Australia's Leading Landlord Insurance Specialist
Australia's Leading Landlord Insurance Specialist
1800 804 016 Mon-Fri 8:30am to 5pm
Australia's Leading Landlord Insurance Specialist
1800 804 016 Mon-Fri 8:30am to 5pm
IMPORTANT INFORMATION FOR VICTORIAN PROPERTY OWNERS
Our landlord policies are currently under embargo in Victoria. This means we are unable to issue any new Landlord Insurance policies for properties in Victoria.
To find an alternate insurance provider, you can contact the Insurance Council of Australia, www.insurancecouncil.com.au or the National Insurance Brokers Association (NIBA) on (02) 9964 9400 or www.niba.com.au.
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.
What contents are covered?
Contents covered include any of the items listed below which are owned by you (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:
- Portable household goods and electrical appliances,
- Household furniture, furnishings and light fittings (not hardwired to the building),
- Curtains or internal blinds,
- Manchester and linen (excluded for holiday-let properties)
- Floating timber floorboards,
- Carpets and floor rugs,
- Above ground pools or spas (including their fixed accessories).
Strata Titled Buildings
For Strata titled buildings contents cover also includes: 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 by law to insure.
What does 'building' include?
'Building' means the property owned by you, used primarily as a residential building, and includes:
- Domestic fixtures and fittings, i.e. built in air-conditioners and heaters, plumbed-in dishwashers, garbage disposal systems, cook tops, built-in cabinetry, doors, walls, windows (and glass), tap ware, 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),
- Awnings, 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),
- Fixed light fittings which are hardwired to the building,
- Tennis courts, and
- Underground services such as plumbing, sewerage, water and electrical which are located on your property.