Can you come out and give me a valuation of my building?

Agreed value is an amount of cover that you choose for your car (from a range we give you). The agreed value includes:

• Any modifications, options or accessories that are attached to your vehicle
• GST
• Registration and any CTP Insurance
• Other on-road costs.

When making any decisions about your policy, you should read the Product Disclosure Statement (PDS) on our policy booklets page.

When you make a claim, we may ask you to provide documents that help us assess and settle your claim. Documents can also be used to help us identify correct replacements for you.

Some examples of the types of documents are receipts, valuation certificates, credit card or bank statements, photos or an emergency services report.

Yes you can.

The calculation guide that's provided is a guide only. It's up to you to make sure your home and contents are insured for their full replacement value.

However, if you insure your home or contents for more than the cost to repair, replace or rebuild, we only pay the actual costs of repairing, replacing or rebuilding.

Market value means the value of your car just before an incident (like if your car's stolen or damaged in a fire). It's the maximum amount we'll pay when you make a claim (if you have a market value policy).

We work out the market value when you make a claim. We use things like local market prices, your car's age, its condition, and any modifications or accessories.

This is different to agreed value, which is where you choose the amount to insure your car for (from a range we give you).

Market value means the value of your car just before an incident (like if your car's stolen or damaged in a fire). It's the maximum amount we'll pay when you make a claim (if you have a market value policy).

We work out the market value when you make a claim. We use things like local market prices, your car's age, its condition, and any modifications or accessories/extras.

When making any decisions about your policy, you should read the Product Disclosure Statement (PDS) on our policy booklets page.