Defined Events Policy
Affordable insurance for on-site caravan owners.
MHIA can provide you with the essential protection you need without breaking the bank.
Get a quoteThe 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.
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