Questions & Answers
This information is specific to QBE Home insurance policies. If you have a more general question about your insurance, please click here.
Home & Contents
Q. Am I covered for accidental damage?
A. Not automatically. This is an option you can select at an additional cost.
Q. Are my carpets and blinds insured under building or contents?
A. Your carpets and blinds are covered by your Contents insurance.
Q. What is a 'Specified' item?
A. We have certain limits for particular high risk items. If you have an item that exceeds this limit, you need to specifically list the item on your policy. Most often we will need valuations, receipts or serial numbers as proof of ownership in the event of a claim.
There are two types of specified items. Specified Contents items are covered within the home. Specified Valuables items are also covered away from home. It does not cost extra to specify your Contents items on your Home Cover policy. For more information on the limits that apply to your policy, refer to your policy's Product Disclosure Statement and Policy Wording.
Q. Am I covered for flooding?
A. You are covered for flash flood but not river flood. For more information, refer to your Product Disclosure Statement and Policy Wording.
Q. I am going on holidays overseas. Do I need to notify you that my home will be empty?
A. If your house will be unoccupied for more that 60 days, you should contact us to continue your cover.
Q. Does my Contents policy cover items away from my home?
A. No. To protect your personal valuables away from home, you need to take out Valuables cover. This provides cover for accidental loss or damage anywhere in Australia and New Zealand or you can choose to buy Worldwide cover.
Q. My financier has asked for a Certificate of Currency. What is this?
A. A Certificate of Currency is a document that states that your financier has an interest in your building. Call us on 133 723 for more information.
Q. When can I start insurance with you if I am building a brand new house?
A. When your Certificate of Handover is provided by your builder.
Q. Is removal of debris covered?
A. Yes, providing your Sum Insured is adequate, you are covered for debris removal if we need to repair, replace or rebuild your home.
Q. How do I calculate my sum insured?
A. Use our quick and easy online calculator to help you choose a sum insured.
Valuables
Q. What does 'Miscellaneous' mean?
A. When you choose Miscellaneous Valuables cover, it means you do not have to specify every item you take away from home. To find out what items fall under the definition of Miscellaneous, check the Valuables section of the Home Cover Product Disclosure Statement & Policy Wording. Mobile phones and laptops must be specified as they are not covered by Miscellaneous items. Limits apply to Miscellaneous items cover. If you have an item(s) worth more than the limit, you will need to specify the item(s) to ensure it is adequately covered.
Q. If I claim on my Valuables cover, will it affect my No Claim Bonus on my Home Cover policy?
A. No, your Home and Contents cover is separate to your Valuables cover and will not be affected if you claim.
Q. What events am I covered for?
A. You are covered for loss or damage caused by ‘Defined Events’. For more detail on the Defined Events covered by your policy, please refer to the Product Disclosure Statement and Policy Wording.