Find out more about Insurance and how to make sure you have the right cover for your assets.
An Insured Event is an accidental, unexpected or unforeseen event your Home Insurance provides cover for. Depending on the type of cover you have, here are the Insured Events we cover:
There are some exceptions you need to know about. You can find out more in the CommInsure Home Insurance Product Disclosure Statement
We're here to help. You can make a claim over the phone by calling CommInsure on 13 24 23.
When applying for Home Insurance you'll be asked to nominate a sum insured for your building and contents. These should be as accurate as possible because this sum is the maximum your insurer will pay in the event of a claim.
Your building sum insured should equal the current total cost of rebuilding your home, including GST. It should also take into account any improvements you've made to your home, like garages, driveways and verandas. You should also include an amount for other costs associated with rebuilding, like demolition and debris removal, architectural, engineering, surveying and construction fees, as well as legal expenses. It's also a good idea to find out whether local government or building regulations will affect your rebuilding costs.
Your contents sum insured should equal the current total cost of replacing all of your contents, including GST.
There’s no need to list valuable items such as iPads or art as these will be automatically covered under your contents sum insured whilst located in your home. Jewellery and watches are automatically covered up to 25% of your contents sum insured; higher value items can be listed under customised portable contents cover.
We'll ask for some reasonable proof that you owned the items you're making a claim for. We call this “proof of loss and confirmation of ownership” and the different types help us to determine the value of the items and replace them with their closest possible match.
Here are some of the types of confirmation of ownership we might ask you for:
If you're unable to give us enough proof, we might refuse to pay all or part of your claim.
It's a good idea to have your home insurance policy number handy when you call to make a claim, as this will help us to quickly identify you.
We'll also need the full details of any loss, damage, or anticipated or alleged liability.
Yes, you could consider:
You can cancel your home insurance policy at any time by calling CommInsure on 13 24 23.
If you're comparing Home Insurance policies between different insurers, it's important to consider a few things:
Yes, you'll be covered as long as the international driver's licence is current and is recognised by Australian law as valid.
Yes. It's important to list anyone who drives your car, regardless of their age, as this will help to ensure your car is covered if an accident or incident happens while they're driving it.
Depending on the type of car you own, you can insure it for either market or agreed value. It's important to note this is only available with our Comprehensive Car Insurance.
Here are the differences:
To add more drivers the policyholder needs to call 13 24 23.
The following information is required for all drivers:
Adding more drivers might change your premium and the excesses payable at the time of a claim.
An Insured Event is an accidental, unexpected and unforeseen event your Car Insurance provides cover for.
Depending on the type of cover you have, here are the Insured Events we cover:
CommInsure will give you up to 14 days of temporary cover if you permanently replace your vehicle. These 14 days begin from the date you buy the new vehicle.
Please call 13 24 23 if you've bought a new car, as your policy will need to be updated.
For the temporary cover to apply:
The temporary cover will be the same type as your existing cover. For example, if you have Comprehensive cover your temporary cover will also be Comprehensive.
Call us on 13 24 23 if you need to change your address or the address of where your car is normally kept overnight.
If you have Comprehensive Cover and have the ‘Hire car following an incident' policy option CommInsure will arrange a hire car for you if they accept your claim for the following Insured Events:
CommInsure will pay up to $75 a day for up to 14 days. If a hire car isn't available, they'll provide you with a daily allowance of $30.
Please note: selecting this policy option means you'll be paying more for your insurance.