Defined Events Policy
Affordable insurance for on-site caravan owners.
MHIA can provide you with the essential protection you need without breaking the bank.
The best bits included for you.
Optional bits to improve your cover.
Stuff we don't include
We cover a range of different breakage events including broken windows. Read through our PDS for the full list of inclusions and relevant excess's for each.
If the appliance is not repairable we will pay the cost to replace the item less 10% per year for wear, tear and depreciation.
Loss or damage caused by explosion or by fire, including bushfire.
Loss or damage caused by burst pipes (even if you're not home at the time).
Loss or damage caused by rainwater run-off and loss or damage as a result of power surge caused by lightning.
If the damaged property is your primary residence and is deemed unliveable than we will pay up to a limitation on accommodation.
Covers only accidental damage to glass forming part of your home e.g. windows, shower screens. There is no cover for your contents, or for accidental breakage whilst the home is tenanted
No, it does not.
If your home is destroyed by a covered event and is deemed a total loss as the repair costs exceed the sum insured, we will pay the total amount of your sum insured plus any additional benefits applicable. Your excess will then be deducted from this figure.
Yes, our contents policy covers theft when forced entry is involved.
No, we will not cover loss or damage caused by a malicious act by you, a tenant or anyone with whom you live or anyone who enters your home with your consent.
No, We utilise experienced, qualified builders that are part of our supplier network. They offer a lifetime guarantee on home repairs, which ensures the quality and workmanship of the repairs we authorise to your home for the lifetime of your home. If you request a cash settlement of the quoted amount to manage the repairs yourself and we agree, the lifetime guarantee will not apply.
We cover loss of food from your refrigerator up to $750.00 (less any applicable excess) which is caused by the breakdown of the unit.
No. We can only accept monthly instalments paid by direct debit from your bank account.
Ready to get protected? Find out how much you could save by switching to MHIA Insurance.
Get a quoteNot sure how much to insure your home for? Use these handy calculators to get an estimate.
Open CalculatorsNeed to lodge a claim? We're always here to help you - 24 hours, 7 days a week, 365 days a year.
Lodge a claim
Brendan Richards
December 2022
MHIA insurance is so much cheaper than all other insurance companies for retirement villages. I saved over $30 per month!! Good to see they are so assuring about cyber security, obviously on top of their game.
Judy Cole
February 2023
From my initial email enquiry to insure my onsite caravan/annexe MHIA's response was very prompt. The quotation process was easy, staff very helpful and knowledgeable. I have no hesitation in recommending MHIA Insurance.
Susan Ridgway
January 2023
We are heading into our 3rd year with MHIA and their customer service in regard to renewal etc. is top notch. Everything is easy to follow making it a straight forward renewal.
Joanne Ferguson
May 2022
A recent accident in our home damaged my husbands computer, the local computer repair place said it couldn't be fixed so we thought we would claim it on our MHIA insurance policy. The staff at MHIA were so helpful, we claimed online, sent photos of the damage and the report from the repair place and within a couple of days our claim was approved and the money in our bank to buy a new computer. Such great service and the monthly premiums are so much cheaper than many other insurance companies.
Colin Lindsay
October 2022
Thanks for the warning about increased inclement weather due to La Nina. The check list was very handy and we are pleased to say it seems we have kept one step ahead of your suggestions as everything has been done.
Brian Richmond
April 2022
Our experience with MHIA was amazing. From the moment they answered my first phone call we knew we were in capable, caring hands. Everyone we dealt with at MHIA during the five and half months ordeal of having Greg's house repaired after the fire were excellent, thank you MHIA.
Lynette Gullifer
January 2022
I have been dealing with the team at MHIA insurance for a claim and have found the whole process to be very easy and friendly. From claim to settlement less than a week which is great. I can now have my solar back. Once again thank you MHIA.
Pat Kenney
March 2022
I rang MHIA and spoke to a delightful young lady and explained that I had a claim, explained exactly the reason and she went and spoke to claims manager, she apologised for the wait and then advised me what I needed to do. I sent the necessary paper work off (emailed) and within three days claim was approved. Unbelievable and caring service. Would certainly recommend them
Paul Spiteri
March 2022
Called for a quote for home and contents insurance for our new Lifestyle Communities home. They answered all our questions and followed up promptly with a very competitive quote by email which we later accepted. Called them back and arranged monthly payment over the phone for no extra cost. Highly recommend MHIA for their service. Thank you.
Pauline O'Loughlin
May 2022
From the time I made the claim to the final closure ALL the staff I dealt with were polite and professional making this whole process as simple as possible.