Any business, trade, profession or other activity you earn income from. It doesn’t include: casual baby sitting or child minding domestic garage sales renting out your home (as long as you previously [..]

The amount you pay for the cover we give you under your policy. It includes any compulsory government statutory charges, levies, duties, GST or other taxes that may apply.

An event or incident which you didn’t intend or expect.      

Damage caused by an accident.

For your home - rebuild or repair it using the same materials if they are readily available in Australia or equivalent materials in terms of quality, purpose and specifications. For your contents - re [..]

A body corporate or owner’s corporation under any law relating to the management of subdivided lots or units and common property.

A number of items that are brought together or collected as part of an interest or hobby. It includes collections of coins, stamps, models, toys, badges, spoons or wine.

Any area of a community title scheme, strata title scheme or flats which is not part of your lot or tenancy unless it is secure and you have exclusive access to it under the by-laws of your body corpo [..]

Any loss or extra expense which indirectly results from an event we cover under your policy. For example: any extra expense to replace undamaged property to create a uniform appearance not being able [..]

What it would cost us, including any discounts that are available to us, to repair, rebuild or replace your home or contents when the loss or damage took place.