This is the cheaper form of home and contents insurance, and can provide cover for a defined range of events including fire, theft, earthquake, storm damage and electric motors burning out.
Cover for a comprehensive range of events including accidental damage and accidental loss, as well as cover for theft and fire. This covers your insured contents anywhere in the world unless excluded in the policy wording.
Here is an example of what can covered under an accidental damage policy:
IPod lost or accidentally broken
Red Wine/Paint/Coke spilt on carpet
Video Camera dropped & broken
Handbag stolen whilst shopping
Sports bag stolen from the gym
Diamond lost from damaged engagement ring
CD’s & other personal items stolen from a car
Mobile phone dropped in pool, toilet etc.
Television dropped whilst trying to plug in play station.
This has all the features you need to insure your farm home, farm property, motor vehicle, farm machinery, income and other items
Farm Motor Insurance:
This provides cover for
Cars, station wagons, caravans and trailers
Goods carrying vehicles including utes, trucks and trailers
Agricultural vehicles, including tractors, harvesters, bulldozers
This enables you to cover your stud stock, and covers you against:
Death due to an accident
Death due to an illness or disease
Loss of use due to an accident
Loss of use due to an illness
No matter how many head of stud stock you carry, you can elect to insure stud cattle, stud rams, ewes or horses. In addition, the livestock cover is provided anywhere in Australia.
Car / Motorbike / Motor Vehicle
Third party insurance:
Cover for a third party vehicle and/or property up to an agreed amount, usually $20million.
Third party fire and theft:
Cover for a third party vehicle and/or property up to an agreed amount, usually $20million, and cover for your own vehicle for fire or theft up to $5,000.
Cover for a third party vehicle and/or property up to an agreed amount, usually $20million, and cover for your vehicle for either market value or agreed value against “at fault” incidents, as well as fire and theft.
You can include the following options on your comprehensive insurance policy, however this may cost extra:
Protected no claim bonus
Your no claim bonus can be protected against one claim, or all claims during the policy year
This option will allow you to claim one windscreen per year without having to pay an excess or affecting your No Claim Bonus.
There are many factors which will affect the premium and the excess you will pay, such as:
Whether you want to insure for agreed value or market value
How many accessories your vehicle has, and the replacement value of these
Whether your vehicle has any modifications, and the value of these
How many extra factory options your car has, and the value of these
All of these items need to be disclosed to us to ensure you are adequately covered.
Covers you against loss or damage to the caravan, annexe and its contents from an accident, as well as theft. You can also choose the type of cover you need to suit your circumstances - whether you’re touring Australia in your caravan, or it’s permanently on-site.
Boat Insurance protects against theft, fire, malicious damage, stranding and capsizing, damage sustained while loading or unloading your boat, as well as collision with other vessels, jetties, submerged objects or motor vehicles.
Your vessel is also covered while in transit or in inland waters, within 200 nautical miles off the Australian coastline, or idle. Full salvage and recovery expenses are included over and above the sum insured.
Residential Property Insurance:
Covers flats, units, apartments and houses which are leased or rented to tenants.
Residential Strata Insurance:
is specifically designed for strata title properties. Properties of this nature have specific insurance requirements that may not be catered for by standard residential home insurance. We can quote on a range of covers to suit your needs.
Each state and territory has different legislative requirements that deal with insurance for strata title properties. You should always check that your insurance meets those legislative require