildew, corrosion or decay
○ damage caused by moths, vermin or insects
○ a cleaning, repairing or restoration process
○ cracking or scratching (unless caused by theft, attempted theft, fire or explosion) of glassware, glass or other
brittle articles other than jewellery, cameras, fixed glass or TV sets
○ mechanical, electrical or electronic breakdown of electronic equipment, unless otherwise stated in the schedule
○ the cost of reproduction or repair of data or software
○ loss or damage caused by domestic animals
○ any loss claimable under another section of the policy.
Keys, locks and remote controls – increased cover
We will pay for the cost of replacing lost or damaged keys, locks and remote controls, including call-out costs of a technician. This will also apply if you have reasonable suspicion that an unauthorised person has access to duplicates.
This is additional cover, and applies if the limited cover (Page 35) is not enough to replace your keys, locks or remote controls.
Power surge
We will pay for damage to your household contents that are caused by an electricity power surge on the distribution line of any public authority.
Subsidence and landslip
You are covered for loss or damage to contents on your property caused by subsidence (when the ground sinks) and landslip (when the ground slides). However, this cover does not apply when the subsidence or landslip results from:
○ structural alterations, additions or repairs to your home or outbuildings
○ defective or faulty design, materials or workmanship
○ excavations, other than mining operations
○ removal or weakening of the support to your home
○ damage that already existed when your cover started.
If required, you will have to prove that the loss or damage was caused by subsidence, landslip or heave (the upward
movement of the soil under the building).
HBM – CC&A Plain Language – 23 June 2014 33