Elementos no verbales del anuncio impreso del vino de finales del s

12.arising from or connected with the ownership or use of:

n a power driven vehicle, or motorcycle, other than

● an unregistered wheel chair,

● an unregistered battery powered single person vehicle,

● a battery powered child’s toy,

● an unregistered garden appliance,

● an unregistered golf buggy, which is not required to be registered;

n a powered watercraft, or a watercraft exceeding 4 metres in length and less than 10HP, other than a

● surf ski,

● surfboard,

● one to four person canoe;

n an aircraft or aerial device, other than a

● kite,

● model aircraft or model glider,

n a caravan or trailer,

n a hovercraft;

11.because you or your family own or occupy land or a building other than the siteor your building;

10.arising from a breach of a statutory provision;

9. arising from a reckless act or a deliberately harmful or damaging act by:

n youor your family;

n a person with the express or implied consent of you or

your family;

8. for financial or consequential loss;

7. arising from an agreement unless youor your familywould have been liable in the absence of the agreement;

6. for punitive, aggravated or exemplary damages (including interest and costs);

5. for fines or penalties (including interest and costs);

4. for loss or damage arising from or in connection with a business, profession or occupation, except where you let

We will pay all legal costs reasonably incurred with our written consent arising from a claim for which you or your family are insured under this Section.

Wewill not pay more than the limit shown on the schedulefor our

total liability under this Section in respect of all claims arising from an incident or series of related incidents, including all costs, charges, expenses and legal costs.

Wewill not pay more than this limit if both your buildingand your contentsare insured by this policyand this policyinsures you

and your familyfor the same liability.

6.3

Limit Of Liability

6.2

Legal Costs

18.arising from or connected with contamination or pollution of the land, air or water.

17.arising from or connected with the existence of asbestos;

16.arising from or connected with the supply of drugs or alcohol;

15.arising from libel, slander, defamation or malicious falsehood;

Important note: Where you are an owner builder you should organise special contract works insurance. If a registered builder is doing the work, you should ensure that your name is noted as principal on the builders policy.

14.connected with the construction, alteration or repair of your buildingexceeding:

n $25,000 where youare the owner builder; or

n $100,000 where a registered builder or contractor is doing the work;

13.arising from or connected with vibration or interference with the support of land, buildings or other property;

Wewill insure you and any member of your family against any claim for compensation or expenses which youor the member of

your familybecome legally liable in Australia to pay for an alleged or actual act or omission arising out of your position as a committee member of a sporting club or social club.

The most we will pay for this benefit in any one period of insuranceis $5,000.

Weinsureyouand any member of your familyagainst any claim for compensation or expenses which youor the member of your familybecome legally liable to pay for:

n the death of, or bodily injury to, any person;

n the loss of, or damageto, property,

arising from the ownership, custody, or use of any domestic trailer not attached to any vehicle resulting from an occurrence during the

period of insurance.

Wewill not insure youor your family:

n if you or your familyare entitled to be wholly or partly protected by any other policy of insurance which specifically covers the trailer (except where this exclusion would contravene s.45 of the Insurance Contracts Act, 1985).

6.5

Liability for unattached trailers

Wedo not insure youor your familyagainst liabilities arising from:

n any act or omission for which youor your familyreceive reimbursement from the sporting or social club, or

n any act or omission which is committed or alleged to have been committed prior to the period of insurance

commencing or after it has ended.

Wewill not pay if youreceive any payment or remuneration of any kind for holding the position.

6.4

Committee Member Of A Social

Or Sporting Club

If this policyinsures your buildingand weaccept yourclaim, at

our option we will pay for the reasonable cost of repairing, rebuilding or replacing your home at the site:

n to its condition when new; or

n to its condition when last renovated, altered or restored.

When we pay to repair or rebuild your building wewill match the existing materials, however where these materials are unavailable locally or it is not possible to match them wereserve the right to pay for the nearest equivalent or similar materials.

The maximum wewill pay is:

n the sum insuredshown in the schedule; plus

n the other benefits we have agreed to pay; less

n your excess;

but wewill not pay to upgrade your buildingif it is over-insured.

Wewill only pay if youstart rebuilding on the site within 6 months from the date when the lossor damageoccurred otherwise wewill only pay what it would have reasonably cost to repair, rebuild or replace your buildingat the time of the incident.

If this policyinsures your contentsand/or your valuablesand we

accept yourclaim, at ouroption wewill do one of the following in relation to each item.

a) Repair

Wewill pay the reasonable cost of repairing an item that can be economically repaired, but only up to the stated limit if it is a contents high risk itemlisted in 2.1. If the item is a specified contents item or a valuables item, we will pay up to the specified sum insured.

7.2

Your Contents and/or Valuables

- Repair or Replacement

Wewill not pay for the portion of these building costs which relate to the undamaged parts of your building.

7.1

Your Building -

Repair, Rebuilding Or Replacement