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Terri 的免责条款，
General exclusions
General exclusions applying to this policy
You are not covered under any section of this policy for
damage, loss, cost or legal liability that is caused by, arises
from or involves:
1. 7 Revolution, hostilities, war or other acts of foreign
enemy, war like activity (whether war is declared or
not), military coup; or
7 Any looting or rioting following these incidents.
2. 7 Radioactivity or the use, existence or escape of
nuclear fuel, nuclear material or waste; or
7 Action of nuclear fission including detonation of any
nuclear device or nuclear weapon; or
7 Any action taken by a public authority to prevent,
limit or remedy the actual or threatened release of
any radioactive or nuclear materials; or
7 Any looting or rioting following an incident
described above.
3. Any intentional act committed by you, your family or any
person acting with your express or implied consent.
This policy also excludes any loss, destruction, damage,
death, injury, illness, liability, cost or expense of any nature
directly or indirectly caused by, contributed to by, resulting
from or arising out of or in connection with any action taken
in controlling, preventing, suppressing, retaliating against, or
responding to or in any way relating to 1, 2, or 3 above.
Additional exclusions applying to all sections of
this policy
a) We will not pay a claim under any section of this policy
when the claim is caused by or arises directly out of:
✗ A bushfire, storm, flood or tsunami that occurs within
72 hours of the start of this insurance policy.
However we will cover these incidents (to the extent
cover is provided by this policy) if your policy began
on the same day:
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• You bought the property; or
• Another policy covering the property expired. If
this is the case, we pay up to the sum insured
covered under the expired policy.
✗ Actions or movements of the sea;
✗ Water seeping through a wall or floor;
✗ Water entering the building through an opening made
for the purpose of alterations, additions, renovations
or repair;
✗ Erosion, vibration, subsidence, landslip, landslide,
mudslide, collapse, shrinkage or any other earth
movement, but we will cover landslide or subsidence
that occurs within 72 hours of, and directly because
of one of the following insured events:
• Storm;
• Flood;
• Earthquake or tsunami;
• Explosion.
✗ Poor housekeeping by your tenants or a member of
your tenant’s family or your tenant’s guests (poor
housekeeping includes costs associated with the
tenants untidy, unclean or unhygienic living habits);
✗ Rust, wear, tear, mould or mildew, oxidation, change
of colour, the action of light, atmospheric conditions
or vibration unless caused by an insured event;
✗ Damage caused by insects or vermin (such as
termites, rats, mice or wildlife) but we will pay for
resultant damage to the property caused by an
insured event listed under Section 2 and Section 3;
✗ Scratching, denting or chipping;
✗ The actions of cleaning;
✗ Damage from heat, smoke, or soot when the
building or contents have not caught fire;
✗ Tree roots;
✗ Inherent defects, faulty workmanship, structural
defects, faulty design or any gradual process;
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✗ You, or someone with your knowledge or permission,
committing or trying to commit an unlawful or criminal
offence, such as assault or malicious damage;
✗ Your possession, supply, manufacture or consumption
of any illegal substances or illegal drugs;
✗ You not obeying any commonwealth, state, territory
or local government law, including laws relating to:
• installing smoke alarms;
• pool fencing;
• failing to install a balcony railing or balustrade
when required;
• dangerous goods and liquids;
• firearms;
• control and safekeeping of dangerous or
restricted breeds of dogs, including not obeying
any legal requirement to restrain a dog in public
or keep it fenced in.
✗ An act by the tenant, where consent for the act was
given to them by you;
✗ Any loss or damage arising out of or connected with
keys being provided for the purpose of property
inspections;
✗ The tenant utilising the property for trade,
manufacturing or childcare with your knowledge and/
or consent;
✗ Mechanical or electrical breakdown or electrical power
surge, other than the burning out of electric motors;
✗ Damage to swimming pools or similar structures
caused by hydrostatic pressure;
✗ The removal or weakening of supports or foundations
for the purpose of alterations, additions, renovations
or repair;
✗ Settling, shrinkage or expansion in buildings,
foundations, walls or pavements;
✗ Consequential loss, such as having to hire a washing
machine because one provided by you for the
tenants use, was stolen;
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✗ Expropriation, lawful seizure, resumption,
confiscation, nationalisation or requisition of any
property by any lawfully constituted authority or
persons; or
✗ Destruction of, or damage to the building by any
government, public or local authority.
b) We will not pay a claim under any section of this policy
from the point in time that:
✗ You take over private management of the property; or
✗ You, your family or your non-paying guests take up
residence in the property; or
✗ The property is vacant, is not advertised for sale and:
• No effort is made to prepare the property for a
new tenant; or
• No effort is made to replace the tenant.
This effort must be within a reasonable period of:
• The tenant’s departure from the property; or
• You or your property manager becoming aware of
their departure,
whichever occurs later; or
✗ Your property is vacant and advertised for sale.
However we will provide the following cover under
your policy:
• ‘Section 1: Loss of rent’, providing you can
demonstrate a continuing reasonable effort was
made to obtain a new tenant (such as advertising
for a tenant), whilst you were simultaneously
marketing the property for sale; and
• ‘Section 2: Contents’ and ‘Section 4: Liability to
others’ while the property is advertised for sale
and vacant for a maximum period of 90 days.
After the property has been vacant for 90 days,
we will not pay a claim under any section of the
policy unless you have obtained our prior written
agreement for cover to be provided.
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c) We will not cover any loss, damage or liability:
✗ that occurred prior to the commencement of the
initial period of insurance; or
✗ arising from any existing circumstance that may lead
to a claim that you or your property manager were
aware of on or before the commencement of the
initial period of insurance.
d) There is no cover for loss of or damage to water in
swimming pools, spas or water tanks.
e) Despite any provision of the policy, we will not cover and
will not make any payments or provide any services or
benefit to you or to any other party to the extent that
such cover, payment, service or benefit would
contravene any applicable trade or economic sanctions,
law or regulation. |
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2016 Mazda 3 Maxx 牵车了...(9月22日加更一个月/1000KM 感想) (2016-8-29) hdc365 
楼主:sydnewcomer
发表于 2020-3-22 10:39
发表于 2020-3-22 11:13
