Document ID: chunk:federal_register_of_legislation:F2019L00902:body:0:p14
Version: federal_register_of_legislation:F2019L00902
Segment Type: other
Provision Reference: 
Character Range: 29614–32380

release of germs, disease or other contagion or contaminants following the Act of terrorism; or
       * a loss resulting from a Nuclear incident.

'certificate' means your most recent Certificate of Insurance or Building Renewal Notice.

We give you a Certificate of Insurance when:
       * you first buy your policy,
       * we update information on the certificate, or
       * upon request when you renew your policy.

We give you a Building Renewal Notice at each renewal of the policy.

'employee' means any person who has a contract of service with you or your family.

'event' or 'events' means events we insure you for and that we list in Part 1 of this policy.

'excess' means the amount you must pay towards a claim. We deduct the amount of your excess from a claim before we pay it.

'family' means any of these people who normally live with you at the home:
       * spouse, de facto spouse, partner
       * parents, grandparents, parents-in-law
       * children, grandchildren, sons or daughters-in-law
       * brothers, sisters.

'flood' means 'the covering of normally dry land by water that has escaped or been released from the normal confines of any of the following:
       * a lake (whether or not it has been altered or modified)
       * a river (whether or not it has been altered or modified)
       * a creek (whether or not it has been altered or modified)
       * another natural watercourse (whether or not it has been altered or modified)
       * a reservoir
       * a canal
       * a dam.

'home' means:
       * all residential buildings on the site (including any part of the building used for residential tenancy, or any part you use for surgery or office purposes, but excluding any part used for business, manufacturing or trade purposes), and
       * any of these items that are fixed to or form part of those residential buildings:
-domestic appliances including their motors
  -glass, mirrors, baths, wash basins, sinks, glass cooking tops, toilets, toilet cisterns
-floor coverings (but excluding carpets), and
       * any of these items that are fixed to the site:
-in-ground, or above-ground, swimming pools and spas,
-domestic improvements of a structural nature
  (for example garages, carports, garden sheds, underground services, walls, gates and fences), and
       * building materials up to a value of $1,000 that are being kept at the site to use on the home, and that are owned by you.

'market value' means the value of the home and site immediately before the home was destroyed minus the value of the home and site immediately after that event.

'period of insurance' means the period we insure you for in this policy. The dates next to 'Period:' on the certificate show how long the period