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

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

比较保险费
Compare premiums

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

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)

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)

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

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