Author: icaaustralia

We have copied the temporary accommodation wording from three common home policies. QBE We will pay the following benefit if your home is damaged by an insured event and it is unliveable as a result. Unlivable – the home is unliveable if, due to an incident:  • it is unsafe to live in; or  • […]

Lodging your claim has been made very easy by all insurers these days and can be done via web sites, phone call or email.  Some  of the websites are automated and will search for your policy details before your are able to continue with the claim. Others are simply a notification and the insurer will […]

There are over 90 general insurers operating in Australia that provide domestic home and contents policies. It is often the case that insurers have more than one policy and hence there are more than 100 differing policies that you can buy. So it is not possible to summarise the conditions that apply within each different […]

All home and contents insurance policies include extra things that you may need under certain circumstances and especially if you have a large amount of damage or your home is destroyed. These ‘additional benefits’ are in place to assist you in getting back to normal and are often (not always) extra money on top of […]

Having your sums insured correct is one of the most contentious areas of insurance.So often we see people suffer a major incident only to find they do not have sufficient cover to rebuild or replace all of their goods. Recently a family with three children, five people overall, had the trauma of a bushfire and […]

If you read the previous posts about the type of cover available and the extra things that are usually included, we now go through circumstances, events and things that are often not covered. We have made this a simple list that you can check and if in doubt contact your insurer or broker. Damage to […]