Type of Cover Accidental Damage Yes Optional Optional Yes. Defined Events No Yes Yes No

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1 Effective date of the comparisons: Product Cover: Home & Contents Secure Home Elite Insurance V3436E_0317 Home and Contents Insurance - Defined Events Budget-Home_0816 Home Insurance - Residential Home Package - Defined Events CIL1516_1016 Home and Contents Insurance - Premier Care INS100_1115 Type of Cover Accidental Damage Yes Optional Optional Yes Defined Events No Yes Yes No Basis of Cover Accidental Breakage of Glass or Sanitary Fittings Yes Yes Yes Limited Burglary, Theft or Housebreaking Earthquake Limited Yes Yes Yes Electrical Motor Burnout Limited Optional Refer to text Limited

2 Escape of Liquid Yes Limited Limited Limited Explosion Fire Flash Flood Yes Optional Yes Yes Flood Yes Optional Yes Yes Impact Yes Limited Limited Limited Lightning Malicious Damage Power Surge Limited Limited Yes Yes

3 Rainwater Riot or Civil Commotion Storm Storm Surge Limited No Ref. to Insurer Yes Tsunami Limited No Limited Yes Wind Related Benefits Additional Costs of Temporary Accommodation - Insured Events Sub Limit Sub Limit Limited Sub Limit Aggravated Theft/Robbery Away From Home Automatic Reinstatement of SI after Partial Loss Yes No Yes Yes

4 Building Materials awaiting Installation Sub Limit Sub Limit No Sub Limit Building Modifications Following Serious Injury Sub Limit Sub Limit No Sub Limit Business Equipment - Office/Surgery Only Sub Limit Sub Limit No Sub Limit Business Equipment - Stock Business Equipment - Tools of Trade Other than in Office/Surgery Sub Limit Sub Limit No Sub Limit Catastrophe Cover - Cover When Catastrophe or Emergency Declared Changing Permanent Risk Address Within Australia - Automatic Cover Limited No Limited Limited Claims Preparation Fees Incurred With Insurer's Consent Contents in Open Air at Risk Address Sub Limit Yes Sub Limit Yes Contents on Common Property

5 Sub Limit No No No Contracting Purchaser Cover Away From Risk Address - Contents in a Bank Vault/Safe Deposit Limited Ref. to Insurer Limited Yes Cover Away From Risk Address - Documents in a Bank Vault/Safe Deposit No No No Sub Limit Cover Away From Risk Address - Contents in Commercial Storage in Australia, Insurers Consent Obtained Limited No No Yes Cover Away From Risk Address - Contents of a Relative in Care Cover Away From Risk Address - Student Contents at an Institute of Learning Ref. to Insurer Limited Ref. to Insurer Ref. to Insurer Cover Away From Risk Address - Temporary Removal of Contents Sub Limit Sub Limit Sub Limit Yes Credit or Financial Card - Unauthorised Use Sub Limit Sub Limit Sub Limit Sub Limit Data Restoration Costs Yes No No Sub Limit

6 Death and/or Disablement Benefit Sub Limit No No No Demolition, Removal of Debris Sub Limit Sub Limit Yes Sub Limit Emergency Power Emergency Services/Authorities Damage - Insured Damage Not Required No No Yes No Emergency Storage of Contents Following an Insured Event Sub Limit Sub Limit Limited Sub Limit Employee's Contents Environmental Upgrade Sub Limit No No Sub Limit Excess Waiver for Total Losses Exploratory Costs Sub Limit Sub Limit Yes Yes

7 Extra Costs of Rebuilding i.e. Statutory or Government Charges Sub Limit Sub Limit No Sub Limit Fire Fighting and Services Charges No No No Sub Limit Forced Evacuation due to Government, Law Funeral Expenses No Sub Limit No Sub Limit Identity Fraud/Theft Inflation Adjustment Landlord Fixtures and Fittings (Insured being the Landlord) Sub Limit Sub Limit No No Landscaping Trees Shrubs Plants Sub Limit No Limited Sub Limit Legal Defence Costs (Separate from Legal Liability Costs) Loss of Metered Water

