Request a copy of your common property certificate of currency

Online payments – refund policy

We are committed to providing our customers with a high level of service.

Our refund policy applies to online services purchased from https://picagroup.com.au/

If you are not satisfied with a service we have provided, please contact our customer support team on the details below so that we can find a solution for you.

To request a refund, please email within 14 days from the date of purchase.

To be eligible for a refund you must provide a valid reason for your request and proof of purchase. Once we receive your email, we will consider your request and determine if a refund will be provided. Each request will be assessed based on its own merits.

We reserve the right to:

• refuse a refund if we determine that your request is not valid; and
• retain service fees where you change your mind after we have processed your order.

Refunds will be issued to the original payment method used for the purchase. Please allow for 5-10 business days for the refund to appear in your account.

We reserve the right to modify or update this refund policy at any time to take into account changes in applicable laws and business practices. Any changes to the policy will be posted on our website and will be effective immediately. Any refund requests made on or after the date of amendment will be assessed under the updated policy.

If you have any questions or concerns about our refund policy or status of a refund request, please contact our customer support team at sectionreports@picagroup.com.au

Why does my property need common property insurance cover

It’s mandatory in Australia to have insurance that conforms to your state’s strata, body corporate or owners corporation legislation. Common property insurance protects aspects of a property that the average home insurance policy doesn’t. Whether your property is your investment or your home, the financial impact of losing your property could be devastating. Common property insurance insures your property financially against accidents, loss, damage, and many types of natural disasters.

If a guest, resident, or contractor sustains an injury on your property the owners of the property are financially responsible for any resulting legal action. That is why most common property insurance policies also cover public liability (e.g. death or injury to a person on strata common property), office bearer’s liability, and personal accident/volunteer worker cover.

If you are looking for a way to protect your property against legal action relating to personal property damage or personal injury your property may benefit from Community Health & Safety.

What does my common property insurance cover?

Common property insurance protects the building and common property, not your personal property. Common property insurance helps protect your scheme from accidents, loss, damage, and some types of natural disasters.

Generally common property insurance covers:

• Public liability insurance for common property areas.
• Common contents such as communal furniture, equipment, and appliances.
• Reinstatement and replacement insurance for buildings on common property.
• Common property such as common areas, car parks, stairwells, lifts, gardens, and common floors, walls, and ceilings.
• Voluntary workers insurance to cover people carrying out voluntary works on behalf of the owners corporation.
• Fixtures and fittings that cover common areas of the building such as ducted air conditioning, balconies, water pipes, and sewage pipes.

As a property owner and landlord, this means your personal items inside your property aren’t protected. Similarly, you wouldn’t be covered if your tenants fail to pay rent, move out without notice, or cause damage to your property.

An insurance policy may have exclusions, so it is important to check the inclusions and coverage level of your policy.

Do I need both common property and contents insurance?

In Australia, many people mistakenly believe that mandatory common property insurance covers incidents inside individual properties. However, common property insurance only covers issues like theft, storm damage, and legal liability in the common areas.