As part of your Contents
insurance policy EQC insures you for earthquake damage up to a
maximum amount of $20,000 + GST ($23,000) for each earthquake
This $20,000 + GST ($23,000)
is before the deduction of your EQC excess of 1% ($200). An excess
is the amount that you contribute towards a claim.
In the first instance you
should lodge your claim with EQC. EQCover provides the same type of
cover as your Contents policy. If you have replacement or market
value cover under your contents policy for an item, EQC also
insures you on those terms. Please check your AMI policy document
(page 2 - 'what is covered by this policy') to clarify the type of
cover you have.
Your insurance policy
provides earthquake top-up cover above what EQC has agreed to pay
you, and for damage to items not insured by EQC but covered within
the terms of your policy (up to your sum insured).