Standard Cover Benefits Cover Details
Cover for insured events   Cover for specific insured events such as fire, theft and storm. See PDS for full list of events.
Compensation for death Up to $10,000 Payment to your estate in the event you suffer fatal injury at your address as a result of visible bodily injury caused by burglars, housebreakers or fire, and your death occurs within 90 days of the injury.
Legal Liability See PDS for specific level of cover You are covered in the event that you are held legally liable for personal injury or property damage.
Reinstatement of sum insured after a loss   If your sum insured or limit of liability is reduced because of any claim for loss, damage or liability which we have settled, we will automatically reinstate your sum insured or limit of liability from the date of the loss.
Removal of debris, professional fees and extra costs   If we agree to pay your building claim, we will also pay for the demolition and removal of debris, professional fees for architects and engineers etc and meeting requirements of any statutory authority.
Replacement of locks or cylinders See PDS for specific level of cover If the key for the lock of any external door or window at your address is stolen or there are reasonable grounds to believe they have been duplicated, we will pay for the replacement of the lock(s) or cylinder(s) operated by the key(s).
Building Cover Benefits Cover Details
Continuation of cover when you are selling your buildings   If buildings under this policy are damaged or lost and a contract of sale has been entered into, we will cover any loss or damage to your buildings, up to the sum insured, if your policy is still current.
Environmental benefits Up to $5,000 If your building has been totally destroyed and we have agreed to rebuild, we will pay the cost to install items such as rainwater tanks and grey water recycling systems etc.. See PDS for list of items covered.
Landlord's contents   If the buildings are rented to tenants, we will pay to repair or replace carpet, loose floor coverings, curtains and internal blinds damaged as a result of an insured event. Only availbale where buildings cover only is taken.
Modifications to house due to paraplegia and quadriplegia Up to $10,000 Cover for the cost of modifying your buildings on confirmation of your permanent paraplegia or quadriplegia by a registered medical practitioner.
Mortgage discharge costs Up to $5,000 Reimbursement for reasonable legal costs for the discharge and replacement of your mortgage(s) including legal fees and statutory government charges, if your buidlings are totally destroyed.
Rental costs   If the buildings are damaged by an event meaning you cannot live in them, we will pay your rental costs up to the lesser of when your buildings are reinstated or 12 months.
Contents Cover Benefits Cover Details
General contents - i.e. carpets, curtains, clothing, personal effects, sporting equipment, computers. See individual PDSs for full listing of inclusions   Contents mean property which belongs to you, or for which you are legally reponsible. See PDS for full list of general contents, and below for contents with specific limits. NOTE: Some items have specificied limits of cover as detailed in the PDS. To insure there items for more than the standard policy limits, you can have them listed as specified contents items on your Policy Schedule.
Additional cost of temporary accommodation See PDS for specific level of cover If your buildings are damaged by an insured event to such an extent that you can't live in them and you take temporary accommodation elsewhere, we will pay your rental and other related costs which you have to incur at the location of your temporary accommodation, which are in addition to the costs you would have had to incur if you continued to live at your risk address.
Change of risk address   Cover for contents at either your current or new risk address, providing you notify us of the change of address within 14 days of moving.
Contents in safe deposit box
Up to 20% of contents sum insured
  Cover for accidental loss or damage of contents when they are kept in a safe deposit box at a bank. See PDS for cover limits.
"Contens in the open air (i.e. garage).
Sub-limits for selected contents based on insured loss or damage"
  Cover for contents when they are in the open air at your risk address. See PDS for cover limits.
Credit Cards See PDS for specific level of cover Cover for your credit card or other automatic teller machine card if it is lost or stolen during the period of insurance and you are legally liable to pay for credit given to anyone who has found or stolen your card.
Emergency storage of contents   If the buildings you live in at the risk address are damaged by an event covered by this policy to such an extent they cannot be lived in by you, we will pay the reasonable costs to move and store your contents while the buildings are being repaired or rebuilt for a maximum period of 12 months
Guests', visitors' or domestic helpers' property Up to $5,000 Cover for property belonging to your guests, visitors or domestic helpers lost or damaged by an event covered by this policy, provided we would have paid the claim if the lost or damaged property had belonged to you.
Security firm attendance Up to $500 Payment towards any fees or charges incurred for a security firm to attend the risk address in response to a monitored alarm signal if we have agreed to pay a claim for burglary, housebreaking or theft.