8 Loss of Rent Sub Limit Sub Limit No No Mortgage Discharge Costs No Sub Limit Yes Yes Mould Remediation New Building Purchase/ New Replacement Building No No No Sub Limit Newly Acquired Contents Items Pet Veterinary Care Sub Limit No Sub Limit Sub Limit Professional Fees ie Architect, Surveyor, Engineer Sub Limit Sub Limit No Sub Limit Psychological Counselling (Following an Insured Event) Repair Guarantee Yes No No Yes

9 Replacement of Locks and Keys Sub Limit Sub Limit Yes Sub Limit Reward Security Firm Attendance - Following Theft/Attempted Theft Sub Limit No No No Spoilage of Freezer or Refrigerated Food Sub Limit Sub Limit Sub Limit Sub Limit Strata Title Mortgagee Protection Optional No No No Strata Titled Properties - Other Tank Water Replacement (Replacing Water Used to Protect the Building and/or Contents) Taxation Audit Temporary Repairs/Protection Sub Limit Sub Limit Yes Yes

10 Transit to New Permanent Risk Address Within Australia Limited Sub Limit Sub Limit Sub Limit Utility Expenses Following Damage to Alternative Power or Water Systems Visitor's Contents Sub Limit Sub Limit Sub Limit Sub Limit Water Leak Prevention/Detection System Limits of Cover at Risk Address Aerials Bicycles Yes Yes Yes Sub Limit CDs/DVDs/Videos/Electronic Games/Digital Media Yes Sub Limit Yes Yes Collection of Contents or Valuables Sub Limit Sub Limit Yes Sub Limit Documents - Title Deed, Passport, Bond etc. Yes Yes Yes Sub Limit

11 Firearms Yes Sub Limit Yes Yes Furs Gold or Silver Articles Sub Limit Sub Limit Yes Yes Jewellery Sub Limit Sub Limit Sub Limit Sub Limit Mobile, CDMA, GSM, Satellite Phones Money, Cheques and Negotiable Instruments Sub Limit Sub Limit Sub Limit Sub Limit Oriental Rugs or Similar Sub Limit Sub Limit Yes Yes Paintings, Pictures Sub Limit Sub Limit Yes Sub Limit Photographic Equipment and Accessories Portable Electronic Equipment -

12 MP3/CD/DVD Players, Computers, Games Consoles etc Yes Sub Limit Yes Yes Sporting Equipment (not in use) Uncut or Unset Stones Sub Limit No No Sub Limit Unfitted Vehicle Caravan Boat Accessories or Spare Parts Sub Limit Sub Limit Sub Limit Sub Limit Works of Art Sub Limit Sub Limit Yes Sub Limit Other Sub Limit Sub Limit Personal Effects and Valuables (additional to Temporary Removal) Anywhere in Australia or New Zealand Optional Optional Optional Optional Overseas Optional Optional Optional Optional Workers Compensation Personal Injury to Persons Employed (Domestic) No No Optional Limited

13 Legal Liability Limit of Liability Limited Limited Limited Limited Basis of Cover Resulting From Definition of Accident/Incident/Occurrence Refer to text Refer to text No No Aircraft Liability Limited No No Limited Buildings in Course of Construction Limited Limited Limited Limited Club Committee Errors and Omissions Continuing Liability Cover Following a Total Loss Limited No No Yes Extended Motor Vehicle Liability - Legally Unregistered Vehicles Limited Limited Limited Limited

14 Legal Liability Costs Yes Yes Sub Limit Yes Legal Liability Costs Can Be Incurred without Insurers Consent Proven Income Loss/Court Attendance Costs at Insurers Request Strata Title Property Owners Liability Yes Yes Yes No Watercraft Liability Limited Limited No Limited Worldwide Liability When Contents Insured Occupancy of Building Occupancy Requirements Refer to text Refer to text Ref. to Insurer Refer to text Unoccupancy Period Unoccupancy Conditions

15 Definition The Insured Flood Part of Building Definition Building in Course of Construction Domestic Outbuildings Fixed Exterior Blinds and Awnings Yes Limited Yes Yes Fixed Floor Coverings excluding Carpets Inbuilt Pools, Saunas, Spas Limited Yes Limited Yes Internal Drapes, Curtains, Blinds Jetties, Wharves, Pontoons

