CONTENT ITEMS
Food and medication spoilage
COVERED
If the fridge malfunctions and your food and medications spoil, then you may have cover under your AAMI Home Contents Insurance policy. Learn more about what we cover for food and medication spoilage.
What’s covered
We’ll cover spoilage of refrigerated food, frozen food and refrigerated medicines at the insured address caused by any of the following:
- an insured event
- the sudden escape of refrigerant fumes
- electrical or electronic breakdown, failure or malfunction
- the public electricity supply failing to reach the insured address.
You can lodge a claim for food and medication spoilage independently of a claim for loss or damage caused by an insured event. If you make a claim under this additional cover no excess applies. But, the most we will pay for any one incident is $400.
What’s not covered
We do not cover loss or damage arising from or caused by industrial action, or arising from an accidental act or omission of a power supply authority unless the action is in the interest of public safety. Other exclusions apply. You can find out more about this cover and any other exclusions and conditions in the Product Disclosure Statement.