Page 76 - Bay Union - Prestige Policy Wording
P. 76

Security guards
If you need to employ security guards on your property to keep it safe as a result of an insured event, we will pay that cost – as long as it is both necessary and reasonable.
You are covered for accidental damage to domestic  xed-line telephones inside your home. Cellphones are excluded.
Trauma counselling bene t
We will pay for professional counselling to help you cope with trauma if you should be the victim of theft, attempted theft, hold-up or hijacking.
Veterinary expenses and medical bene t
We will pay the stated medical bene t for accidental bodily injury to any:
○ person, excluding yourself, caused by your domestic animals
○ guest or visitor caused by any defect in your home
○ domestic employee in the course of their employment.
We will also pay for veterinary expenses incurred as a result of accidental bodily injury to any of your domestic animals caused by an accident on a public road.
Water leakage from underground pipes
We will pay for any additional charges on your municipal water bill that result from leakage of underground pipes on your property. This is subject to the following conditions:
○ the additional charge for the latest quarter must exceed the average of the last four quarters by at least 50%
○ the additional charges are not caused by:
■ leaking taps, geysers, toilet systems or swimming pools
■ loss of water from swimming pools or their pipes
○ your home is not unoccupied for more than 60 days
○ you immediately trace the leak and repair it at your own expense
○ we will not pay for more than two events in any 12-month period.
73 Bay Union - Prestige Policy Wording - 20 June 2012

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