While it may be wonderful being starstruck, being thunderstruck is far from pleasant – especially when it causes loss or damage to your home or contents. Here is a brief overview of what coverage is offered for loss or damage caused by lightning.

What policy covers loss or damage caused by lightning?



Classic Extras


Classic Advantages


What’s covered

Loss or damage caused to your home and/or contents by lightning (including power surge caused by lightning).

What’s not covered?

There are instances where you will not be covered. These are:

  • any claim where the Australian Government Bureau of Meteorology has no record of lightning in your area at the time of the loss or damage;
  • loss or damage without written confirmation from a qualified repairer (e.g. electronics repairer) saying lightning was the actual cause of the loss or damage;
  • loss or damage caused by power failures or surges by your power provider.

If you would like to learn more about this coverage or the other events we provide coverage for loss or damage, then you can find this in the Product Disclosure Statement.