Ozicare Home & Contents Insurance

Policy and service features

• Days unoccupied until cover stops

  60

• Underinsurance protection

  Optional extra

• New for old

• Basic excess from

  $100

• Choice of excess

• Pay monthly at no cost

• Discounts

  25%

• Service 24 7

• Away from home

  Up 90 days, up to 20% of SI

• Open air contents

  Up to $1,000

• Legal liability cover

  Up to $20,000,000

• Other benefits

  Receive a $150 gift card when you buy a combined home&contents insurance policy before 31 October 2016.

• Other restrictions

Events

• Accidental loss and damage

  Optional extra

• Accidental breakage of glass

• Fire

• Lightning

• Storm

• Flood

  Optional extra

• Earthquake

• Fusion

  Optional extra

• Power surge

  Yes - if causes motor burnout

• Explosion

• Escape of liquid

• Storm surge

• Impact damage

• Theft or burglary

• Malicious acts and vandalism

• Riots and civil commotion

Buildings

• Buildings and structural improvements

• Building materials

  Up to $1,000

• Landscaping

• Gates and fences

Contents

• Cash

  Up to $500

• Credit card

  Up to $1,000

• Cd dvd and electronic files

  Up to $2,500

• Computer software hardware

• Camera and accessories

  Optional extra

• Carpets

• Handwoven carpets

  Up to $2,000 per item

• Antiques and valuables

  Up to $5,000 per item, up to $10,000; up to $2,000 for collections

• Jewellery

  Up to $1,000 per item, up to $3,000

• Uncut gems

• Replacement of documents

• Identity theft

• Personal medical equipment

• Tools of trade

  Up to $2,000

• Stock and inventory

• Home office contents

  Up to $10,000

Other cover

• Death and injury

  Up to $5,000 for funeral or injury

• Veterinary expenses

• Lock replacement

  Up to $500

• Temporary accommodation

  Up to 10% of SI

• Temporary accommodation for pets

• Emergency storage

• Debris removal

  Up to 10% of SI combined with demolition cost

• Demolition cost

  Up to 10% of SI combined with removal of debris

• Temporary repairs

• Changing address

• Contents while moving

  Up to 20% of SI