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					ANZ Landlord Insurance
   ProduCt dIsCLosure stAtemeNt ANd
   PoLICy doCumeNt | 20 NOvEMBEr 2010
ANZ Landlord Insurance Pds and Policy document

the purpose of this Pds and Policy document
This combined Product Disclosure Statement (PDS) and Policy document has been
designed to help you understand ANZ Landlord Insurance so you can get the most
out of your Policy.
This PDS contains detailed information about ANZ Landlord Insurance, including
when you are covered, when you are not covered, and maximum cover limits. We
have also included a glossary on pages 56–58 to describe words with a special
meaning. To the extent that the content of this PDS could be construed as general
advice, it does not take into account your personal objectives, financial situation or
needs (“personal circumstances”). You should consider the appropriateness of the
information, having regard to your personal circumstances.
When you take out ANZ Landlord Insurance, we agree to provide the cover described
in your current Schedule and in this PDS, as well as in any Supplementary PDS we
may issue. Together, these documents make up the terms and conditions of your
Landlord Insurance policy with us. We recommend that you read them carefully and
store them together in a safe place.
Each insurer takes full responsibility for this combined PDS and Policy document
which has been prepared and is provided in accordance with Australian laws only.

Issuers of this Pds
ANZ Landlord Insurance is co-issued by OnePath General Insurance Pty Limited
(ABN 56 072 892 365, AFSL 288160) (OnePath General Insurance) – phone 132 062,
and QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545)
(‘QBE’) – phone 133 723. Australia and New Zealand Banking Group Limited (ANZ)
is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth).
OnePath General Insurance is owned by ANZ – it is the issuer of the product but it
is not a Bank. This product is not a deposit or other liability of ANZ or its related
group companies and none of them stands behind or guarantees the issuer.
Contents
section                                              Page
Why choose ANZ Landlord Insurance?                      5

Choice of cover                                         6
Buildings cover                                         6
Contents cover                                          6

Buildings cover                                         8
What buildings we protect                               8
How much we will pay                                    9
When your buildings are protected                       9
Additional buildings benefits                          18

Contents cover                                         22
What contents we protect and how much will be paid     22
When your contents are protected                       24
Additional contents benefits                           32

Liability                                              35
What is liability cover?                               35
When is liability cover provided?                      35
How much is the cover?                                 35
Liability cover if you have insured your buildings     35
Liability cover if you have insured your contents      36

exclusions                                             37
General exclusions                                     37
Buildings and contents cover exclusions                37
Liability cover exclusions                             38

your premium                                           39
How we calculate your premium                          39
How to pay your premium                                39
Problems with paying your premium                      39
section                                               Page
your Policy                                            40
How to renew your Policy                                40
How to change your Policy                               40
How to cancel your Policy                               41
Cooling off period                                      41

Claims                                                  42
How to make a claim                                     42
Excesses                                                42
How we settle a buildings claim                         43
How we settle a contents claim                          45
How we settle a loss of rent claim                      46
How we settle a rent default claim                      46
How we settle a theft by a tenant claim                 46

Customer complaints                                     47
How to resolve a complaint or dispute                   47

our commitment to you                                  48
The General Insurance Code of Practice                  48
Privacy Statement                                       48
Updating our PDS                                        50
Financial Claims Scheme                                 50

your responsibilities to us                             52
Your duty of disclosure                                 52
Other conditions when you are insured with us           53
Conditions you must comply with when making a claim     53
Sanctions                                               53

How you can qualify for rebates                         54

Glossary                                                56
simple application process
If you are taking out a Policy with us for the first time, simply:
talk    to staff at any ANZ branch
Call    13 16 14 weekdays from 8am to 8pm (Sydney time)
Visit   anz.com
If we agree to insure you, you will be provided with a Schedule setting out
the details of your Policy.

For 24 hour claims service
Call    13 16 14
                                                                                             4–5
Why choose ANZ Landlord Insurance?

ANZ Landlord Insurance provides peace of mind and financial protection for your
residential investment property, containing a unique range of benefits including:
• rental income protection – we will automatically provide cover for a number of
  unfortunate instances including:
   – loss of rent due to damage by an insured event
   – loss of rent due to rent default
   – vandalism or malicious damage cover
   – loss of rent due to death of sole tenant
   – associated legal costs
• full buildings replacement cover – this means instead of asking you to estimate your
  buildings sum insured, we will automatically calculate the replacement value of your
  buildings at today’s prices and we will rebuild the buildings no matter what the
  subsequent costs, if they are totally destroyed in an insurable event and we accept your
  claim. In addition, we will automatically cover:
   – architects and surveyors and legal fees
   – demolition and removal of debris costs
•   cover against natural events (including flood)
•   accidental glass breakage and impact damage
•   electrical motor burn out and power surge
•   new for old replacement regardless of age
•   24 hour, 7 days claims assistance service
•   pay by the month at no extra cost.
In addition, we will also reward you with rebates once you have multiple policies with us,
and for remaining our customer over time. For more information refer to pages 54–55.
Discover these benefits and more in this PDS.
Choice of cover

With ANZ Landlord Insurance you can tailor your insurance and select a Policy for
buildings only, contents only or for combined buildings and contents. Your choice of
buildings and/or contents cover, will be listed on your current Schedule.

Buildings cover
Buildings cover provides cover for loss or damage to your buildings resulting from the
events listed on pages 8–17. For example, your building will be covered for storm damage.

Contents cover
Contents cover provides cover for loss or damage to your contents, resulting from the
events listed on pages 22–31. For example, your carpets will be covered for fire damage.
6–7
Buildings cover

What buildings we protect
We will cover residential buildings, located at the insured property address listed on your
Schedule, their fixtures and fittings and any structural improvements at your rental property.

 Buildings cover includes                            Buildings cover does not include
 residential buildings, including any                • A hotel, motel, nursing home, boarding
 professional offices or surgeries in                  house, display homes, buildings of flats or
 those buildings.                                      units (strata title or company title) or
                                                       buildings subject to community title
                                                     • A building or structure in the course of
                                                       construction, substantial alteration or
                                                       repair, or being demolished
                                                     • Building materials to be installed.

 Domestic outbuildings                               A caravan, trailer or their accessories.

 Fixed coverings to walls, floors                    Carpets, floating floorboards, curtains or
 and ceilings.                                       internal blinds (refer to pages 22–23 for
                                                     contents covered).

 Infrastructure for the supply of services,
 including electricity, gas, water, internet
 and telephone.

 Items built-in, fixed to, or on the buildings,
 e.g. an in-built air conditioner, light fittings.

 Blinds or awnings on the outside of
 the buildings.

 retaining walls, pathways or driveways              Pathways or driveways made of earth or gravel.

 Trees, plants or shrubs growing outdoors            • Lawn
 in the ground (refer to page 20 for benefits        • Plants or trees growing in pots and tubs
 and conditions).                                    • Landscaping.

 Anything permanently built, constructed
 or installed on your rental property for
 domestic purposes, including in-ground
 swimming pools and spas.
                                                                                                  8–9
How much we will pay
When you take out buildings cover based on information you give us when taking out this
Policy, we automatically calculate the replacement value of your buildings at today’s price.
This is called the sum insured and is listed on your Schedule.
If your buildings are damaged or are a total loss, the amount we will pay will be the total
amount required to repair or rebuild your rental property to the condition it was in just
before the loss or damage occurred, but not better, and this will not be limited to the
sum insured.
If you make a claim, you must pay any excesses that apply.

When your buildings are protected
The specific events that your buildings will be covered for are listed in the table below. This
cover is subject to the exclusions set out on pages 37–38.

 event                We will cover                         We won’t cover
 Accidental glass     Fixed glass in your buildings,
 breakage             including any window tinting or
                      shatter proofing material
                      attached to the glass.
                      Fixed shower bases, basins, sinks,
                      spas, baths and toilets.

 Burglary,            Any loss or damage as a result of     Loss or damage as a result of a
 break-in or theft    a burglary, break-in or theft or an   burglary, break-in or theft or an
                      attempted burglary, break-in or       attempted burglary, break-in or
                      theft. The burglary, break-in or      theft by:
                      theft or an attempted burglary,
                                                            • you
                      break-in or theft, must be
                      reported to the Police.               • a tenant
                                                            • someone else acting on
                                                              your behalf.

 Burning out          Cost to repair or replace an          Cost to repair or replace an
 (fusion) of an       electric motor that forms part        electric motor if it is older than
 electric motor       of your building if it burns out      15 years.
                      or fuses.
When your buildings are protected (continued)

 event               We will cover                      We won’t cover

 deliberate or       Loss or damage as a result of a    Loss or damage as result of a
 intentional acts    deliberate or intentional act.     deliberate or intentional act by:
                                                        • you
                                                        • a tenant or their visitors
                                                          except where provided by
                                                          the insured event of ‘Loss or
                                                          damage by a tenant or
                                                          their visitors’
                                                        • someone else acting on
                                                          your behalf.

 earthquake or       Loss or damage as a result of an   Loss or damage as a result of an
 tsunami             earthquake or tsunami. You must    earthquake or tsunami if the loss
                     pay an additional excess of $250   or damage occurs later than
                     for a claim for this event.        72 hours after the earthquake or
                                                        tsunami occurring.