16 Limited Yes Yes Yes Professional Offices or Surgeries No Limited No Limited Part of Contents Definition Strata Title Property Owners Fixtures and Fittings Tenants Fixtures and Fittings Yes Yes No Yes Unregistered Vehicles Limited Limited Limited Limited Watercraft, Motors and Equipment Limited Limited Limited Limited Exclusions and Conditions Action of Sea Excluded Excluded Refer to text Excluded Asbestos or Asbestos Derivatives Birds, Insects, Vermin, Termites, Moths or Animals kept at Risk Address

17 Building Alterations Additions Demolition Repairs Building of Flats or Strata Title Units, Caravans Computer Hackers/Hacking Excluded No exclusion Computer Virus or Malfunction Refer to text Excluded Refer to text Damage Intentionally Caused by Insured or on their Behalf Excluded Excluded Excluded Excluded Defects - Inherent and Other Earth Movement following a Storm Excluded Excluded Refer to text Excluded Erosion, Subsidence, Landslide, Earth Movement Excluded Excluded Limited Excluded Fire Related Damage Refer to text Refer to text No exclusion Refer to text Glasshouse or Conservatory Glass

18 Refer to text Excluded No exclusion Excluded High Water Refer to text Refer to text Refer to text Excluded Hotel, Motel, Nursing Home, Boarding House Hydrostatic Pressure Action on Pools/Spas Excluded Excluded Excluded Excluded Lawful Destruction/Confiscation of Insured Property Excluded Excluded Excluded Excluded Liability from any Professional, Recreational or Sporting Activity Malicious Damage by Tenants or Persons at Risk Address with Consent Excluded Optional Refer to text Excluded Mechanical or Electrical Breakdown (other than Fusion) Excluded Excluded Excluded Refer to text Pollution other than Involving Animals, Terrorism or War and Nuclear Activities Sanction Limitation Exclusion No exclusion No exclusion No exclusion No exclusion

19 Security System - Not Activated/Working Refer to text Refer to text No exclusion Refer to text Seepage Excluded Refer to text Refer to text Refer to text Settling, Shrinkage, Expansion Refer to text Excluded Excluded Refer to text Sports Equipment Whilst in Use/Play Excluded Excluded Excluded Tenanted Premises No exclusion No exclusion No exclusion Refer to text Terrorism No exclusion Refer to text Excluded Refer to text Theft by Tenants or Persons at Risk Address with Consent Excluded Optional Refer to text Excluded Theft of Property in Common Areas Excluded Refer to text No exclusion Tidal Wave Refer to text Excluded Excluded

20 Tree Lopping Excluded Excluded Excluded Excluded Unregistered or Unlicensed Firearms Excluded Excluded Refer to text No exclusion Use of Alcohol or Drugs Refer to text Excluded Excluded Refer to text War and Nuclear Activities Excluded Excluded Excluded Excluded Separate Basis of Settlement Clause Escape of Liquid from Shower Base/Wall Items Not Covered for Replacement/Reinstatement Matching Materials for Undamaged Floor Wall and Ceiling Coverings following an Insured Event Refer to text Refer to text Sub Limit Refer to text Pairs and Sets Storm, Rain, Wind to Gates, Fences, Freestanding Walls

21 Additional Information Refer to text Refer to text Refer to text 5 Refer to text 6 Refer to text 7 8 9

22 Disclaimer The comparisons provided above have been prepared as a guide and they are not intended to be exhaustive. Comparisons are based on the Insurer s standard policy. Actual terms and conditions may be subject to amendment by negotiation or where the insurer applies endorsements to suit particular circumstances. While the utmost care has been taken in the preparation of the guide, it should not be used or relied upon as a substitute for detailed advice or as a basis for making a business, financial or insurance decision. The product itself is only one criterion that should be considered when making a decision on what policy to accept. Other criteria are claims service, the financial strength of the underwriter and price. A decision on any one criterion alone is certainly not recommended. Copyright Policy Comparison International Pty Ltd. Produced on