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Insurance questions and answers

The following information is general information only, and we do not provide advice based on any consideration of your objectives, financial situation or needs.

General insurance

Greater Bank has teamed up with Allianz to provide a range of insurance products, such as:

Getting a quote has never been easier – you can call a Greater Bank insurance specialist on 13 13 86, or get a quote online.

Lodging a claim on your Home Insurance policy is easy - you can call 1300 555 030 to get started, or lodge online around the clock.

 

Comprehensive Motor Insurance

Unless they are listed on your car insurance policy, Allianz are unable to provide any information nor can they action any requests on your behalf.

Please contact Allianz on 1300 139 418 to discuss what is involved in providing them access to your car insurance policy.

To have a non-standard accessory - such as a music player - covered under your car insurance policy, you need to let Allianz know the value of the accessory.

You need to do this for all non-standard accessories as well as modifications that you have made to the vehicle to ensure you are covered in the event of a car insurance claim. Remember to also keep a record of your purchases.

In the event that your son/daughter is involved in an accident in your vehicle and is not listed as a nominated driver on your insurance, he/she may have to pay a higher ‘Age excess’ for drivers not listed on your policy schedule in addition to the basic excess and any other excess that applies, on condition that Allianz chooses to accept the claim.

If they were listed on the policy, you would pay a lower “Age excess” in addition to the Basic excess and any other excess that applies.

It is important to list all drivers on your policy.

If the driver is not listed on the policy and you need to make a claim, or you may need to pay an age excess if they are under 25 or an unnamed driver excess where the Named driver option is selected.

For full details of the standard terms, conditions, limits and exclusions please refer to the relevant PDS.

Unless Allianz state otherwise in the PDS, when you make a claim under the policy, you will need to pay one or more excesses which is the amount you must pay as a contribution to each claim.

The amount and type of the excess(s) you have to pay will be shown in your policy schedule or in your PDS.

For full details of the excesses that Allianz may apply and when Allianz apply them, please refer to your policy schedule and the relevant PDS and PED guide.

Comprehensive Motor Insurance covers your vehicle, plus damage you cause to other people’s vehicles or property. It doesn’t cover your liability to pay compensation if you cause injury to another person.

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Comprehensive Motor Insurance isn’t mandatory in Australia but there are benefits to having it. If you choose not to take out Comprehensive Motor Insurance and you or the driver of your vehicle is at fault in an accident, you’ll be responsible for the cost of any damage to your own vehicle as well as for the damages caused to any third party property.

Did you purchase your vehicle with a loan? Some financial institutions might require you to have Comprehensive Motor Insurance if you took out a loan to purchase your vehicle.

Allianz Comprehensive Motor Insurance provides cover for accidental loss or damage to your vehicle, as well as your legal liability for the damage you cause to other people’s vehicles or property. Some examples of loss or damage to your vehicle covered by this insurance include:

  • Motor accidents such as a collision with another vehicle
  • Theft
  • Fire damage
  • Storm damage
  • Hail damage
  • Damage while your vehicle is parked

For more information, see the relevant PDS.

If you’re driving another person’s vehicle, you should always check their insurance policy details to confirm whether you’re covered. You won’t be covered by your Allianz Comprehensive Motor Insurance policy when you’re driving someone else's vehicle.

Third Party Property Damage (TPPD) Motor Insurance covers damage you cause to other people's vehicles and property while using your vehicle. This includes the cost of the damage and reasonable approved legal costs arising from a covered accident.

TPPD Motor Insurance doesn’t cover damage caused to your own vehicle, fire, theft, or injury you cause to other people.

If you want to cover your vehicle from accidental loss or damage, you might consider Comprehensive Motor Insurance.

For more information on Third Party Property Damage Motor Insurance, see the relevant PDS.

Yes, if you lodge a claim on your Third Party Property Damage Motor Insurance policy you’ll have to pay an excess. Check your policy schedule to see any applicable excesses.

Compulsory Third Party (CTP) Insurance provides you with cover for people killed or injured in a motor vehicle accident for which you or the driver of your vehicle are at fault.

CTP insurance is compulsory in all states of Australia and does not provide any cover for damage to property.

Comprehensive Car Insurance however, does provide cover for damage to property.

It provides cover for damage to your own vehicle, theft of your vehicle and damage you cause to other people's property and vehicles.

This is different to Third Party Property Damage Insurance which only provides you with cover for loss or damage to someone else's property caused by a car accident which is your fault.

You can’t register a vehicle in Australia without Compulsory Third Party (CTP) insurance, also known as a Green Slip in NSW. When driving your vehicle, CTP covers your liability for injuries you or other drivers of your vehicle cause to other road users. CTP insurance doesn’t cover damage to property.