 Fire or explosion   Loss or damage as a result of a    Loss or damage caused by a
                     fire or an explosion.              bushfire or grass fire that occurs
                                                        within 48 hours of the start date
                                                        of your Policy unless you took
                                                        out your insurance with us
                                                        immediately after:
                                                        • another insurance policy
                                                          covering the same buildings
                                                          expired, without a break in
                                                          cover
                                                        • the risk passed to you as
                                                          purchaser of your buildings.
                                                                                         10–11
event           We will cover                         We won’t cover

Impact damage   Loss or damage as a result of an      Loss or damage that is caused by
                impact caused by:                     any animal or bird eating,
                                                      chewing, clawing or pecking.
                • an aircraft, spacecraft or
                  satellite, or anything dropped
                  from them
                • a falling television or radio
                  antenna mast or dish
                • vehicles or watercraft
                • an animal or bird that is not
                  kept at your property
                • a falling tree or part of a tree.
                Cost of removing and disposing
                of the fallen tree or parts.

Landslide or    Loss or damage as a result of a       Any other erosion, subsidence,
subsidence      landslide or subsidence if the        landslide or earth movement
                loss or damage occurs within          event.
                72 hours of:
                •   an earthquake or tsunami
                •   explosion
                •   storm, rainwater, flood or wind
                •   liquid escaping from:
                     – a fixed pipe
                     – an object attached to a
                        pipe, fixed gutter, fixed
                        tank or a drain, or
                     – a standalone swimming
                        pool or a standalone
                        water tank.

Lightning or    Loss or damage as a result of a
thunderbolt     lightning strike or thunderbolt.
When your buildings are protected (continued)

 event            We will cover                           We won’t cover

 Loss or damage   Loss or damage caused by a              Damage from a tenant or their
 by a tenant or   tenant or their visitors, as a          visitors or their visitors’ pets,
 their visitors   result of:                              scratching, denting, chipping,
                                                          rubbing, scuffing or chafing
                  • accidental breakage of any:
                                                          any surface.
                     – fixed glass in your
                         buildings, including any         Loss or damage to buildings
                         window tinting or shatter        due to:
                         proofing material attached       • tenant neglect, carelessness,
                         to the glass                       poor housekeeping or
                     – fixed shower bases, basins,          unhygienic living habits
                         sinks, spas, baths and toilets   • damage occurring during
                  • fire or explosion, as described         maintenance or repair
                    on page 10                              operations carried out by the
                  • impact by a vehicle                     tenants or anyone acting on
                  • water or liquid that escapes            their behalf
                    from:                                 • damage caused by pets
                     – a fixed pipe or an object            belonging to tenants or their
                         attached to a pipe, fixed          visitors.
                         gutter, fixed tank or a drain
                     – a bath, basin, sauna, spa,
                         shower base or shower
                         wall, sink, toilet or tiled
                         floor that has drainage
                         holes
                     – a washing machine or
                         dishwasher
                     – an aquarium
                     – a waterbed
                     – a swimming pool
                  • a deliberate or intentional act,
                    vandalism or a malicious act.
                                                                                      12–13
event               We will cover                        We won’t cover

Power surge         Power surge to domestic            Any power surges caused at
                    equipment directly caused by an the site.
                    identifiable and verifiable source
                    outside your property including;
                    a lightning strike, an object
                    contacting power lines, the
                    resumption of power following a
                    blackout caused by a storm or
                    unexpected interference with a
                    power company transformer by
                    an animal.

rent default and    rent default for the weekly          rent default if:
theft by a tenant   amount your rental property is
                                                    • you have not taken all
                    leased for, up to $5,000, less any
                                                      reasonable steps legally
                    excess and bond money that
                                                      available to you under the
                    applies, if your tenant:
                                                      residential Tenancies Act, or
                    • leaves your rental property     other relevant State or
                      before the end of the tenancy   Territory Legislation, to
                      period of your rental           remedy non-payment and
                      agreement or periodic tenancy   evict the tenant
                      agreement, without giving you • the tenant has not breached
                      or your agent notice            your rental agreement or
                    • is legally evicted from your    periodic tenancy agreement
                      rental property               • the rental agreement could
                    • stops paying rent owed to you   have been legally terminated
                      or your agent.                  by you
                                                    • the rent is in arrears at the
                                                      commencement date of this
                                                      insurance
                                                    • you have made a claim under
                                                      the contents section of this
                                                      Policy for the same event.
When your buildings are protected (continued)

 event               We will cover                         We won’t cover

 rent default and    Will only commence when all           If your tenant leaves the building
 theft by a tenant   rent arrears have been paid, and      with, or without notice, and you
 (continued)         the tenant has paid a minimum         have failed to respond to a
                     of four consecutive weeks of the      ‘Notice to remedy Breach’ issued
                     agreed rent in accordance with        by the tenant to you.
                     the rental agreement.
                                                           When the term of your rental
                     Up to two weeks rent after a          agreement ends.
                     tenant vacates the building
                                                           Theft by a tenant if your
                     without notice when a rental
                                                           property does not have a valid
                     agreement defaults to a ‘periodic
                                                           tenancy agreement in force at
                     tenancy agreement’.
                                                           the time of the theft.
                     Up to two weeks rent after the
                     tenant vacates the building
                     when you or your agent issues a
                     notice to leave to a tenant.
                     Theft by a tenant or their visitors
                     only of:
                     • any part of your buildings, up
                       to the buildings sum insured,
                       as listed on your Schedule,
                       after deducting any excess
                       that applies, if you have
                       insured your buildings.
                                                                            14–15
event               We will cover                          We won’t cover

rent default and    If we have agreed to pay a rent
theft by a tenant   default or theft by a tenant claim
(continued)         we will also cover legal costs as a
                    result of rent default or theft by a
                    tenant, up to $5,000 (inclusive of
                    GST) you incur to:
                    • legally evict a tenant
                    • recover amounts owed to you
                      by a tenant, unless the legal
                      costs are solely to recover
                      excesses that apply to a claim
                      under this Policy
                    • recover amounts for items
                      stolen from your rental
                      property by a tenant or
                      their visitors.
                    We will only pay your legal costs
                    if we agree to pay them before
                    they are incurred.

riots or civil      Loss or damage as a result of
commotion           riots, civil commotion, or
                    industrial or political
                    disturbances.
When your buildings are protected (continued)

 event               We will cover                     We won’t cover

 storm, rainwater,   Loss or damage as a result of:    Water entering your buildings:
 flood or wind
                     • storm (including a named        • through an opening made for
                       cyclone)                          any building, renovation or
                     • rainwater                         repair work
                     • flood, or                       • because of a structural
                     • wind.                             defect, faulty design or
                                                         faulty workmanship.
                                                       Action by the sea.
                                                       High tide.
                                                       Storm surge except where
                                                       it happens at the same time
                                                       as flood.
                                                       Swimming pool covers,
                                                       including solar covers and
                                                       plastic liners.
                                                       Loss or damage caused by flood
                                                       or a named cyclone that occurs
                                                       within 48 hours of the start date
                                                       of your Policy unless you took
                                                       out your insurance with us
                                                       immediately after:
                                                       • another insurance policy
                                                         covering the same buildings
                                                         expired, without a break
                                                         in cover, or
                                                       • the risk passed to you as
                                                         purchaser of your buildings.

                     Free-standing gates and fences,   Free-standing gates and fences
                     but only if they have been        that are made of timber and are
                     installed and constructed         more than 15 years old.
                     according to the manufacturer’s
                     specifications.
                                                                                             16–17
event               We will cover                        We won’t cover

storm, rainwater,                                        Trees, plants and shrubs
flood or wind                                            except for the cost of removal of
(continued)                                              storm (including named cyclone),
                                                         rainwater, flood or wind damaged
                                                         trees, plants and shrubs.

Vandalism or a      Loss or damage as a result of        Loss or damage as a result of
malicious act       vandalism or a malicious act.        vandalism or a malicious act by:
                                                         • you
                                                         • a tenant or their visitors
                                                           except where provided by the
                                                           insured event of ‘Loss or
                                                           damage by a tenant or their
                                                           visitors’
                                                         • someone else acting on
                                                           your behalf.

Water or liquid     Loss or damage caused by             Your buildings for loss or
damage              water or liquid escaping from:       damage caused by water or
                                                         liquid entering your buildings:
                    • a fixed pipe or an object
                      attached to a pipe, fixed          • through an opening made for
                      gutter, fixed tank or a drain        any building, renovation or
                    • a bath, basin, sauna, spa,           repair work
                      shower base or shower wall,        • because of, a structural
                      sink, toilet or tiled floor that     defect, faulty design or
                      has drainage holes                   faulty workmanship.
                    • a washing machine or
                      dishwasher
                    • an aquarium
                    • a waterbed
                    • a swimming pool
                    • a standalone water tank.

                    Cost of finding where the water      Cost of repairing the item
                    or liquid escaped from,              from which the water or
                    including the cost of repairing      liquid escaped.
                    any damage that occurs while
                    looking for the cause.
Additional buildings benefits
ANZ Landlord Insurance includes a range of additional buildings benefits which are
automatically included in your Policy when you obtain buildings cover. The amount
we will pay is in addition to the sum insured.
If you make a claim under your buildings cover for additional buildings benefits, you
cannot claim the same loss or damage under additional contents benefits if you also hold
contents cover.
This cover is subject to the exclusions set out on pages 37–38.
 If you make a claim for an additional buildings benefit, you will not need to pay an excess.
The amounts we will pay and any limits that apply are listed in the table below and are
inclusive of GST.

 Additional           We will cover                        We won’t cover
 Benefits
 Architects,          reasonable costs of employing
 surveyors and        an architect or surveyor, and also
 legal fees           paying any legal fees that arise
                      from the rebuilding, if your
                      buildings suffer total loss or
                      damage as a result of an event we
                      have agreed to cover, and need to
                      be rebuilt as a result.

 demolition           reasonable costs to demolish and
 and removal of       remove any debris resulting from
 debris costs         loss or damage to your buildings
                      from an event that we have
                      agreed to cover.

