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Insurance when you need it most

Save time and effort by purchasing Allianz Insurance through IMB Bank.

Keep it simple – arrange your insurance and banking together with IMB Bank. Feel confident knowing you have insurance, when you need it most.

PLUS, when you purchase a new Allianz Home and Contents, Landlord or Comprehensive Motor Insurance policy by 31 July 2023 you’ll go into one of five monthly draws for the chance to WIN a $10,000 account top up.*


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Building and Contents Insurance

Get protection for your home buildings and your contents by combining buildings and contents covers on the one policy.

If you take both Building and Contents insurance here’s how they can work together if the unexpected occurs:

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.

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Policy Documents and Key Fact Sheets

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 or Landlord Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Buildings or Home Contents Key Fact Sheets also available for reference.


 

Home Insurance Calculators

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 (subject to the policy terms and conditions) - so you should also be careful not to over insure. That's why we've provided these calculators.

They work as guides to help you estimate the replacement value of your home building and contents.

 

Value my home

Value my contents



 



 

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Retrieve a quote

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*Competition open to Australian residents over the age of 18 who purchase a new Allianz Home and Contents, Landlord or Comprehensive Motor Insurance policy through IMB Bank from 1/03/2023 to 31/07/2023 (“Eligible Policy”). Each purchase of an Eligible Policy will automatically be entered into the relevant monthly draw. There will be one (1) draw conducted for the entries received each month of the Promotional Period (March-July 2023), for a total of 5 draws (each a “Monthly Draw”). Each Monthly Draw will take place at Anisimoff Legal, Suite 5, Erina Plaza, 210 Central Coast Highway, Erina NSW 2250. Entries in each Monthly Draw will NOT be entered into any subsequent Monthly Draw(s). Authorised under NSW Permit No: TP/02488, ACT Permit No: TP23/00316, SA Licence No: T23/235. Promotion terms and conditions available at imb.com.au/Allianz. Promoter is IMB Ltd.

IMB ABN 92 087 651 974. AFSL/Australian Credit Licence No. 237 391 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 relevant Product Disclosure Statement available from IMB Bank. The relevant Target Market Determination is available here. 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 buy a new home insurance policy online a discount of up to 10% is applied to your first years premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal. When you buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first years premium including the optional covers (If selected) Flood & Rent Default and Theft by Tenant. 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. A discount of up to 10% for combining Buildings and Contents covers on one policy is applied for Building and Contents. The combined policy discount does not apply to the optional covers (if selected) including Flood or Rent Default and Theft By Tenant.

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 5years. 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.

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.

5. Option to change your excess
Not available when an additional compulsory excess or imposed excess applies. 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 waiting period
We do not provide cover for any loss of or damage to your property caused by cyclone, grassfires and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy.

8. Earthquake excess
An additional imposed excess amount of $250 applies for each claim or loss or damage caused by an earthquake or tsunami, or a series of earthquake or tsunamis, during any period of 48 consecutive hours.