Insurance

Do what you reasonably can to prevent any 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 651 777 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 us for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred to the amount we would have authorised had you asked us first.

Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 13 25 85 to find out whether you are eligible for Flood cover. For full details of terms, conditions, limits and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement any supplementary PDS and Landlord Buildings or Landlord Contents Key Fact Sheets.

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 provide 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, we offer a Home and Contents product that has been specifically designed for homeowners or renters.

For more information on Home and Contents insurance, please visit the product page.

Do what you reasonably can to prevent any 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 651 777 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 us for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred to the amount we would have authorised had you asked us first.

Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 13 25 85 to find out whether you are eligible for Flood cover. For full details of terms, conditions, limits and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement any supplementary PDS and Home Buildings or Home Contents Key Fact Sheets.

If you are altering the security on your property you should inform us 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 the information as soon as reasonably possible, Allianz may reduce or refuse a claim in whole or in part under the policy to the extent we are prejudiced by the delay or 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 we can’t reach an agreement with you on altered terms and conditions or premium, or we 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.

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 we 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 we can’t reach an agreement with you on altered terms and conditions or premium; or we 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 us 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 we are prejudiced by the delay or the non-disclosure

When we receive this information, we 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 we can’t reach an agreement with you on altered terms and conditions.

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 us so we 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, Beyond Bank Buildings and Contents Insurance 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.

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 us that a driver using your car is in possession of an overseas licence, however it is important to let us 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.

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.

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

We 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.

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.

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.

Unless we 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 we may apply and when we apply them, please refer to your policy schedule and the relevant PDS and PED guide.

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.

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.

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.

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Beyond Bank Australia Ltd ABN 15 087 651 143 AFSL/Australian Credit License 237 856 ('Beyond Bank') arranges travel insurance as agent of AWP Australia Pty Ltd ABN 52 097 227 177 AFSL No. 24563.

All other general insurance is arranged as agent of Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No 234708 (Allianz).

Neither we nor any of our related companies guarantee the benefits payable under the policies or the repayment of any premium. PremierCare® is a registered trade mark of Beyond Bank Australia.

When we arrange insurance, we may receive a commission from the insurer. The commission is calculated as a percentage of the premium you pay, not including any taxes or other government charges. The amount of commission varies depending on the type of insurance and will be in the range of 0% to 30%. Commission is only payable on premium actually paid. We may also receive a profit share payment based on the profitability of eligible products in our insurance portfolio. Ask us for more details before we provide you with the services.

Any advice here does not take into account your objectives, financial situation or needs, which you should consider before acting on any of our recommendations. All information regarding the benefits, features or extent of cover provided by any of the policies is provided as a summary only. You should refer to the relevant Product Disclosure Statement (“PDS”) for the full policy terms, conditions, exclusions and limitations. The PDS can be reviewed from this website or you can call us on 13 25 85 and request a copy. If you obtain or purchase insurance through our website you also agree to have received our Financial Services Guide (FSG) which is available from this website. 

Beyond Bank Australia Ltd ABN 15 087 651 143 AFSL/ Australian Credit Licence 237856 is an agent for Allianz Australia Insurance Limited (ABN 15 000 122 850) of Level 12, 2 Market Street, Sydney, NSW, 2000, telephone number 132 664.

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