Youi NZ

Home Building and Contents

Bottom line: Youi’s comprehensive house and contents policies have a standard excess of $625 and a 20-day cooling-off period.

更新日期 2016-09-02

Policy

保险商
Underwriter

Youi NZ

保险商评级
Underwriter's financial strength rating

B++

独立投诉机构
Independent complaints organisation

Insurance & Savings Ombudsman

电话
Phone

0800 009 684

等待期
Cooling-off period

20

Excesses

垫底费-房子
Standard excess - house

$625

垫底费-财产
Standard excess - contents

$625

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

$625

Premiums

比较保险费
Compare premiums

Main cover - house

个人财物 房子
Personal liability - house policy

Up to $20 million

临时住处
Temporary accommodation

Up to 1% of sum insured per month plus $250 for pets (capped at 12% and $2500 respectively)

休闲用品
Recreational features

Yes ("permanently attached fixtures"); swimming pools not covered for accidental damage

挡土墙
Retaining walls

Yes

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 $7500 if caused by escaping water

钥匙和锁
Keys and locks

No (covered under contents)

花园/盆景
Landscaping

No

后通货膨胀保险
Post-event inflation protection

No

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

No

Main cover - contents

个人财物
Personal liability - contents policy

Up to $20 million

房主临时住处
Temporary accommodation for homeowners following loss

Up to 1% of sum insured per month plus $250 for pets (capped at 12% and $2500 respectively)

租客临时住处
Temporary accommodation for tenants following loss

Up to 30 days, but only in cases of emergency evacuation; doesn't include pets

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

Not covered

Specific items

自行车
Bicycles

Replacement value up to $15,000 at home unless otherwise specified; up to $1000 per item ($5000 total) away from home unless otherwise specified (optional extra)

书籍
Books

Replacement value

相机及附件
Cameras and accessories

Replacement value up to $15,000 at home unless otherwise specified; up to $1000 per item ($5000 total) away from home unless otherwise specified (optional extra)

地毯及附件
Carpets and floor coverings - unfixed

Replacement value

CD/DVD
CDs and DVDs

Replacement value up to $50 per item (unless you prove higher value)

衣服和鞋子
Clothing and footwear

Replacement value up to $15,000 at home unless otherwise specified; up to $1000 per item ($5000 total) away from home unless otherwise specified (optional extra)

收藏品(邮票)
Collections (eg stamps)

Coins excluded. Otherwise, replacement value up to $15,000 at home unless otherwise specified; up to $1000 per item ($5000 total) away from home unless otherwise specified (optional extra)

电脑及软件
Computers and computer software

Replacement value up to $15,000 at home unless otherwise specified; up to $1000 per item ($5000 total) away from home unless otherwise specified (optional extra)

包括信用卡
Credit card cover

No

珠宝及手表
Jewellery and watches

Replacement value, but must specify either individual items or lump-sum; cover outside home is an optional extra and limited to $1000 per item ($5000 total) unless otherwise specified

手机
Mobile phones

Replacement value (optional extra, but also covers phone while overseas)

现金
Money

No

摩托车及附件
Motor vehicle parts and accessories

No

运动器材
Sporting equipment

Replacement value up to $15,000 at home unless otherwise specified; up to $1000 per item ($5000 total) away from home unless otherwise specified (optional extra)

艺术品
Works of art

Replacement value up to $15,000 at home unless otherwise specified

Additional cover - contents

海外用过的物品
Contents used overseas

Indefinitely in Oz and up to 45 days elsewhere (optional extra)

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

Up to $7500 if caused by escaping water

家用办公室用品
Home office and professional equipment

Up to $1000 per item ($5000 total) for "tools of trade" (optional extra, but also covers tools while overseas)

钥匙和锁
Keys and locks

Up to $500 (after excess)

搬家
Moving contents to a new address

Up to 20% of sum insured for defined events while moving to a new address

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

No