AA

HomeCover and ContentsCover

Bottom line: AA’s comprehensive house and contents policies have standard excesses of $400 and $300 respectively. The policies have a 14-day cooling-off period.

更新日期 2016-09-05

Policy

保险商
Underwriter

AA Insurance

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 500 213

等待期
Cooling-off period

14

Excesses

垫底费-房子
Standard excess - house

400

垫底费-财产
Standard excess - contents

300

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

5000

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

Yes

挡土墙
Retaining walls

Up to $10,000 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 $2000 if caused by leaking internal water pipe or cylinder

钥匙和锁
Keys and locks

Yes (excess applies)

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 $1 million

房主临时住处
Temporary accommodation for homeowners following loss

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

租客临时住处
Temporary accommodation for tenants following loss

Difference between old and new rent for up to 1 month; includes pets

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

Reasonable cost for removal and return of contents, but not storage

Specific items

自行车
Bicycles

Replacement value up to $2000 unless otherwise specified (but not covered while in use off-road)

书籍
Books

Replacement value

相机及附件
Cameras and accessories

Replacement value up to $1500 unless otherwise specified

地毯及附件
Carpets and floor coverings - unfixed

Replacement value

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 item unless otherwise specified; $5000 total per event unless otherwise specified

电脑及软件
Computers and computer software

Replacement value up to $5000 for computers; replacement value for software

包括信用卡
Credit card cover

No

珠宝及手表
Jewellery and watches

Replacement value up to $2000 per item unless otherwise specified; $5000 total per event unless otherwise specified

手机
Mobile phones

Replacement value up to $1500 unless otherwise specified

现金
Money

Up to $500

摩托车及附件
Motor vehicle parts and accessories

Replacement value provided parts aren't in or attached to your car

运动器材
Sporting equipment

Replacement value

艺术品
Works of art

Replacement value up to $2000 per item unless otherwise specified; $5000 total per event 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

Up to $2000 if caused by leaking internal water pipe or cylinder

家用办公室用品
Home office and professional equipment

Up to $1000 for "business tools" used at home or outside home

钥匙和锁
Keys and locks

No

搬家
Moving contents to a new address

Defined events while moving to new address

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

NO