Document ID: chunk:federal_register_of_legislation:F2019L00902:body:0:p9
Version: federal_register_of_legislation:F2019L00902
Segment Type: other
Provision Reference: 
Character Range: 18017–20607

we agree to pay for any other type of accidental loss or damage to the home.

PART 3 FUSION OF ELECTRICAL MOTORS

This policy insures domestic electrical motors that form part of the home (for example, a built-in air conditioner, or the fan motor of a built-in heater). In addition to insuring you for loss or damage to electrical motors that is caused by an event, we also insure you for loss or damage to electrical motors caused by fusion. We automatically provide you with this insurance when you buy this policy. It is included in your sum insured for Part 1: Home Building.

What we insure you for
We insure you for loss or damage to any domestic electrical motor that forms part of the home.

We only insure you if the loss or damage to the domestic electrical motor:
       * is directly caused by an electrical current,
       * happens during the period of insurance, and
       * is not excluded by the specific exclusions listed below in the 'What we do not insure you for' section, any of the General exclusions in Part 7, or any exclusions listed on your certificate.

What we do not insure you for
We do not insure you for:
       * the cost of hiring a replacement motor
       * the cost of replacing worn or broken bearings or switches
       * lighting elements (for example light bulbs or fluorescent tubes) or heating elements, solenoids, fuses or protective devices (for example a fuse, or circuit breaker)
       * electrical contact points where sparking or electrical arcing occurs during their ordinary use, and
       * the cost of removing or replacing motors forming part of a submersible pump.

What we pay
If we agree you have a claim, we may choose to pay the reasonable cost of either repairing or replacing the domestic electrical motor.

Please note: we will only pay your costs in getting quotes or inspection reports if we agree to do so before you get them.

Limits on what we pay
The most we will pay for loss or damage to a domestic electrical motor is the reasonable cost of replacing it, as described in the 'What we pay' section.

PART 4 OWNER'S OR OCCUPIER'S LEGAL LIABILITY
We automatically provide you with this insurance when you buy this policy.

What we insure you for
We insure you for the costs of your or your family's legal liability as owner or occupier of the home. By 'legal liability' we mean your or your family's legal responsibility to pay compensation for causing:
       * bodily injury or death to someone other than you or your family, or
       * loss or damage to property owned or controlled by someone other than