Starr Safeguard FAQs
What does the policy cover me for?
1. Electrical Emergencies
2. Plumbing Emergencies
3. Lock Out Emergencies
4. Repair or replacement of major appliances
5. Impact Damage
6. Minor Roof Damage
Please read the Financial Services Guide (FSG) and Product Disclosure Statement (PDS) to familiarise yourself with the exact terms and conditions that apply.
What is 'impact damage'?
Impact damage relates to damage to your property caused by the impact of a falling tree, plane, other aerial debris or motor vehicles.
What appliances can I cover?
Under this policy you can cover the following appliances:
1. Oven / Stove
2. Dishwasher
3. Hot Water System
4. Refrigerator
5. Freezer
6. Washing Machine
7. Clothes Dryer
8. Air Conditioner
Can I cover existing Appliances?
Yes, you can cover existing appliances as long as they are not older than 8 years, in good working order and have no known faults.
Does it cover Hot Water Systems? Electric & Gas?
Yes, we cover both Electric & Gas Hot Water Systems as well as their plumbing.
Can I choose the cover by appliance?
We have designed a base package to cover the essentials; on top of that you can choose from several add-ons to get the preferred level of cover for your property.
What happens if an appliance gets too old to be covered by Starr Safeguard?
The particular appliance will not be covered anymore; however, if you purchase or already have another appliance of the same kind this appliance can be included in the policy. Contact our customer service team on 02 8824 3133 to provide details of the new appliance.
Does it matter how old the appliances are?
The specified appliances can be up to 8 years old and covered under this policy.
Does the brand of the appliance matter?
No, we are happy to cover any brand of appliance so long as it is in good working order and has no known faults.
What if I have more than one of an appliance; i.e. Air Conditioner, freezers?
You can call our Customer Service Centre on (02) 8824 3133 and we can modify the coverage for you.
Does your Starr Safeguard policy cover accidental damage of an appliance?
No, the policy covers the breakdown of an appliance. Accidental damage of appliances might be covered under your Home & Contents insurance.
What if one or more of my appliances is still under warranty?
If your appliance is still under manufactures or extended warranty you can claim on incidences that are not covered under the warranty and for anything else cover under this policy, for all issues covered by the appliance's warranty no claim can be made until the warranty expires.
Does the policy cover maintenance repairs to appliances or the electrical and plumbing systems?
This insurance policy is designed to cover you for unexpected breakdowns and emergency repairs, regular or scheduled maintenance is not covered.
Does Starr Safeguard cover outside plumbing systems?
We cover all plumbing issues that are located within your home.
What is classified as an emergency?
Emergencies in the context of this insurance policy are sudden and unforeseen damage to the Household Plumbing or Electrical System which immediately:
a.) exposes you to a risk to your health or safety; or
b.) creates a risk of loss of or damage to the property; or
c.) makes the buildings uninhabitable
What is the premium cost?
$499 (including GST and stamp duty)
How do I apply?
You can apply online (www.starrpartners.com.au/starrsafeguard), over the phone (02 8824 3133) or by faxing (02 8399 0226) an application form. Payments for this policy are to be made annually in advance.
What types of policies and payment options are available?
This policy is a 12 months cover to be paid in advance.
Are there any claims limits?
Yes, the insurer's maximum limit of liability for any one claim shall be up to $1000.00 (inclusive of GST) up to a total of $5.000 per annum. For Impact and Roof Damage a claim limit of $350 applies, limited to one claim per annum.
How soon can I make a valid claim?
Provided that you are eligible for this insurance and your policy has been paid in full, you can make a claim anytime after the 21 day no claim period has expired.
Is there an Excess?
Yes, an excess of $75.00 applies to each claim you make.
How do I renew my policy?
We will contact you with a renewal letter before the expiry of your current policy. Simply follow the steps outlined on the letter to renew the policy.
Should you haven't received this renewal letter seven days before the expiry of you r policy please contact us on 02 8824 3133 to ensure continuous cover.
Can I cancel and get a full refund?
Provided you inform us with twenty (20) days of inception of this policy we will refund your payment in full minus a cancellation fee of $25.
Should you cancel after 20 days the policy fee refunded to you will be prorated minus a $25 administration fee.
No refunds are given if you have made any claim during the policy period.
What do I have to do when an appliance breaks or I have a plumbing/electrical emergency?
When you need to make a claim simply call the number on your policy document. Please call us before you arrange any repair or replacement yourself.
Do you cover the cost if I organize a repairer or a replacement appliance myself?
No, we only cover the cost if you contact us before any repairs or replacements have been arranged. Remember, we organize the repairer for you.
How do I make a claim?
Should you need to make a claim simply call 1300 133 703 during normal business hours and our claims management team will assist you.
What can I do if I have a complaint?
Any enquiry or complaint relating to this insurance or services should in the first instance be referred to National Underwriting Agencies Pty Ltd (NUA) on 07 3309 9050. NUA's Complaints Manager who will handle your complaints or disputes about the insurance or services. Should the NUA Complaints Manager be unable to satisfactorily resolve your complaint or dispute they will advise you of the various external bodies available to assist you.
Who is The Insurer?
The insurer of this policy is certain underwriters at Lloyd's, London.
Since the late seventeenth century, the name Lloyd's has been synonymous with insurance. Many of the world's leading underwriters are based at Lloyd's and this market is internationally renowned and has an impeccable claims record.
Lloyd's is authorised under the Australian Insurance Act 1973 (Cth) to conduct insurance business in Australia. That Act establishes a system of financial regulation of general insurers in Australia.
Lloyd's Australia's contact details:
Lloyd's Australia Limited
Suite 2, Level 21 Angel Place
123 Pitt Street, Sydney 2000
www.lloyds.com
Disclaimer:
Please read the Product Disclosure Statement (PDS) for full terms and conditions of this policy. A copy of the PDS can be obtained at www.starrpartners.com.au/starrsafeguard or by calling Starr Partners on 02 8824 3133.