Important Messages

If You have suffered loss or damage to Your Home, telephone Us on 13 46 46 immediately so that We can take care of everything for You. You can call Us 24 hours a day, 7 days a week.

How to use this Product Disclosure Statement and Policy Wording

No policy covers everything - therefore We have designed this document so that it is easy for You to distinguish between what is covered and what is not covered. In most areas of the Policy Wording We have put 'WHAT IS COVERED' on the left page of the booklet and 'WHAT IS NOT COVERED' on the right page. We have also used blue shading to highlight the limitations and exclusions.

To fully understand Your Cover, You should read the appropriate section on the left page and then refer to the specific limitations and exclusions directly opposite. You must also read the exclusions and conditions which are available here.

If there is anything You don't understand about the Policy feel free to discuss it with Your nearest Shannons branch, either by telephone or in person. Please keep this document and Your Certificate in a safe place.

Inflation Protection

The sums insured shown in Your Certificate for Your Home and Contents will be automatically adjusted at the end of each Period of Insurance to account for inflationary trends.

Sum Insured

Any sum insured shown in Your Certificate is inclusive of any applicable taxes and charges and is the maximum amount We are obliged to pay in settlement of any claim.

Notice

If more than one person is an insured under this Policy, a failure or wrongful action by one of those persons may adversely affect the rights of the other person(s) insured under this Policy.

This insurance product is issued by:

Australian Alliance Insurance Company Limited ABN 11 006 471 709 Australian Financial Services Licence No. 235011 Level 4, 440 Collins Street, Melbourne VIC 3000 This Product Disclosure Statement was prepared on 18/07/06