HOME
BUILDINGS INSURANCE - WHAT YOU ARE NOT COVERED FOR
Under
a typical home buildings insurance policy, you or your family cannot
claim against your own liability cover. This means the insurer does
not cover:
- death
or bodily injury to you or your family.
- damage
to your property or your family's property.
Any
person who lives with you in your home cannot claim against your
liability cover , unless they are a boarder or tenant. The insurer
will not extend liability cover to you or your family where you or
your family hold or ought to have held compulsory workers'
compensation insurance to cover the liability. To know whether you
should hold workers' compensation insurance, please contact:
- the
WorkCover Authority of NSW, or
- ACT
WorkCover.
The
insurer will not extend liability cover to you or your family where
liability arises:
- only
because you or your family have agreed to take the liability upon
yourself.
- because
of intended results of acts or omissions, or results of acts or
omissions done with reckless disregard for their consequences, by
you or your family or a person acting with the consent of you or
your family.
- because
it is a result of a deliberate and unlawful act of you or your
family or a person acting with the consent of you or your family.
- out
of any business, trade or profession being conducted in your home
or on the site.
- the
insurer will not consider the letting of your home for domestic
purposes to be a business, trade or profession.
- because
of building work, to the value of $10,000 or more, being carried out
at your home or on the site. Building work means altering or
removing all or part of any wall, floor, foundation, roof or
structural component of your home, or building a new structure at
the site.
- because
your home or the site is being used for the purposes of farming.
- from
the transmission of any disease by you or your family
- out
of the use of a vehicle, aircraft or water borne craft.
- the
insurer will not consider bicycles, wheelchairs, golf carts or
remote controlled toys to fall into this category.
- from
erosion, subsidence, or landslide
- out
of an incident caused by an animal and will cover an incident caused
by a dog, cat or horse kept as a pet.
- for
any fines or court costs as a result of you being charged under the
Dog Act 1966 NSW or any similar legislation in any other State or
territory.
- because
of the presence of asbestos in your home or on the site.
See:
general
exclusions – home buildings insurance