When considering insurance options, we ensure the highest level of coverage for your
home, contents, fine art and jewellery as well as family protection and personal liability coverage, that remains relevant and true to your needs.
Important coverage considerations include:
Extended replacement cost coverage
Covering the full cost to rebuild your home after a covered loss even if this is more than the sum insured. So you are protected from the consequences of unintentionally under-insuring your home.
Cash settlement option
You can choose to receive cash if you decide not to rebuild your home or replace your possessions in the event of a covered loss.
Your choice of craftsmen
Obtain the ability to appoint your choice of contractors and craftsmen wherever possible, so you can control the specialist repair of your home or possessions.
Replacement cost on contents
When replacing your contents, coverage that pays you what it costs to replace the item today, up to your sums insured. So all your possessions, from clothing to sports equipment to valuable antiques are covered, without deduction for depreciation.
Worldwide cover for accidental loss and damage
Ensuring all your possessions are automatically covered wherever you are in the world for accidental loss or damage, even when you are travelling or your goods are in transit or in storage.
Environmental coverage
Helping you protect the environment with a range of green covers you can depend on. Such as covering environmental upgrade expenses following a covered loss to your plumbing, irrigation, water heating or energy system. Options are also available to reimburse your increased utility expenses or low power utility income following a covered loss to your solar power energy system.
Personal liability cover
Protecting you and your family with worldwide personal liability cover for a variety of circumstances where you are legally liable. For instance it will provide you with cover if a guest incurs an injury at your home and takes legal action against you.
Identity fraud cover
Someone stealing from your bank or credit card account, taking out loans or refinancing mortgages under your name are examples of one of the fastest growing white-collar crimes in Australia. Coverage can be included to protect you from financial losses that can result if someone assumes your identity for illicit purposes.
Cyber cover
There is an increasing level of threat of cyber related attacks on high net worth families. Coverage can be included to protect you from cyberbullying, cyber extortion, cyber financial loss and cyber breach of personal information.
Family protection cover
Family Protection cover to help defray the costs associated with recovery from certain crimes and incidents, including carjacking, child abduction, stalking threats, home invasion and aggravated assault.
