Home Insurance Policy Documents

Home Insurance

The Product Disclosure Statement (PDS) helps you to understand the product/cover together with the associated terms and conditions. Please read the PDS paying attention to the definitions and exclusions of the policy you are purchasing.

Home and Contents Insurance

Download Product Disclosure Statement (PDS):

Vital Classic Prestige

Download Home Insurance Financial Services Guide
Download Home Insurance Privacy Policy

Landlord Insurance

Download Product Disclosure Statement (PDS):


Renter's Insurance

Download Product Disclosure Statement (PDS):


Home Insurance Policy Documents

There are three ways to apply for home and contents insurance through 1300 Insurance. If you meet the eligibility criteria, you could buy your home and contents insurance policy in the following ways:

  1. Get a quote and then buy securely online 24 hours a day, 7 days a week
  2. Complete a quote online then simply call 1300 467 872 to complete the purchase of your policy. Make sure you have the quote reference number handy when you call.
  3. Call a friendly, helpful consultant on 1300 467 872 to get a quote and buy your insurance over the phone.

The call centre is open Monday to Friday between 8.00am and 9.00pm (EST) and Saturday 8.00am to 5.00pm (EST).

If you meet the eligibility criteria, you may be able to get your home and contents insurance in place within minutes with a short online session or one quick phone call.

Simply call the claims line on 1300 467 872 and a friendly, professional consultant will guide you through the quick, easy claims process. Alternatively, you can submit an online claim form – find out more here.

Most home and contents insurance claims can be processed over the phone. In some more complicated cases your insurer may have to arrange for an assessor to visit your house to inspect the damage, and help you to coordinate repairs and replacements. Either way, your claim will be dealt with as quickly as possible.

Buying home and contents covers in a single policy is the easy way to get peace of mind – and with a discount of up to 10% for buying these covers together1, you could save on your premium.

If you choose Classic or Prestige Home Insurance there are also a number of options for you to choose from, which will change the premium you pay. These include cover for flood (which is subject to eligibility) and cover for portable contents that you carry with you away from home (available only with contents cover).

There will be a number of differences between Allianz home and contents insurance and the home and contents insurance policies offered by other insurers. Make sure that you read the Product Disclosure Statement for the standard terms, conditions, limits and exclusions of cover before you buy any insurance, so that you know exactly what is and isn’t covered.

Some great benefits of Allianz home and contents insurance include:

  1. A choice of optional extras, so you can tailor the policy to your needs
  2. A variable excess feature (allowing you to increase your excess to save money on your premiums1)
  3. The option to pay your premiums monthly, at no extra cost (premiums payable by instalments may be subject to minor adjustments due to rounding and financial institution transaction fees may apply)
  4. A quick and simple paperless application process

Home and contents insurance premiums are calculated on the basis of the risk you present to the insurer.

Risk is affected by a number of factors, such as:

  • the location of your home
  • the value of your home and possessions
  • the material your home is constructed from
  • the security devices you have installed to protect your home
  • how your home is occupied
  • the frequency of claims made by you or by previous owners of your home

Your premium will also depend on the amount you wish to insure, the level of cover you choose and any optional extras you add to your policy.

Before you buy home and/or contents insurance, you have a duty of disclosure to tell the insurer anything you know and that a reasonable person in the circumstances would include in their answer to any questions the insurer asks that are relevant to their decision to insure you and on what terms. This duty applies until the insurer agrees to insure you. If you don’t comply, the insurer may cancel your contract, reduce the amount payable for a claim, or both. If your failure is fraudulent, the insurer can refuse a claim and treat the contract as if it never existed.

The home and contents insurance products we offer are underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL No 234708 (Allianz).

Allianz is an Australian Insurer authorised to conduct insurance business in Australia by the Australian Prudential Regulatory Authority (APRA).

Allianz is a member of the Insurance Council of Australia and subscribes to the General Insurance Code of Practice.

1 Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for optional covers, including flood (where applicable).

Have a question that you'd like us to answer?

1300 Insurance Pty Ltd ABN 50 124 845 727 AR Number 327609 is authorised to refer you to the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz) and to provide written general advice on these insurances as the insurer’s agent. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available here. If you purchase this insurance, we will receive a commission that is a percentage of the premium. We will also receive a percentage of the profit which exceeds the profit threshold on Home (excluding flood), Landlord (excluding flood), Motor, Caravan and Trailer and Commercial policies referred by us to Allianz (or renewed with Allianz) in each calendar year, provided that the relevant premium threshold is met. From 1 September 2018, we will also receive an annual marketing allowance from Allianz for promoting its products. This is calculated as a percentage of the premium on Home, Landlord, Motor, Caravan and Trailer and Commercial policies referred by us to Allianz in the previous 12-month period. Ask us for more details before we provide you with services.