Description of cover
Extent of cover
Period of cover

Description of cover    

• loss or damage to buildings and contents, and any consequential additional expenditure required to maintain service levels (“property and business interruption”), including:

• any built structure or improvement to land, for example landscaping or gardens; and
• building fit-out, stock or mobile plant,

• the fraudulent misappropriation of goods or monies by officials or employees (subject to a police investigation) (“fraud/fidelity”);

• damage to machinery (eg lifts, boilers, medical diagnostic equipment, computers and servers), and any consequential loss of records, resulting from a mechanical or electronic breakdown (“machinery breakdown”);

• loss of or damage to a marine vessel and its equipment (including its trailer if that trailer is declared for the purpose of the Fund) (“marine hull”). If the vessel is normally carried on a trailer, cover includes periods when the vessel is being towed or garaged. “Marine hull” cover is purchased from the private sector and coverage includes third party property damage and personal injury for which the agency is liable. Please note that only those vessels that are specifically declared to the private insurer are insured. If a vessel is not declared it is not insured. The Marine Hull - New Vessel Notification Form should be used to notify the Fund Administration Agent of any new vessels being purchased by your agency (or which are being leased or borrowed by your agency and for which you require insurance);

• loss of, or damage to, a government vehicle and any associated third party property damage for which the agency is legally responsible (“motor vehicle”). Third party personal injury costs are insured through the Motor Accidents Insurance Board (MAIB). Government employees may also be indemnified against third party property claims incurred whilst using a government vehicle, if determined by the Inter-Agency Committee on Actions Against Public Servants.

“Government vehicle” includes:

• vehicles leased through sgfleet; and
• any other motor vehicle (eg light commercial motor vehicles, motor bikes, trailers etc) owned and operated by an agency;
• worldwide cover for loss or damage to goods in transit (including items borrowed or loaned), including loading, unloading, and incidental storage (“transit”).

• normal wear and tear, including rust or corrosion;

• motor vehicle breakdowns, either mechanical or electronic;

• damage to or loss of employee or volunteer property (other than employee household goods in transit), including loss or damage to private motor vehicles or vessels - if employees or volunteers are required to use private motor vehicles or vessels as part of their employment or assistance to government, agencies should advise them that it is their responsibility to have the vehicle / vessel comprehensively insured (see Ministerial Direction No. 1.1 2002 – Administration); or

• work done under a capital works contract. Building contractors are required to utilise special policies organised by the Department of Treasury and Finance and the Department of Infrastructure, Energy and Resources with Marsh Pty Ltd. Building consultants wishing to do work for government agencies are required to maintain their own public liability and professional indemnity insurance in accordance with the requirements of the Government’s Consultant Prequalification Schemes.

Extent of cover    

General

• any temporary repairs required to render premises safe or prevent further damage; and

• any claim investigation and/or legal fees (provided that the claim investigation fees are considered reasonable by the Fund Administration Agent and the legal services have been provided or sanctioned by the Office of the DPP).

• the cost to repair a vehicle – provided that the repair cost does not exceed the market value of the vehicle;

• if the cost to repair a vehicle is more than its market value, the Fund will pay its market value in settlement (unless the vehicle is less than 12 months old, in which case the Fund will pay the full replacement value);

• third party property damage for which the agency is legally liable;

• reasonable costs incurred in removing the vehicle to an approved repairer or a place of safety;

• costs incurred to clean up or remove debris resulting from goods falling or leaking from an agency vehicle;

• most fixed vehicle accessories supplied at the time of purchase, with consideration being given to the replacement of subsequently fitted, fixed accessories/modifications required for operational purposes. Non-fixed property and equipment would be a separate property claim; and

• any claim investigation and/or legal fees (provided that the claim investigation fees are considered reasonable by the Fund Administration Agent and the legal services have been provided or sanctioned by the Office of the DPP).

Period of cover