When severe weather hits Australia, hazardous conditions such as hail, storms, flash floods, thunder and lightning can happen. Protect yourself with this severe weather preparation checklist and help safeguard your family.
Prepare an essential emergency kit and practice an emergency plan to ensure household members know what to do in the event of extreme weather conditions.
Stay inside and close all windows and doors. Find refuge in a small interior room, stairwell or the lowest floor of the building. Make sure family members are safe and accounted for, including pets. Stay clear of glass windows, doors and exterior walls.
If outside, seek shelter in a building or lie flat in a low dry ravine or ditch under a low bridge – don’t shelter in a car or caravan. Protect your head and hang on to a base of a shrub or small tree. Don’t try to outrun high winds or a cyclone.
Remain indoors and stay clear of windows, doors and fireplaces. Make sure all windows and doors are securely shut. Unplug all electrical appliances and don’t use telephones (either a landline or mobile) during the storm. Both water and metal are electrical conductors so make sure you don’t take a bath or touch electrical equipment during a lightning storm.
If outside, seek shelter in a building or vehicle. When there is no available shelter, crouch down, feet close together and keep your head tucked down. If you’re in a group, spread out several metres apart. Discard umbrellas, golf clubs and don't stand under trees or poles.
A flash flood is a violent and sudden flood. If you’re at home, get as high as you can and stay clear of windows or glass doors.
If you’re outside, find refuge as high as possible and call emergency services for help. When driving a vehicle, turn on hazard lights and pull over to the side of the road. Keep clear of causeways, streams, creeks, drains, trees and power lines.
If the flood water has risen around your car but the water isn’t moving, get out and move to higher ground. Don’t enter moving water.
Follow these important steps:
When planning for severe weather, make sure your home and contents insurance is up-to-date and the sum insured amount is enough. It’s a good idea to have your insurer’s details in your emergency kit, so you’ll be able to contact them in a hurry if you need to.
Cover is subject to your application for insurance being accepted.
Product Disclosure Statements (PDS)
For the standard terms, conditions and exclusions about our Home & Landlord Insurance, please refer to the relevant Product Disclosure Statement (PDS) and any supplementary PDS (if applicable), and the . To see some of the events covered and not covered, please refer to our Key Fact Sheets (KFS).
Home and Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Bank of Melbourne - a Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (the Bank) arranges the insurance under a distribution agreement with Allianz Insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement. For more information call 13 22 66.
A target market determination has been made for this product. Please visit https://www.bankofmelbourne.com.au/tmd for the target market determination.