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We offer our clients a range of home &
contents insurance products based on their circumstances and
requirements. These covers are summarised as follows:
Defined Events Home & Contents Cover
This type of policy covers you for specified common events
that may lead to a loss or damage. Such events may include –
fire or explosion, storm and/or rainwater, flood, lightning
or thunderbolt, earthquake, theft or attempted theft,
malicious acts, riots & civil commotion, escaping liquids,
impact by vehicles, trees or animals, glass breakage,
spoilage of food, fusion, power surge and liability.
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The majority of Australian householders
normally insure for this type of coverage.
Accidental Loss and Damage cover
This type of cover is generally broader than the defined
events cover and generally costs a little more.
The phrase 'accidental loss' is usually
given a specific meaning, included in the 'Definitions'
section of the policy. In general, the policy covers any
accidental loss where the cause of the loss is something
unintended and unexpected.
The cover may also automatically extend
to cover items temporary removed outside the home such as
jeweler, cameras and mobile phones.
Landlord Insurance
If you have an investment property, landlord insurance is an
alternative cover for you. Whilst traditionally it is a
defined events cover, it also provides additional benefits
specific to a landlord, such as:-
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Malicious Damage to premises caused
by the tenant
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Loss of rent due to a specified event
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Legal expenses to recover monies owed
to you
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Rent default or undue departure by
the tenant
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Theft by tenants
Payment options
We offer our clients the following payment options:-
i. One off Annual payment
ii. Quarterly payments
iii. Monthly payments
Quarterly and Monthly payment options are
interest free.
The following payment methods are
available:
i. Cash
ii. Credit card
iii. Cheque or
iv. Electronic Fund Transfer
Special offer
Whilst we deal with the majority of insurers in the market,
We have an arrangement with Australian Unity General
Insurance to provide you an additional discount of 5% of
your business insurance, if you elect to insure your house
and contents with them.
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