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I have damage to a dividing fence, what am I covered for?

There are a number of statutory laws in each state or territory that apply when understanding who's responsible for the repair or replacement of damaged dividing fences. You'll be covered for the costs that are your responsibility under the relevant law.

In NSW: https://www.legalaid.nsw.gov.au/

In QLD: http://www.qld.gov.au/law

In the ACT: https://www.accesscanberra.act.gov.au/

In TAS: www.legalaid.tas.gov.au

In SA: http://www.lawhandbook.sa.gov.au/

In WA: http://www.commerce.wa.gov.au/

In the NT: https://nt.gov.au/

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Determining who's responsible for an accident is assisted by the road rules, and establishing if there's any negligence that's contributed to the accident.

When we review who's responsible for an accident we'll ask for all drivers involved in the accident for their version of the incident.

The decision can also be helped by any diagrams and photos that you or the other drivers may have, any witness statements and the map location of the accident.

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Yes, we cover damage caused by storms and weather, for example:

  • Flood
  • Cyclone or tornado
  • Rain
  • Thunderstorm
  • Hail or snow
  • Severe winds.

To be covered, your house must have been structurally sound, watertight and well maintained before the damage occurred.

If your home is unliveable because of an incident we cover, we'll pay for temporary accommodation for you and your family.

If you think you need to relocate, call us on 131 123 anytime, 24/7.

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If you receive demands from another insurance company or the other driver involved you're able to contact us to lodge a claim and we can act on your behalf in dealing with the other party.

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Yes, you can choose who repairs your home.

However, if you decide not to use one of our Partner Repairers, we won't be able to warrant the workmanship or repairs that are completed, or assist in managing the repairer throughout the repair on timeframes or quality.

We'll also only pay you the fair and reasonable amount that the repairs should cost.

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