Allianz Third Party Property Damage Motor Insurance provides you with cover for loss or damage you cause to other people’s vehicles or property, while using your vehicle.

Neither CTP Insurance nor Third Party Property Damage Motor Insurance covers damage to your own vehicle.

In addition to the basic excess, he/she will also be required to pay the relevant age excess for drivers listed in your policy schedule.

All excesses are displayed on your car insurance policy schedule.

In addition to the basic excess, he/she will also be required to pay the relevant age excess for drivers listed in your policy schedule.

All excesses are displayed on your car insurance policy schedule.

Cover for damaged windscreens is covered under your Allianz Comprehensive Car insurance policy, subject to any applicable excess listed in your policy schedule or in your PDS.

Allianz also offer an option for the removal of basic excess on windscreen claims. If you have selected this option, you will not need to pay the basic excess if the broken windscreen is the only damage to your vehicle. This covers 1 replacement and 2 repairs in any period of insurance.

For full details of conditions and exclusions please refer to the relevant PDS.

Your insurance premium takes into account various factors, including, for example, the costs of fixing your car in the event of a claim.

This cost will vary depending on whether the car must be replaced if it is a total loss or if it can be repaired.

Whilst the value of most cars will decrease over time (lowering the replacement cost) these total loss claims occur much less frequently than accidental damage claims.

Accidental damage claims require the car to be repaired and the cost of this usually increases each year in line with increases in the cost of parts, paint and labour.

Therefore, completing the same repair to the same car will probably cost more in future years, even though the value of the car may reduce.

A driver with an overseas licence is covered on your policy so long as they abide by the laws and driving regulations of the state or territory which they will be driving in.

In Australia, laws and driving regulations differ from state to state. Some states require you to carry an International Licence with your current foreign licence.

Other states request you carry your current foreign driver's licence together with a formal translation of your licence into English.

In most Australian states and territories (the exception is the Northern Territory), you are able to drive on an overseas licence as long as it is current.

You can only drive vehicles which your overseas licence authorises you to drive and you must drive according to any conditions on your overseas licence.

You do not have to advise Allianz that a driver using your car is in possession of an overseas licence, however it is important to let Allianz know about anybody that you know of who will drive your car and have them listed on your policy.

This will assist with avoiding any unlisted driver excesses that may apply in the event of a claim and ensure that all drivers are covered by your policy.

For full details of conditions and exclusions please refer to the relevant PDS.

Home Buildings and Contents Insurance

Do what you reasonably can to prevent further loss, damage or liability.

Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary or loss of insured property.

Contact the Claims Call Centre on 1300 555 030 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the home and contents insurance claims process.

In order to be sure that you are covered under this policy you should always contact Allianz for approval before you incur expenses you wish to claim.

If you do not, Allianz will pay for expenses incurred to the amount Allianz would have authorised had you asked Allianz first.

If you are altering the security on your property you should inform Allianz as it may change the conditions of your home insurance. This may affect your premium.

You must tell Allianz as soon as reasonably possible if, during the period of insurance you remove or stop using any security devices that were specifically required by us.

If you don’t provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent Allianz are prejudiced by the delay or the non-disclosure.

You can also contact Allianz if you want to vary your policy during the period of insurance for any other reason, for example to increase your sums insured or to take out additional cover options that may be available.

When Allianz receive this information, Allianz may:

  • propose changes to the terms and conditions of your policy,
  • charge you a higher premium,
  • cancel your policy if there is a change and Allianz can’t reach an agreement with you on altered terms and conditions or premium; or Allianz are no longer prepared to insure you because they has been a material change to the risk,
  • decide not to offer to renew your policy.

You should tell Allianz as soon as reasonably possible if during the period of insurance your building is in the course of construction or there are any alterations, additions, demolition, repairs to, or decorations of the buildings costing more than $75,000.

If you don’t provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent Allianz are prejudiced by the delay or the non-disclosure.

When Allianz receive this information, Allianz may:

  •  propose changes to the terms and conditions of your policy,
  •  charge you a higher premium,
  • cancel your policy if there is a change and Allianz can’t reach an agreement with you on altered terms and conditions or premium; or Allianz are no longer prepared to insure you because there has been a material change to the risk,
  • decide not to offer to renew your policy.

It is also important that you increase your sum insured to take into account any extensions or renovations to make sure you are adequately covered in the event of a home insurance claim.

You must tell Allianz as soon as reasonably possible if, during the period of insurance you start using any part of your home building for business, trade or professional purposes (except for a home office).

If you don’t provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent Allianz are prejudiced by the delay or the non-disclosure.

