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oncollins 发表于 2016-6-8 12:23 
strata 通常是包括浴室和厨房， 而大多数的strata policy 也有个 免费的benefit- owners fitting， 这个 ...
RESIDENTIAL STRATA INSURANCE - POLICY OVERVIEW
We are committed to the continual development of innovative Residential Strata products offering you superior protection. Our policies are tailored specifically for the unique needs of the strata market and provide comprehensive covers.
KEY FEATURES
Storm surge cover resultant from named cyclone
Automatic 15% Catastrophe cover (optional additional 15%)
Automatic 15% Loss of Rent cover (optional additional 15%)
Liability cover for Members, Volunteers, Voluntary Workers and Fire Wardens
Liability and Office Bearers’ cover for your Strata Manager whilst acting in the Body Corporate’s capacity
Strata Manager Defence costs
Office Bearers’ cover extended to 30 days following expiry
Office Bearers’ cover including automatic reinstatement of sum insured
Office Bearers' cover for unintentional acts outside of authority
Office Bearers' cover for your unintentional decision not to effect and maintain insurance as required under your strata legislation
Automatic Paint and Wall coverings cover (NSW/ACT)
Optional Floating Floor cover
SECTION 1 – BUILDINGS & COMMON CONTENTS
Your buildings and common contents are provided cover for accidental damage, physical loss or destruction of property by any cause not otherwise excluded in the PDS. Additional benefits provided include:
Damage to alterations, additions and improvements to your Building or Common Contents
Catastrophe Cover (automatic 15%, plus optional 15%)
Loss of Rent (automatic 15%, plus optional 15%)
Additional Costs for Electricity, Gas, Water Charges following unauthorised use
Capital Additions
Emergency Accommodation/Meal Costs
Emergency Costs to minimise losses
Exploratory Costs
Failure of Services
Fallen Trees
Fire Extinguishment
Funeral Expenses
Fusion of motors up to 5kw (6.7hp) and no age limit
Infectious or Contagious Disease, Murder and/or Suicide
Inflationary Costs
Landscaping
Loss of land value
Loss of rent, reletting costs, temporary accommodation and removal costs
Meeting Room Hire
Modifications due to injury
No co-insurance clause (average provision)
Pets and Security dogs
Property of Others
Restoration of records and electronic data
Environmental Upgrade
Communication Costs after large loss
SECTION 2 – GLASS
Your Property is provided cover for Breakage of internal or external Glass. This insurance is extended to include the Additional Benefits listed in Section 1.
SECTION 3 – THEFT
You are provided cover for Loss or Damage to Your Insured Property occurring as a result of theft or attempted theft. Additional Benefits include those listed in Section 1, as well as:
Loss of Keys
SECTION 4 – LIABILITY
The Owners Corporation/Body Corporate is provided cover for their legal liability following an event that causes personal injury or property damage. Additional Benefits for this section include:
Cover for Others including Members, Volunteers, Voluntary Workers and Fire Wardens
Recreational Activities
Services
Car Parks
Strata Managers Defence
SECTION 5 – FIDELITY GUARANTEE
You are provided cover for loss that is incurred as a result of fraudulent misappropriation of funds. Additional Benefits for this section include:
Auditors Fees
SECTION 6 – OFFICE BEARERS' LIABILITY
Committee members are provided cover for Loss arising from a Wrongful Act which results in a Claim. Office Bearers cover is extended to also include:
Advancement of Defence Costs
Reinstatement of Sum Insured
Continuous cover
Extended period of cover
Cross Liability
SECTION 7 – VOLUNTARY WORKERS
Voluntary Workers cover provides monetary benefits in accordance with the Schedule of Benefits of your policy in the event that a voluntary worker is injured or dies as a result of an accident while carrying out that voluntary work. Additional Benefits include:
Domestic Assistance
Funeral Expenses
Miscellaneous Expenses
Travel Expenses
SECTION 8 – GOVERNMENT AUDIT COSTS
Government Audit Costs include the reasonable and necessary Audit costs incurred due to an investigation of your financial affairs by a Government body.
SECTION 9 – LEGAL EXPENSES
Legal Expenses provides cover for costs you are liable to pay following legal proceedings brought against You. Legal Expenses is extended to also include:
Continuous Cover
Appeal Proceedings
SECTION 10 – WORKPLACE, HEALTH & SAFETY BREACHES
You are provided cover for legal expenses You incur in appealing against any imposition of an improvement or prohibition notice or determination made under any workplace, occupational health and safety or similar legislation. This section of the policy is extended to also include:
Continuous Cover
SECTION 11 – MACHINERY BREAKDOWN
You are provided cover against sudden and unforseen physical destruction or physical damage to machinery that requires repair or replacement to enable normal working of the machinery to continue. This section of the policy provides Additional Benefits for:
Hire of Temporary Machinery and Expediting Costs
Cover for Additional Machinery
SECTION 12 – LOT OWNER’S IMPROVEMENTS
You are provided cover for Damage to Lot Owners Improvements (i.e. new fixtures or upgraded fixtures to a unit) that are not otherwise covered in Section 1.
SECTION 13 – WORKERS’ COMPENSATION
You are provided cover for employees, subject to the relevant workers’ compensation legislation in the State or Territory where the employees are based.
Note: Some circumstances may make workers’ compensation insurance compulsory if you have employees.
This overview is intended as only a brief summary of the features, benefits, and covers provided by the Strata Unit Underwriters Residential Strata Insurance Policy. Each section of the policy is subject to exclusions, terms and conditions. For full details of the cover provided please refer to the PDS. Strata Unit Underwriters hold Australian Financial Services Licence Number 246719 and are authorised to provide Financial Product Advice and Deal in a Financial Product.
policy是这么写的。。。 |
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陈年旧事系列21 - 澳洲小伙子的收获 (2006-11-19) SuiYi 
楼主:yshi
发表于 2015-6-18 17:29
