If my home can't be lived in will you pay for my temporary accommodation?

Yes, you’re covered if your tenant or their guest vandalises your property or intentionally causes loss or damage.

You and your tenant must have a valid rental agreement. Your policy doesn't cover damage resulting from wear and tear. For more information, please refer to the Product Disclosure Statement.

Yes, you're covered if your tenant stops paying rent or leaves without giving notice during the term of their rental agreement.

However, if you took out a new policy from 14 June 2020 to 17 April 2021, your policy won’t have rent default cover until your policy renews.

To understand what's covered under rent default, please read the Product Disclosure Statement and the Supplementary Product Disclosure Statement on the policy booklets page.

If you currently insure your home and contents and you're selling to move into a new home, we cover your new home for a certain period of time (from when you enter the contract to buy it) and your current home.

From the time you sign the contract to buy your new permanent home, your interest in that home is covered up to the value of the deposit. You're covered until the contract settlement date, the date the contract's terminated, or for 90 days after you enter into the contract (whichever's first).

If you have Contents Insurance, your contents are covered at both your current and new home for up to 14 days.

We also cover items being moved to your new home if they're damaged by certain events while in transit, up to a total of $10,000.

You'll need to give us the details of your new home within 14 days from when you start moving.

To learn more about what you're covered for, read the Product Disclosure Statement (PDS) on our policy booklets page, or call us on 132 132.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

• First purchased before 21 April 2024 and not yet renewed
• Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

We'll pay reasonable accommodation costs if your holiday caravan can't be used or lived in and you're more than 100km from your home (up to $1,000).

Or, if you have advised us you permanently live in your caravan, we can agree to cover temporary accommodation costs (up to $125 per day, up to $5,000) while your caravan is repaired or until your claim is settled (whichever comes first).

For more information, see our Product Disclosure Statements.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

• First purchased before 21 April 2024 and not yet renewed
• Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

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.

Accidental Damage Cover is an option you can choose when you get a home insurance quote. It covers things like:

• Your child accidentally knocked your TV over and broke the screen
• You were up in your roof and accidentally put your foot through the ceiling.

You can choose Accidental Damage Cover for your building, your contents or both. It's automatically included in Building Plus and Contents Plus policies.

For more information on Accidental Damage Cover, read our Product Disclosure Statement or call us on 132 132.

Damage caused by your pet is only covered if you selected the Pet Lover's Pack as an optional extra. The Pet Lover's Pack is being phased out, and won't be available as an option when you next renew.

For more information about what's covered, what's not and terms and conditions, read the Product Disclosure Statement (PDS) on our policy booklets page.

When we assess your application or claim, we may ask you to get examined by an independent medical specialist or attend rehabilitation.

We'll always try to organise appointments that are close and convenient to your home. If we can't find a suitable provider nearby and you live in a rural or regional area, we'll pay your reasonable medical appointment transport costs.

We'll also organise flights and accommodation for you to attend medical assessments if needed. If there's a medical reason you can't travel alone, we may pay the travel costs for someone to go with you. You'll need to approve this with us first to confirm what expenses we can reimburse you for. We're here to help you find a suitable solution.

To ensure there's disabled access at your medical appointment, please speak to your personal claims manager.

Cover notes are temporary insurance contracts that are offered until a full insurance policy is issued.

We don't offer cover notes. However, if you take out a policy with us, we provide a 21 day cooling off period in case you change your mind.