This information was published on 9 October 2018 and is subject to change.
ANZ Home Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545) (QBE). We recommend that you read the ANZ Financial Services Guide (PDF 479kB), ANZ Home Building Key Facts Sheet (PDF 133kB), ANZ Home Contents Key Facts Sheet (PDF 134kB) and the ANZ Home Insurance Product Disclosure Statement (PDF 1.3MB) (available by calling 13 16 14), before deciding whether to acquire, or to continue to hold, these products.
ANZ Income Protection covers two separate financial products – Income Cover is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238 341) and Involuntary Unemployment and Family Care Cover are issued by OnePath General Insurance Pty Limited (ABN 56 072 892 365, AFSL 288 160) (OnePath General). We recommend that you read the ANZ Financial Services Guide (PDF 479kB) and ANZ Income Protection Product Disclosure Statement and Policy Document (PDF 272kB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.
ANZ Life Insurance is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238 341). We recommend that you read the ANZ Financial Services Guide (PDF 479kB), ANZ Life Insurance Product Disclosure Statement and Policy Document (PDF 145kB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.
Although Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL 234527 distributes these products, ANZ does not guarantee the issuers or their products.
This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.
Discounts are applied in a present order and exclude any premium for Liability cover, Domestic Workers’ Compensation and are calculated before taxes and charges. Reference to insurance premium amounts for the purposes of calculating the applicable Breakfree Package benefits exclude any stamp duty, GST and other government fees, charges or levies components that are included in the total premium amount paid by you.
The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522, AFSL 234 527). Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ does not represent or guarantee that access to the ANZ App will be uninterrupted. Temporary service disruptions may occur. ANZ recommends that you read the ANZ App Terms and Conditions available at anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.
If your building is totally destroyed by an insurable event and your claim is accepted, we’ll choose to either rebuild or pay you the cash equivalent.Back to top
We do not cover loss or damage caused by a bushfire, flood or named cyclone that occurs within 48 hours of the start of your policy.Back to top
If your contents suffer loss or damage in an insured event, we’ll choose to either: repair or replace an item; or pay the cost of its replacement or repair. Subject to total sum insured and contents with specific limits e.g. limit of $1,000 applies for motor vehicle accessories and spare parts. Refer to the PDS for a full list of contents with specific limits.Back to top
We do not cover the cost to repair or replace an electric motor if it is older than 15 years old.Back to top
We’ll cover unintended and unexpected loss or damage at home for the cover you have chosen.Back to top
Contents cover for up to 120 consecutive days away from home. We’ll pay:
- up to the sum insured whilst in Australia or New Zealand
- the lesser of 25% of the sum insured or $15,000, whilst outside Australia and New Zealand.
Valuables that exceed $3,000 can be insured at a value selected by you. Valuable items include jewellery, watches, collectibles and items containing gold and silver.Back to top
Multi policy discount (MPD) is only available if you hold two or more of any of the following policies and are a named insured with the same name on each policy: ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance (Eligible Policies). For two Eligible Policies, the MPD is 10%; for three or more the MPD is 12.5%. The MPD is calculated as a percentage discount of the annual base premium per policy. If you already hold one or more Eligible Policies, the MPD is applied to the newest policy immediately, and for existing policies upon next renewal. If you do not hold any Eligible Policies with us and purchase multiple Eligible Policies simultaneously, no MPD is applied to the first policy, a 10% MPD is applied to the second, a 12.5% is applied to each policy thereafter, and the relevant MPD of 10% or 12.5% will be applied to all policies (including the first) on renewal. The MPD rate is subject to change.Back to top
Reference to insurance premium amounts for the purposes of calculating the applicable Breakfree Package benefits exclude any stamp duty, GST and other government fees, charges or levies components that are included in the total premium amount paid by you.Back to top
Discounts are calculated before taxes, stamp duty and government levies or charges.Back to top