Document ID: chunk:federal_register_of_legislation:F2021C00206:reg:4:p1
Version: federal_register_of_legislation:F2021C00206
Segment Type: reg
Provision Reference: reg 4 (pt 1/3)
Character Range: 4957–7649

4  Definitions
 (1) In this instrument:
accidental damage, in relation to a thing, means damage that occurs to the thing fortuitously in relation to the insured.
accidental injury means an injury that occurs fortuitously to the insured person but does not include an injury that is caused by or results from a sickness or disease.
contents, in relation to a residential building, means:
 (a) furniture, furnishings and carpets (whether fixed or unfixed); or
 (b) household goods; or
 (c) clothing and other personal effects; or
 (d) any of the following:
 (i) a picture;
 (ii) a work of art;
 (iii) a fur;
 (iv) a piece of jewellery;
 (v) a gold or silver article;
 (vi) a document of any kind;
 (vii) a collection of any kind;
  the value of all of which at the time when the relevant contract of insurance is entered into does not exceed $500; or
 (e) swimming pools that are not fixtures, that are owned by the insured or by a residing family member of the insured, but does not include an article or thing to which the expression residential building extends.
expropriation, in relation to property, means the lawful seizure, confiscation, nationalisation or requisition of the property.
home building, in relation to a site, means:
 (a) a building used principally and primarily as a place of residence; or
 (b) out‑buildings, fixtures and structural improvements used for domestic purposes, being purposes related to the use of the building mentioned in paragraph (a);
on the site and, without limiting the generality of the expression, includes the following:
 (c) fixed wall coverings, fixed ceiling coverings and fixed floor coverings (other than carpets);
 (d) services (whether underground or not) that are the property of the insured or that the insured is liable to repair or replace or pay the cost of repairing and replacing;
 (e) fences and gates wholly or partly on the site;
but does not include:
 (f) a hotel; or
 (g) a motel; or
 (h) a boarding house; or
 (i) a building that is in the course of construction; or
 (j) a temporary building or structure or a demountable or moveable structure; or
 (k) a caravan (whether fixed to the site or not); or
 (l) a building that is let or rented by the insured, as lessor, as a business and is not the principal residence of the insured.
home buildings insurance contract means a contract referred to in section 18.
home contents insurance contract means a contract referred to in subsection 21(1).
insured person, in relation to a contract of insurance, means a person specified in the contract as a person in respect of whose death, sickness, disease, injury or unemployment insurance cover is provided under the contract.
member