1. For overseas policies only.

*Terms, conditions, limits and exclusions apply. Sub-limits apply to particular kinds of losses or claims. You do not have cover under certain sections while travelling in Australia. Please refer to the Product Disclosure Statement for full details.

2. Minimum premiums may apply. Any discounts/entitlements 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.‎

3. Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year's premium only (unless stated otherwise). From time to time, promotional or other discounts may be available for customers who apply for insurance via our Contact Centre. The online discount does not apply to Third Party Fire & Theft and Third Party Property Damage policies.

4. For each claim-free period of insurance, you will accumulate a discount off your motor vehicle insurance premium, up to a maximum amount. This maximum amount will vary according to the state or territory in which your vehicle is garaged/kept. Any no-claim bonus entitlement you hold with another insurance company is transferable. You may be required to provide documentary evidence of your current no-claim bonus entitlement.

5. Offer valid for new Beyond Bank Australia comprehensive car insurance policies. Not available for renewals of existing policies. 12 months roadside assistance membership is provided by AWP Assistance Australia Pty Ltd ABN 52 097 227 177, trading as Allianz Worldwide Partners. View Full terms and conditions.

6. Among the largest insurers based on market capitalisation.

Beyond Bank Australia a trading name of Community CPS 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).

In respect of life insurance, Beyond Bank refers you to the insurer Allianz Australia Life Insurance Limited (Allianz Life) ABN 27 076 033 782 AFSL 296559 as agent and authorised representative of Allianz Life. The financial services we provide on other financial products are provided under our own AFS Licence and not as agent of Allianz Life.  

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.