Insure your house, the things inside it, your portable contents or your investment property. With products and options to tailor your cover, you can select the right product for you.
This is a limited summary of cover only. For full details of the terms and conditions, limits and exclusions about our home insurances, please refer to the relevant Home and/or Landlord Insurance Product Disclosure Statement (PDS), Motor Product Disclosure Statement (PDS), Caravan & Trailer Product Disclosure Statement (PDS) and any applicable supplementary PDS before making a decision to purchase the insurance. To see some of the events covered and not covered please refer to the Home Buildings, Home Contents, Landlord Buildings, Landlord Contents, Motor or Caravan & Trailer Key Fact Sheets (KFS).
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 and/or Landlord Insurance Product Disclosure Statement (PDS), Motor Product Disclosure Statement (PDS), Caravan & Trailer Product Disclosure Statement (PDS), any applicable supplementary PDS and Home Buildings, Home Contents, Landlord Buildings, Landlord Contents, Motor or Caravan & Trailer Key Fact Sheets (KFS) also available for reference.
#By proceeding with a quote you agree to receive our Financial Services Guide from this website.
Concierge Group Holdings Pty Ltd ABN 95 105 230 046 AR 267687 trading as Ray White Concierge and Ray White Insurance arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. 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 product disclosure statement and key fact sheets available at https://raywhiteinsurance.com.au. The relevant Target Market Determination is available by calling 1300 658 390. 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.
The Financial Services Guide - Ray White Insurance can be viewed here.
* Insurance is issued by Allianz Australia Insurance Limited AFS Licence No. 234708 (ABN 15 000 122 850). Interim Cover is subject to the terms and conditions here and the Ray White Home and Contents Insurance Product Disclosure Statement (PDS), however excludes Domestic Workers’ Compensation, Accidental Damage and Portable Contents. An additional Excess of $1,000 applies to each claim under the policy. Buildings cover will not exceed the sum of $750,000 and fixed contents is limited fixed carpets, curtains or internal blind up to $10,000. Interim Cover is only available for residential properties subject to an exchanged contract of sale. No Buildings cover is provided for strata, company or community titled properties. The 30 day period of cover commences upon activation and may end earlier as set out in the terms and conditions.
1. Save up to 10% on your first year's premium when you quote and buy a new home or landlord insurance policy online.
When you both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year;s premium. This discount is not applied to Domestic workers' compensation (if available and selected), or upon renewal. Minimum premiums apply.
When you both quote and buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year's premium. This discount is not applied to Landlord workers' compensation (if available and selected), or upon renewal. Minimum premiums may apply.
2. Combined
A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home and Contents Insurance policy, including the optional covers (if selected): Motor Burnout and Accidental Damage cover. The combined discount doesn't apply to any flood component of the premium (where covered) or to the optional Portable contents (if selected) and Domestic workers' compensation (if available and selected). Minimum premiums may apply.
3. No Claim 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 up to 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding 5 years. 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. We won't apply the full percentage of the No Claim Bonus if it results in you paying less than the minimum premium.
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4. Minimum premiums
Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they're applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount.
Discounts do not apply to government taxes and charges.
Most discounts won't apply below the minimum amount payable for the policy.
5. Option to change your excess
Not available with respect to any additional compulsory excess, any imposed excess applied to the policy, or to the Portable contents excess (if Portable Contents is selected). Any reduction in premium won't be applied to government taxes and charges, any flood component of the premium (where covered), or to the optional covers Portable contents (if selected) and Domestic Workers' compensation (if available and selected). Minimum premiums may apply.
Not available with respect to any additional compulsory excess, or to any imposed excess applied to the policy. Any reduction in premium won’t be applied to government taxes and charges, any flood component of the premium (where covered), or to Landlord’s workers compensation (if available and selected) and the Theft by tenant part of the optional cover Rent Default and Theft by Tenant (if selected). Minimum premiums may 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.
In certain circumstances we may agree with you to use another repairer than the one that you selected. We will act reasonably in doing so.
8.
We will extend your rental car or daily travel allowance period to the extent that we caused or contributed to the delay in repairing your vehicle.
9. 72 Hour exclusion period
We may not provide cover for any loss of or damage to your property caused by cyclone, grassfires and bushfires, and certain other insured events during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to the PDS for a full list of the insured events to which the 72 hour exclusion period applies and the relevant exceptions.