交割前给unit买保险，有什么公司推荐，加分请教

yolanda0410

距离交割还有不到2月，想给unit买保险.

1. 里面没人住，有一些电器
2. Under strata
3. 我想连wall paint和后院的render一起保，strata 明确说不保后院的render

有什么公司可以选择吗？

nikita2006 · 发表于 2021-12-7 08:14:00

由Strata负责买保险？自己只买content?

wzyqsh123 · 发表于 2021-12-7 08:20:53

strata说不负责render, 但保险公司又不给我保render

crina · 发表于 2021-12-7 08:26:08

再Strata scheme下买的contents insurance，很多会延申到fixture and fitting 部分，
如NRMA 的contents insurance

https://www.nrma.com.au/sites/nr ... 721_nsw_act_tas.pdf

Fixtures for owners and landlords – strata scheme
Buildings Insurance Contents Insurance
Home Home Plus
If your home is under a strata or similar scheme and a listed event causes loss or
damage to the fixtures shown here.
Covered under Contents Insurance
• the following fixtures:
– built-in furniture and cupboards
– stoves
– hot water services
– shower screens
– paint and wallpaper
– built-in air-conditioner
– fixed awnings
– solar panels
– carpets
– floating floorboards.
Any amount payable for this benefit is included in your Contents sum insured.
Not covered
• items that are:
– covered by an insurance policy taken out by an owners’ corporation or similar
body, or
– part of common property
• loss or damage caused intentionally by:
– you or someone who lives in your home – for example, your tenants, or
– someone who enters your home or site with your consent, or the consent of
someone who lives there

dundunpp · 发表于 2021-12-7 08:39:46

但是楼主的case 重点不在这里，重点在无人居住这点

一般的财险公司很少保无人居住的物业的，尤其是正准备出售的物业，unoccupied的 property 一般要走商业保险，但是会很贵

所以如果lz即使买了保险，很可能不被cover的

lqlq13931364801 · 发表于 2021-12-7 08:54:37

We don’t cover loss, damage, injury or death arising from:
• faulty design or workmanship
• previous damage that has not been repaired
• you leaving your home unoccupied for
60
consecutive days or more and not
maintaining it in a lived-in state by:
– keeping the lawns mowed and garden tidy
– stopping regular mail and newspaper deliveries, and
– organising someone to check inside and outside your home at least once
a week
• you not maintaining your home in good repair and condition – this means that
your home must be watertight, structurally sound, secure and well maintained
• you not maintaining your site in good repair and condition
• you illegally keeping explosives, flammable or combustible substances or
liquids in your home or at your site
• you not taking reasonable care to protect your home and contents against loss
or damage.

P66
https://www.nrma.com.au/sites/nr ... 721_nsw_act_tas.pdf

rockyueming · 发表于 2021-12-7 08:58:06

所以，如果楼主以前没有买contents insurance ，现在买可能来不及了···

lqlq13931364801 · 发表于 2021-12-7 09:04:47

他们问我的其中一个问题是： 60天内有没有打算occupy.

我最开始回答的是no, 然后allianz/budget direct都不给保

我现在想是不是我该回答no,如果卖不出去，我就再继续租出去. 这样是不是就给保了

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