Find the right home insurance with Dodo and receive discounts on your cover
Whether you are looking to protect your home, contents or both, Dodo offers comprehensive cover that's still straightforward and flexible. Dodo policies are underwritten by Auto and General Insurance Company, who manages hundreds of thousands of policies in Australia.
This review will explore some of the features of Dodo's policies.
Comparison of policies available from Dodo
What policies are available from Dodo?
Dodo offers the following Home and Contents Insurance options to Australian customers:
- Dodo Home & Contents Insurance. If you wish to combine all the benefits of Dodo Home Insurance and Dodo Contents Insurance into one policy, consider this option. It is designed to provide comprehensive coverage for your home and possessions against all the risks covered by the separate policies listed above.
- Dodo Home Insurance. Dodo Home Insurance is designed to cover your residential building, domestic fixtures and permanent structural improvements against loss or damage caused by a wide range of risks. Insured events include fire, explosion, theft, attempted theft, malicious damage, vandalism, accidental glass breakage, storm and rainwater, lightning, earthquake and more. Removal of debris, temporary accommodation and rebuilding costs are also covered, as is your legal liability.
- Dodo Contents Insurance. Dodo Contents Insurance is designed to cover your household goods and personal effects that you own or are legally responsible for when they are in the home at the insured address. Cover is provided for loss or damage caused by fire, explosion, theft, vandalism, storm and accidental glass breakage, while removal of debris, temporary accommodation costs are covered as well. Dodo also provides cover for open-air contents and contents temporarily removed from the insured address, as well as up to $20 million of legal liability cover.
What does each policy cover?
Dodo Home Insurance
- Cover for loss or damage caused by fire, explosion, storm and rainwater, lightning and earthquake
- Cover against theft, attempted theft, malicious damage and vandalism
- Cover against the sudden and unexpected escape of liquid
- Accidental breakage of glass, ceramic and sanitary fixtures
- Removal of debris and extra rebuilding costs
- Temporary accommodation costs
- Landlord Benefit to cover loss of rent and fixtures and fittings
- Mortgage discharge costs if your home is a total loss
- $20 million legal liability cover
- Optional motor burnout, accidental damage and flood cover available
- Option to extend your home sum insured by up to an additional 25%
Dodo Contents Insurance
- Cover for loss or damage caused by fire, explosion, storm and rainwater, lightning and earthquake
- Cover against theft, attempted theft, malicious damage and vandalism
- Cover against the sudden and unexpected escape of liquid
- Accidental breakage of glass, ceramic and sanitary fixtures
- Removal of debris and extra rebuilding costs
- Temporary accommodation costs
- Replacement of locks when keys are stolen
- Cover for open-air contents, contents temporarily removed from the insured address, and contents when you are moving to a new address
- Cover for lost or stolen financial transaction cards
- Optional cover for personal effects and floods
Dodo Home & Contents Insurance
- Cover your home and contents against loss or damage caused by fire, explosion, theft, vandalism, storm, lightning, earthquake, and the escape of liquid
- All the same benefits as Dodo Home Insurance and Dodo Contents Insurance
- Buy online and save 35%
- Pay premiums annually or monthly
When won't you be covered?
General exclusions you should be aware of
Your Dodo Home Insurance claim will not be paid if:
- It results due to actions of the seas, high water or underground water
- It is caused by the presence of asbestos at your home.
- It is caused by any criminal or illegal act or omission by you.
- It is caused by you (or someone with your knowledge or permission) using any part of the home for criminal or unlawful purposes.
- It arises because you fail to comply with any Commonwealth, state, territory or local government law or regulation, for example regarding pool fencing, the installation of smoke detectors or the possession of illegal drugs.
- It is for loss or damage to any part of the home specifically used for any business, trade or profession.
- It is for consequential or indirect loss or inconvenience.
- It arises due to a design fault, structural defect or faulty workmanship that you knew about and did not fix.
- It results because you fail to maintain your home or contents in good condition.
- It is caused by erosion, vibration, subsidence, landslip, landslide, mudslide, collapse or any other earth movement. However, earth movement that occurs within 72 hours and as a direct result of earthquake, explosion or storm and rainwater will be covered.
- It is caused by gradual deterioration such as rust, rot, mould and mildew.
- It is caused by an intentional act by you or your family.
- It is for the costs to recover, reinstall or replace electronically stored files or data.
- It is caused by mechanical or electrical breakdown.
- It arises due to the lawful seizure, repossession, confiscation, nationalisation or requisition of your home or contents.
- It is caused by tree lopping or felling.
- It is for loss or damage caused by bushfire, grassfire, or a storm within the first 72 hours of cover.
- It is for loss or damage that occurs after your home has been unoccupied for a period of more than 60 consecutive days.
- It is caused by insects, birds, rodents or vermin.
Who is eligible for Dodo Home Insurance?
Dodo’s Home & Contents Insurance policies are available to all Australian homeowners. It’s up to you to ensure that you keep your home, contents and personal effects in good condition, and that you take all reasonable steps to prevent any loss, damage or liability from occurring.
It’s also worth remembering that all cover stops if your home is left unoccupied for more than 60 consecutive days. However, Dodo may cover your home and contents when you’re away from home for an extended period if you advise Dodo of this beforehand and the insurer agrees to provide cover.
Making a claim
If any incident occurs that could lead to a claim on your Dodo Home Insurance policy you must:
- Take all reasonable precautions to prevent or minimise any further loss, damage or liability.
- Report any theft or vandalism to the police as soon as possible.
- Contact the insurer as soon as possible and provide the full details of what has happened
- Provide evidence of the value or ownership of any goods or property that have been lost, stolen, damaged or destroyed
- Give Dodo the opportunity to inspect any damaged goods or property before they are repaired or disposed of.
- Obtain the insurer’s consent before authorising any repairs
Some questions you might have
Is there a cooling-off period?
Yes, a 21-day cooling-off period applies. You can change your mind about cover during the first 21 days and receive a refund if you decide to cancel your policy.
Who underwrites Dodo’s Home and Contents Insurance policies?
Dodo’s policies are underwritten by Auto & General Insurance Company Limited.
Does Dodo Home Insurance offer flood cover?
This is available as an optional extra for an additional premium.
What is the Sum Insured Safeguard?
This optional extra, available for an additional premium, allows you to extend your home sum insured by up to an additional 25% if the sum insured you have previously nominated does not cover the amount necessary to replace or repair the damage to your home.
How much will premiums cost?
The cost of your Dodo Home Insurance premiums is affected by a range of factors, including your sum insured, the location and construction of your home, any security devices fitted, how the home is occupied and your previous claims history.
When do I pay my premiums?
You can pay your premiums annually or monthly, but paying in monthly instalments may result in higher premiums.