 Loss of rent         Any loss of rent equal to the
                      weekly amount as stated on your
                      rental Agreement or Periodic
                      Tenancy Agreement for up to
                      12 months and a maximum of
                      $52,000 if your buildings or
                      sections of your buildings suffer
                      loss or damage and are
                      uninhabitable as a result.
                                                                                            18–19
Additional     We will cover                         We won’t cover
Benefits

Loss of rent   If we pay for loss of rent under
(continued)    your buildings cover we will not
               pay for the same event under
               your contents cover.

               When:                                 If your rental property is habitable
                                                     and you can safely gain access to
               • loss or damage to your
                                                     your rental property.
                 buildings occurs as a result of
                 an event as listed in this Policy   If the sole tenant has given
               • access to your rental               you or your agent notice in
                 property is prevented due           accordance with the rental
                 to loss or damage to other          agreement or periodic tenancy
                 property located near your          agreement prior to their death.
                 rental property.                    If your rental property is
               Any loss of rent for up to two        re-tenanted within the two
               weeks and a maximum of                week period.
               $2,000 after:
               • the death of a sole tenant that
                 occurs before the end of the
                 tenancy period of your rental
                 agreement or during a periodic
                 tenancy agreement. Cover will
                 start from the death of the
                 sole tenant
               • your rental agreement or
                 periodic tenancy agreement is
                 legally terminated by a
                 residential Tenancies Tribunal
                 or another relevant authority.
               Cover will start from when the
               Termination order issued by the
               residential Tenancies Tribunal
               or other relevant authority
               takes effect.
Additional buildings benefits (continued)

 Additional        We will cover                         We won’t cover
 Benefits

 mortgagee         reasonable legal costs associated
 discharge costs   with the discharge of any
                   mortgage you have left owing if
                   you make a claim for the total loss
                   of your buildings as a result of an
                   event we have agreed to cover
                   and the mortgage is discharged.

 replacing keys    reasonable costs of replacing
 and repairs to,   keys and repairs to, and/ or
 and/or recoding   recoding of locks and barrels if a
 of locks and      key to an external door or
 barrels           window lock of your buildings is
                   stolen or lost as a result of an
                   event we have agreed to cover.
                   Any theft must be reported to
                   the Police.

 trees, plants     Cost to replace any trees, plants     Loss or damage to lawn.
 and shrubs        or shrubs that are damaged or
 replacement       lost as a result of:
                   •   burglary, break-in or theft
                   •   fire or explosion
                   •   vandalism or a malicious act
                   •   impact damage.
                   We will pay up to $1,500.
20–21
Contents cover

What contents we protect and how much will be paid
We will cover the following household goods that:
• are not fixed or fitted to buildings; and
• you own or are legally responsible for.
When you take out contents cover, you must nominate the replacement value of your
contents at today’s prices. This is called the sum insured and is listed on your Schedule.
Each content item, pair, set, collection or system of items is covered up to the sum insured.

 Contents include                               Contents cover does not include
 Items thinly covered with gold or silver       Jewellery and watches.
 that are not jewellery or watches.
                                                Unset precious/semi-precious stones
                                                (whether or not thinly covered with gold
                                                or silver).

 Carpets, floating floorboards, curtains or
 internal blinds.

 Fixtures and fittings that you have            Fixtures and fittings that you have
 installed if you are the owner of a strata     installed if you are the owner of a strata title
 title unit.                                    unit that the body corporate or similar
                                                body has insured.

 Internal ceiling, floors, walls, doors and     Internal ceiling, floors, walls, doors and
 windows if you are the owner of a strata       windows if you the owner of a strata title
 title unit, if the body corporate or similar   unit, if the body corporate or similar body
 body has not insured them.                     has insured them.

 Household goods                                Clothing and personal effects.

 Furniture and furnishings that are             Fixtures, fittings, furniture and
 not built-in.                                  furnishings or other personal items
                                                owned by the tenant.

 Portable domestic appliances that are
 not built-in.

 Swimming pools, saunas and spas that
 are not built-in and their accessories.
                                                                                          22–23
Contents include                        Contents cover does not include

                                        Battery-powered items including:
                                        • audio visual equipment
                                        • camera equipment, including accessories
                                          and unprocessed film
                                        • electronic diaries
                                        • GPS (Global Positioning System device)
                                        • mobile, satellite or smart phones
                                        • portable computers
                                        • portable media players.

Plants and trees growing outdoors in    Plants and trees growing outdoors in
pots or tubs.                           the ground.

Lawn mowers including ride-on mowers.   Pedal cycles, motorcycles, mini-bikes,
                                        caravans, trailers, aircraft, watercraft, motor
                                        vehicles and their accessories.

                                        Sporting equipment.

                                        Consumables owned by the tenant.

                                        Money and negotiable documents.

                                        Collections of stamps, money, medals or
                                        other collectibles.

                                        Animals, including birds and fish.
When your contents are protected
The specific events that your contents will be covered for are listed in the table below.
This cover is subject to the exclusions set out on pages 37–38.

 event                We will cover                        We won’t cover
 Accidental glass     Loss or damage to:                   Any mirrors, glassware, crystal,
 breakage                                                  crockery that have been
                      •   mirrors
                                                           damaged while being used,
                      •   glassware                        cleaned or carried by hand.
                      •   crystal
                                                           Accidental breakage of fixed
                      •   glass in furniture.              shower bases, basins, sinks,
                      Accidental breakage of fixed         spas, baths and toilets if you are
                      shower bases, basins, sinks,         the owner of a strata title unit
                      spas, baths and toilets if you       that the body corporate or
                      have insured your contents.          similar body has insured.
                      When the item is chipped             Glass that is part of the
                      or fractured through its             television, computer screen or
                      entire thickness.                    monitor.

 Burglary,            Any loss or damage as a result       Loss or damage as a result of a
 break-in or theft    of a burglary, break-in or theft     burglary, break-in or theft or
                      or an attempted burglary,            an attempted burglary, break-in
                      break-in or theft. The burglary,     or theft by:
                      break-in or theft or an
                                                           • you
                      attempted burglary, break-in
                      or theft, must be reported to        • a tenant
                      the Police.                          • someone else acting on
                                                             your behalf.

 Burning out          Cost to repair or replace an         Cost to repair or replace an
 (fusion) of an       electric motor if it burns out       electric motor if it is older than
 electric motor       or fuses.                            15 years old.
                                                                                               24–25
event               We will cover                         We won’t cover

deliberate or       Loss or damage as a result of a       Loss or damage as result of a
intentional acts    deliberate or intentional act.        deliberate or intentional act by:
                                                          • you
                                                          • a tenant or their visitors
                                                            except where provided by the
                                                            insured event of ‘Loss or
                                                            damage by a tenant or their
                                                            visitors’
                                                          • someone else acting on
                                                            your behalf.

earthquake or       Loss or damage as a result of         Loss or damage as a result of an
tsunami             an earthquake or tsunami.             earthquake or tsunami if the loss
                    You must pay an additional            or damage occurs later than
                    excess of $250 for a claim for        72 hours after the earthquake or
                    this event.                           tsunami occurring.

Fire or explosion   Loss or damage as a result of a       Loss or damage caused by a
                    fire or an explosion.                 bushfire or grass fire that occurs
                                                          within 48 hours of the start date
                                                          of your Policy unless you took
                                                          out your insurance with us
                                                          immediately after:
                                                          • another insurance policy
                                                            covering the same buildings
                                                            expired, without a break
                                                            in cover
                                                          • the risk passed to you as
                                                            purchaser of your buildings.

Impact damage       Loss or damage as a result of an      Loss or damage that is caused
                    impact caused by:                     by any animal or bird eating,
                                                          chewing, clawing or pecking.
                    • an aircraft, spacecraft or
                      satellite, or anything dropped
                      from them
                    • a falling television or radio
                      antenna mast or dish
                    • vehicles or watercraft
                    • an animal or bird that is not
                      kept at your property
                    • a falling tree or part of a tree.
When your contents are protected (continued)

 event            We will cover                      We won’t cover

                  Cost of removing and disposing
                  of the fallen tree or parts.

 Landslide or     Loss or damage as a result of a    Any other erosion,
 subsidence       landslide or subsidence if the     subsidence, landslide or
                  loss or damage occurs within       earth movement event.
                  72 hours of:
                  • an earthquake or tsunami
                  • explosion
                  • storm, rainwater, flood
                    or wind
                  • liquid escaping from:
                     – a fixed pipe
                     – an object attached to a
                        pipe, fixed gutter, fixed
                        tank or a drain, or
                     – a standalone swimming
                        pool or a standalone
                        water tank.

