Page 80 - Bay Union - Prestige Policy Wording
P. 80

HOUSEHOLD CONTENTS
Fire
Fire, lightning or explosion
You are covered for loss or damage to the contents of your home that is caused by  re, lightning or explosion.
Weather and earthquake
Storm, wind, water, hail, etc.
You are covered for loss or damage to the contents of your home that is caused by storms, as well as related activity such as wind, water, snow,  ood and hail.
However, this does not apply to property that is out in the open or not under a roof, unless it is something designed to operate in the open, like garden furniture.
You are also covered for loss or damage to your contents arising from an earthquake. However, this excludes earth tremors caused by mining operations.
Leaks,  ooding
Over owing of water apparatus; leakage of oil
You are covered for loss or damage to the contents of your home that is caused by leaks and  ooding. Examples are bursting pipes, over owing water tanks, exploding geysers and sudden leakage of oil from heaters.
Impact
Impact with the building; falling trees
You are covered for loss or damage to the contents of your home that is caused by sudden impact. Examples are a tree falling onto the building, or a wall collapsing onto a part of your property. However, the cover does not apply if the event is caused by outside agents – for example, tree fellers or building contractors – in the course of work they are doing for you.
77 Bay Union - Prestige Policy Wording - 20 June 2012


































































































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