All insurance operators and policies are different. Read our most commonly asked questions and answers specific to our Landlord Select policy to help provide further clarity. Can I get Landlord Select insurance if I manage my own property? Yes, if you self-manage your property and meet the following criteria: Have a written lease document in place. Maintain records of all rental payments. Inspect the condition of my property every six (6) months at a minimum and document each assessment including photographs. What does Landlords Insurance cover? Landlord Select is a Full Accidental Damage Policy Wording, providing Rent Default rental payments cover for up to 18 weeks with a Nil excess. Cover for Malicious Damage by Tenants and Standard Contents cover of $60,000 is included. You also have the option to include building insurance in the one policy. Details are listed on page 6 - 7 and outlined in the Landlord Select Product Disclosure Statement on our website: landlordselect.com.au/product-disclosure-statement If I have a Property Manager can they get Landlord Select Insurance on my behalf? Yes, if they are an Aviso Qsure Managing Agent and have your approval in writing or have received your completed and signed application form. Your Property Manager can visit landlordselect.com.au/property-agents to register or call us on 1300 667 507. They can source quotes, apply and process any claims on our online Landlord Select Managing Agent Portal. What happens if I sell the property or move in myself? If you sell the property or move in yourself, you will be given a pro-rata refund on the unused premium (excluding the policy fee). If written advice is received by 12 midday the payment will be processed on that day and if received after 12 midday, it will be processed on the following day. We know how important household finances, so we action as quickly as possible to make sure refunds are processed and back in your pocket as soon as possible! Does it take long to get a quote? No, we like to make the process as simple and quick as possible. Request a quote online or call us on 1300 667 507 Does the policy include cover for natural disasters such as floods? Yes, flood cover is available. You must opt in to include flood cover in your policy. Cover includes water damage from burst pipes, fire, storm and lightening (this is not flood damage). Do I have to have a signed lease? Yes, your tenants must have signed a lease for a minimum of three (3) months at the beginning of their tenancy. What if my tenant is on a periodical lease? We will accept agreements on a periodic lease however we do warn that loss of rent cover is restricted and will only be payable from the date the tenant has defaulted on their payments until the day they vacate the property plus the number of days they are required to give as notice depending on the Residential Tenancy Act of each state. Do I have to pay an excess when I make claim? Yes, all claims excluding loss of rent and tenant default claims have a $250 excess. For rent-related claims, the bond or any unused portion of the bond will be applied first. If needed, a claim will follow. What if I have multiple claims? If there are multiple claims for the same incident the excess is limited to $250 How is the bond applied? We structure your claim so that the non-claimable costs are deducted from the bond to ensure you receive the full policy value. We work with you or your Property Manager to obtain the documentation to support the claim. What is a Product Disclosure Statement (PDS)? The PDS provides important information to help you make an informed decision about your insurance. It includes your policy detailing the cover we provide and outlines inclusions, exclusions or limitations. Visit our website landlordselect.com.au/product-disclosure-statement or call us on 1300 667 507 for a copy. Refer to our PDS for more terminology or Words with Special Meanings. Who are the insurers? Landlord Select Insurance is underwritten and issued by Acerta, a division of Guild Insurance Limited ABN 55 004 538 863, AFS Licence No 233791, one of Australia’s most respected insurers.