 Lightning or     Loss or damage as a result of a
 thunderbolt      lightning strike or thunderbolt.
                                                                                          26–27
event            We will cover                        We won’t cover

Loss or damage   Loss or damage caused by             Damage from a tenant or their
by a tenant or   a tenant or their visitors, as       visitors or their visitors’ pets,
their visitors   a result of:                         scratching, denting, chipping,
                                                      rubbing, scuffing or chafing
                 • accidental breakage of any:
                                                      any surface.
                    – fixed glass in your
                        buildings, including any      Loss or damage to contents
                        window tinting or shatter     due to:
                        proofing material             • tenant neglect, carelessness,
                        attached to the glass           poor housekeeping or
                    – fixed shower bases,               unhygienic living habits
                        basins, sinks, spas, baths    • damage occurring during
                        and toilets                     maintenance or repair
                 • fire or explosion, as described      operations carried out by the
                   on page 25                           tenants or anyone acting on
                 • impact by a vehicle                  their behalf
                 • water or liquid that               • damage caused by pets
                   escapes from:                        belonging to tenants or
                    – a fixed pipe or an object         their visitors.
                        attached to a pipe, fixed
                        gutter, fixed tank or a
                        drain
                    – a bath, basin, sauna, spa,
                        shower base or shower
                        wall, sink, toilet or tiled
                        floor that has drainage
                        holes
                    – a washing machine
                        or dishwasher
                    – an aquarium
                    – a waterbed
                    – a swimming pool
                 • a deliberate or intentional act,
                   vandalism or a malicious act.
When your contents are protected (continued)

 event               We will cover                        We won’t cover

 Power surge         Power surge to domestic              Any power surges caused at
                     equipment directly caused by         the site.
                     an identifiable and verifiable
                     source outside your property
                     including; a lightning strike, an
                     object contacting power lines,
                     the resumption of power
                     following a blackout caused by
                     a storm or unexpected
                     interference with a power
                     company transformer by
                     an animal.

 rent default and    rent default for the weekly          rent default if:
 theft by a tenant   amount your rental property is
                                                          • you have not taken all
                     leased for, up to $5,000, less any
                                                            reasonable steps legally
                     excess and bond money that
                                                            available to you under the
                     applies, if your tenant:
                                                            residential Tenancies Act, or
                     • leaves your rental property          other relevant State or
                       before the end of the tenancy        Territory Legislation, to
                       period of your rental                remedy non-payment and
                       agreement or periodic                evict the tenant
                       tenancy agreement, without         • the tenant has not breached
                       giving you or your agent             your rental agreement or
                       notice                               periodic tenancy agreement
                     • is legally evicted from your       • the rental agreement could
                       rental property                      have been legally terminated
                     • stops paying rent owed to            by you
                       you or your agent.                 • the rent is in arrears at the
                     Will only commence when                commencement date of this
                     all rent arrears have been             insurance
                     paid, and the tenant has paid        • you have made a claim under
                     a minimum of four consecutive          the building section of this
                     weeks of the agreed rent               Policy for the same event.
                     in accordance with the
                     rental agreement.
                                                                                         28–29
event               We will cover                       We won’t cover

rent default and    Up to two weeks rent after a        If your tenant leaves the
theft by a tenant   tenant vacates the building         building with, or without
(continued)         without notice when a rental        notice, and you have failed to
                    agreement defaults to a             remedy a ‘Notice to remedy
                    ‘periodic tenancy agreement’.       Breach’ issued by the tenant
                                                        to you.
                    Up to two weeks rent after the
                    tenant vacates the building         When the term of your rental
                    when you or your agent issues       agreement ends.
                    a notice to leave to a tenant.
                                                        Theft by a tenant if your
                    Theft by a tenant or their          property does not have a valid
                    visitors only of:                   tenancy agreement in force at
                                                        the time of the theft.
                    • your contents, up to the
                      contents sum insured, as
                      listed on your Schedule, after
                      deducting any excess that
                      applies, if you have insured
                      your contents.
                    If we have agreed to pay a rent
                    default or theft by a tenant
                    claim we will also cover legal
                    costs as a result of rent default
                    or theft by a tenant, up to
                    $5,000 you incur to:
                    • legally evict a tenant
                    • recover amounts owed to you
                      by a tenant, unless the legal
                      costs are solely to recover
                      excesses that apply to a claim
                      under this Policy
                    • recover amounts for items
                      stolen from your rental
                      property by a tenant or
                      their visitors.
                    We will only pay your legal
                    costs if we agree to pay them
                    before they are incurred.
When your contents are protected (continued)

 event               We will cover                    We won’t cover

 riots or civil      Loss or damage as a result of
 commotion           riots, civil commotion, or
                     industrial or political
                     disturbances.

 storm, rainwater,   Loss or damage as a result of:   Water entering your buildings:
 flood or wind
                     • storm (including a named       • through an opening made for
                       cyclone)                         any building, renovation or
                     • rainwater                        repair work
                     • flood, or                      • because of a structural defect,
                     • wind.                            faulty design or faulty
                                                        workmanship.
                                                      Action by the sea.
                                                      High tide.
                                                      Storm surge except where
                                                      it happens at the same time
                                                      as flood.
                                                      Swimming pool covers,
                                                      including solar covers and
                                                      plastic liners.
                                                      Loss or damage caused by flood
                                                      or a named cyclone that occurs
                                                      within 48 hours of the start date
                                                      of your Policy unless you took
                                                      out your insurance with us
                                                      immediately after:
                                                      • another insurance policy
                                                        covering the same contents
                                                        expired, without a break
                                                        in cover
                                                      • the risk passed to you as
                                                        purchaser of your buildings.
                                                                                           30–31
event             We will cover                        We won’t cover

Vandalism or a    Loss or damage as a result of        Loss or damage as a result of
malicious act     vandalism or a malicious act.        vandalism or a malicious act by:
                                                       • you
                                                       • a tenant or their visitors
                                                         except where provided by the
                                                         insured event of `Loss or
                                                         damage by a tenant or their
                                                         visitors’
                                                       • someone else acting on
                                                         your behalf.

Water or liquid   Loss or damage caused by             Your contents for loss or
damage            water or liquid escaping from:       damage caused by water or
                                                       liquid entering your buildings:
                  • a fixed pipe or an object
                    attached to a pipe, fixed          • through an opening made
                    gutter, fixed tank or a drain        for any building, renovation
                  • a bath, basin, sauna, spa,           or repair work
                    shower base or shower wall,        • because of a structural defect,
                    sink, toilet or tiled floor that     faulty design or faulty
                    has drainage holes                   workmanship when your
                  • a washing machine or                 buildings were constructed.
                    dishwasher
                  • an aquarium
                  • a waterbed
                  • a swimming pool
                  • a standalone watertank.

                  Cost of finding where the water      Cost of repairing the item
                  or liquid escaped from,              from which the water or
                  including the cost of repairing      liquid escaped.
                  any damage that occurs while
                  looking for the cause.
Additional contents benefits
ANZ Landlord Insurance includes a range of additional contents benefits which are
automatically included in your Policy when you obtain contents cover. The amount we will
pay is in addition to the sum insured.
If you make a claim under your contents cover for additional contents benefits, you cannot
claim the same loss or damage under additional buildings benefits if you also hold
buildings cover.
This cover is subject to the exclusions set out on pages 37–38.
 If you make a claim for an additional contents benefit, you will not need to pay an excess.
The amounts we will pay and any limits that apply are listed in the table below and are
inclusive of GST.

 Additional           We will cover                        We won’t cover
 Benefits

 Increase in sum      If we agree to pay you for a loss
 insured              to your contents for the total sum
                      insured, we will increase your
                      contents sum insured by the
                      amount the Consumer Price
                      Index (CPI) (all groups) has
                      increased since the start of your
                      current Period of Insurance, up to
                      the date of loss.

 Loss of rent         Any loss of rent equal to
                      the weekly amount as stated
                      on your rental Agreement or
                      Periodic Tenancy Agreement
                      for up to 12 months and a
                      maximum of $52,000 if your
                      buildings or sections of your
                      buildings suffer loss or damage
                      and are uninhabitable as
                      a result.
                                                                                    32–33
Additional     We will cover                      We won’t cover
Benefits

Loss of rent   When:                              If your rental property
(continued)                                       is habitable and you can
               • loss or damage to your
                                                  safely gain access to your
                 contents occurs as a result of
                                                  rental property.
                 an event as listed in this PDS
               • access to your rental
                 property is prevented due
                 to loss or damage to other
                 property located near your
                 rental property.

               Any loss of rent for up to two     If the sole tenant has given
               weeks and a maximum of             you or your agent notice in
               $2,000 after:                      accordance with the rental
                                                  agreement or periodic tenancy
               • the death of a sole tenant
                                                  agreement prior to their death.
                 that occurs before the end of
                 the tenancy period of your       If your rental property is
                 rental agreement or during a     re-tenanted within the two
                 periodic tenancy agreement.      week period.
                 Cover will start from the
                 death of the sole tenant

               • your rental agreement or
                 periodic tenancy agreement
                 is legally terminated by a
                 residential Tenancies Tribunal
                 or another relevant authority.
               Cover will start from when the
               Termination order issued by the
               residential Tenancies Tribunal
               or other relevant authority
               takes effect.
Additional contents benefits (continued)

 Additional        We will cover                         We won’t cover
 Benefits

 removal of        reasonable costs to remove
 debris costs      any debris resulting from loss
                   or damage to your contents
                   from an event that we have
                   agreed to cover.
                   We will pay up to 10% of the
                   contents sum insured.

 replacing keys    reasonable costs of replacing
 and repairs to,   keys and repairs to, and/ or
 and/or recoding   recoding of locks and barrels if
 of locks and      a key to an external door or
 barrels           window lock of your buildings
                   is stolen or lost as a result of an
                   event we have agreed to cover.
                   Any theft must be reported to
                   the Police.
                                                                                                     34–35
Liability cover

What is liability cover?
Liability cover insures you for claims made against you if you are legally liable for:
• the death or injury of another person, or
• the loss or damage of another person’s property
occurring during the period of insurance.

When is liability cover provided?
Liability cover is automatically included as part of your buildings or contents cover.
The cover provided varies if you have building cover, contents cover or both.
Your Schedule shows which covers you have.

How much is the cover?
We will pay up to $20 million for any one incident or series of incidents arising from the
same cause. This amount is inclusive of any legal and associated costs relating to the claim
made against you.
The cover provided is shown in the tables below, and any cover we provide is subject to
exclusions outlined on pages 37–38.

