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Home Insurance to cover motor burnout

Learn how our home insurance options can help with motor burnout cover. Sometimes called fusion cover, it can help protect your home’s essential appliances from unexpected electrical motor failure.

What is motor burnout cover, offered under NRMA Home Insurance?

Motor burnout cover, which may be included under your home insurance policy, covers damage or loss caused by electric motor burnout in appliances when the electric motor stops working due to a power surge or change in electrical current.

It can help reduce unexpected repair or replacement costs for essential appliances like fridges, air conditioners and pool pumps if their motors suddenly fail.

How do I add motor burnout to my home insurance cover?

Motor burnout cover may already be included in your NRMA Home Insurance policy, depending on the level of cover you choose.

It’s available as optional cover under NRMA Home Building, Home Contents and combined Home Building & Contents policies. In some products, such as Home Building Plus and Home Contents Plus, motor burnout is automatically included, so you won’t need to add it on. For all other policy types, it may be available as an optional benefit.

Is cover for motor burnout worth it?

It depends on your situation. You may want to think about things like:

  • the cost of your policy (premium)
  • what the cover includes
  • any excess that may apply
  • the age and condition of the motor.

Review the relevant PDS to help you decide which level of cover best suits your needs.

Protect your home with NRMA Home Insurance

We offer cover for items in your home, even if you accidentally leave a window or door unlocked.

We can cover the cost to repair or rebuild your home if it’s damaged or destroyed by an incident we cover, up to the sum insured.

Protect your home inside and out with combined Buildings and Contents Insurance. Your buildings and items will be covered for a range of incidents.

Check out the relevant policy booklets

Get the full details on limits, conditions, exclusions and more.

NRMA Home Building Insurance PDS
NRMA Home Contents Insurance PDS
NRMA Home Building & Contents Insurance PDS
NRMA Home Building Plus and Home Contents Plus PDS

Motor burnout cover is available as optional cover under NRMA Home Building, Home Contents, and combined Home Building & Contents policies. In some higher tier products, like Home Building Plus and Home Contents Plus, electrical motor burnout is automatically included. For full details, refer to the relevant NRMA Home Insurance PDS.

FAQs

Motor Burnout FAQs

Yes. Fusion and motor burnout refer to the same type of damage, when an electric motor in a household appliance stops working because of a power surge or change in electrical current. We offer cover for motor burnout as an optional benefit (or automatic inclusion) depending on which NRMA Home Insurance policy you choose.

The fastest way to determine how much your insurance premium might cost with motor burnout cover included, is to get a quote online.

For more information on how premiums are calculated, refer to the Home Insurance Premium Excess and Discount Guide.

Yes. Motor burnout cover can apply to both new and used household appliances, if they meet the eligibility criteria in your NRMA Home Insurance policy. This may include things like the age of the motor, and whether the damage was caused by a power surge or change in electrical current.

For full details, check the relevant PDS.

Eligibility and whether cover is automatically included or optional may vary depending on your property type and the policy you hold.

The PDS for your policy outlines how cover applies to homeowners, landlords, strata property owners, and other residence types.

  1. Ensure safety first. Check the appliance is turned off and ensure there’s no ongoing risk to you, your home, or your contents.

  2. Document the damage. Take photos of the affected appliance and any related damage. Next, gather receipts or other proof of ownership where available. This information helps us with your claim.

  3. Start your claim. You can start the process online or over the phone. To get started, we’ll ask for some personal information so we can locate your policy, and then you’ll be able to tell us what happened.

  4. Track your claim. You can check the progress of your claim and upload additional information as needed until your claim is finalised.

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Things you should know

  1. We don’t cover actions of the sea, such as tides and waves. Check the PDS for a full list of exclusions. For insured properties in NSW, ACT or Tasmania, if we give you the option to remove cover for flood, rainwater run-off and storm surge from your Contents Insurance and you choose to do so, you won’t be covered for loss or damage to your contents caused by flood, rainwater run-off or storm surge.

  2. If you’re renting the home, we pay the reasonable extra rent costs for temporary accommodation. If you own and live in your home, we cover the reasonable costs of temporary accommodation. As long as you were living in the damaged home permanently before the incident, we pay for accommodation for up to a year for the Home Contents Standard policy (or up to two years if you have a Home Contents Plus policy), or when your home is repaired or replaced (whichever is first). We pay your extra temporary accommodation costs up to 10% of your sum insured for Home Contents Standard policies, and up to 20% for Home Contents Plus. We need to be satisfied your home is unliveable and we need to agree to the cost before you make arrangements.

  3. We don’t cover damage caused by water leaking or escaping from a shower recess or shower base. We don’t cover loss from erosion or other earth movements. We don’t cover the costs to repair or replace the item that the liquid leaked or escaped from.

  4. We don't cover broken glass in televisions, radios, or computer equipment unless you choose to add Accidental damage cover to your Home Contents Standard policy. Or, it’s automatically included if you have Home Contents Plus.

  5. We don't cover loss or damage caused by tree cutting, lopping or felling, unless it was performed by a professional.

  6. We pay up to $500 for Contents Standard, and up to $2,000 for Contents Plus.

  7. For owners, cover applies if the incident happens away from your home but still in Australia. Fro tenants or if your home is under a strata title, cover also applies if the incident happens at the home or site and for which you or your family are responsible for.