Product Disclosure Statement

Section Two - Your Contents: The Cover

What is covered	What is not covered
We will cover You for loss or damage to Your Contents whilst contained in Your Home caused by an Insured Event during the Period of Insurance. At Our option We shall either: pay the reasonable cost of repairing Your Contents which have been damaged; or replace Your Contents which have been damaged or stolen; or compensate You in cash for Your loss or damage. If, at Your request, We agree to compensate You in cash, We will reduce the cash compensation by an amount equal to any trade discount which We would have obtained from a supplier had We chosen to repair or replace Your Contents.	Any amount in excess of the sum insured specified in Your Certificate. The exclusions on these pages here. In respect of pictures, works of art, vases, ornaments, watches, jewellery, unset stones and gems, furs, leather items, gold or silver articles, documents, cameras or photographic equipment or camcorders and their accessories any amount in excess of $1,000 per individual item, pair, set or collection, and in any event not more in total than 20% of the sum insured on Your Contents. This restriction does not apply to items specified in Your Certificate. In respect of any claim under Insured Event (k) only, any amount which exceeds 2% of the sum insured on Your Contents. In respect of loss or damage caused by fire or by Insured Events (c), (d), (e), (f), (i), (j) and (k) We will not cover You if Your Home has been unoccupied for a period of 60 continuous days or more (unless You have obtained Our written consent and paid any additional premium required by Us). For Your Home to be considered occupied You, or someone nominated by You, must have stayed in Your Home for 2 consecutive nights on at least one occasion in a 60 day period. Cash, negotiable instruments, stamps, postal notes or money orders in excess of $500 in total. In respect of carpets or internal window furnishings We will only pay for the repair or replacement in the room or rooms in which the loss or damage occurred. Your Contents whilst in the Open Air.

What is covered

What is not covered

We will cover You for loss or damage to Your Contents whilst contained in Your Home caused by an Insured Event during the Period of Insurance.

At Our option We shall either:

pay the reasonable cost of repairing Your Contents which have been damaged; or
replace Your Contents which have been damaged or stolen; or
compensate You in cash for Your loss or damage. If, at Your request, We agree to compensate You in cash, We will reduce the cash compensation by an amount equal to any trade discount which We would have obtained from a supplier had We chosen to repair or replace Your Contents.

Any amount in excess of the sum insured specified in Your Certificate.
The exclusions on these pages here.
In respect of pictures, works of art, vases, ornaments, watches, jewellery, unset stones and gems, furs, leather items, gold or silver articles, documents, cameras or photographic equipment or camcorders and their accessories any amount in excess of $1,000 per individual item, pair, set or collection, and in any event not more in total than 20% of the sum insured on Your Contents. This restriction does not apply to items specified in Your Certificate.
In respect of any claim under Insured Event (k) only, any amount which exceeds 2% of the sum insured on Your Contents.
In respect of loss or damage caused by fire or by Insured Events (c), (d), (e), (f), (i), (j) and (k) We will not cover You if Your Home has been unoccupied for a period of 60 continuous days or more (unless You have obtained Our written consent and paid any additional premium required by Us). For Your Home to be considered occupied You, or someone nominated by You, must have stayed in Your Home for 2 consecutive nights on at least one occasion in a 60 day period.
Cash, negotiable instruments, stamps, postal notes or money orders in excess of $500 in total.
In respect of carpets or internal window furnishings We will only pay for the repair or replacement in the room or rooms in which the loss or damage occurred.
Your Contents whilst in the Open Air.

Product Disclosure Statement

Section Two - Your Contents: The Cover

At Our option We shall either:

pay the reasonable cost of repairing Your Contents which have been damaged; or

replace Your Contents which have been damaged or stolen; or

compensate You in cash for Your loss or damage. If, at Your request, We agree to compensate You in cash, We will reduce the cash compensation by an amount equal to any trade discount which We would have obtained from a supplier had We chosen to repair or replace Your Contents.