Frequently Asked Questions

We believe that protecting the stuff that's important to you should be easier, so we've built a company that does just that. Through data and technology, we've built insurance products based on people's lifestyles. The result is more tailored coverage, transparent pricing and an overall easier insurance experience.

In other words, miCover is insurance created for today and is flexible, because we understand individual circumstances change, so your insurance should too.

miCover Pty Ltd (ABN 19 635 062 547) is an Authorised Representative and wholly owned subsidiary of Eclipse Insurance Pty Ltd (ABN 90 629 644 846) the holder of Australian Financial Services License (516081).

miCover as an Authorised Representative of Eclipse Insurance Pty Ltd, is permitted to deal in and provide general advice on behalf of Berkley Insurance Company regarding certain general insurance products issued by Berkley Insurance Company including miCover Renters Insurance.

We value your privacy and expect it ourselves from others. We collect only the minimum information needed and legally required to be able to serve you beneficially. miCover will never share or sell your information for marketing purposes. For more information please see our Privacy Policy.

We hope that you never have a complaint, but if you do, we will do our best to work with you to resolve it. Please refer to our complaints handling process for further details.

Renter's insurance is contents insurance designed specifically for people who are renting a property. It is very similar, if not the same, as a contents insurance policy that would be taken out by a homeowner.

If you're covered, it will protect your belongings if they are lost or damaged due to certain events such as fire, storm or theft.

It can also help protect you (and your wallet) if you damage another person's property or if someone is ever injured on your property.

Our standard coverage includes cover for your property from a certain causes and personal liability for bodily injury and property damage.

miCover Renters Insurance includes cover for:

• Accidental Damage
• Fire, lightning, explosion and smoke
• Earthquake, Flood, Wind, Rain, Hail, Bushfire, Storm
• Water Damage
• Theft
• Vandalism and riots
• Impact from aircraft, vehicles and falling objects
• A few more esoteric things like Volcanoes

Any advice provided is general advice only and has not taken into consideration your individual objectives, financial situation or needs. Please always refer to the Product Disclosure Statement for the full policy terms and conditions and always read this document before making a decision to purchase.

There are two main types of renter's insurance policies in the market, accidental damage and defined events (also known as listed events or listed perils). The type of policy will be clearly outlined in the Product Disclosure Statement (PDS).

Defined Events policies are just that, an insurance policy that will only provide cover against certain events. These events will be listed in the policy such as Fire or Explosion, Lightning, Earthquake, Theft, Storm, etc.

In comparison, an Accidental Damage policy covers you for all the same events but also covers you for damage that is caused by an accident! So, if you are clumsy and drop, spill or break something, you're covered. Similarly, if you forget, leave or lose something, you're also covered.

Put simply, an Accidental Damage policy covers you for life's ‘oops' and ‘uh oh' moments!

miCover Renters Insurance is an Accidental Damage insurance policy.

Any advice provided is general advice only and has not taken into consideration your individual objectives, financial situation or needs. Please always refer to the Product Disclosure Statement for the full policy terms and conditions and always read this document before making a decision to purchase.

Yes. miCover Renters Insurance covers your stuff anywhere in Australia or overseas for up to thirty (30) days, including whilst in transit. So, rest assured whether you're in or outside your home, we've got your back!

Yes, miCover Renters Insurance covers you for flood, except for loss that occurs within the first 72 hours of the start of your policy, unless you transferred an insurance policy for your stuff, with equivalent cover from another insurance company without interruption.

Yes, miCover Renters Insurance covers you for bushfire, except for loss that occurs within the first 72 hours of the start of your policy, unless you transferred an insurance policy for your stuff, with equivalent cover from another insurance company without interruption.

We understand that insurance is personal, just like your coffee. All our policies include basic coverage that can be tailored to protect the things that matter most to you. Simply slide, select and get sorted! It's that easy!

Life can change often and so can your cover. You can change your cover as many times as you like, however, please note that some changes you make may result in a change to your premium. Each time a change is made, we'll send you a new Certificate of Insurance.

Yes. miCover Renters Insurance covers you whether you rent a room in a share-house, student accommodation or live on campus (halls of residence, etc.).

No. miCover Renters Insurance covers only you and the property that you legally own. Your roommate(s) will need to organise their own insurance for their stuff.

If you're living with your spouse or significant other, you can add their name to your policy at no additional cost. Remember to ensure you add them, so they're covered and that the cover you purchase is enough for the both of you.

Congrats on the new place! Once you move into your new place, login online and update your address. We'll issue you with a new Certificate of Insurance and if required, we'll adjust your monthly premium automatically.

Premiums are as individual as your cover and are calculated individually based on several different factors including the amount of cover, the type of stuff you insure, any optional covers you select and where you live.

