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If you take both Buildings and Contents insurance here’s how they can work together if the unexpected occurs;
Protect your home buildings from unexpected events such as fire, theft, and storm.
Protect your home inside and out from loss or damage caused by one or more of 11 insured events.
Protect the belongings kept at the insured address for loss or damage caused by one or more of 11 insured events.
Plus, you will only have to pay the applicable excess(es) once in respect of any single claim if your buildings and contents are damaged by the same insured event.
We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the relevant Home Product Disclosure Statement (PDS), any applicable supplementary PDS and Home Buildings or Home Contents Key Fact Sheets also available for reference
Qudos Bank ABN 53 087 650 557 AFSL/Australian Credit Licence No. 238305 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. 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 Product Disclosure Statement and key fact sheets available from www.qudosbank.com.au. The relevant Target Market Determination is available by calling 1300 747 747. If you purchase this insurance, we will receive a commission of 18% that is a percentage of the premium. Ask us for more details before we provide you with services. See our Financial Services Guide or ask us for more details.
1 Online discount
When you buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium including for 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% for combining Buildings and Contents covers on one policy is applied for Building and Contents, Motor Burnout and Accidental damage cover where applicable. The combined policy discount does not apply to the optional Flood or Portable Contents covers. This combined discount does not apply to Landlord Insurance policies.
3 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.
4 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.
