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Discount Terms and Conditions
Multiple Property Discount
To be eligible for the Multiple Property Discount, the policyholder must have a minimum of 3 of the following current policies:
- Landlord Preferred Policy; or
- Scheer Short Stay Policy; or
- Landlord Preferred – Self Managed
If you take out a new policy which means you qualify for a Multiple Property Discount, you get the discount on that new policy immediately. Your other existing policies the discount applies to will receive the discount from their renewal date provided you still qualify.
Combined Policy Discount
To be eligible for a Combined Policy Discount you must have the Residential Building Insurance Policy with us along with one of the following other policies on the same property:
- Landlord Preferred Policy, or
- Landlord Preferred Policy – Self Managed, or
- Scheer Short Stay Policy
Both policies must be current. If you meet this criteria, then you will be entitled to a discount on the premium payable for the Residential Building Insurance policy.
If you have an existing Residential Building Insurance Policy and you take out a Landlord Preferred Policy, a Landlord Preferred Policy – Self Managed or a Scheer Short Stay Policy for the same property, a pro-rated discount will apply to the premium payable on the Residential Building Insurance Policy for the remaining period of insurance. This discount will only apply if both policies are current.
What contents are covered?
Your Contents covered include any of the items listed below which you own or which you are legally responsible for, which are listed in the most recent inventory/property condition report and which have been left at the property for your tenant’s domestic use:
- Portable household goods and electrical appliances,
- Household furniture, furnishings and light fittings (not hardwired to the building),
- Curtains or internal blinds,
- Gaming consoles and their associated games;
- Floating floorboards,
- Carpets and floor rugs
- Ride-on lawn mowers;
- Painting or works of art valued at less than $1,000 for each item;
- Sporting or recreational equipment, but not whilst they are being used;
- Plants, hedges, trees or shrubs that are in pots or tubs; and
- Above ground pools or spas (including their fixed accessories).
Strata Titled Buildings
For Strata titled buildings your contents means temporary wall, floor and ceiling covers, and any fixture or structural improvement servicing a particular lot which the body corporate or similar is not required to insure according to the applicable strata laws in your state or territory.
What does 'building' include?
Your 'Building' means the property owned by you at the insured address, used principally and primarily by tenants as a place of residence, and includes the following at the insured address:
- Domestic fixtures and fittings, e.g. built in air-conditioners and heaters, plumbed-in dishwashers, garbage disposal systems, cooktops, built-in cabinetry, doors, walls, windows (and glass), shutters, tapware, hot water systems and shower screens,
- Structural domestic improvements such as paths, driveways, garden borders, your proportion of fencing, gates, retaining walls, in-ground swimming pools and spas (including attachments which fit into their filter systems),
- External awnings, shade sails, pergolas, fixed rainwater tanks, solar panels and their fixed accessories (e.g. inverters), TV antennae, satellite dishes and letter boxes,
- Fixed floor coverings such as linoleum, floor tiles and parquetry, (but not carpets or floating floorboards):
- Fixed light fittings which are hardwired to your building,
- Tennis courts, and
- Underground services such as plumbing, sewerage, water and electrical.