Flood cover - Frequently asked questions

Is my home covered for flood?

Yes, our Home Contents, Buildings, Combined and Landlord Insurance have flood cover included as a standard feature for all policies taken out or renewing from 9 January 2012.

How do you determine if an address is prone to flooding?

We take into account data from various sources which may include local council flood mapping, historical flood information, terrain data and other insurance information, to identify addresses more prone to flooding.
We use this data to consider how often a property is expected to flood as well as how severe the flooding is when it does. We also look at the expected depth of flood water at a property — the greater the depth of water, the greater the expected damage.

What does flood cover include?

Our Home Contents, Buildings, Combined, Landlord and Strata Title Insurance policies include cover for flooding.
This means that you will be covered for damage as a result of:

  • Rainfall outside your local area causing a river or creek near you to overflow. For example, rain falls a distance away from your home and three days later the river near you overflows causing flooding to your home
  • Water escaping or being released from a body of water such as a river, lake, canal, dam or another natural watercourse but not the sea
  • You will also be covered for storm surge if it causes damage at the same time as a flood which causes the same loss or damage to your home or contents. Storm surge is an increase in sea level that usually happens when there is an intense storm or cyclone.

What cover do I get for water and storm damage apart from flood?

Our Home Contents, Buildings, Combined, Landlord and Strata Title Insurance policies cover you for damage caused by water and storm, such as:

  • Damage caused by violent winds, cyclone, tornado, thunderstorm, hail, rain or snow
  • Sudden, excessive run-off of water as a direct result of a storm in your local area. For example, where a storm causes water to build up in your street gutters

You're also covered for water leaking or escaping from swimming pools, pipes and appliances, such as washing machines or dishwashers.

Why does flood damage cost so much to repair?

Floods can cause considerable damage. Just a few centimetres of water throughout a home can cause extensive damage to the kitchen, carpet and furniture. Structural damage to homes and buildings is also expensive to repair.

Why does my neighbour have a different premium to me?

When we calculate your premium we assess individual addresses and a range of other rating factors. This means the cost of each policy will be different.

Does my onsite caravan insurance cover flood?

Our Onsite Caravan insurance has flood cover included as a standard feature for all policies taken out or renewing from 9 January 2012.

Does my car insurance cover flood?

Our Comprehensive and Comprehensive Plus motor policies cover your car for flood damage.

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