Page 67 - Bay Union - Platinum Policy Wording
P. 67

Sec on 2 – Contents
○ Loss of water by leakage
We will pay for charges levied by a local authority for water lost through leakage, breakage or bursts from pipes in
your water mains system up to the limit stated in the schedule provided that:
– the consump on reading must be at least 50% more than the average of the previous four readings preceding it
– you take immediate steps to repair the pipes a ected on discovery of a leak by physical evidence or on receipt of an abnormally high water account
– leaking taps, geysers, toilet systems and swimming pools are excluded
– the insured address hasn’t been unoccupied for more than 60 consecu ve days
– we will not be liable for more than two separate incidents in a period of 12 months
– we do not cover the cost of  xing the problem, including repairs to the a ected pipes.
○ Out of vehicle cover means we will pay for loss or damage of contents and/or personal belongings from an unoccupied motor vehicle provided that the items are out of sight and the vehicle is securely locked or housed in a securely locked building and entry to the vehicle or building is accompanied by evidence of violent and forced entry subject to the following condi ons:
– should the vehicle be opened by an unauthorised person without any evidence of violent and forced entry or exit we will pay up to a Fixed limit stated in the schedule, unless
– any of the stolen items are speci ed under Sec on 3, Assets speci ed these will be paid up to the sum insured stated in your schedule.
The excess stated in the schedule applies to this cover.
○ Power surge includes damage to electronic and/or electrical equipment that forms part of your contents up to the
Fixed limit stated in the schedule. The excess stated in the schedule applies to this cover.
○ Restoring data on computers
We will pay for costs and expenses necessarily and reasonably incurred to restore lost or damaged data on your personal or business computer which is kept at the insured address up to the Fixed limit stated in the schedule.
○ Veterinary expenses means we will pay you for veterinary expenses you incur as a result of your pet being injured in a road accident or as a result of violence by burglars up to the Fixed limit stated in the schedule.
Bay Union – Pla num Policy Wording – 24 October 2016 65


































































































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