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Understanding Our New
Apia Village Style Residence Insurance PDS
Introducing the new Apia Village Style Residence Insurance Product Disclosure Statement (PDS) for policies renewing on or after 23 March 2021. The PDS contains important information you need to know about your Apia insurance product, please ensure you read it carefully.
We’ve changed the layout of the PDS to help make it easier to understand. And we have also made other changes to the policy – we have added and changed covers and we have added and changed exclusions and conditions.
Below are some examples of things we have changed:
- Extra support (new section in your PDS)
- Your responsibilities
- When you need to contact us about changes (we have expanded the situations when you need to contact us)
- Excess (when and how to pay)
- What good condition of your home, unit or contents means
- Things we don’t cover
- Temporary accommodation cover after an insured event
- How we settle your claim
- Lifetime guarantee on authorised home repairs
- Joint policyholders
- Conduct of others (new section in your PDS)
For full details, please refer to your PDS.
What we do not cover as the home
We have updated the PDS to state we do not cover any part of the home used for farming of any description (including buildings used for hobby farms) such as, but not limited to, a barn, dairy, shearing shed, silo or stable. This limitation does not include any building which could be used for farming but is not used for that purpose.
Several changes have been made to the ‘Your responsibilities’ section, including the below.
The reference to ‘take reasonable care’ to prevent theft, loss, damage or legal liability has been replaced with ‘take steps’. Ensuring there are working smoke detectors in the building is given as an example of a step you can take.
The obligation to keep the home compliant with building regulations and laws has been changed to apply ‘when construction, alterations or repairs are undertaken’. An example has been inserted for transparency.
The information above is not a complete list of the changes to your Apia Village Style Residence Insurance. For full details of what is and isn’t covered, please read the Apia Village Style Residence Insurance Product Disclosure Statement (PDS). Consider the PDS before making a decision about this insurance