How do I make a motor burnout claim?

To make a motor burnout claim you generally need to contact your insurer as soon as possible. They will guide you through the process which usually involves submitting a claim form providing details of the incident, the appliance affected and any supporting evidence like photos or a repair quote. An assessor might need to inspect the damaged appliance before your claim can be approved.

Is there an excess for motor burnout claims?

Most motor burnout claims will require you to pay an excess. An excess is the out of pocket amount you contribute towards a claim. The exact amount of the excess will depend on your specific policy and insurer, so always check your product disclosure statement.

Can I get motor burnout insurance as a standalone policy?

No, motor burnout insurance is typically an optional extra or add on to a standard home and contents insurance policy. You cannot usually purchase it as a separate standalone cover.

Does motor burnout insurance cover appliances like pool pumps or bore pumps?

Motor burnout insurance generally covers a range of common household appliances such as fridges, washing machines and air conditioners. But cover for fixed outdoor appliances like pool pumps, bore pumps or spa motors can vary significantly between insurers. Always check your policy's product disclosure statement to confirm if these specific items are included.

How is the payout calculated for a motor burnout claim?

The payout for a motor burnout claim is usually based on either new for old replacement or market value. New for old cover means your insurer will replace the burnt out appliance with a new one of similar features and capacity without deducting for depreciation. Market value cover means you receive the depreciated value of the appliance at the time of the burnout. Your policy document will specify which method applies to your cover.

Are there any waiting periods for motor burnout cover?

Some insurance policies may have an initial waiting period before you can make a claim for motor burnout. This period typically ranges from a few days to a month or more from the policy's start date. It is important to review your product disclosure statement to understand if any waiting periods apply to your motor burnout cover.