What should I do to protect my home from storm damage?

We consider a defined event to be an event which causes loss, destruction or damage to your insured property. They include, but are not limited to the following:

• fires
• lightning
• storms
• vandalism
• malicious damage

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.

We offer market value policies for cars that have pre-existing hail damage providing that they're in registrable condition.

You can find more information on market value policies by visiting our car insurance page.

We cover damage caused by water leaking or escaping from:

• House gutters
• Pipes and drainpipes
• Baths and toilets
• Appliances (such as washing machines and dishwashers)
• Aquariums
• Water tanks
• Swimming pools.

Read the Product Disclosure Statement (PDS) on our policy booklets page for more information.

If you have Comprehensive Motorcycle cover, we will replace your helmet if it's lost or damaged in an incident we cover.

For an extra cost, you can choose to add the option of cover for protective clothing (e.g. jacket, trousers, boots and gloves) to your policy.

If you have Comprehensive cover, we also cover you personal items, for up to $1,000 in total.

Personal items we will not cover include, mobile phones, cash, and property used for earning an income.

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.

For more information, read the PDS.