Product Disclosure Statement

Definitions Applicable to Your Policy

In this Policy:

What is covered	What is not covered
1. “You”, “Your” means the insured named in Your Certificate and members of Your Family who normally live with You.
2. “Your Family” means Your spouse, defacto spouse, partner, parents, grandparents, children, grandchildren, brothers, sisters and in laws who normally live with You, any person who provides care or service to You and who normally lives with You and any other person named in Your Certificate.
3. “We”, “Our”, “Us” means Shannons Limited (Shannons) on behalf of Australian Alliance Insurance Company Limited.
4. “Policy” means Your contract of insurance with Us and includes the Policy Wording, Your Certificate and any endorsements.
5. “Policy Wording” means the summary of the terms of the Policy contained in Part Two of this document.
6. “Your Certificate” means any certificate of insurance, renewal certificate or schedule containing details of Your Policy.
7. “Your Address” means the address shown in Your Certificate at which Your Home is located.
8. “Rainwater” means rain falling naturally from the sky including rainwater run-off over the surface of the land and including rainwater over-flowing from storm water drains and channels.
9. “Storm” means violent wind (including cyclones and tornadoes) and thunderstorms which may be accompanied by rain or snow.
10. “Flood” means the inundation of normally dry land by water overflowing from the normal confines of any natural or artificial watercourse, lake, reservoir, canal or dam.	10. Tidal inundation caused by the action of the sea, erosion, landslide, subsidence or tsunami.
11. “Period of Insurance” means the period stated in Your Certificate.
12. “Your Home” means the residential building situated at Your Address together with all domestic outbuildings, Structural Improvements, fixtures including fixed wall, ceiling and floor coverings and insulation.	12. Your Contents.
13. 'Structural Improvements' are permanent additions to Your Home that add value to the cost of rebuilding or repairing it and includes: clothes line; paved driveways or paths; masts and aerials; pergolas and gazebos; in ground pools; saunas and spas; gates and fences; privately owned wharves, jetties and pontoons not used for commercial purposes.
14. 'Your Contents' means Your: domestic and antique furniture and furnishings; carpets, drapes and interior blinds; moveable swimming pool; moveable sauna and spa; wall and floor coverings; household goods, clothing and other personal effects; cash and negotiable instruments; bicycles, surfboards, surf skis and sailboards; computer equipment and licensed software; motorised golf carts, wheelchairs, lawn mowers and motor scooters which do not require registration; tools used only for domestic purposes. 'Your Contents' also includes the above items (excluding cash and negotiable instruments) not owned by You but for which You are legally responsible.	Motor vehicles, motorcycles, trailers, caravans, aircraft, watercraft and attached accessories. Any item included in the definition of 'Your Home'. Restoration of Your computer records. Plants, trees, shrubs and landscaping. Pets or animals of any kind. Items covered under Sections Four, Five and Six of this Policy.
15. 'Open Air' means any area of Your Address that is not fully enclosed by the walls and a roof of Your Home and is not capable of being secured by a lock or similar device.
16. 'Automotive Memorabilia and Collectables' means objects and collections valued for their connection with motoring.
17. 'Unspecified Personal Effects' means: belongings normally worn or carried by You; sporting, recreational and leisure goods and equipment; portable electronic and electrical items and their accessories; photographic and optical equipment.	cash, negotiable instruments, stamps, postal notes, money orders; credit, debit, stored value and access cards; films, compact discs, video and audio tapes, digital video discs; vehicles and motorcycles; watercraft, aircraft and aerial devices; tools of any description.
18. 'Insured Events' means: (a) Fire, explosion and lightning; (b) Earthquake; (c) Theft including burglary and housebreaking; (d) Any malicious act by a person; (e) The escape of liquid from: any water main or fixed pipe, gutter or guttering, fixed tank or a drain a sink, toilet, bath, shower, basin or waterbed; a fixed heating or cooling system; a dishwasher or washing machine; an aquarium.	(a) Scorching, arcing or heat damage that happens without flames. (c) Theft by any person who normally lives in Your Home or by a person lawfully at Your Address; theft which occurs when Your Home does not have sufficient furniture and furnishings for normal living purposes. (d) Malicious acts by: You; persons normally living in Your Home; persons lawfully at Your Address (e) Costs incurred in repairing or replacing the apparatus, equipment or items from which the liquid escaped.
18. (f) Accidental breakage of any: fixed glass, fixed mirrors, skylights; shower or shower base, basin, sink, bath, lavatory bowl or cistern; light fittings fixed to the buildings; glass forming part of furniture.	18. (f) Glass forming part of a glass house. Any cooking surface. Loss or damage if the breakage does not extend through the entire thickness of the damaged item. Glass in sound equipment, television sets and computers.
(g) Riot, civil commotion or public disturbance;
(h) Impact caused by any vehicle, animal, aircraft, space debris, meteorite, aerial or mast that has broken or collapsed, falling or lopped tree;	(h) Impact by: an animal kept at Your Address; a tree lopped by You or on Your behalf.
(i) Storm, hail or Rainwater;
(j) Flood;
(k) Burning out by electric current of an electric motor in a machine which is part of Your Home or Your Contents.	(k) Motors forming part of any apparatus used in connection with any trade, business or occupation. Any repairs or costs which are incidental to or incurred as a consequence of repairing the damage caused by the electric current. This includes but is not limited to all protective devices and mechanical parts.