Liability cover if you have insured your buildings

 We will cover                                     We won’t cover
 We will cover you for the amount you are          Any incident which does not occur at
 liable to pay for a liability claim as owner of   your rental property.
 the building arising from an incident at
 your rental property.

 If your buildings are a total loss, we will       This liability cover will cease on the earliest
 cover you for the amount you are liable           of the following:
 to pay for a liability claim arising from an
                                                   • the date that re-construction
 incident at your rental property for up to
                                                     commences at the rental property
 six months from the date your buildings
 were destroyed.                                   • if you sell your rental property, the date
                                                     when risk passes to the purchaser, or
                                                   • the date you take out a new buildings
                                                     insurance Policy for your rental property.
Liability cover if you have insured your contents

 We will cover                                    We won’t cover
 We will cover you for the amount you are         If you have only insured your contents we
 liable to pay as owner of your contents,         will not cover you for any amount you
 or occupier of your part of the building         have to pay as owner of your buildings.
 if you have insured your contents and
 you own part of the building that has
 been subdivided.

 The amount you have to pay because
 of any defect in your contents if you have
 insured your contents.

 The amount you have to pay for damage
 to property while it is in the car park if you
 provide a car park for your tenant or their
 visitors to use.
                                                                                             36–37
exclusions

Any cover we provide is subject to the         Buildings and contents cover exclusions
following exclusions:                          We will not cover any loss or damage as a
• general exclusions (these apply to           result of, or caused by:
  buildings, contents and liability covers)    • settling, shrinkage or any movement
• buildings and contents cover exclusions        of earth
                                               • settling, shrinkage or expansion in
• liability cover exclusions.
                                                 buildings, foundations, walls or
                                                 pavements
General exclusions
                                               • erosion, rust, corrosion, gradual
We will not cover any loss or damage, or
                                                 deterioration, depreciation, wear or tear
liability as a result of, or arising from:
                                               • vermin, birds or insects
• any event that does not occur within your    • roots from trees, plants, shrubs or grass
  period of insurance
                                               • any process of cleaning involving the use
• war or warlike activity, however war does      of chemicals other than domestic
  not need to be declared                        household chemicals
• hostilities, rebellion, insurrection         • a defect in an item, structural defects,
  or revolution                                  or faulty or poor workmanship or design
• contamination or pollution by chemical       • breakage of mirrors, glassware, crystal,
  and/or biological, radioactive and/or          crockery or china while they are being
  nuclear agents, which results from an act      used, cleaned or carried by hand
  of terrorism
                                               • mechanical or electrical breakdown
• lawful damage, destruction or confiscation     other than an electric motor burning out,
  of your property                               unless the breakdown results in damage
• anything nuclear or radioactive                to your buildings or contents.
• mildew, mould, atmospheric or
  climatic conditions
• damage to a heating element, however
  we will pay for any loss or damage as a
  result of damage to a heating element
• storm surge except where it happens at
  the same time as flood.
• erosion
• action by the sea unless the loss or
  damage is the result of a tsunami.
Liability cover exclusions                        • any business, profession, trade or
We will not pay for:                                occupation carried out by you, unless
                                                    the liability is as a result of, or arising
• personal injury to:                               from, you managing the buildings and
   – you;                                           their surrounds
   – anyone who normally lives with you;          • any agreement or contract you enter
      or                                            into, however if you would have been
   – any person you employ where that               liable without the agreement or contract,
      injury arises from their employment           we will pay for that liability
      with you                                    • the use of, removal of or exposure to any
• loss or damage to property that you or            asbestos product or products containing
  anyone else that normally lives with you:         asbestos
   – owns or is legally responsible for, or       • the use of a motor vehicle, motorcycle,
                                                    mini-bike, caravan, trailer, aircraft or
   – controls
                                                    watercraft, however we will cover liability
• loss or damage to property that belongs           that arises from ride-on mowers
  to any person you employ where that loss
                                                  • the erection or demolition of buildings
  or damage arises from their employment
  with you                                        • vibration or interference with the support
                                                    of the land, buildings or other property
• penalties, fines or awards of aggravated,
  exemplary or punitive damages made              • the discharge, release or escape of
  against you.                                      any pollutants
                                                  • the removal, neutralising or cleaning up
We will not cover any liability as a result of,     of pollutants
or arising from:
                                                  • any act of libel or slander
• any alterations, repairs, renovations or        • deliberate or intentional acts by you,
  additions to your property that cost more         or anyone acting for you, to cause loss,
  than $75,000 (inclusive of GST)                   damage or injury.
• any alterations, servicing, repairing or any
  additions to lifts, escalators or hoists,
  including anything that is part of a lift,
  escalator or hoist
• any disease that is transmitted by you, or
  any member of your family who normally
  lives with you
                                                                                             38–39
your premium

How we calculate your premium                 Problems with paying your premium
Your premium, including any taxes and         If you cannot pay your premium on time,
charges, will be shown on your Schedule.      please contact the ANZ Insurance Centre
We will base your premium on:                 immediately on 13 16 14, weekdays from
                                              8am to 8pm (Sydney time).
• the type and frequency of claims that you
  have made                                   We may cancel your Policy in accordance
• your insurance history                      with our legal rights if:
• your sum(s) insured                         • you do not pay your annual premium by
• the excess                                    the due date
• the type, location, construction and age    • you pay your premium by instalments and
  of your buildings or contents.                you are more than one month behind.
Premiums are also subject to                  If you pay by instalments, we may refuse
Commonwealth and State taxes and/or           to pay a claim if at least one instalment of
charges, including GST and stamp duty,        the premium is overdue for one month
which will be listed on your Schedule.        or more.
You may qualify for rebates on your
premium. To find out how refer to
pages 54–55.

How to pay your premium
We offer a range of convenient payments
options. You can pay your premium:
• annually in one lump sum by credit card
  or direct debit, or
• in monthly instalments by direct debit to
  your nominated bank account or credit
  card, at no extra cost.
your Policy

How to renew your Policy                         You should advise us if:
Before your current Policy expires, we will      • any changes have been made to:
send you an invitation to renew your Policy or
                                                    – the address or location where your
we will advise you that we will not renew your
                                                        buildings or contents are insured
Policy. An invitation to renew will include an
updated Schedule and the new premium.               – the occupancy of your property or
                                                        the people who are insured under
You will need to review the invitation to               this Policy
renew and comply with your duty of                  – your buildings such as additions
disclosure as outlined on page 52. If you               or renovations
have any questions or if you need to
                                                    – the use of your buildings
change your cover, you must contact the
ANZ Insurance Centre on 13 16 14,                   – the value of your contents to
weekdays from 8am to 8pm (Sydney time).                 be insured
                                                 • there are any other changes in
If you have previously paid your premium           your circumstances during the period
by instalments, we will continue to deduct         of insurance.
payments from your nominated account
when your Policy is renewed. If you paid         If you tell us about any of these things, we
your last premium in one lump sum, we            may charge an additional premium, change
must receive your payment by the due             the cover of your Policy, or cancel your
date, otherwise your buildings or contents       Policy as allowed by law.
will not be insured.
                                                 Step 1 – Contact us to change your
How to change your Policy                        Policy or update your details
It’s important that all the details in your      Call the ANZ Insurance Centre on 13 16 14,
Policy are current and correct.                  weekdays from 8am to 8pm (Sydney time).
If you do not advise us of any changes in
                                                 Step 2 – Check the changes
the details of the information you have
given us, your insurance may be affected.        After we update your details, you will then
                                                 be sent a Policy Endorsement Schedule.
                                                 You will need to review the Policy
                                                 Endorsement schedule. If you have any
                                                 questions or if you need to make any
                                                 changes, you must contact the ANZ
                                                 Insurance Centre on 13 16 14, weekdays
                                                 from 8am to 8pm (Sydney time).
                                                  40–41
Step 3 – Pay your premium if it
has increased
We will tell you if your premium has
increased. If you pay your premium by
instalments, we will adjust your instalments
and commence deducting the new amount
from your nominated account. If you pay your
premium in one lump sum, we must receive
your additional payment within one month.

How to cancel your Policy
If you want to cancel your Policy, call the
ANZ Insurance Centre on 13 16 14, weekdays
from 8am to 8pm (Sydney time). We may
need your cancellation request in writing.
If you cancel your Policy before it ends, and
provided no claim has been made, we will
refund an amount for the unused premium.

Cooling off period
You have the right to cancel your Policy
during the 21 day cooling off period, after its
commencement, provided no claim has
been made within this period. If you cancel
your Policy within this period, we will return
to you any premiums you have paid us.
Claims

How to make a claim                          To help us assess your claim when you call,
To help us make the claims process as easy   we will ask you a range of questions and
as possible for you, follow these simple     you may need to provide:
steps for buildings or contents claims:      • proof of ownership
                                             • an inspection of your buildings or
Make sure you have all the relevant            contents
information to support your claim
                                             • quotes from a repairer.
We will need:
                                             At the time of making a claim under the
• any letters, notices or court documents    Policy, you must provide us with certain
  about the event within 72 hours of         GST information relevant to both your
  receiving them                             policy and your claim. If you do not provide
• the event report number for any claims     us with this information we may deduct up
  in relation to theft, attempted theft,     to 1/11th of the amount otherwise payable
  vandalism or a malicious act. The Police   in settlement of your claim.
  will provide you with this number when
  you report the event to them               If you need emergency repairs
• contact details, that you are able to      If you need to make emergency repairs,
  obtain, of any other people involved in    we will arrange assistance through our
  the event, including their name, current   preferred repairers and suppliers.
  residential address and who they are
  insured with.                              excesses
                                             An ‘excess‘ is your contribution towards the
Call us on 13 16 14 (24 hours, 7 days)       cost of a claim. We will tell you if you need
to make a claim                              to pay an excess when you make a claim.
Our Claims Assistance Service is open        The type of excess that applies to your Policy
24 hours, 7 days a week so we can give you   and the amount of that excess will be listed
immediate advice and assistance with your    on your Schedule. You may need to pay
claim. You will need to make your claim as   more than one type of excess when you
soon as possible, as any delays may reduce   make a claim. When a claim is made for what
the amount that we can pay, or prevent us    we identify as one or more separate events,
from paying a claim.                         you will need to pay any excesses that apply
                                             for each separate event we have identified.
                                                                                                42–43
You will need to pay only one excess for        How we settle a buildings claim
each claim you make for damage or loss
arising from an insured event.                  We will decide how we will settle
                                                your claim
If you are claiming for any loss or damage
that occurs as a result of an earthquake or     If your buildings suffer damage, we will
tsunami, you will need to pay an additional     decide whether your buildings are
excess of $250.                                 repairable or a total loss.

