2Interpretation

2 Interpretation

(1) In these Regulations, unless the contrary intention appears:

accidental damage, in relation to a thing, means damage that occurs to the thing fortuitously in relation to the insured.

accidental injury means an injury that occurs fortuitously to the insured person but does not include an injury that is caused by or results from a sickness or disease.

the Act means the Insurance Contracts Act 1984.

contents, in relation to a residential building, means:

(a) furniture, furnishings and carpets (whether fixed or unfixed);
(b) household goods;
(c) clothing and other personal effects;
(d) any of the following:
(i) a picture;
(ii) a work of art;
(iii) a fur;
(iv) a piece of jewellery;
(v) a gold or silver article;
(vi) a document of any kind;
(vii) a collection of any kind;
the value of all of which at the time when the relevant contract of insurance is entered into does not exceed $500; and
(e) swimming pools that are not fixtures, that are owned by the insured or by a member of the insured’s family ordinarily residing with the insured, but does not include an article or thing to which the expression residential building extends.

eligible contract of insurance has the meaning given in regulation 2B.

expropriation, in relation to property, means the lawful seizure, confiscation, nationalization or requisition of the property.

home building means:

(a) a building used principally and primarily as a place of residence; and
(b) out‑buildings, fixtures and structural improvements used for domestic purposes, being purposes related to the use of the principal residence;

on the site and, without limiting the generality of the expression, includes: (c) fixed wall coverings, fixed ceiling coverings and fixed floor coverings (other than carpets); (d) services (whether underground or not) that are the property of the insured or that the insured is liable to repair or replace or pay the cost of repairing and replacing; and (e) fences and gates wholly or partly on the site; but does not include: (f) a hotel; (g) a motel; (h) a boarding house; (j) a building that is in the course of construction; (k) a temporary building or structure or a demountable or moveable structure; (m) a caravan (whether fixed to the site or not); or (n) a building that is let or rented by the insured, as lessor, as a business and is not the principal residence of the insured.