Temporary removal of contents from your risk address
(Up to 20% of contents sum insured)
Yes Cover for contents for loss or damage by an insured event when they are temporarily removed from your risk address to another location for a maximum period of 90 days. See PDS for limits.
Title deeds Up to $2,000 Covers the cost of preparing new title deeds for your address if they are lost or damaged by an event while they are at your risk address or are held in a secure envelope or a safe deposit box at a bank.
Veterinary Costs Up to $500 Cover for veterinary expenses related to the treatment of any cat or dog that is owned by you if it is injured in a road accident.
Additional Cover Option: Fusion Cover Details
Fusion If 'Fusion' or 'Accidental Loss or Damage' cover selected Your electrical motors will be covered if they are damaged by an electric current.
Compensation for fracture If 'Fusion' or 'Accidental Loss or Damage' cover selected Automatically added when you select 'Fusion' or 'Accidental Loss or Damage' cover option.
Payment if you suffer a fracture casued soley and directly by violent, accidental, external and visible means. See PDS for list of fractures, benefit limits, and conditions.
Landscaping If 'Fusion' or 'Accidental Loss or Damage' cover selected Automatically added when you select 'Fusion' or 'Accidental Loss or Damage' cover option.
Cover for landscaping costs including the replacement of fixed trees, plants and shrubs that have been lost or damaged by an insured event.
Spoilage of perishable food If 'Fusion' or 'Accidental Loss or Damage' cover selected Automatically added when you select 'Fusion' or 'Accidental Loss or Damage' cover option.
Payment for spoilage of perishable food in a refrigerator or freezer caused by breakdown, failure or failure of the public electricity supply.
Tax audit If 'Fusion' or 'Accidental Loss or Damage' cover selected Automatically added when you select 'Fusion' or 'Accidental Loss or Damage' cover option.
Payment for Accountant's fees that you reasonably incur with our consent as a result of your personal taxation affairs being audited by the Australian Taxation Office.
Additional Cover Option: Accidental Loss or Damage Cover Details
Accidental loss or damage If 'Accidental Loss or Damage' cover selected In addition to insured events, your building and/or contents will be covered in the event of accidental loss or damage. See PDS for full description.
If you select 'Accidental Loss of Damage' cover you will automatically receive our Fusion of Electrical Motors cover also.
Compensation for fracture If 'Fusion' or 'Accidental Loss or Damage' cover selected Automatically added when you select 'Fusion' or 'Accidental Loss or Damage' cover option.
Payment if you suffer a fracture casued soley and directly by violent, accidental, external and visible means. See PDS for list of fractures, benefit limits, and conditions.
Fusion If 'Fusion' or 'Accidental Loss or Damage' cover selected Automatically added when you select 'Fusion' or 'Accidental Loss or Damage' cover option.
Your electrical motors will be covered if they are damaged by an electric current.
Landscaping If 'Fusion' or 'Accidental Loss or Damage' cover selected Automatically added when you select 'Fusion' or 'Accidental Loss or Damage' cover option.
Cover for landscaping costs including the replacement of fixed trees, plants and shrubs that have been lost or damaged by an insured event.
Legal defence costs If 'Accidental Loss or Damage' cover selected Automatically added when you select 'Accidental Loss or Damage' cover option.
Cover for legal fees, costs and expenses that you reasonably incur in defending legal proceedings brought against you by a third party in Australia during the period of insurance.
Spoilage of perishable food If 'Fusion' or 'Accidental Loss or Damage' cover selected Automatically added when you select 'Fusion' or 'Accidental Loss or Damage' cover option.
Payment for spoilage of perishable food in a refrigerator or freezer caused by breakdown, failure or failure of the public electricity supply.
Tax audit If 'Fusion' or 'Accidental Loss or Damage' cover selected Automatically added when you select 'Fusion' or 'Accidental Loss or Damage' cover option.
Payment for Accountant's fees that you reasonably incur with our consent as a result of your personal taxation affairs being audited by the Australian Taxation Office.
Transit to your new place of residence If 'Accidental Loss or Damage' cover selected Automatically added when you select 'Accidental Loss or Damage' cover option.
Cover for loss or damage to your contents caused by specfic events while in transit. See PDS for conditions and limits.

The above tables are a summary only. For full details of the terms and conditions and exclusions of cover options, please refer to the CCI Prestige Home Insurance, Classic Home Insurance and Vital Home Insurance Product Disclosure Statements.