Commonwealth Consolidated Regulations

INSURANCE CONTRACTS REGULATIONS 1985 - REG 14

The following, except in so far as they are excluded by regulation 15, are declared to be prescribed events in relation to a contract referred to in regulation 13:

(a)

destruction of, or damage occurring to, the contents of the residential building which is specified in the contract, at a time when they are in the residential building or on the site of the residential building, being destruction or damage that is caused by or results from:

(i)

fire or explosion;

(ii)

lightning or thunderbolt;

(iii)

earthquake;

(iv)

theft, burglary or housebreaking or an attempt to commit theft, burglary or housebreaking;

(v)

a deliberate or intentional act;

(vi)

bursting, leaking, discharging or overflowing of fixed apparatus, fixed tanks or fixed pipes used to hold or carry liquid of any kind;

(vii)

riot or civil commotion;

(viii)

an action of a person acting maliciously;

(ix)

impact by or arising out of the use of a vehicle (including an aircraft or water-borne craft);

(x)

impact by:

(A)

space debris or debris from an aircraft, a rocket or a satellite;

(B)

an animal (other than an animal kept on the site or a domestic animal);

(C)

a falling tree or part of a tree; or

(D)

a television or radio aerial that has broken or collapsed; or

(xi)

storm, tempest, flood, the action of the sea, high water, tsunami, erosion or land slide or subsidence;

(b)

accidental damage that is breakage of glass forming part of an item of furniture (including fixed or unfixed glass table tops), at a time when it is in the residential building or on the site of the residential building;

(c)

loss by theft, burglary or housebreaking of contents while in the residential building on the site;

(d)

where:

(i)

the insured is a tenant or lessee of the residential building; or

(ii)

the residential building is a unit (however described) created by the subdivision of strata (however described) in a building and the insured is the owner of the unit;

the insured or a member of the insured's family ordinarily residing with the insured incurring a liability as occupier of the home building to pay compensation or damages to some other person.