CGU Countrypak

Section 1

Coverage can be either Defined Events or Accidental Damage. Accidental Damage also includes cover for items away from home.

Information such as Year Built and Construction of premises are required.

Section 2

Farm Property

Coverage can be provided to Farm Buildings, Farm Contents and Farm Improvements either unspecified or specified.

Type of cover is Accidental Damage or Defined Events. For Theft cover, you do need to take out the separate Theft section of cover.

Accidental Damage also includes cover for Damage to Farm Contents or Specified items Australia-wide.

Section 3

Farm Machinery and Working Dogs

Farm Machinery cover is provided for Listed Events such as Fire, Vandalism, Impact, Storm and also Accidental Damage limited to $ 10,000. Theft is not insured unless separate Theft section is taken.

Working Dogs are covered for injury or death due to Accidental Damage, Theft or Sickness as defined.

Section 4

Theft

Theft cover can be provided for Farm Building, Farm Contents and Specified Farm Machinery and Specified Items.

Section 5

Hay, Grain, Fencing, Livestock and Farm Trees

Hay, Grain, Fencing, Livestock can be covered for Listed Events such as Fire, Vandalism, Impact.

For Hay and Grain, cover for Storm is provided whilst in an enclosed building.

For Farm Trees, cover is for damage arising from Fire and Vandalism.

Coverage includes Transit cover – Loss or Damage - up to $ 2,500 to Hay, Grain, Fencing or Livestock caused by collision or overturning of the conveying vehicle, while being relocated at the property or within a 50km radius.

Section 6

Business Interruption

Covers various options including loss of Farm Income,  Farm Continuation Expenses, Loss of rent or Loss of Agistment Income.

Section 7

Business Liability

Covers you for personal injury or property damage arising from your business operations.

Coverage is extended to include up to a maximum legal costs of $ 250,000 arising from a Coronial Inquest, Government enquiry relating to an alleged breach of statutory liability or an enquiry or prosecution before a legally constituted board or licensing authority.

Liability arising from the use of Drones is insured subject to policy terms.

Optional areas of cover include Aircraft Landing Areas, Farm Hosting ie including accommodation and meals for guest and Aerial Crop Spraying – Chemical overspray. For coverage to apply, your policy schedule must include these items.

Section 8

Machinery Breakdown

Covers Breakdown of Electrical Machinery, Electronic Equipment and Mechanical Machinery.

Exclusions include wasting or wearing out of parts from ordinary use or gradual deterioration, expendable items.

Section 9

Personal Income

Covers nominated persons for Death, Capital Benefits and Weekly Benefits arising from injury and sickness where noted.

Section 10

Road Transit

Covers you for damage arising from Fire, Hail, Collision and Overturning of conveying vehicle and Theft following forcible entry into conveying vehicle.

Exclusions include if items are being transported by you for fee, hire or reward.

 

Important Note: This is intended as a brief five (5) minute read of the major areas of cover, and does not replace a proper reading of the policy wording which has the full terms and conditions of coverage.