You will also need to pay an additional         If your buildings are a total loss and
excess of $250 for a claim under each of        we accept your claim, full buildings
the following events:                           replacement cover will apply unless we
                                                determine the buildings to be in a
• deliberate or intentional acts, or            dilapidated condition at the time of a claim.
  vandalism or malicious acts by your           In this case we may settle your claim for a
  tenants or their visitors                     reduced amount in accordance with our
• rent default by your tenants                  legal rights.
• theft of any part of your buildings or        If we accept your claim, we will decide
  contents by your tenants or their visitors.   whether to:
We will tell you if you need to pay any         • repair
excess to us or to a third party, such as       • rebuild
a builder, supplier or a repairer.
                                                • pay you the cost to repair or rebuild that
Bond money we may deduct when you                 part of your buildings that suffered
                                                  damage (cash settlement).
make a claim
We will reduce the amount we will pay           Where we settle a buildings claim, we are
for loss or damage to your building or          entitled to retain the salvage.
contents, rent default or legal expenses        Where claims are made for less than the
by any bond money that you are entitled         sum insured, you will be fully insured again
to use.                                         for your buildings for the amount shown
                                                on your Schedule.
                                                If we settle your buildings claim on a
                                                total loss basis, then your Policy comes
                                                to an end, subject to any continuing
                                                liability cover and no refund of your
                                                premium is due.
What happens if we decide to repair           What happens if we decide to rebuild
your buildings                                your buildings in the event of a
If we decide to repair your building(s),      total loss
we will:                                      If we decide to rebuild your building(s) in
• only repair the part or parts of your       the event of a total loss, we will:
  building(s) that actually sustained         • rebuild your building(s) to a condition
  damage, including damaged portions            as close as possible to when new, but
  of fixed coverings to walls, floors and       not better
  ceilings, in the rooms, halls or passages   • ensure your building(s) comply with
  where the damage occurred, to a               government and local authority bylaws
  condition as close as possible to when
                                              • allow you to choose your own repairer or
  new, but not better
                                                tradesperson, or we can help you to find
• try to match any material used to repair      one; we may decide not to accept your
  your building(s) with the original            choosen repairer if the quote and
  materials or nearest equivalent available     credentials are not acceptable
  to the original materials
                                              • deal directly with the repairer or
• ensure the repairs to your building(s)        tradesperson concerning payment.
  comply with government and local
  authority bylaws                            You may choose to have the building
• allow you to choose your own repairer or    replaced at another site, but we will not pay
  tradesperson, or we can help you to find    more than the Full Building replacement
  one; we may decide not to accept your       cost would have been at the original site.
  chosen repairer if the quote and            Note: If rebuilding does not start within six
  credentials are not acceptable              months of the acceptance of your claim, we
• deal directly with the repairer or          may not pay any increase in costs caused by
  tradesperson concerning payment.            your delay.
Note: If repairs do not start within six      What happens if we decide to pay
months of the acceptance of your claim, we
may not pay any increase in costs caused by
                                              you the cost to repair or rebuild
your delay.                                   your buildings
                                              If we decide to pay you the cost to repair
                                              or rebuild your building(s) we will:
                                              • pay you the cost of repairing your
                                                building(s) to a condition as close as
                                                possible to when new, but not better
                                                                                                    44–45
• pay you the full building replacement cost      If we decide to repair your contents
  of rebuilding your building(s) to a condition   We will repair the damaged item to the
  as close as possible to when new, but not       condition it was when new. However, if the
  better, in the event of a total loss            item we are repairing is part of a pair, set,
• deduct any:                                     collection or system of items, we will only
   – excess                                       repair the part of the pair, set, collection or
   – unpaid premium                               system of items that was damaged.
   – input tax credit you would have
                                                  If we decide to replace your contents
       been entitled to under A New Tax
       System (Goods and Services Tax)            We will replace the item with the nearest
       Act 1999 if you had paid to repair         equivalent new item.
       or rebuild your buildings.                 If the item we are replacing is part of a pair,
                                                  set, collection or system of items, we will
How we settle a contents claim                    only replace the damaged or lost item itself.
We will decide how we will settle                 We will only replace wall, floor and ceiling
your claim                                        coverings, including carpets, floating
If your contents suffer loss or damage,           floorboards, internal blinds and curtains, in
we will decide whether to:                        the room, hall or passage where the loss or
                                                  damage occurred. We will not replace those
• repair an item                                  items in the adjoining rooms, or in your
• replace an item                                 entire property.
• pay you the cost to repair or replace
  the item.                                       If we decide to pay you the cost to
                                                  repair or replace your contents
Where we settle a contents claim, we are
entitled to retain the salvage.                   We will pay you the fair and reasonable cost
                                                  we would have incurred to repair or replace
To find out what we will pay, see                 the damaged or lost item. If the item is part
pages 22–23.                                      of a pair, set, collection or system of items,
Where claims are made for less than the           we will only cover the value of the
sum insured, you will be fully insured again      damaged or lost item itself and pay up to
for your contents for the amounts shown           the value of that item as a proportion of the
on your Schedule.                                 combined pair, set, collection or system of
                                                  items (even though the pair, set, collection
Where a claim is for a total loss and we pay      or system of items may consequently be
you the sum insured, then your Policy             less valuable).
comes to an end and no refund of your
premium is due.
We will pay this amount after deducting any:   If you are entitled to use bond money
• excess                                       We will pay you the cost of the rent default
• unpaid premium                               and any legal expenses. We will reduce this
                                               amount by the amount of any bond money
• input tax credit you would have been         remaining after deducting any allowable
  entitled to under A New Tax System (Goods    re-letting expenses and any other costs or
  and Services Tax) Act 1999 if you had paid   expenses you are legally entitled to.
  to repair or replace your contents.          However, if a tribunal orders the refund of
                                               the bond money to the tenant, on the
How we settle a loss of rent claim             grounds of hardship, an excess equal to
If we decide to pay your loss of rent claim    four weeks rent will apply to your claim.
We will pay you loss of rent equal to the
                                               How we settle a theft by a
weekly amount as stated on your rental
agreement or periodic tenancy agreement        tenant claim
for up to 12 months. The most we will pay      If we decide to pay your theft by a
is $52,000.                                    tenant claim
If we decide to pay your death of a sole       refer to:
tenant claim                                   • ‘How we settle a buildings claim’
We will pay you up to two weeks rent.            on pages 43–45
The most we will pay is $2,000.                • ‘How we settle a contents claim’
                                                 on pages 45–46.
How we settle a rent default claim
If we decide to pay your rent
default claim
We will pay you the rent default up to
$5,000. We will calculate the rent default
based on the:
• weekly amount your rental property is
  leased for under your rental agreement
  or periodic tenancy agreement
• number of weeks in rent default.
                                                                                                  46–47
Customer complaints

How to resolve a complaint or dispute              Seek an external review
Call us                                            If you are dissatisfied with our decision or
                                                   the way we handled your complaint, you
If you have a complaint, the first thing you       can seek an external review of the decision.
should do is speak to the ANZ Insurance            The dispute resolution area will provide
Centre on 13 16 14, weekdays from 8am to           you with information about the options
8pm (Sydney time). If the ANZ Insurance            available to you, such as referring you to
Centre or claims officer are unable to             the external dispute resolution scheme
resolve the matter for you, you can speak          administered by the Financial Ombudsman
to a manager. If you are not satisfied with        Service, the details for which are:
the decision, you can seek a review.
                                                   Address     GPO Box 3
If your complaint relates specifically to a                    Melbourne victoria 3001
claim, you should speak with the claims            Phone       1300 780 808
officer managing your claim or call our            email       info@fos.org.au
24 hours Claims Service on 13 16 14.               Website     www.fos.org.au
Seek a review                                      For further information about the
If the matter is not resolved after speaking       complaint or dispute resolution
with a manager, your complaint will be             procedures, please contact us on 13 16 14,
referred to an internal dispute resolution         weekdays from 8am to 8pm (Sydney time).
team who will conduct a review of your
dispute. We will advise you of the results of
your review within 15 working days of your
request. If you are still not satisfied with the
decision, you can seek an external review.
our commitment to you

