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House / Landlords

As this is one of the largest investments a person may make it is important to correctly insure both your home building as well as the contents of your property. The two cover options (Defined Events or Accidental Damage) vary in what is and what isn’t covered, the wrong choice between them can be costly in the event of a claim. If you are unsure of the cover that may best suit you, please contact us.

In order for City Rural Insurance Brokers to provide you with an Obligation Free Quote, please complete the following.

Fields designated in RED require completion

Applicant 1
Name
Date of Birth
 Over 55 & Retired
Yes   No
Home Phone
 Work Phone
Address
 Postcode
Postal Address same as above or
 Postcode
Email
 Fax
Preferred Method of Contact
Email   Phone   Fax
Applicant 2
Name
Date of Birth 
 Over 55 & Retired
Yes   No
Home Phone
 Work Phone
Email
 Fax
IMPORTANT
Current Insurer
 Expiry Date
Policy Cover
  Defined Events   Accidental Damage   Landlords
SUM INSURED
Home building Calculator
Click Here		 Home Contents Calculator
Click Here
Size of Building (sqm)
 Age of Building
Part 1
Building (Replacement Value) 
Contents (Replacement Value) 
Specified Valuables in the Home 
Yes    No
Item$Item$
Part 2
Personal Valuables (Covered when outside the Home Property)
Yes    No
(1) Specified Items n(If you chose 'Yes' above)
Description Value
1.
2.
3.
4.
5.
6.
7.
(2) Unspecified Items
Yes    No
Sum Insured
Domestic Workers
Yes    No 		Number of workers
Landlords   Yes    No
Landlords Insurance
Yes    No 		Weekly rental
Malicious Damage By Tenant
Yes    No 		Tenant Rent Default
Yes    No
Insured Property Details
Dwelling Type Construction
Occupant Type
Owner    Tenant 		Fire Protection
Yes    No
Roof
Metal    Tiles 		Floors
Timber    Concrete
Burglary Protection
Deadlocks on all external Doors? Yes    No Back to Base Alarm? Yes    No
Keyed window Locks on all windows? Yes    No Local Alarm System? Yes    No
Bars or grills on all accessible windows? Yes    No Is the property on more than 10 acres? Yes    No
Electronic Surveillance key or card to common areas? Yes    No Is the property used for Business use? If yes what type of Business? Yes    No
Live in Manage / Caretaker? Yes    No Is the property occupied? Yes    No
Safe or other system? (please describe) Yes    No
Will the home be unoccupied more than 60 days? Yes   No
Has any insurer in respect of any insurance policy held by you, your partner...
(a) Refused to renew/ cancelled or terminated a policy? Yes    No
If yes, please supply details.
(b) Refused a claim or required an increased premium under the policy? Yes    No
If yes, please supply details.
(c) Imposed special conditions under the policy? Yes    No
If yes, please supply details.
(d) Have you been convicted any criminal offence or been declared bankrupt? Yes    No
If yes, please supply details.
(e) Have you had any Claims in the past 5 years? Yes    No
If yes, please supply details.
I have read the Duty of Disclosure (view)
Duty of Disclosure

In order to make an informed assessment of the risk and calculate the appropriate premium, your insurer needs information about the risk you are asking it to insure.

For this reason, before you enter into a contract of insurance, you have a duty under the Insurance Contracts Act 1984 to disclose to your insurer every matter that you know, or could reasonably be expected to know, is relevant to the insurer’s decision whether to accept the risk and, if so, on what terms. The duty also applies when you renew, extend, vary or reinstate a contract of insurance.

You do not have to disclose anything that:

  • Reduces the risk to be undertaken by the insurer;
  • Is common knowledge;
  • Your insurer knows, or in the ordinary course of its business, ought to know; or
  • If the insurer has waived your obligation to disclose.
If you do not comply with your duty of disclosure, your insurer may be entitled to reduce its liability in respect of a claim or may cancel your contract of insurance. If the non-disclosure was fraudulent, the insurer may be able to avoid (or cancel) the contract of insurance from its beginning. This would have the effect that you were never insured.

One important matter to be disclosed is the history of losses suffered by the person seeking insurance or any closely associated person or entity. As you are responsible for checking that you have made complete disclosure, we suggest that you keep an up to date record of all such losses and claims.

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Australian Financial Services Licence No 237491 – General Insurance Broker

 

 

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Australian Financial Services Licence No 237491

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