In addition to cover for fires and bushfires, Youi is the only policy we looked at that specifies it covers:
All home insurance policies typically cover fires but Youi's product disclosure statement (PDS) is much more detailed. Unlike others, it clearly specifies you're covered for accidental fires, including fires caused directly by mechanical or electrical failures. Some other insurers don't cover this automatically.
| Response | Female | Male |
|---|---|---|
| Fire protection | 30.17% | 29.14% |
Fire insurance generally covers you for loss or damage caused by: fire, bushfires and grass fires and smoke.
Here's how different parts of a home insurance policy can help if your property is affected by fire.
When you are ready to claim after a fire, here's 4 things you need to do:
Let them know ASAP so that they can assess the damage.
Take photos of the damage, get the police report and make a list of what you lost in the fire. Try to locate proof of ownership of the items you lost.
Fill this out on the insurer's website and send it back to them along with the evidence you've gathered.
If your claim is accepted, your insurer will pay to repair or replace whatever is covered by your policy. If your claim is denied, you have the right to several rounds of appeals, first through the insurer's internal disputes department and then through the Australian Financial Complaints Authority (AFCA).
Here are some reasons an insurer could deny your claim:
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