Document ID: chunk:federal_register_of_legislation:F2021C00206:reg:22:p1
Version: federal_register_of_legislation:F2021C00206
Segment Type: reg
Provision Reference: reg 22 (pt 1/3)
Character Range: 34015–36635

22  Prescribed events
 (1) The following, except in so far as they are excluded by subsection (2), are declared to be prescribed events in relation to a contract referred to in subsection 21(1):
 (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; or
 (ii) lightning or thunderbolt; or
 (iii) earthquake; or
 (iv) theft, burglary or housebreaking or an attempt to commit theft, burglary or housebreaking; or
 (v) a deliberate or intentional act; or
 (vi) bursting, leaking, discharging or overflowing of fixed apparatus, fixed tanks or fixed pipes used to hold or carry liquid of any kind; or
 (vii) riot or civil commotion; or
 (viii) an action of a person acting maliciously; or
 (ix) impact by or arising out of the use of a vehicle (including an aircraft or water‑borne craft); or
 (x) impact by space debris or debris from an aircraft, a rocket or a satellite; or
 (xi) impact by an animal (other than an animal kept on the site or a domestic animal); or
 (xii) impact by a falling tree or part of a tree; or
 (xiii) impact by a television or radio aerial that has broken or collapsed; or
 (xiv) storm, tempest, flood (within the meaning given by section 34), 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) if:
 (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 residing family member of the insured incurring a liability as occupier of the home building to pay compensation or damages to some other person.
 (2) The following are excluded:
 (a) depreciation;
 (b) wear and tear, rust or corrosion;
 (c) the action of insects or vermin;
 (d) destruction or damage, or the incurring of a liability as mentioned in paragraph (1)(d), as a result of:
 (i) the expropriation of the contents; or
 (ii) war or warlike activities; or
 (iii) the use, existence or escape of nuclear weapons