Question | Default Answer |
Policyholder/occupant age |
50 |
- |
Flood cover? |
Yes |
Include flood cover |
Fusion covered? |
- |
Premiums for different coverage levels (where applicable) are collected for this site |
Accidental damage covered? |
- |
Premiums for different coverage levels (where applicable) are collected for this site |
Additional personal belongings / valuables cover? |
No |
For example, jewellery |
Claim history |
None in last 3 years |
- |
Years insurance held |
10 years (or maximum value allowed on the insurer's website) |
- |
Already covered under strata building insurance? |
No |
Applicable to building policies only |
Strata Title? |
No, Yes for Unit contents profiles |
Applicable to contents policies only |
Building Type |
Detached house (except for 'Unit' profiles) |
- |
Is someone usually home during the day? |
No |
That is, all occupants work/are out during the day |
Property usage |
Private |
- |
Restricted access to property? |
No |
- |
More than 5 people living at premises? |
No |
- |
Currently unoccupied? |
No |
- |
Currently under construction? |
No |
- |
Constructed in last 6 months? |
No |
- |
Condition of building/construction quality? |
Average/standard as default |
Sometimes varied to achieve required sum insured |
Does property have any unrepaired damage including storm? |
No |
- |
Has house been demolished/sold/relocated? |
No |
- |
Prior claim refused? |
No |
- |
Denied purchase/refused insurance? |
No |
- |
Criminal convictions/history? |
No |
- |
Previous insurer |
Other |
- |
Deadlocks |
Yes |
- |
Key operated window locks |
Yes |
- |
Smoke detector (back to base only) |
No |
- |
Dangerous substances stored on premise? |
No |
- |
Property below ground level |
No |
- |
On stilts |
No |
- |
Concierge |
No |
- |
Home safe |
No |
- |
Cover for portable contents? |
No |
Refer also to the comparison results for 'portable valuables' and 'items temporarily removed from the insured address' as these may be optional extras. |
RACQ membership |
No |
- |
Seniors card holder? |
No |
- |
Large site? |
No |
For example, a farm |
Water tanks? |
No |
- |
Tennis court? |
No |
- |
Architectural design? |
No |
- |
European appliances? |
No |
- |
Frameless shower screens? |
No |
- |
Granite/marble/stone tiling? |
No |
- |
Large windows? |
No |
- |
Plantation shutters? |
No |
- |
Curved walls? |
No |
- |
Ducted air conditioning? |
No |
- |