A good rule of thumb is to walk around your place and make a list of all your possessions to see how much it would cost to replace everything. You might want to organise items into categories such as electronics, clothing, jewellery, furniture and entertainment. Also take note of any items outside of your home, like a bicycle or other sporting equipment.

Add all the items up to determine how much coverage you'll need.

It's also important to review the amount of cover you need annually, and you should also consider adding any new items that you may acquire during the year.

You can cancel your policy at any time through our website. If you pay your premium by the month, we will not provide a refund. If you paid an annual premium, you'll receive a pro-rata refund (less the amount covering the period you were insured for and any government or statutory charges we are unable to recover).

Lodging a claim is easy! Simply log into your online account and submit details of your claim together with any supporting documentation. Please also read the guide and review the process if you are not sure. Alternatively, you can e-mail us at claims@getmicover.com or contact us via the chatbot from the screen.

Here are some of the things you need to have ready when submitting a claim.

• Your policy number.
• A description of what happened, when and where.
• The type of property that was damaged or stolen, this includes make, model and serial number.
• Where the items were purchased.
• Date of the loss
• Location it occurred (this maybe outside of your home)
• Police Incident/Report number (if required).

miCover manage claims from start to finish, our experienced claims team will guide you through the process and keep your claim moving. We have automated simple processes and repeatable tasks, freeing up their team to focus on you, the customer and enabling them to settle claims quickly. We will also track your claim from start to finish and be there to help if a need arises.

In order to prove your ownership of property you have claimed to be stolen or damaged, we may ask you to provide purchase receipts; owner's manuals or product packaging; appraisals; and/or photographs of the item(s).

Yes. If your loss was as a result of theft, attempted theft, malicious acts, civil unrest or impact by a vehicle, you will need to notify the police and obtain an incident/report number.

Our goal is for most of the simple property claims to be settled in less than 10 days. There will be cases where property damage claims or liability claims may take longer to settle due to their complexity or because we require additional information from you. If this is the case, we will get in touch with you.

This is the amount that will be deducted from any claim payment you may receive.

When you buy a policy, you can choose the deductible amount you'd like to have (either $250 or $500). So, why a higher deductible? Well, the higher the deductible, the lower your monthly payments will be.

Here's an example: You chose a deductible of $250 when you bought your policy. A few months later, someone stole your $1,000 laptop. The payment you'll receive for your claim will be $750: $1,000 minus the deductible, which in this case was $250.

means an event that you did not plan, intend, or expect to happen.

means an event that you did not plan, intend, or expect to happen that results in an identifiable physical injury sustained by you. Injury as a result of your unavoidable exposure to the elements shall be deemed to be an injury.

includes but is not limited to hang gliders, aircraft landing areas and remote piloted aircraft (Drones / RPAs) as defined by Civil Aviation Safety Regulations (CASR) 1998 and associated legislation, as amended from time to time.

means the total amount we will pay for all Occurrences which happen during each Period of Insurance regardless of the total number of Occurrences.

means buildings including permanently attached fixtures, fittings, structural improvements, and earthworks.

is the relevant certificate we send you that contains your insurance policy details and any variations to the standard terms and conditions of the policy. It forms part of your contract with us and should be read with your other policy documents.

means items like artwork, fine arts, sports memorabilia, trading cards, toys, heirlooms, antiques, stamps, records or other types of musical playback and media and books and their related accessories.

means any pair, set or other group of objects (of common type, appearance or nature) that belong together or are displayed together.

means items like cameras, lenses, film or recording media, tri-pods and carrying cases, 3D printers, laser cutters or engravers, projection equipment such as movie, overhead, slide or multi-media projectors, portable sound equipment related to the recording, projection, reproduction or operation of motion or still pictures, musical instruments and their carrying cases, DJ equipment, arts and crafts supplies, drawing supplies, frames and other materials/suppliers and hand or power tools and their related equipment or accessories.

means the amount you are first required to pay or bear when you make a claim under your Policy. Your Policy Deductible(s) are detailed in your PDS and are also shown on your Certificate of Insurance.

means the dwelling and separate structures where you reside or that part of any other Building where you reside.

In Section II – Liability, Digs includes the grounds on which the dwelling and separate structures are located.

means a recognised educational establishment of further or higher learning within Australia.

