1. Combined Discounts
A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home Insurance policy, including for the following optional covers if selected: Motor Burnout and Accidental Damage cover. The combined discount doesn't apply to Landlord policies, Flood or Portable Contents optional cover.
2. Minimum premiums may apply
Any discounts may be subject to rounding and only apply to the extent that any minimum premium isn't reached. If you’re 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 discounts consecutively means that you won't see the full benefit of both these discounts.
Discounts don't apply to taxes or government charges. No discounts are applied to the optional cover: Domestic Workers' Compensation (if available and selected).
3. 72-hour exclusion period may apply
We don’t provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. For full details of conditions and exclusions please refer to the relevant PDS.
4. Alternative accommodation
Covers weekly equivalent rent. Up to 10% of Building or Contents sum insured, up to a maximum of 12 months and up to $500 for your pets.
This is an extra benefit we pay in addition to your building sum insured. We don’t pay additional alternative accommodation costs under the contents section if we’ve paid it under the buildings section. No excess applies to this benefit.
5. Making your home building environmentally friendly
These are extra benefits we pay in addition to your building sum insured. No excess applies to these benefits.
6. Portable Contents
Some portable contents must be specified on your policy schedule as Listed Portable Contents to be covered.
