Updated 5 May 2017

AMI Insurance

Premier House Insurance and Advanced Contents Insurance

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Key data

Policy

Underwriter
IAG
Independent complaints organisation
Insurance & Savings Ombudsman
Sum insured or full replacement?
Sum insured only

Excesses

Standard excess - house
$400
Standard excess - contents
$250

Main cover - house

Personal liability - house policy
Up to $1 million
Temporary accommodation
Up to $20,000 per residential dwelling over 12 months; includes pets
Recreational features
Up to $40,000
Retaining walls
Up to $20,000

Additional cover - house

Blocked water or sewage pipes
No
Hidden gradual damage caused by internal water pipe, waste pipe or cylinder
No
Keys and locks
Up to $1000 (no excess)
Landscaping
No
Post-event inflation protection
Up to 10%
Reduced excess for glass or sanitary fixtures
Optional excess-free cover

Main cover - contents

Personal liability - contents policy
Up to $1 million
Temporary accommodation for homeowners following loss
Up to 25% of contents sum insured for maximum 12 months; includes pets
Temporary accommodation for tenants following loss
Up to 25% of contents sum insured for maximum 12 months; includes pets
Removal, return and storage of contents following loss
Up to $2000

Specific items

Bicycles
Present value
Books
Replacement value
Cameras and accessories
Replacement value up to $2000
Carpets and floor coverings - unfixed
Replacement value up to 10 years old
Clothing and footwear
Present value
Collections (eg stamps)
Up to $2000 per stamp, medal or coin collection
Computers and computer software
Replacement value for computers; present value for software
Credit card cover
Up to $1000 if card used fraudulently
Jewellery and watches
Replacement value up to $1000 per item; $15,000 total per event
Mobile phones
If total loss, new phone to use with or without existing contract (whichever is cheaper)
Money
Up to $250
Motor vehicle parts and accessories
No
Sporting equipment
Present value
Works of art
Replacement value up to $2000

Additional cover - contents

Hidden gradual damage caused by water pipe, waste pipe or cylinder
No
Home office and professional equipment
Up to $1500 for business equipment used at home or outside home
Keys and locks
Up to $500 (no excess)
Moving contents to a new address
Defined events while moving to a new address

Member reviews

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