When do additional and multiple excesses apply?

Additional excesses apply for the following claim types:
- An earthquake
- Tsunami
- Vandalism or malicious acts by tenant or visitor
- Deliberate or intentional acts by tenant or visitor
- Theft by tenant- rent default
- Accidental damage by tenant.

Multiple excesses may apply when there are a number of separate identifiable events. 

Rent Default applies when a tenant fails to pay the agreed rent and is in breach of a written, rent agreement or periodic tenancy agreement. Loss of Rent applies when your building or sections of your building suffer loss or damage and are uninhabitable. As a result, you will be covered for any loss of rent equal to the weekly amount as stated on your rental agreement or periodical tenancy agreement for up to 12-months. The most that will be paid is up to the sum insured, as listed on your schedule. Note: Rent Default and Loss of Rent are noted as optional cover; when purchased they will be included on the most recent schedule.