OF CLAIM - INSURANCE
the terms of a typical home buildings insurance policy, the insurer
may refuse a claim or cancel this policy, or do both, if:
- you are not
truthful and frank in any statement you make in a claim or in
connection with a claim.
do not maintain your home in good repair and condition. This means your
home must be watertight, structurally sound, secure, and well
maintained. But will cover you if you can show that it was reasonable
on your part to have been unaware of the fact that your home was not in
good repair and condition.
do not take all reasonable care to protect your home against:
- any initial
loss or damage, or
- any further
loss or damage once the initial loss or damage occurs.
do not immediately make a report to the police if you suspect or should
have suspected that:
has been stolen from your home
- someone has
acted maliciously in relation to your home or to something in it, or
- an attempt
has been made to do either of these things.
- you keep:
or combustible substances
or combustible liquids
- in your
home or on the site illegally.
have an indemnity policy and you have under insured your home.
leave your home unoccupied for more than 60 consecutive days and do not
maintain it in a lived in state. To maintain your home you must:
- keep the
lawns mown and garden tidy.
regular mail and newspaper deliveries, and
relatives, friends or neighbours to check inside and outside the home
at least once a week.
conditions also apply to anyone else covered under the policy. The
insurer may refuse you or your family the cover offered by this
policy if you or your family make admissions, settle, attempt to
settle, or defend any claims without our agreement. Only the insurer
has the right to make admissions to settle any claims against you and
to defend you. The insurer may also refuse a claim or cancel the
policy, or do both, if:
- you alter or
remove all or part of any wall, floor, foundation, roof or structural
component of your home, or build a new structure at the site.
- your home or
part of it is let or is used for the purposes of a business, trade, or
- unless you tell
the insurer beforehand in writing and the insurer agrees to cover