Answer 'Yes' if your home is:

• under construction, reconstruction or renovation.
• in poor condition or poorly maintained.
• currently unoccupied or expected to be unoccupied for more than 90 continuous days during the period of cover.
• under any heritage listing/national trust listing or order.
• used as a hostel, bed and breakfast or guesthouse.
• used for community housing or public housing.
• used for student accommodation or as a boarding house.
• used primarily to conduct business?
• on land greater than 20,000 Square Meters.

Answer 'Yes' if the policy holder:

• has been declined insurance or had a policy cancelled by the insurer in the last 3 years.
• has had a criminal conviction in the last 10 years (with the exception of traffic offences).
• has ever filed for bankrupcy