Friday, Oct 24, 2014 at 13:57
Relevant extracts from our policy with Elders Insurance. We have 100 days. It appears that one night occupancy is enough to restart to counter.
Definition:
‘Occupied’
Your
home is furnished such that it is comfortably habitable and you, your family or someone with your consent has resided in your
home overnight.
To be occupied the
home must:
a. contain at least one usable bed/mattress;
b. contain at least one dining table or bench, a chair and some other furniture;
c. contain a functioning refrigerator;
d. be connected to the electricity supply; and
e. be connected to hot and cold running water.
Unoccupancy
If your
home is unoccupied for more than 100 consecutive days, you must tell us and obtain our written agreement for cover to continue. If you do not do so, the cover for
home and contents is limited to lightning, thunderbolt, riot and civil commotion, damage directly caused by impact by a motor vehicle, waterborne craft, space
debris, aircraft, rocket, satellite, a branch, or tsunami and earthquake for the period in excess of 100 consecutive days during which your
home has been left unoccupied. However, we do not insure you against any subsequent resultant damage such as rainwater entering any opening made by impact or looting subsequent to a riot.
The period of 100 consecutive days is calculated from the date when your
home was last occupied regardless of the commencement or renewal date of your Policy.
Changes
You must tell us as soon as possible if -
Your
home or your
farm is left vacant or unoccupied for a period exceeding 100 days
FollowupID:
826690