Glossary

Caravan, camper trailer and trailer described on your certificate of insurance and its fixtures and fittings. This includes:

• annexes which are not in use and are locked in your caravan or camper trailer
• retractable awnings permanently attached to your caravan or camper trailer
• tropical and free standing roofs and garden sheds located on the site of the insured unregistered on-site caravan.

Money you are legally liable to pay as a result of:

• a judgement made against you by a court of law or
• a settlement by us of legal action against you.

It does not include fines, penalties, punitive, aggravated or exemplary damages.

Contents you own in your caravan or annexe or garden shed or annexe (located on the site of the insured unregistered on-site caravan) that are not fixtures or fittings and are described on your certificate of insurance. Contents do not include:

• food and beverages
• money, negotiable documents, cheques, credit cards, financial transaction cards, stamps, title deeds, passports, uncut gems or stones
• any collections or memorabilia
• mobile phones
• information stored electronically or any other way
• animals or plants
• musical instruments
• items used for business purposes
• motor vehicles, bikes and scooters (motorised or not), hang gliders, aircraft, aerial devices and their equipment
• watercraft, including surfboards, surf or water skis, sailboards and accessories.

You have a Duty of Disclosure to tell us everything you know or should know, that is relevant to our decision to insure anyone under the policy, including you, and on what terms.

It includes matters we specifically ask about when you apply for a policy, or renew or alter your policy, and any other matters which might affect whether we insure you and on what terms.

The information you tell us can affect:

• the amount of your premium
• if we will insure you
• if special conditions will apply to your policy.

You do not need to tell us of anything which:

• reduces the chances of you making a claim or
• we should know about because of the business we are in or
• we tell you we do not want to know.

If you are unsure it is better to tell us. If you do not tell us something which you know or should know is relevant, we might reduce a claim, refuse to pay a claim, cancel your policy or, if fraud is involved we can treat the policy as if it had never existed.

The excess:

• is the amount you have to pay for each incident if you make a claim,
• is deducted from the amount of cover provided by your policy.

The amount and type of excess that applies to your policy is shown on your Certificate of Insurance. We will deduct the excess from the amount of cover under your policy and then pay you, or we will ask you to pay the excess to a supplier, repairer or us.

Your spouse, your partner or your de facto who lives with you, your parents and parents-in-law, your or your spouse's children, your brothers and your sisters.

'Home' means your residential building and its domestic fixtures and domestic structural improvements, at the insured address, including:

• garages and other domestic outbuildings
• pergolas, patios, verandas, decking and fixed gazebos
• wallpaper, paint and coverings on walls or ceilings
• fixed floor coverings including linoleum (glued down or not), timber floor coverings but not carpets (whether secured to the floor or not) or floor rugs
• insulation for roofs or walls
• electrical and gas appliances, light fittings and alarm systems but only if these appliances are permanently connected or plumbed to the electricity or gas supply
• dishwashers that are housed in a purpose-built cupboard or bench
• swimming pools and spas in a permanent site and their accessories
• fixed:

- barbecues

- clothes lines

- external blinds, fixed shade sails

- awnings and fixed shade umbrellas

- aerials, fixed satellite dishes and

- masts

• garden borders, driveways, paths and paving
• walls, gates and up to 2 kilometres of fencing
• service pipes and cables that you own or are legally responsible for
• tennis courts
• boat jetties and pontoons
• unfixed home building materials and uninstalled home fittings.

The following office equipment if used for a business activity (part time or full time):

• computers, including laptops, electronic diaries, palm or pocket PCs, printers and scanners (but not software, games or stored media information)
• filing cabinets
• fax machines and photocopiers
• phones
• chairs, tables, desks and other office furniture
• office stationery.

A single occurrence or series of occurrences arising from the one event which is not intended or expected to happen by you.

For your Home, it means within your Home's domestic land boundaries located at the address shown on your Certificate of Insurance.

For a strata title or community title unit, it means in the unit you own or occupy.

Insurance cover we give you before your Certificate of Insurance is issued. When we issue your Certificate of Insurance, it will include the period of interim cover.

These Landlord's Fixtures and Fittings:

• floor coverings
• light fittings
• window coverings and
• other fixtures and fittings shown on your Certificate of Insurance.

Your fixtures and fittings in a unit

If you insure Landlord's fixtures and fittings in a unit, it includes:

• light fittings, wall paint, wall paper, wall coverings, floor coverings, e.g. floating floors, lino etc, a heater or airconditioning unit that you own.
• Make sure your Landlord's fixtures and fittings sum insured includes these fittings.

This is:

• replacing or repairing with new items or new materials that are available at the time of replacement or repair from Australian suppliers an
• new for old regardless of age, with no allowance for depreciation and of the same type, standard and specification as when new.

If the same is not available, it means of a similar type, standard and specification when new. New for old does not mean of a better standard, specification or quality than when new.

For obsolete electrical appliances

For obsolete electrical appliances, such as outdated computers or TVs, new for old means replacing or repairing to an equal specification.

If this is not available, it means to the nearest better specification available. It can be a different brand.

For paintings, pictures, works of art, sculptures, art objects, collections, memorabilia and antiques

For these items, new for old means that if the item cannot be replaced or repaired new for old, we will pay you what it would have cost to buy the item immediately before the loss or damage occurred, but we will not pay more than its sum insured for that item.

Extra cover than is already included in the standard policy.

You can ask us to add one or more optional covers to your policy for an extra premium. Sometimes an option might not be available. We will tell you if this is the case.

If you choose and pay for an option:

• that option will be shown as covered on your Certificate of Insurance and
• you will be covered for loss, damage or injury:under that option and caused by an accident or incident in the period of insurance.

The time you are covered by this insurance. It is shown on your Certificate of Insurance.

The vehicle described on your certificate of insurance. It includes caravans and trailers. It also includes the following accessories if they are in or on your vehicle:

• baby capsule/car seats
• bicycle carriers
• bonnet protector
• cargo barrier
• cruise control
• dash mats
• decorative wheel trims
• fire extinguisher
• floor mats
• headlamp guards
• motor cycle helmets, gloves, or associated riding clothes up to a maximum of $350 in total (if we pay a claim covering your motor cycle)
• mud flaps
• panel/rust protection
• paint protection
• pinstriping/decals
• protective mouldings
• rear louvre sunshade
• commercial or vehicle-related signage (up to $300)
• spare wheel cover
• registration plate covers
• seat covers
• side steps for a 4WD
• standard sound systems (fitted as standard by manufacturer)
• steering locks
• tools supplied as standard by the vehicle manufacturer or similar replacements
• tow bars
• weather shield

It also includes the following caravan and trailer fixtures and fittings:

• stoves and ovens
• electrical or gas appliances
• air conditioners
• furniture
• fly screens
• curtains and their fittings
• water tanks and pumps
• generator plant and bottled gas cylinders

Other vehicle accessories or modifications are included if we have agreed to insure them as part of your vehicle and they are shown on your certificate of insurance.