A written alteration to the terms, conditions and/or limitations of your Policy which is shown in your Certificate of Insurance.

means a single occurrence which you did not intend or expect to happen that results in loss or damage.

means items like handbags or purses, shoes, clothes, sunglasses, makeup, rings, earrings, necklaces, bracelets and other articles for personal adornment composed of silver, gold, platinum or other precious metals or alloys, whether or not containing pearls, jewels or precious or semi-precious stones and their related accessories.

means the covering of normally dry land by water that has escaped or been released from the normal confines of any lake, river, creek or other natural watercourse (whether or not these have been altered or modified), reservoir, canal or dam.

means items like beds, chairs and tables, sofas and couches, desks, cookware and dinnerware, kitchen and laundry appliances, lines and bedding, wall hangings and pictures and other furniture and their related accessories.

means any person visiting or staying at your Digs for no more than thirty (30) days, provided you are not receiving any form of monetary reward related to their stay.

means parents, grandparents, spouses, de-facto partners, siblings, and dependent children.

means bodily injury, death, illness, disease, disability, shock, fright, mental anguish, and mental injury including loss of consortium or services resulting from that injury.

means the maximum amount of money We will pay if something bad happens to you, your stuff, or your property.

means the amount for which an item could reasonably be expected to be replaced immediately prior to the time of loss or damage with a substantially identical item.

means any medical or psychological disease, sickness, condition, illness or injury that has affected you.

means

1. any self-propelled vehicle or machine, designed for movement on land or in water;
2. parts, furnishings, or accessories attached to or located in any vehicle or machine described above; and
3. any trailer or semi-trailer which is being carried on, towed by, or hitched for towing by a vehicle or machine described above
4. go carts, motorised or battery driven scooters, minibikes (except wheelchairs, golf buggies and lawn mowers).

means an event including continuous or repeated exposure to substantially the same general conditions which results in Injury to any person, Property Damage where such Injury and Property Damage is neither expected nor intended from the standpoint of you.

A Part 9 Debt Agreement, commonly referred to as debt agreement, is a legally binding agreement between you and your creditors arranged by a third-party. Debt agreements involve you paying a percentage of your combined debt to your creditors through this third party, known as your debt administrator. Debt agreements usually last for between three to five years.

A Part 10 Debt Agreement, usually referred to as a personal insolvency agreement (PIA), is a legally binding agreement between you and your creditors, administered by a trustee. The trustee takes control of your property and makes an offer to your creditors. This offer may be to pay all or part of your debt by instalments or a lump sum. The length of this agreement type differs depending on the individual arrangement, but it usually ends once the final payment is made.

means the period of your Policy with us, which starts at the date and time we tell you the policy is entered into and continuing, unless ending sooner in accordance with your Policy terms and conditions or relevant law, until the expiry date and time as shown in your Certificate of Insurance.

If your Policy is cancelled, the Period of Insurance terminates when the cancellation becomes effective.

Includes this PDS and policy wording, the Certificate of Insurance, and any other change to your Policy otherwise advised by us in writing (such as an Endorsement or supplementary PDS) which may vary or modify the above documents.

means any past or current Medical Condition that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow up/check-up has been required during the 12 months prior to the Period of Insurance.

means physical damage to or physical loss of or destruction of tangible property including loss of use at any time resulting therefrom.

means the slow escape of a liquid through porous material.

means items like non-motorised bicycles, exercise equipment, yoga mats, indoor and outdoor sporting equipment, camping equipment, golf equipment and their related equipment and accessories.

means a violent atmospheric disturbance producing strong winds. It can be accompanied by rain, lightning, hail, or snow. Storm does not mean persistent bad weather, heavy or persistent rain by itself or heavy or persistent wind by itself.

means any person registered in a course on a full-time basis within Australia, as defined by the Educational Institution, and for which completion is essential to achieve a formal qualification.

means the type of tangible property shown in your Certificate of Insurance that is usually kept in your Digs that you own or are legally responsible for.

means items like computers, laptops, tablets or networking equipment for the dwelling, phones, personal digital assistants with or without cell phone capability, wearable technology such as fitness trackers, smart watches, virtual reality equipment and smart jewellery, electronic readers, gaming systems and TVs, digital media players, stereo systems or home theatre equipment, drones and their related equipment and accessories.

means any act which may or may not involve the use of, or threat of, force or violence where the purpose of the act is to further a political, religious, ideological aim or to intimidate or influence a government (whether lawfully constituted or not) or any section of the public.

means a vehicle which is parked and without any occupants.

means not fit to live in.

means neither you, nor any other person (with your consent), is living and sleeping in your Digs, and/or it is not furnished for normal living purposes.

means any vessel, craft or thing made or intended to float on or travel on or through water other than sailboards, canoes, kayaks, non-motorised surf skis and paddle boards other watercraft less than 5 metres in length.

means miCover, which is a business name of Eclipse Insurance Pty Ltd ABN 90 629 644 846 AFSL 516081 as agent for Berkley Insurance Company.

means the policy holder or policy holders named on the Certificate of Insurance.