We can provide you with insurance for everything from cars and homes, to travel and loan protection through Allianz, one of the largest general insurers in Australia.
The Little Details
1 Home – Up to 30% No Claims Bonus – When you take out a new policy, we calculate your No Claims Bonus based on you home insurance claims history. To qualify for the maximum No Claim Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding five years. However, customers who have had claims may still qualify for a reduced No Claim Bonus. After each claim-free year, the No Claim Bonus discount applied to your renewal premium will be increased by 10%, to a maximum of 30%. However, for every claim you make in a year, the No Claim Bonus discount applied to your renewal premium will be reduced by 10% – to a minimum of 0%. The No Claim Bonus discount is applied to some optional covers if selected; Motor burnout and Accidental damage, but not Flood or Portable contents cover.
2 Flood – Flood cover is available for all eligible property addresses. Flood cover is an option on both Building and Contents in home and landlords insurance policies. The cover is designed to protect customers against damage to their buildings and/or contents in the event of a Flood up to the value of the sum insured. Flood cover is subject to eligibility.
3 Rental Car – Rental Car after theft of your vehicle – $100 per day limit, up to 30 days.
4 Travel – Where used, the term ‘Unlimited’ only means there is no capped dollar sum insured. Terms, conditions, limits and exclusions apply as set out in the PDS. All costs and expenses claimed must be reasonable. We will only pay for treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened. You do not have cover under certain sections while travelling in Australia. Please refer to the Product Disclosure Statement for full details. In particular, please read the Pre-existing Medical Conditions section
5 Landlord – Up to 30% No Claim Bonus – To qualify for the maximum No Claim Bonus of 30%, landlords must have had no landlord losses in the preceding three years. However landlords who have had up to two claims may still qualify for reduced No Claim Bonus. The up to 30% No Claim Bonus discount is applied to our standard rates including optional Rent Default cover (if selected). This discount does not apply to the flood premium (where applicable).
6 Minimum Premiums – If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means the effect of applying any subsequent discount will be reduced For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts. Discounts do not apply to taxes or government charges. No discounts are applied to optional cover; Domestic Workers Compensation (if available and selected). Any discounts/entitlements may be subject to rounding and only apply to the extent that any minimum premium is not reached. Minimum premiums may apply.