When Allianz receive this information, Allianz may:

  • propose changes to the terms and conditions of your policy,
  • propose to charge you a higher premium,
  • cancel your policy if there is a change and Allianz can’t reach an agreement with you on altered terms and conditions; or Allianz are no longer prepared to insure you because there has been a material change to the risk.

 

If you’re renting all of your home out to tenants, cover is not available under a Home and Contents Insurance policy.

Cover is not available for these types of losses under our Home and Contents Insurance.

If you rent out part of your home while you live at the same address, please contact Allianz so Allianz can determine if you are eligible for this product.

 

It’s up to you to decide the sums insured, and the type and level of cover that you want to take out.

People generally want enough insurance to cover the property’s estimated replacement value.

If you don’t have enough cover, you could end up having to cover some of the costs yourself.

Remember, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser - so you should also be careful not to over-insure.

You can get an estimate on the value of your home buildings and contents by using the calculators Allianz provides access to below.

Value my home

Value my contents

To help you estimate the replacement value of your buildings and/or contents, you can use the calculators Allianz provides access to below:

Value my home

Value my contents

You must tell Allianz as soon as reasonably possible if, during the period of insurance you start using any part of your home building for business, trade or professional purposes (except for a home office).

If you don’t provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent Allianz are prejudiced by the delay or the non-disclosure.

When Allianz receive this information, Allianz may:

  • propose changes to the terms and conditions of your policy,
  • propose to charge you a higher premium,
  • cancel your policy if there is a change and Allianz can’t reach an agreement with you on altered terms and conditions; or Allianz are no longer prepared to insure you because there has been a material change to the risk.

You can cover laptops, tablets, mobile phones, smart watches and other wearable technology away from the home under the Portable Contents optional cover.

These items must be specified on your policy as Listed Portable Contents to be covered under this option.

Allianz will not cover cracked glass or screens where this is the only damage to the item.

Yes you can cover these under the Portable Contents optional cover as Unlisted Portable Contents.

However, these items will not be covered while they are being used.

You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting Allianz/Greater Bank on 13 13 86).

If you’re not sure whether you have added these cover options, you can check your policy schedule.

Drones and other remotely or autonomously piloted aircraft used for personal use are covered if lost or stolen within your property.

They are not covered when in use, used for business or when they are not at the insured address.

Contents Insurance for Renters

Do what you reasonably can to prevent further loss, damage or liability. Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary or loss of insured property.

Contact the Claims Call Centre on 1300 555 030 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the renters insurance claims process.

In order to be sure that you are covered under this policy you should always contact Allianz for approval before you incur expenses you wish to claim.

If you do not, Allianz will pay for expenses incurred to the amount we would have authorised had you asked us first.

This optional cover provides even more cover – it covers you in the event of damage caused by unexpected mishaps that are caused unintentionally not just the specified insured events.

If you have Contents cover and take this option, the sort of mishaps you’ll be covered for include when you spill red wine on the carpet or lounge.

Allianz will extend cover for your contents anywhere in Australia for up to 90 continuous days (not just at the insured address).

You can cover laptops, tablets, mobile phones, smart watches and other wearable technology away from the home under the Portable Contents optional cover.

These items must be specified on your policy as Listed portable contents to be covered under this option.

Allianz will not cover cracked glass or screens where this is the only damage to the item.

You need to provide evidence of the value and ownership of both listed and unlisted portable contents.

You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting Allianz/Greater Bank on 13 13 86).

If you’re not sure whether you have added these cover options, you can check your policy schedule.

Your home is unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and you cannot live in the home.

Landlord Insurance

Do what you reasonably can to prevent further loss, damage or liability. Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary or loss of insured property.

Contact the Claims Call Centre on 1300 555 030 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the landlord insurance claims process.

In order to be sure that you are covered under this policy you should always contact Allianz for approval before you incur expenses you wish to claim. If you do not, Allianz will pay for expenses incurred to the amount we would have authorised had you asked Allianz first.

You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting Allianz/Greater Bank on 13 13 86.

If you’re not sure whether you have added these cover options, you can check your policy schedule.

This insurance policy has been designed for people who are renting their property out to tenants under a residential rental agreement.

Contents owned by you (or for which you are legally responsible) and provided for the use of the tenants may also be covered under the policy.

This policy is not suitable for covering the building or contents of the home you live in. In this regard, Allianz offers a Home and Contents product that has been specifically designed for homeowners or renters.

You can find more information on Home and Contents Insurance and Landlord Insurance on our website.

The replacement value of your buildings is not the same as the market value – you do not need to include the value of the land when calculating the buildings replacement value.

Value my home

Value my contents

 

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Important information about these products

Greater Bank, part of Newcastle Greater Mutual Group Ltd ACN 087 651 992 AFSL/Australian credit licence 238273 arranges this insurance as an agent of the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).

