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General Insurance

Contents Insurance Tips

PLANNING TO BE AWAY? Many policies deny cover if you don’t “maintain your home in good repair and condition” or if you leave your home unoccupied for 60 consecutive days and don’t keep it “in a lived-in state” by: • keeping the lawns mowed and garden tidy • stopping regular mail and newspaper deliveries, and • organising someone to check inside and outside your home at least once a week.

Who needs life insurance?

TYPES OF LIFE COVER Life Cover - pays nominated beneficiaries a fixed amount of money if you die. Total and Permanent Disability (TPD) Cover - covers the costs of rehabilitation, debt repayments and the future cost of living if you are totally and permanently disabled. Trauma Cover - provides cover if you are suffer a major illnesses or injuries that will make a significant impact on a your life, (e.g. cancer or a stroke). Income Protection Cover- replaces the income lost through your inability to work due to injury or sickness.