What EQC / Southern Response is responsible for

The information below is a summary of the cover and responsibilities under your insurance policies. If you have any questions about your claim and circumstances please discuss them with either EQC or Southern Response.　

Item Responsibility of EQC Responsibility of Southern Response

LAND RELATED

 　 　

Land

YES

Under and within 8 metres of residential building(s)

　

NO

Hedges, trees, shrubs or live plants

NO

　

NO

Sewerage & drainage water services & pipes

YES

Within 60 metres of residential building(s)

　

YES

　

Bores & wells

YES

Within 60 metres of residential building(s)

Residential use only

　

YES

Residential use only

Water tanks, septic tanks

YES

Within 60 metres of residential building(s)

　

YES

Telephone & electricity/gas services

YES

Within 60 metres of
residential building(s)

Residential use only

　

YES

Residential use only

HOME RELATED

EQC

Southern Response

House & outbuildings

YES

up to $100,000 (+GST) for each earthquake event

YES

Where a claim is accepted by EQC and the damage from that event is 'over cap', up to policy limit

　

Fences, paths & driveway surfaces

NO

 

YES

Retaining walls

YES

 

NO

Swimming pools, spa pools

YES

Only if integral part of residential building(s)

　

YES

External pools not covered by EQC

ACCESSWAY RELATED

EQC

Southern Response

Land beneath accessways, not the surface

YES

Within 60 metres of
residential building(s)

　

NO

　

Retaining walls supporting accessways

YES

Within 60 metres of
residential building(s)

　

NO

Bridges & culverts that form part of the accessway

YES

Within 8 metres of
residential building(s)
(or within 60 metres
if part of main accessway)

　

YES

CONTENTS RELATED

EQC

Southern Response

Personal property

YES

Up to $20,000 (+ GST)
for each earthquake event

YES

Where a claim is accepted by EQC and the damage is 'over cap' for the event, top-up cover up to policy limit

　

Jewellery, art & stamps

NO

　

YES

VEHICLE RELATED

EQC

Southern Response

Motor Vehicle

NO

YES

Where full AMI vehicle insurance held

　

Trailer

NO

　

YES

Caravan if towable & not used as a home

NO

　

YES

Boat

NO

　

YES

OTHER

EQC

Southern Response

Farm/Lifestyle block

NO

Commercial property
not insured

　

YES

Cover based on options selected

Jetty, wharf or landing

NO

　

NO

Loss of rent

NO

YES

If option selected

　

 

Temporary accommodation

NO

YES

Limited to 25% of sum insured under AMI Contents policy or twelve months (cumulative), whichever is reached first.