交割前给unit买保险，有什么公司推荐，加分请教

angelinss

距离交割还有不到2月，想给unit买保险.

1. 里面没人住，有一些电器
2. Under strata
3. 我想连wall paint和后院的render一起保，strata 明确说不保后院的render


有什么公司可以选择吗？

杨小雯18

由Strata负责买保险？自己只买content?

angelinss

杨小雯18 发表于 2021-12-6 10:21
由Strata负责买保险？自己只买content?

strata说不负责render, 但保险公司又不给我保render

CBinsure

再Strata scheme下买的contents insurance，很多会延申到fixture and fitting 部分，
如NRMA 的contents insurance

https://www.nrma.com.au/sites/nr ... 721_nsw_act_tas.pdf

Fixtures for owners and landlords – strata scheme
Buildings Insurance Contents Insurance
Home Home Plus
If your home is under a strata or similar scheme and a listed event causes loss or
damage to the fixtures shown here.
Covered under Contents Insurance
• the following fixtures:
– built-in furniture and cupboards
– stoves
– hot water services
– shower screens
– paint and wallpaper
– built-in air-conditioner
– fixed awnings
– solar panels
– carpets
– floating floorboards.
Any amount payable for this benefit is included in your Contents sum insured.
Not covered
• items that are:
– covered by an insurance policy taken out by an owners’ corporation or similar
body, or
– part of common property
• loss or damage caused intentionally by:
– you or someone who lives in your home – for example, your tenants, or
– someone who enters your home or site with your consent, or the consent of
someone who lives there

CBinsure

但是楼主的case 重点不在这里，重点在无人居住这点

一般的财险公司很少保无人居住的物业的，尤其是正准备出售的物业，unoccupied的 property 一般要走商业保险，但是会很贵

所以如果lz即使买了保险，很可能不被cover的

CBinsure

We don’t cover loss, damage, injury or death arising from:
• faulty design or workmanship
• previous damage that has not been repaired
• you leaving your home unoccupied for 60 consecutive days or more and not
maintaining it in a lived-in state by:
– keeping the lawns mowed and garden tidy
– stopping regular mail and newspaper deliveries, and
– organising someone to check inside and outside your home at least once
a week
• you not maintaining your home in good repair and condition – this means that
your home must be watertight, structurally sound, secure and well maintained
• you not maintaining your site in good repair and condition
• you illegally keeping explosives, flammable or combustible substances or
liquids in your home or at your site
• you not taking reasonable care to protect your home and contents against loss
or damage.

P66
https://www.nrma.com.au/sites/nr ... 721_nsw_act_tas.pdf

CBinsure

所以，如果楼主以前没有买contents insurance ，现在买可能来不及了···

angelinss

CBinsure 发表于 2021-12-6 13:10
但是楼主的case 重点不在这里，重点在无人居住这点

一般的财险公司很少保无人居住的物业的，尤其是正准备 ...

他们问我的其中一个问题是： 60天内有没有打算occupy.

我最开始回答的是no, 然后allianz/budget direct都不给保

我现在想是不是我该回答no,如果卖不出去，我就再继续租出去. 这样是不是就给保了