Fire & General Cover
Owning your own house or investment property is often the result of many years of saving and planning. So it makes sense to protect your biggest and most important asset with Comprehensive Home insurance.
As well as protecting your house, our Home Policy also provides cover for items in the grounds around your house including driveways and swimming pools. And if you work from home, your home office is covered too.
- Choosing the Sum Insured value for your home
Homes are covered for rebuild or repair up to a specified maximum value, like the cover amount that you choose when you insure your contents. This value is called the Sum Insured and we have some options to help you to determine this value.
It’s important to keep your sum insured amount up-to-date, especially if you’ve improved or made changes to your house. Once you’ve chosen an appropriate value, contact Nicole to renew your insurance cover.
What makes a house a home is different for all of us. Furniture, technology, jewellery, sports gear – even the valuables you carry on your person away from home can be covered by one easy contents policy.
You can choose from two levels of cover to suit you, but either way you’ll receive some great benefits like personal liability cover and alternative accommodation. There are added benefits under the comprehensive cover option, including; transit cover for your contents if you move house; and replacement value for most contents – which means for a total loss, we’ll replace your contents with a brand new item.
- Motor Vehicle
if your car is damaged in an accident, we’ll get you back on the road as soon as possible. When you’re insured for comprehensive car insurance, your insurance goes beyond just repair or replacement. We’ll cover emergency costs for accommodation or your transport home after an accident. And you’re covered for cleaning, valet costs and keys and locks if your vehicle is damaged when broken into.
With three familiar levels of car insurance cover – Comprehensive; Third Party, Fire and Theft; and Third Party Only – you can choose the Motor Plan that suits you best.
Our boat cover can cover just about any private vessel and boat equipment on it, as well as any legal liability you may incur as an owner.
Cover for your pride and joy! Full replacement Motorbike Insurance as well as any legal liability you may incur as an owner.
- Goods in Transit
Cover for loss or damage to your valuables whilst they are being transferred from one home to another.
- Landlords Protection
Insure your property against mishap or loss of rent due to malicious damage, vandalism or theft by a tenant. Includes legal liability. If you’ve ever had a problem with rents not being paid, tenants disappearing or damage to your property – then landlords protection is a must!
What’s covered? (provider depending)
- Malicious Damage or Theft by the Tenants. $25,000.
- Loss of Rents following the tenant vacating without giving the required notice. Up to 6 weeks.
- Loss of Rents due to the eviction of a tenant for non-payment of rent. Up to 14 weeks.
- Loss of Rent due to the tenant refusing to vacate the property. Up to 10 weeks.
- Loss of Rent following death of the tenant. Up to 6 weeks.
- Loss of Rent due to prevention of access. Up to 8 weeks.
- Legal Liability as a Landlord. Up to $1,000,000.
- Loss of Rent due to manufacture, storage or distribution of ‘unlawful substances’ (P Lab). Up to $25,000.