Contents Pet Travel Claims Help

A smart way to cover your contents

It's important to know what you are covered for. The Qikio Contents Insurance Product Disclosure Statement (PDS) is easy to understand.

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Cover for when it matters

It's important to know what you are covered for. The Qikio Product Disclosure Statements (PDS) is simple and easy to understand.
The Qikio Contents Insurance policy covers physical loss or damage to your contents which is caused by the Defined Events listed below (which occurs at the insured location).
Fire
Storm, flood & storm surge
Lightning
Riot or civil commotion
Earthquake and tsunami(excluding actions of the sea)
Theft, attempted theft or burglary(with forcible and violent break-in, and not by you or a family member or any person living at or invited to the insured location)
Impact from certain sources(like motor vehicles and falling trees)
Vandalism and malicious damage(unless caused by you or a family member or any person living at or invited to the insured location)
Explosion(not including loss or damage to the item that exploded)
Escape of liquid(from certain sources like fixed guttering and fixed pipes. Not including damage to item from which the liquid escaped)
Animal damage(where the animal becomes trapped inside the insured location, it does not belong to you or anyone living at the insured location and was not allowed inside the insured location)
Additional benefits

The following additional benefits are included with your contents cover and are paid in addition to your sum insured, unless stated otherwise in the PDS or an exclusion applies.

Limits and sub-limits apply to all additional benefits – please see the PDS for details.

Damaged contents removal Cover for the necessary and reasonable expenses to dispose of damaged contents following a covered claim.
Alternative accommodation The reasonable cost of temporary alternative accommodation required following a covered claim.
Contents in transit Cover for certain contents lost or damaged in transit to the insured location caused by certain events. This benefit is not in addition to your sum insured.
Food, medicine and wine spoilage Replacement of food, medicine or wine which spoils due to changes in temperature caused by certain events.
Emergency repairs Cover for emergency repairs at the insured property to protect your contents from a defined event.
Emergency preventative measures Costs for emergency preventative measures to protect your contents from storm, flood or bushfire.

The above content is a summary only of the cover provided by the Qikio Contents Insurance policy and is not exhaustive. Please refer to the PDS for a full description of cover.
Cover is provided up to the sum insured you select. Sub-limits apply to certain items (such as $5,000 for loss or damage to mobile electronic devices, and $2,000 per item and $5,000 in total for loss or damage to valuables). An excess (in the amount you selected) applies to all claims (and an additional unoccupied excess applies if the insured location has been unoccupied for more than 60 continuous days).
Please refer to the PDS for further information on the terms, conditions, limits, sub-limits and exclusions.

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