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WI-HC 04/26 - Effective from
- 1 April 2026
- PDS length
- 84 pages
- What it covers
- Buildings, contents, or both. Covers storm, hail, flood, fire and bushfire, named cyclone, impact, escape of liquid, theft and malicious damage. Excludes wear and tear, gradual ground movement, actions of the sea and unoccupancy beyond 90 days.
- Who it is for
- Written for owner occupiers and owners of a home they intend to live in, who want to insure the structure, its contents, or both, and who accept the excess shown on their certificate. Not designed for short-stay letting, for properties used mainly for business, or for buildings insured by a body corporate.
Motor
WI-MV 02/26 - Effective from
- 1 February 2026
- PDS length
- 62 pages
- What it covers
- Comprehensive, third party fire and theft, and third party property. Comprehensive covers collision, theft, fire, storm, hail and flood damage to your vehicle plus $20 million of damage to other people property. Excludes wear, mechanical failure, unlicensed driving, and use for hire and reward unless declared.
- Who it is for
- Written for private drivers of registered passenger vehicles, utilities and light commercials under 3.5 tonnes, garaged in Australia. Not designed for rideshare or courier work unless declared, for vehicles used in competition, or for heavy commercial fleets.
Landlord
WI-LL 04/26 - Effective from
- 1 April 2026
- PDS length
- 71 pages
- What it covers
- Building and landlord contents, plus loss of rent for up to 52 weeks after an insured event, rent default, tenant theft and malicious damage. Requires a written tenancy agreement, a lodged bond and an entry condition report for the tenant risk sections to respond.
- Who it is for
- Written for owners of residential investment properties let on a standard residential tenancy agreement for terms of 30 days or more. Not designed for short-stay letting, for rooming houses, or for commercial premises.
Farm pack and small business pack
WI-FB 07/26 - Effective from
- 1 July 2026
- PDS length
- 138 pages
- What it covers
- Section-based packs. Farm covers homestead, sheds, silos, fencing, machinery, crop, hay, livestock and farm liability. Business covers premises, fit-out, glass, stock, goods in transit, business interruption, tools, money and $20 million of public and products liability. Neither covers drought.
- Who it is for
- Written for owners and operators of Australian primary production enterprises, and for small businesses with annual turnover under $5 million operating from fixed premises or as a mobile trade. Not designed for heavy manufacturing, for labour hire, or for enterprises requiring multi-peril crop cover.