AMI 保险公司

Premier House and Advanced Contents Cover

AMI的综合房屋保险和财产垫底费分别为400纽币和250纽币。 这个保险等待时间大概为15天。 AMI multisaver为您省钱。我们的营业部和代理机构遍布新西兰各地,而且我们的两个联络中心提供每周7天、每天24小时开通的服务。AMI Assist设有客服专线,每周7天、每天24小时随时向您提供建议和协助。我们荣获由Standard & Poor’s (Australia) Pty Ltd评估颁布的AA-(非常强)信用评级.

更新日期 2016-11-14

Policy

保险商
Underwriter

AMI Insurance (owned by IAG)

保险商评级
Underwriter's financial strength rating

A-

独立投诉机构
Independent complaints organisation

Insurance & Savings Ombudsman

电话
Phone

0800 100 200

等待期
Cooling-off period

15

Excesses

垫底费-房子
Standard excess - house

400

垫底费-财产
Standard excess - contents

250

垫底费-不包括EQC
Standard excess for damage exempt under EQC cover

Higher of $5000 or other applicable excess

Premiums

比较保险费
Compare premiums

Main cover - house

个人财物 房子
Personal liability - house policy

Up to $1 million

临时住处
Temporary accommodation

Up to $20,000 over 12 months; includes pets

休闲用品
Recreational features

Up to $40,000 unless otherwise specified

挡土墙
Retaining walls

Up to $20,000 unless otherwise specified

Additional cover - house

下水道堵塞
Blocked water or sewage pipes

No

由内水管废水管的隐性损伤
Hidden gradual damage caused by internal water pipe, waste pipe or cylinder

Up to $1500 per claim if caused by leaking internal water pipe or waste pipe

钥匙和锁
Keys and locks

Up to $1000 (no excess)

花园/盆景
Landscaping

No

后通货膨胀保险
Post-event inflation protection

Up to 10%

减少多余的玻璃或卫生设备
Reduced excess for glass or sanitary fixtures

Optional extra (no excess)

Main cover - contents

个人财物
Personal liability - contents policy

Up to $1 million

房主临时住处
Temporary accommodation for homeowners following loss

Up to 25% of sum insured over 6 months; includes pets

租客临时住处
Temporary accommodation for tenants following loss

Up to 25% of sum insured over 6 months; includes pets

去除,返回和储存物品
Removal, return and storage of contents following loss

Up to $2000 for removal, return and storage (at approved facility)

Specific items

自行车
Bicycles

Present value

书籍
Books

Replacement value

相机及附件
Cameras and accessories

Replacement value up to $2000 unless otherwise spe

地毯及附件
Carpets and floor coverings - unfixed

Replacement value up to 10 years old; matching carpet in other rooms (optional extra)

CD/DVD
CDs and DVDs

Replacement value

衣服和鞋子
Clothing and footwear

Present value

收藏品(邮票)
Collections (eg stamps)

Up to $2000 per stamp, medal, coin or telephone card collection unless otherwise specified

电脑及软件
Computers and computer software

Replacement value for computers; present value for software

包括信用卡
Credit card cover

Up to $1000 if card used fraudulently

珠宝及手表
Jewellery and watches

Present value up to $1000 per item unless otherwise specified; $15,000 total per claim unless otherwise specified

手机
Mobile phones

If total loss, new phone to use with or without existing contract (whichever is cheaper)

现金
Money

Up to $250

摩托车及附件
Motor vehicle parts and accessories

NO

运动器材
Sporting equipment

Present value

艺术品
Works of art

Replacement value up to $2000 unless otherwise specified

Additional cover - contents

海外用过的物品
Contents used overseas

NO

垫底费 需要眼镜,牙套和助听器
Excess charged for spectacles, dentures and hearing aids

Yes

下水道等长期一起的
Hidden gradual damage caused by water pipe, waste pipe or cylinder

NO

家用办公室用品
Home office and professional equipment

Up to $1500 for "business equipment" used at home

钥匙和锁
Keys and locks

Up to $500 (no excess)

搬家
Moving contents to a new address

Defined events while moving to a new address

学生财物在学校
Students' contents at tertiary institution

NO

介绍

对于您的家居财物和个人物品,以及与您永久同住的直系亲属的个人物品,我们都能提供承保

三类财产保险险种可供选择

高级保险 (Advanced cover) 本险种为大部分家居物品提供维修或替换保险,不设使用年数限制,而且包含一系列优惠的免费承保项。
优选保险 (Premier cover),这是很多人选择的险种,可按照规定的使用年限为大部分主要的家居物品提供维修或替换保险。
标准保险 (Standard cover),本险种在出现被盗、火灾和水灾等多种情况时,根据家居物品的市值,提供损失或损害赔偿保险

轻松支付保费
我们提供按年度、季度和月度付费的选择,此外还提供多种多样的付费方式

选择投保最适合您的房屋保险,让您安心无忧

    • 临时住宿
    • 地震附加保险
    • 隐蔽慢性损毁
    优选保险 (Premier cover) 本险种按照承保总额上限,为您的房屋提供修缮或重建保险。这项保险还包含优惠的附加及免费承保项。

      • 挡土墙保险,最高承保总额为$20,000
      • 休闲设施保险,最高承保总额为$40,000
      • 可按您的要求追加挡土墙和休闲设施的承保额
      • 可安排特殊设施 (Special Features) 成为可选承保项
      市值保险 (Market value cover)本险种更加经济实惠,按照承保总额上限,仅为您的房屋提供市值保险(不含宅地)。
      • 可安排挡土墙、休闲设施和特殊设施成为可选承保项