First to Pay after a severe tropical cyclone

Imminent Event Exclusion

To manage the risk of people taking out or increasing their insurance when a Severe Tropical Cyclone is predicted, We may choose not to accept applications during this time, and when an application is accepted the Imminent Event Exclusion applies.

If You make a claim which is directly or indirectly caused by, arising from or contributed to by, or connected with:

  • a Severe Tropical Cyclone or Very Destructive Winds or Buffer Zone Winds resulting from it; or
  • a Severe Tropical Cyclone which results from a Tropical Cyclone or developing tropical low ,

that occurred before:

  • the issue of Your Policy by Us for the first time (this does not apply for renewals), it will not be paid or covered under the Policy;
  • an agreed increase in the Sum Insured by way of a renewal or variation, the Sum Insured prior to the increase will apply to the claim.

By way of limited examples only:

  • if You buy a Policy for the first time and a Severe Tropical Cyclone was forecast at the time the Policy is issued, You have no cover if that Severe Tropical Cyclone occurs at the Insured Situation 5 days later.
  • if You buy a Policy and a Severe Tropical Cyclone has developed from a BoM category 1 Tropical Cyclone that formed before You bought the Policy, You will not be covered.
  • If You increase Your Sum Insured on renewal and a Severe Tropical Cyclone has developed from a BoM category 1 Tropical Cyclone that formed before You increased Your Sum Insured, only the prior Sum Insured will be payable for the claim.