Home Emergency Cover FAQ's 

• Does the policy cover maintenance repairs to the electrical or plumbing systems?
  This insurance policy is designed to cover you for unexpected emergency repairs to the plumbing and electrical system of your property.
  
  

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• What is classified as an emergency?
  Emergencies in the context of this insurance policy are sudden and unforeseen damage to the Household Plumbing or Electrical System which immediately:
  a.) exposes you to a risk to your health or safety; or
  b.) creates a risk of loss of or damage to the property; or
  c.) makes the buildings uninhabitable
  
  

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• What is the premium cost?
  $374.00 (including GST and stamp duty) per annum plus $25 policy fee
  
  
  

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• What am I protected against?
  1. Electrical Emergencies
  2. Plumbing Emergencies
  3. Lock Out Emergencies
  4. Impact Damage
  5. Minor Roof Damage
  You should read the Financial Services Guide (FSG) and Product Disclosure Statement (PDS) to familiarise yourself with the exact terms and conditions that apply.
  
  

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• What types of policies and payment options are available?
  One policy type is available:
  
  12 months cover, purchased and paid online. Alternatively you can call us on 02 8399 1838 to arrange cover and payment over the phone
  
  
  

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• Can I renew my policy at the expiry of the 12 months cover?
  Yes, subject to the underwriting criteria applicable at that time
  
  
  

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• Are there any claims limits?
  Yes, the insurer's maximum limit of liability for any one claim shall be up to $1000.00 (inclusive of GST) up to a total of $5.000 per annum. For Impact and Roof Damage a claim limit of $350 applies, limited to one claim per annum.
  
  
  

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• How soon can I make a valid claim?
  Provided that you are eligible for this insurance and your policy has been paid in full, you can make a claim anytime after the 21 day no claim period has expired.
  
  
  

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• Is there an Excess?
  Yes, an excess of $75.00 applies to each and every claim.
  
  
  

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• Can I cancel and get a full refund?
  Providing you inform us with twenty (20) days of inception of this policy and have not made a claim we will refund your payment in full minus a cancellation fee of $25.
  
  
  

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• Who is The Insurer?
  The insurer of this policy is certain underwriters at Lloyd's, London.
  
  Since the late seventeenth century, the name Lloyd's has been synonymous with insurance. Many of the world's leading underwriters are based at Lloyd's and this market is internationally renowned and has an impeccable claims record.
  
  Lloyd's is authorised under the Australian Insurance Act 1973 (Cth) to conduct insurance business in Australia. That Act establishes a system of financial regulation of general insurers in Australia.
  
  Lloyd's Australia's contact details:
  
  Lloyd's Australia Limited
  Suite 2, Level 21 Angel Place
  123 Pitt Street, Sydney 2000
  www.lloyds.com
  
  
  

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• How do I make a claim?
  Should you wish to make a claim simply call 02 8399 1838 during normal business hours and our claims management team will assist you.
  
  
  

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• What do I do if I have a complaint?
  Any enquiry or complaint relating to this insurance or services should in the first instance be referred to National Underwriting Agencies Pty Ltd (NUA) on 07 3309 9050. NUA's Complaints Manager who will handle your complaints or disputes about the insurance or services. Should the NUA Complaints Manager be unable to satisfactorily resolve your complaint or dispute they will advise you of the various external bodies available to assist you.
  
  
  

 

These FAQs are only a brief summary please refer the the Product Disclosure Statement for all details of this policy.