Personal Insurance

Policies which cover loss or damage to private motor vehicles, trailers and the like and include:

• Comprehensive Car Insurance – the most complete protection, covering against accident, fire, theft, and liability for damage to other cars and property.
• Preferred Driver – if you’re over the age of 24, and others under 24 won’t be driving the car, you can take out Comprehensive car insurance at a discounted price.
• Nominated Driver – offers Comprehensive insurance for a great price if there are no more than two drivers and the main driver is over the age of 21 and the second driver is over the age of 19.
• Third Party only – covers damage you may cause to another person’s car or property, but does not cover your own car. Uninsured Motorist benefit is included in this policy.
• Third Party, Fire & Theft – an extension of Third Party Only policy which also covers your car against fire and theft.

Insurance policies designed to cover accidental loss or damage to residential premises and their contents. Insurance cover for insured events including:

• Storm and flood
• Fire
• Lightning
• Burst pipes, leaks and overflows
• Theft damage
• Flood cover

Home and Contents policies include a range of common features, including:

• New for old replacement cover
• Valuable items cover
• Special benefits
• Liability cover

Policies for specialist home and contents insurance policies cater for:

• Heritage listed buildings
• Jewellery and other personal items
• Fine art, paintings, antiques or curios
• DVD and computer equipment
• Restoration and replacement of personal documents

Insurance policies which cover medical and repatriation expenses following injury or illness while travelling or working in Australia and overseas. Products can offer cover for various situations including:

• Cancellation
• Emergency assistance
• Emergency travel expenses and accommodation
• Lost or stolen luggage
• Most sporting activities
• Overseas medical and dental expenses
• Personal liability
• Repatriation
• Replacement of passport and other travel documents
• Travel delay

Strata Insurance provides cover for residential and commercial buildings (home units, villas or town houses, factories, offices) which are registered under strata or unit title legislation. You can insure the strata, group, body corporate or community titled residential building, or both the building and its common contents.

You are covered for accidental loss or damage to the building (including common areas), and accidental loss or damage to your Common Contents (if you choose this cover)

Commercial Strata insurance consists of different policies covering a wide range of risks including:

• Building and common contents
• Machinery breakdown
• Electronic equipment
• Voluntary workers accident only
• Fidelity guarantee
• Legal liability
• Strata council member legal liability

Residential Strata insurance consists of different policies covering a wide range of risks including:

• Building and common contents
• Machinery breakdown
• Electronic equipment
• Voluntary workers accident only
• Fidelity guarantee
• Legal liability
• Strata council member legal liability

Private pleasure craft insurance covers damage to private vessels and related equipment for unexpected events, like loss, theft, damage or the unforseen effects of violent weather. It also includes personal accident and legal liability cover for you and any person you allow to control your boat in Australian waters.

The following optional extras are also available to suit your individual needs:

• Yacht Racing Risk Extension – cover for loss or damage to your boat while racing.
• Water Skier Aqua Planer Extension – legal liability protection while waterskiing or aquaplaning behind your boat.
• Fishing, Diving & Water Sports Equipment Cover – for accidental loss or damage to your equipment while it is not in use.

Landlords insurance is designed for investment properties and covers for loss or damage caused by fire, storm, theft, vandalism and glass breakage. The policy also covers the structure of your investment home; from the walls and roof to the garage, outbuildings, fences, gates, perimeter walls and pool. You also have options to cover yourself against tenant vandalism, theft, and rental default.

Lenders Mortgage Insurance insures your lender against non-payment or default on your residential property loan. While it protects the lender against loss if you stop making your mortgage payments Lender’s Mortgage Insurance also makes it possible for purchasers to buy a home with as little as a 5 per cent deposit.

Insurance policies designed to cover loss or damage to Caravans and/or Trailers. Cover includes:

• Mobile cover – cover your caravan whilst on-site in a caravan park or at your home, but extends to include coverage whilst under tow within Australia
• On-site cover – cover for your caravan only when it’s permanently sited and usually immobilised at a caravan park.