Introducing the new CIL Secure™ Relocatable Home Insurance Product Disclosure Statement (PDS) for policies renewing on or after 23 March 2021. The PDS is an important legal document that contains details of the product you purchase so you need to read it carefully.

Here at CIL we want to provide clarity and certainty in your time of need. We’ve changed the layout of the PDS to help make it easier to understand. We have also made other changes to the policy – we have added and changed covers, exclusions and conditions.

! IMPORTANT CHANGE – Our Secure™ Relocatable Home Insurance will no longer provide any cover if you are an owner occupier and you rent any room to tenants or paying guests, or if you are a landlord and the home is used for short term rental, holiday letting or house sharing. This includes any arrangement made through online booking platforms, for example, Airbnb and Stayz.

Do not renew your policy if this applies to you as you will not have any cover. If you pay by direct debit, you will need to call us to cancel the direct debit.

Below are some other examples of things we have changed:

  • Your responsibilities
  • When you need to contact us
  • What good condition of your home means
  • How your claims will be settled
  • Excess (when and how to pay)
  • Joint policyholders
  • Conduct of others (new section in your PDS)
  • Things we don’t cover

For full details, please refer to your PDS.

Details of some of the changes to the PDS

Summary of your cover table

We have added a new ‘Summary of cover’ table including insured events, additional covers and optional covers to assist you with navigating the new format.

Short term rental and holiday lettings if you are a landlord

The policy will no longer provide any cover if you are a landlord and the home is used for short-term rental, holiday letting or house sharing, including an arrangement booked through an online booking platform. See ‘What we cover’ as well as ‘Things we don’t cover’ and ‘Out-of-pocket expenses’ in the PDS for more detail.

When you need to contact us

We have expanded the list of situations in which you need to contact us during the period of insurance. For example, you need to contact us if you have had another insurer cancel or decline an insurance policy, impose specific conditions on a policy or refuse a claim during the period of insurance. You need to tell us if you start manufacture, farming or repair work at the insured address; there are changes to a business activity at the insured address or if you lease or rent all or part of your home as temporary or short-term accommodation.

Renting rooms to others

The policy will no longer provide any cover if you live in the home and rent out or lease any rooms to a tenant or paying guest (including a boarder). See ‘What we cover’ and ‘Things we don’t cover’ in the PDS.

Change when there are joint policyholders

During the period of insurance, we might ask all joint policyholders before we action a request or direction in relation to your policy (e.g. before we cancel your policy, reduce your cover or remove another policyholder). This way we can help protect the interests of all policyholders.

New section - conduct of others

When we consider a claim, we will have regard to prejudice you have suffered due to conduct of others and may meet the claim when we are not legally required to do so.

Fire (including bush fire or explosion)

We have updated the cover to specify certain exclusions which apply to this cover. Please see the PDS for more detail.

We have also extended cover under this insured event. If there is a bushfire in your area (even if there is no actual physical loss or damage to the home) we cover the following extra costs up to $1,000 for any one incident.

the cost of replacing water in any tank, container, pool, spa and any other storage vessel where the water has:

  • the cost of cleaning fire retardant off the home.
  • been used to limit the spread of bushfire at the insured address; or
  • become contaminated due to the use of fire retardant at the insured address;
  • If your claim is for these extra costs only, no excess applies.

Your responsibilities

Several changes have been made to the ‘Your responsibilities’ section, including the below.

The reference to ‘take all reasonable care’ to prevent theft, loss, damage or legal liability has been replaced with ‘take steps’. Ensuring there are working smoke detectors in the home is given as an example of a step you can take.

An obligation has been added to keep the home compliant with local council requirements and building laws and regulations when construction alterations or repairs are undertaken. See ‘Your responsibilities’ in the PDS for more detail.

Theft or attempted theft

The insured event has been updated to include the following exclusion:

We don’t cover loss or damage caused by thieves or burglars entering your insured address from common property, shared clothes line areas, garages, storage areas or a car parking lot at the insured address without signs of forced entry, but we will cover theft without forced entry from a fully enclosed car garage which is restricted for your use only.

Escape of liquid

This insured event has been updated to expand on the exclusions to the cover. See ‘Escape of liquid’ in the PDS for full details.

Temporary accommodation and Lost rent (Out-of-pocket expenses)

The cover has been updated to:

  • remove the time limit we will cover temporary accommodation or lost rent for. The cover is now only limited to 20% of the home sum insured shown on the schedule for any one incident.
  • clarify that lost rent is only covered when the home is leased to permanent residents. There is no cover if the home is used for short term rental, holiday letting or for house sharing arrangements.

Temporary accommodation when you are a tenant

The cover has been updated to remove the time limit we will cover temporary accommodation for. The cover is now only limited to $2,500 in total for any one incident.

Personal Valuables

The ‘Personal valuables mean’ and ‘Personal valuables does not mean’ sections have both been updated with additional items.

Things We Don’t Cover

General Exclusions are now called ‘Things we don’t cover’.

‘Things we don’t cover’ has been updated and includes new and changed exclusions to be aware of.

‘Things we don’t cover’ includes some new and changed exclusions such as:

  • Home or contents not in good condition
  • Deliberate or reckless actions
  • Not complying with building laws or regulations
  • Deliberate or reckless actions
  • Communicable disease
  • Illegal drugs or other chemical or poisonous substance
  • Insects, vermin or rodents
  • When security or alarms are not working
  • Defects, faults, workmanship
  • Extra costs or other losses following an incident covered by your policy
  • Renting Rooms
  • Short-term and holiday rentals if you are a landlord
  • Drones (liability exclusion)
  • Motor vehicles or motorcycles (liability exclusion)

Changes to Claims Section

Changes have been made to the Claims section including, introducing or changing:

  • Proving loss, ownership and value
  • How we settle home claims
  • How we settle contents claims
  • How we deal with defects, faults and poor workmanship
  • Matching materials

Details of some of the changes to the Claims Section

How we settle your contents claim

We have made some changes to how we settle contents claims. Some of the options will depend on whether a member of our supplier network can complete the repair or rebuild or whether the item can be repaired or replaced.

How we settle home claims

There have been some key changes to how we settle home claims. We will always aim to repair or rebuild the damage to the home using a member of our supplier network.

If you do not accept our offer to repair or rebuild your claim will be cash settled. This amount will be based on the assessed quote amount for a member of our builder supplier network to repair or rebuild on a ‘new for old’ basis. This cash settlement amount may be less than what it would cost you to arrange a repair or rebuild in the open market (due to supplier discounts available to CIL).

Alternatively, if for whatever reason, a member of our supplier network is unable to complete the repair or rebuild, we will ask you to engage a builder to provide a scope of works and provide a quote on the cost to repair or rebuild on a ‘new for old’ basis. Following an assessment process, if that quote is appropriate and reasonable, we will pay you the assessed amount.

Lifetime guarantee on home repairs

If we pay you for the repair or rebuild, the lifetime guarantee on home repairs does not apply. When the lifetime guarantee does apply, we will guarantee the standard of the workmanship to be free of defects. We no longer guarantee the quality of materials.

Our right to recover from those who are responsible

We have added examples of the assistance that may be required from you if we take action against a party for the recovery of your loss.

The information above is not a complete list of the changes to your CIL Secure™ Relocatable Home Insurance. For full details of what is and isn’t covered, please read the CIL Secure™ Relocatable Home Insurance Product Disclosure Statement (PDS). Consider the PDS before making a decision about this insurance.

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