the General Insurance Code                       We collect your personal information to
of Practice                                      provide you with the products and services
                                                 you request. Without your personal
We support the General Insurance Code
                                                 information, we may not be able to process
of Practice. The Code aims to:
                                                 your application or provide you with the
• promote more informed relations                products or services you require.
  between insurers and their customers
                                                 In order to manage and administer the
• improve consumer confidence in the             products and services requested by you,
  general insurance industry                     we may need to disclose your personal
• provide better mechanisms for the              information to certain third parties, including:
  resolution of complaints and disputes
  between insurers and their customers           • other members within the ANZ Group, to
                                                    the extent necessary to service our
• commit insurers and the professionals
                                                    relationship with you and carry on
  they rely upon to higher standards of
                                                    business as a group
  customer service.
                                                 • organisations performing administration
You can get a copy of the Code from the             or compliance functions in relation to the
Insurance Council of Australia website,             products and services
www.insurancecouncil.com.au                      • organisations maintaining our
                                                    information technology systems
Cooling off period                               • authorised financial institutions
There is a cooling off period which lets you     • organisations providing services such as
cancel your Policy within 21 days, after its        mailing, printing or data verification
commencement, with a full refund of your
                                                 • a person who acts on your behalf (such as
premium, provided no claims are made
                                                    your financial adviser or your agent)
during this time.
                                                 • the policy owner (where you are a life
Privacy statement                                   insured who is not the policy owner)
                                                 • our solicitors, valuers and insurers
OnePath General Insurance                        • lenders who provide lending facilities
In this section ‘we’, ‘us’ and ‘our’ refers to      to you.
OnePath General Insurance and other              For life risk products we collect health
members of the ANZ Group. We are                 information with your consent. Your health
committed to ensuring the confidentiality,       information will only be disclosed to
security and privacy of your personal            service providers or organisations
information. ‘You’ and ‘your’ refers to policy   providing medical or other services for the
owners and life insureds.                        purpose of underwriting, assessing the
                                                 application or assessing any claim.
                                                                                                 48–49
We may also disclose your personal              able to issue insurance cover, administer
information in circumstances where we are       your insurance or process your claim.
required to do so by law.                       We, or our authorised agent, may disclose
We may send you information about our           your personal information to:
financial products and services from time       • a mail house, records management
to time. You may elect not to receive such        company or technology service provider
information at any time by contacting             (for printing and/or delivery of mail,
Customer Services on 1800 500 229.                including secure storage and
You may access the personal information           management of our records);
OnePath hold about you, subject to              • a financier whose name appears
permitted exceptions and subject to               on your policy (for the purpose of
OnePath still holding that information,           confirming the currency of your policy or
by contacting OnePath at:                         when you have a claim and the insured
Privacy officer                                   property is a total loss, to confirm if the
OnePath                                           financier has a current interest);
GPO Box 75                                      • an organisation that provides you with
Sydney NSW 2001                                   banking facilities (for the purpose of
Phone (02) 9234 8111                              arranging direct debit or other payment
Fax (02) 9234 8095                                transaction or confirming payments
Email privacy@onepath.com.au                      made by you to us);
If any of your personal information is          • any person authorised by you;
incorrect or has changed, please let OnePath    • a financial services provider or our agent
know by contacting Customer Services.             who is arranging your insurance (for the
More information can be found in                  purpose of confirming your personal and
OnePath’s Privacy Policy which                    insurance details);
can be obtained from its website at             • another person named as a co-insured
onepath.com.au/privacy-policy                     on your policy (for the purpose of
                                                  confirming if full disclosure has been
QBE                                               made to us);
The Privacy Act 1988 regulates the way
                                                • another insurer (to obtain confirmation of
private sector organisations, such as QBE,
                                                  your no claim bonus or to assess insurance
collect, use, protect and disclose personal
                                                  risks or to assist with an investigation) or
information. We are committed to
                                                  to another insurer or reinsurer that may be
safeguarding your privacy and the
                                                  located overseas (for the purpose of
confidentiality of your personal information.
                                                  seeking recovery from them);
We will only collect personal information
from or about you for the purpose of
assessing your application for insurance
and administering your insurance policy,
including any claims made by you. Without
this personal information we may not be
• a dispute resolution organisation such as     In addition we will:
   the Financial Ombudsman Service (for         • give you an opportunity to obtain access
   the purpose of resolving disputes               to your personal information and when
   between QBE and you or between QBE              necessary, correct any errors to this
   and a third party);                             information. Generally we will do this
• a related company that may provide               without restriction or charge
   computer hosting and support services        • provide our dispute resolution
   that may be located overseas;                   procedures to you in respect of any
• a company to conduct surveys on our              complaint you may have regarding your
   behalf for the purpose of improved              personal information.
   customer services; and                       For further information about our Privacy
• an insurance reference bureau (to record      Policy or to access or correct your personal
   any claims you may make upon us).            information, please contact:
In addition to the above, in the event of a     the Compliance manager
claim we or our authorised agent may            QBE Insurance (Australia) Limited
disclose your personal information to:          GPO Box 82
• a repairer or supplier (for the purpose of    Sydney NSW 2001
   repairing or replacing your insured items)   Email compliance.manager@qbe.com
• an assessor or investigator (for the          updating our Pds
   purpose of assessing your claim)             The information contained in this PDS
• a lawyer or a recovery agent (for the         may change from time to time. Updated
   purpose of defending an action by a third    information will be available free of charge
   party against you or for recovering our      from www.anz.com or by contacting the
   costs including your excess or seeking a     ANZ Insurance Centre on 13 16 14. We will
   legal opinion regarding the acceptance of    issue a supplementary or replacement PDS
   a claim)                                     if there is a materially adverse change to or
• an insurance reference bureau (for the        omission from information in this PDS.
   purpose of recording any claims you
   make on your policy)                         Financial Claims scheme
• a witness to a claim (for the purpose of      This policy is a protected policy under the
   obtaining a witness statement)               Financial Claims Scheme (FCS), which
• another party in a claim (for the purpose     protects certain insureds and claimants in
   of obtaining a statement from them or        the event of an insurer becoming insolvent.
   seeking recovery from them or to defend      In the unlikely event of QBE or OnePath
   an action by a third party).                 General Insurance becoming insolvent, you
                                                may be entitled to access the FCS, provided
Personal information may also be
obtained about you from the above               you meet the eligibility criteria.
people or organisations.                        More information may be obtained from
                                                APrA – www.apra.gov.au or 1300 13 10 60.
50–51
your responsibilities to us

your duty of disclosure                          If you do not tell us
Before you enter into an insurance contract      If you do not answer our questions in this
with an insurer, the Insurance Contracts         way, we may reduce or refuse to pay a
Act 1984 requires you to disclose to the         claim, or cancel the policy. If you answer
insurer information to enable them to            our questions fraudulently, we may refuse
decide whether and on what terms your            to pay a claim and treat the policy as never
proposal for insurance is acceptable and to      having worked.
calculate how much premium is required
for your insurance.                              renewal, variation, reinstatement
                                                 or extension
New business                                     When you renew, vary, reinstate or extend
                                                 the policy, you have a duty, under the
What you need to tell us                         Insurance Contracts Act 1984, to disclose to
You will be asked certain questions when you     us every matter that you know, or could
first apply for a Policy. When answering these   reasonably be expected to know, is
questions, you must be honest and you have       relevant to our decision whether to insure
a duty under law to tell us anything:            you and, if so, on what terms.
• known to you, and
                                                 Your duty however does not require
• which a reasonable person in the
  circumstances would include in answer
                                                 disclosure about any matter:
  to the questions.                              • that diminishes the risk to be undertaken
                                                   by us
We will use the answers in deciding whether
                                                 • that is of common knowledge
to insure you and anyone else to be insured
under the policy, and on what terms.             • that we know or, in the ordinary course of
                                                   our business, ought to know, and
Who needs to tell us                             • as to which compliance with your duty is
It is important that you understand you are        waived by us.
answering our questions in this way for
yourself and anyone else whom you want           Non-disclosure
to be covered by the policy.                     If you fail to comply with your duty of
                                                 disclosure, we may be entitled to reduce
                                                 our liability under the contract in respect of
                                                 a claim or may cancel the contract.
                                                                                                 52–53
If your non-disclosure is fraudulent, we may    • you must not admit liability or
also have the option of avoiding the              responsibility for a claim
contract from its beginning.                    • you must take reasonable precautions to
                                                  prevent and mitigate any further loss,
other conditions when you are                     damage or liability arising
insured with us                                 • you must contact the Police immediately
In addition to your duty of disclosure, there     if your buildings or contents suffer loss or
are other conditions that you must meet           damage as a result of theft or burglary or
when you are insured with us.                     attempted theft or burglary, vandalism or
                                                  a malicious act
You must:
                                                • unless you are preventing further
• be honest in any statement you make in          damage, keep all damaged buildings or
  connection with your Policy                     contents so we can inspect them if
• pay your premium, including paying              required and do not repair or replace any
  instalments regularly and on time               damaged buildings or contents without
• take reasonable precautions to avoid a          our consent.
  claim being made
• obey all laws and make sure anyone            sanctions
  acting on your behalf obeys all laws          You agree we may delay, block or refuse to
• comply with the conditions of this Policy     process any transaction without incurring
• not make a fraudulent claim under this        any liability if we suspect that:
  Policy or any other Policy.                   • the transaction may breach any law in
                                                  Australia or any other country
Conditions you must comply                      • the transaction may directly or indirectly
with when making a claim                          involve the proceeds of, or be applied for
                                                  the purposes of unlawful conduct.
Where allowed by law, we have a right to
recover from any person, the amount of any
monies payable to you under the Policy
and we have sole discretion in the way we
handle these matters. We will only pay a
claim where you have complied with the
following conditions:
• you have to be honest and you must give
  us any information or assistance we
  require to investigate and process your
  claim including allowing us access to your
  property to inspect it where necessary
How you can qualify for rebates

We will reward you once you have multiple policies with us, and for remaining our
customer over time. The rebates paid will result in a refund of a part of the premium
amount paid for the current period of insurance for each eligible policy.

