FREQUENTLY ASKED QUESTIONS
- Commercial Bussiness Package
COMMON QUESTION & ANSWERS
Q: Am I covered for accidental damage?
A: Not automatically. This is an option to discuss with your dedicated Insurance House Account Manager.
Q: Are my carpets and blinds insured under building or contents?
A: Your carpets are covered by your home contents. But again check with your Insurance House Account Manager.
Q: What are specified items?
A: Policies have certain limits for particular higher risk items. Items exceeding these limits need to be specifically listed. Sometimes insurers will request valuations, and proof of ownership in event of a claim.
Specified items within the home normally do not generate extra premium cost. But specified valuables covered away form the home will generate additional premium costs.
Q: Does the contents policy cover item automatically away from my home?
A: No. You will need to include the valuables option and your valuables will be covered for accidental loss or damage anywhere in Australia, New Zealand and be extended worldwide.
Q: Am I covered for flood?
A: Generally most insurers now include flood. But please check with your Insurance house Account Manager.
Q: If I go on holidays, do I need to let you know that the house will be unoccupied?
A: If your house will unoccupied beyond 60 days you should contact your account manager as restrictions can apply.
Q: My bank has asked for a certificate of currency – what is this?
A: The certificate of currency is a document that outlines your insurance policy details and will confirm your banks interest in your home if necessary.
Q: When do I need to insure my brand new house?
A: When your certificate of handover is provided by your builder.
Q: Is removal of debris covered?
A: Yes generally as part of your sum insured. You will be covered for debris removal if repairs, replacement or if a rebuild required after a claim. Always make allowance in your sum insured for removal of debris which can be very costly.
Q: How can I calculate my sum inured?
A: Contact your dedicated Insurance House Account Manager who will guide you through the best process.
Q: What happens when I need to claim?
A: Simply call our claims team 24 hours a day, 7 days a week, 365 days a year on our toll free number on 1800 305 834. Refer to the following link here to access our online claims system (http://www.claimpro.com.au)