We are unable to provide you with any general or personal advice regarding the Allianz insurance products offered. Accordingly, we do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement. The relevant Target Market Determination is available by calling 13 13 86.

Please also consider our Financial Services Guide, which describes the services we offer and how, before deciding whether to use the services offered by us. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.

Greater Bank, part of Newcastle Greater Mutual Group Ltd ACN 087 651 992 AFSL/Australian credit licence 238273 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708.

We are unable to provide you with any general or personal advice regarding the Allianz insurance products offered. Accordingly, we do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available here. The relevant Target Market Determination is available by calling 13 13 86.

Please also consider our Financial Services Guide, which describes the services we offer and how, before deciding whether to use the services offered by us. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.

1. Online discount - When you quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year's premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal. 

2. Combined - 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 covers.

4. Minimum premiums - If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the 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. Discounts do not apply to optional covers for Domestic workers' compensation / Landlord workers' compensation, and may not apply to other optional covers (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.

6. Instalment premiums - If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.

7. 72 hour exclusion period - We may not 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. Refer to PDS for when exclusion periods apply.

Greater Bank, part of Newcastle Greater Mutual Group Ltd ACN 087 651 992 AFSL/Australian credit licence 238273 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708.

We are unable to provide you with any general or personal advice regarding the Allianz insurance products offered. Accordingly, we do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available here. The relevant Target Market Determination is available by calling 13 13 86.

Please also consider our Financial Services Guide, which describes the services we offer and how, before deciding whether to use the services offered by us. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.

Greater Bank, part of Newcastle Greater Mutual Group Ltd ACN 087 651 992 AFSL/Australian credit licence 238273 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708.

We are unable to provide you with any general or personal advice regarding the Allianz insurance products offered. Accordingly, we do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available here. The relevant Target Market Determination is available by calling 13 13 86.

Please also consider our Financial Services Guide, which describes the services we offer and how, before deciding whether to use the services offered by us. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.

1. Online discount - When you quote and buy a new Landlord Insurance policy online, a discount of up to 10% is applied to your first year’s premium including the following optional covers (if selected): Flood and Rent Default and Theft by Tenant. This discount isn’t applied on renewal

4. Minimum premiums - If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the 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. Discounts do not apply to optional covers for Domestic workers’ compensation / Landlord workers’ compensation, and may not apply to other optional covers (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.

6. Instalment premiums - If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.

7. 72 hour exclusion period - We may not 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. Refer to PDS for when exclusion periods apply.

Greater Bank, part of Newcastle Greater Mutual Group Ltd ABN 96 087 651 992 AFSL 238273, arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), for the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply. Greater Bank, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Therefore, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement. The Target Market Determination is available at www.allianzpartners.com.au/policies/. Greater Bank and AGA receive a commission which is a percentage of the premium you pay for a policy - ask us for further details prior to purchasing.

Greater Bank, part of Newcastle Greater Mutual Group Ltd ACN 087 651 992 AFSL/Australian credit licence 238273 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708.

We are unable to provide you with any general or personal advice regarding the Allianz insurance products offered. Accordingly, we do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available here, any applicable supplementary PDS and Home Contents key fact sheet/s also available for reference. The relevant Target Market Determination is available by calling 13 13 86.

Please also consider our Financial Services Guide, which describes the services we offer and how, before deciding whether to use the services offered by us. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.

1. Online discount - When you quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year's premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal. 

3. No Claims Bonus - When you take out a new policy, we calculate your No Claims Bonus (NCB) based on your home or landlord (as applicable) 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 5 years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus. The No Claim Bonus is applied to some optional covers if selected; Motor Burnout and Accidental Damage, but not Flood or Portable Contents cover, if selected.

4. If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the 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. Discounts do not apply to optional covers for Domestic Workers Compensation / Landlord Workers Compensation, and may not apply to other optional covers (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.

5. Excess reduction - Not available with respect to any additional compulsory excess, imposed excess applied to the policy or to the Portable contents excess. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Domestic Workers compensation, Flood or Portable contents. Minimum premiums apply.

6. Instalment premiums - If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.

7. 72 hour exclusion period - We may not 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. Refer to PDS for when exclusion periods apply.

Greater Bank, part of Newcastle Greater Mutual Group Ltd ACN 087 651 992 AFSL/Australian credit licence 238273 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708.

We are unable to provide you with any general or personal advice regarding the Allianz insurance products offered. Accordingly, we do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available here. The relevant Target Market Determination is available by calling 13 13 86.

Please also consider our Financial Services Guide, which describes the services we offer and how, before deciding whether to use the services offered by us. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.