Here is how it works:
1. Multiple policy rebate
• If you have two or more eligible policies at the end of any rebate period, we will send you
  a rebate of a part of the premium amount paid for the current period of insurance for
  each eligible policy.
• The annual rebate amount is 7.5% of the premium amount for each eligible policy if you
  own two policies, or 10% of the premium amount for each eligible policy if you own
  three or more policies.

2. Loyalty rebate
• If you have two or more eligible policies, you can then qualify for a loyalty rebate.
• If you have continuously had an eligible policy for one year or more at the end of any
  rebate period, we will send you a rebate for your loyalty on all of your eligible policies.

 For eligible policies held                       your annual rebate (% of annual premium)
 continuously for
                                            2 eligible policies     3 or more eligible policies

 Less than 1 year                                        7.5%                             10%

 1–2 years                                               8.5%                              11%

 2–3 years                                               9.5%                             12%

 3–4 years                                              10.5%                             13%

 4–5 years                                              11.5%                             14%

 More than 5 years                                      12.5%                             15%
                                                                                               54–55
How will rebates be calculated and paid?        Definitions that apply to rebates
• rebates are calculated twice each year        Annual premium: is the amount that you
  based on the premium amount for each          pay us for your Policy for a 12 month
  eligible policy and as at the end of each     period, and includes any government and
  rebate period.                                other charges.
• If you qualified for a rebate, you will       eligible policies: are ANZ Home Insurance
  receive half of the annual rebate at the      buildings cover, ANZ Home Insurance
  end of each rebate period.                    contents cover, ANZ Landlord Insurance
• We aim to pay you your rebate amounts         and ANZ Car Insurance where the joint
  within one month after the end of a           product issuers are OnePath General
  rebate period.                                Insurance Pty Limited and QBE Insurance
• Any rebate due to you will be satisfied       (Australia) Limited. ANZ Home Insurance
  when we credit the rebate amount to           policies that have buildings and contents
  your bank account or send a cheque to         cover will count as two policies.
  your address.
                                                rebate periods: are the six month periods
• Please help us to give you your rebate by     starting on 1 October and 1 April each year.
  ensuring your personal details are up to
  date and accurate.

Other important rules
• If you own a policy in conjunction with
  one or more other people, only the first
  person listed on the Policy Schedule can
  qualify for or receive a rebate.
• In order to qualify, your eligible policy
  must be within the cover period on your
  Policy Schedule(s) and your premium
  payments must be up to date.
• This offer applies to eligible policies
  issued from 13 October 2008, and may be
  withdrawn or changed at any time.
• This offer does not apply if an eligible
  policy has already received a multiple
  policy discount of any kind.
• If you cancel your Policy before its expiry
  date, and we have paid you a rebate, we
  can deduct some or all of the rebate
  relating to that Policy from your next
  rebate amount, or claim it back from you.
Glossary
Words with a special meaning:                     Fixtures and fittings: Any household items
                                                  or household equipment that are
Action by the sea: rise in the level of the
                                                  permanently attached to your buildings.
sea, sea waves, high or king tides, tidal waves
or any other movement of the sea other            Flood: The covering of normally dry land
than tsunami.                                     by water escaping, overflowing or released
                                                  from the normal confines of any naturally
Allowable re-letting expenses: re-letting
                                                  occurring, manufactured or modified
expenses as specified in the current rental
                                                  inland watercourse including rivers, creeks,
Agreement for your property.
                                                  channels, canals, lakes, lagoons, ponds,
Bond money: Money paid by the tenant              dams, reservoirs, wetlands or marshes.
and held as security against damage to the
                                                  Full Building replacement: This is the total
property, outstanding rent or other costs.
                                                  amount payable to rebuild your property at
Your Policy operates on the basis that your
                                                  the insured site to the same size and
tenant has paid bond money that equals at
                                                  standard as your current property in the
least four weeks rent.
                                                  event that a total loss occurs as a result of
Buildings: Buildings that you own or are          an insured event.
legally responsible for as defined under
                                                  Period of insurance: The length of time
‘What buildings we protect’ on page 8.
                                                  between the start date and end date of your
Contents: Contents that you own or are            Policy, as listed on your current Schedule.
legally responsible for as defined ‘What
                                                  Periodic tenancy Agreement: Applies
contents we protect and how much will be
                                                  when a tenant continues to occupy the
paid’ on pages 22–23.
                                                  rental property, after a fixed-term rental
deliberate or intentional act: A conscious        Agreement has expired, and the rental
or reckless act done without the owner’s          Agreement does not provide for its
permission.                                       continuation, and either a:
event/Incident: A single occurrence or a          • notice to leave
series of occurrences, including an accident      • notice of intention to leave, or
or series of accidents, arising out of            • abandonment termination notice
one event.
                                                  has not been given by the tenant to you, or
excess: The amount you pay when you               your agent, or by you, or your agent to the
make a claim on your Policy. The amount           tenant. The tenant is then treated as being
and type of excess that may apply to your         under a Periodic Tenancy Agreement on
Policy is shown on your current Schedule          the same terms which applied immediately
and on pages 42–43 in this PDS.
                                                                                                56–57
before the rental Agreement ended. This        rental agreement: The agreement
does not include any term about the            between you or your rental property agent
Agreement’s term.                              and the tenant. This agreement must be in
                                               writing and state:
Pet: A domestic animal.
                                               • the term of the rental period
Policy: The contract between you and us
which provides you with insurance cover in     • the amount of rent payable to you
exchange for a premium. Your Policy is         • the amount of the bond money that the
made up of:                                      tenant is required to pay.
• this combined Product Disclosure             rental property: Where your buildings or
  Statement (PDS) and Policy document          contents are located. This includes any land
  and any Supplementary PDS                    or other area that touches your rental
• your current Schedule.                       property and for which any statutory
                                               authority has made you responsible, but it
Policy endorsement schedule: A                 does not include the nature strip outside
document that includes any information         your rental property. Your rental property is
from the existing Schedule that has not        located at the situation shown on your
changed or varied, and confirms any            current Schedule.
alteration to the coverage, terms and
conditions of your Policy and premium          schedule: Your current Schedule is a
change. This replaces the existing Schedule.   document outlining the details of your
                                               insurance cover. Your Schedule may be called
Premium: The total amount you pay for          a Policy, renewal or Endorsement Schedule.
your insurance that includes applicable        special conditions: Exclusions, restrictions
government taxes, such as GST, and any         or extensions to cover that are imposed on
duties or charges payable by you. It is        specific matters or people.
shown on your current Schedule. You can
pay your premium annually in one lump          sporting equipment: Equipment designed
sum or by instalments.                         to be used in a leisure activity that involves
                                               some element of physical activity or
rent: The amount of money paid, or payable,    competition, excluding pedal cycles.
by the tenant to rent your rental property.
                                               storm surge: An increase in the water level
rent default: When a tenant fails to pay the   caused by storm and tide.
agreed rent and is in breach of a rental
agreement or periodic tenancy agreement.
strata title: Title under a strata title or      today’s prices: The price at the time of
similar community title scheme where             purchasing the Policy.
separate parts of the scheme building(s)
                                                 total loss: When we decide that it is
have a separate legal title. Strata title
                                                 uneconomical to repair or rebuild your
usually applies to high rise apartments,
                                                 buildings or where your claim for contents
townhouses, villas or duplexes.
                                                 reaches your sum insured.
sum insured: The replacement value
                                                 us, we and our: refers to OnePath
at today’s prices for your buildings or
                                                 General Insurance Pty Limited
contents. This will be listed on your
                                                 (OnePath General insurance)
Schedule. For buildings, this will be
                                                 ABN 56 072 892 365, AFSL 288160
automatically calculated for you. For
                                                 for 50% Co-Insurance share and
contents, this will be the value
                                                 QBE Insurance (Australia) Limited
nominated by you.
                                                 ABN 78 003 191 035, AFSL 239545
supplementary Product disclosure                 for 50% Co-Insurance share.
statement (supplementary Pds): A separate
                                                 Vandalism or a malicious act: A wrongful
document that updates, corrects or adds to
                                                 act motivated by malice, vindictiveness
the information contained in this PDS.
                                                 or spite with the intention of damaging
tenant: The person(s) named in the rental        the property.
agreement or periodic tenancy agreement
                                                 you and your: The person or people
and including that person’s partner, children,
                                                 named as the insured on your current
pets, and any other person(s) permanently
                                                 Schedule. If more than one person is
living at your rental property. Any person(s)
                                                 named as the insured, we will treat a
including that person’s partner, children,
                                                 statement, act, omission or claim by any
pets and any other person(s) living at your
                                                 one of these people as a statement, act,
rental property under a rental arrangement
                                                 omission or claim by them all.
that is not a rental agreement or periodic
tenancy agreement.
terrorism: Any act of any person acting on
their own or in connection with an
organisation or foreign government, which
can involve the use of or threat of force or
violence, where the purpose, by its nature
or context, is to put the public or section of
the public in fear, to resist or influence a
government or, to further an ideological,
religious, ethnic or similar aim.
                                              58–59
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                                                                    ANZ Item No. 70838/1110 QBE Item No. QM2089/1110
                                                                    Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. ANZ’s colour blue is a trade mark of ANZ.
Find out more and take out cover today

        Talk to staff at any ANZ branch

        Call 13 16 14 weekdays 8am to 8pm (Sydney time)

        Visit anz.com


For 24 hour claims service

        Call 13 16 14




Co-Insurers

OnePath General Insurance Pty Limited (OnePath General Insurance)
ABN 56 072 892 365
AFSL 288160

and

QBE Insurance (Australia) Limited (QBE)
ABN 78 003 191 035
AFSL 239545




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