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Add your voice for a standard definition for all natural disasters

It shouldn’t be left to insurance companies to define words like ‘fire’. Call on Treasurer Josh Frydenberg to implement a standard definition for natural disasters now.

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Major insurers are failing Australians with confusing ‘fire’ cover

If your home is lost or damaged by fire, you should be able to rely on your insurance to cover you. It’s what you’ve paid for. 

But right now, there is no standard definition of ‘fire’ across insurance policies. This means individual insurance companies are free to define ‘fire’ however they like – and these definitions can give them leverage to deny your claim.

There’s already a standard definition of flood which insurance companies have to use, but this only happened after overwhelming public pressure to put an end to this unconscionable practice following the 2010-2011 Queensland floods.

It should be easy to know what you’re covered for when you buy insurance. Right now, insurers are making it too hard to understand if you’re covered for disasters by relying on tricky terms and vague language. 

When is a fire not a fire?

Insurance companies can define ‘fire’ however they like. These are the worst examples CHOICE experts found.


Here's why a flood is a flood

When floods swept across Queensland in 2010-2011, insurance companies denied people’s claims stating that the damage was caused by ‘stormwater’. Thanks to public pressure, the federal government standardised the definition of flood to make sure all people are covered in the event of such natural disasters.

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