Ozicare Home and Contents Insurance Review | finder.com.au
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Ozicare Home and Contents Insurance

Is Ozicare Home Insurance right for you? Find out what options are available from Ozicare.

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Alexandra Koster
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Ozicare offers two types of policies to cover your home and possessions: Home Insurance and Contents Insurance. Each type of cover can be taken out as a standalone policy, or you can combine your Home and Contents policies into one package and receive a 15% discount. A further 15% discount is available if you purchase cover online, resulting in a total premium discount of 30%.

  • Ozicare Home Insurance. This policy provides cover for your residential building, domestic fixtures and permanent structural improvements against a wide range of insured events.
  • Ozicare Contents Insurance. Contents Insurance from Ozicare provides cover for your household goods and personal effects, protecting you against loss or damage.
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What levels of cover are available?

Ozicare offers two levels of cover: Home and Contents insurance. These can either be combined or taken out as standalone cover.

Ozicare Home Insurance includes the following benefits:

  • Covers loss or damage caused by fire, theft, vandalism, storm, impact, explosion and more
  • Cover for accidental glass breakage
  • New for old cover
  • $20 million legal liability cover
  • Removal of debris and rebuilding costs
  • Temporary accommodation costs
  • Landlord benefit
  • Mortgage discharge costs
  • 21-day money-back guarantee
  • 15% discount when you purchase cover online

Ozicare Contents Insurance includes the following:

  • Covers loss or damage caused by fire, theft, vandalism, storm, impact, explosion and more
  • Cover for accidental glass breakage
  • New for old cover
  • Temporary accommodation costs
  • Cover for open-air contents, food spoilage, temporarily removed contents and contents while moving
  • Cover for guest and visitor contents
  • $20 million legal liability cover
  • 21-day money-back guarantee
  • 15% discount when you purchase cover online

Ozicare Home Insurance excess

When you make a claim on your Ozicare Home or Contents Insurance, you’ll need to pay an excess. This is the amount you must contribute towards the cost of any claim, and an excess must be paid for each incident that causes loss or damage.

If you make a claim, the insurer will inform you whether the excess needs to be paid to a repairer or supplier, directly to the insurer, or whether it will be deducted from the benefit paid to you.

Who is eligible for Ozicare Home Insurance?

Before taking out Ozicare Home Insurance, it’s essential to check whether you meet all the conditions of cover. These include:

  • You must keep your home and contents in good condition.
  • You must take all reasonable steps to prevent loss, damage or liability.
  • Cover stops when your home has been unoccupied for more than 60 consecutive days. However, the insurer may provide cover while you are away for an extended period if you advise it beforehand and agree to any conditions regarding the security of your home.
  • If you have advised the insurer that your home and/or contents are protected by any security devices, you must ensure that those devices are kept in good working order.

Making a claim

If your home or any of your contents are lost or damaged, or if any other incident occurs that may lead to a claim, it’s vital that you take all reasonable steps to prevent any further loss, damage or liability. Report any theft or malicious damage to the police immediately, and contact Ozicare as soon as possible to notify them of your claim.

You’ll need to provide full details of what has happened and provide evidence of the value and ownership of goods or property that have been lost, stolen or damaged. The insurer may request the opportunity to inspect any damaged goods or property, and you’ll need to obtain the insurer’s consent before any repairs can begin.

General exclusions

It’s important to be aware of the general exclusions that apply to Ozicare Home and Contents Insurance. Your claim will not be paid if:

  • It is caused by flood, unless you have selected this optional cover
  • It is caused by high tide, king tide, tidal wave, tsunami, storm surge or any other action of the sea
  • It is caused by underground water seepage or pressure
  • It is caused by the presence of asbestos at your home
  • It arises due to any criminal or illegal act or omission by you, or because your home was being used for an unlawful purpose
  • It arises because you fail to comply with any law or regulation relating to pool fencing, smoke alarms, emissions or pollution, dangerous goods, firearms, illegal drugs or restricted breeds of dogs
  • It is caused by fines, penalties, court costs, punitive, exemplary or aggravated damages
  • It is for loss or damage to any part of the home specifically used for any business
  • It arises due to a design fault, structural defect or faulty workmanship that you knew about but did not fix
  • It is for consequential loss of any kind
  • It arises because you failed to maintain your home and/or contents in good condition
  • It is caused by erosion, subsidence or landslide (except when caused by earthquake, explosion or storm and rainwater and occurred within 72 hours of one of those insured events)
  • It is caused by rust, corrosion, rot, mould, rising damp, mildew, gradual deterioration or wear and tear
  • The loss, damage or liability is intentionally caused by you, your family or someone acting with your consent
  • It is caused by mechanical or electrical breakdown
  • It arises due to the lawful seizure, repossession or confiscation of your home and/or contents
  • It is caused by tree lopping or felling
  • It is for loss or damage that occurs after the home has been unoccupied for more than 60 consecutive days
  • It is caused by insects, birds, rodents or vermin

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