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Call us now for an obligation-free second opinion about your insurance coverage
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Freecall number for
SA Country and Interstate callers
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Through Donnellys membership of the IBNA network of brokers, we are able to offer you a choice of arguably the two best home policies available as rated by a leading independent consumer organisation.
As a result, you have a choice of the IBNA Silver Star or Gold Star policies both of which offer a combination of the best features of other policies as follows:
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IBNA Gold Star Policy
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The IBNA Gold Star policy is an Accidental Damage policy which is the highest level of cover available providing comprehensive protection for your Home and/or Contents. You are covered for all the Defined Events listed in the Silver Star policy such as Fire, Explosion, Earthquake, Theft, Storm Damage, Liquid Leakage Damage plus Unspecified accidents such as Dropping, Spillage, Breakage in addition to Glass.
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Covers any accidental misfortune not specifically excluded so it provides a broad safety net cover and is not limited to a list of specified events cover like most policies
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Worldwide automatic cover for personal items such as jewellery, camera, sporting equipment and other contents while away from home. Most policies limit coverage to the residence for these items unless additional cover is requested
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Replacement cost as new coverage – even though your property or contents may be many years old. Some policies limit replacement cost coverage to certain items only
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Unspecified jewellery cover up to $10,000 per item
– usual limit is only $1,000
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Credit card fraud coverage if it is lost or stolen up to $5,000
– usual limit is $1,000
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Accidental loss or theft of money up to $1,500 at and away from home – usual limit is $500
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Landscaping damage up to $5,000 any one event
– usually limited to $1,000
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Storm damage to walls, gates and fences… not usually covered
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Veterinary expenses for pet injured in a road accident up to $1,000
– often not covered
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Tax audit of your financial affairs up to $5,000 expenses
– not usually covered
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Legal defence costs incurred by or against you up to $5,000
– not usually covered
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Mechanical or Electrical Breakdown of Home Appliances…
usually Fusion cover only
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IBNA Silver Star Policy
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The IBNA Silver Star policy is a high quality Defined Events cover which lists the events for which you are covered. These listed events include things such as Fire, Explosion, Earthquake, Theft, Storm Damage, Liquid Leakage Damage, Burning out of Electric Motor, Breakage of Glass. If it is not listed in the policy, an event is not covered.
If you require cover outside your Home for personal possessions you need a special risks section added to your policy for items as such as your mobile phone, iPod, camera, laptop, jewellery and sporting equipment. This policy option covers insured items against accidental loss, damage or theft anywhere in Australia and worldwide up to 90 days. This cover is automatically included in the Gold Star policy coverage.
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Covers a comprehensive list of defined events and many additional benefits not usually included in similar defined events style of policies
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Optional away from home coverage for personal items such as jewellery, camera, sporting equipment and other items anywhere in the world – often limited to Australia coverage
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Replacement cost as new coverage – even though your property or contents may be many years old. Some policies limit replacement cost coverage to certain items only
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Includes sporting equipment securely stored at your club’s premises...
not usually covered
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Unspecified jewellery cover up to $5,000 per item
– usual limit is only $1,000
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Legal liability for bodily injury or property damage anywhere in the world up to $20M
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Credit card fraud coverage if it is lost or stolen up to $5,000
– usual limit is $1,000
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Theft of money up to $1,000 from home – usual limit is $50
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Landscaping damage up to $5,000 any one event – often limited to $1,000
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Storm damage to walls, gates and fences... not usually covered
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Veterinary expenses for pet injured in a road accident up to $500
– often not covered
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Tax audit of your financial affairs up to $5,000 expenses
– not usually covered
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Legal defence costs incurred by or against you up to $5,000
– not usually covered
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Fusion of electric motors is covered for machines up to 15 years old... often restricted to 10 years old machines in other policies. No depreciation deduction applied to claims.
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Food spoilage cover due to freezer breakdown is unlimited in value
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*Note: This summary list of Main Policy Features is to be used as a guide only. Last updated: 04/08
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