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) 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 or Landlord Contents 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 or Landlord Product Disclosure Statement (PDS), any applicable supplementary PDS and Home Buildings, Home Contents, Landlord Buildings or Landlord Contents key fact sheet/s also available for reference.
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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. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the product disclosure statement available at https://raywhiteinsurance.com.au. If you purchase this insurance, we will receive a commission that is a percentage of the premium. We may receive from Allianz, a percentage of the profit which exceeds the agreed profit threshold for Home and Landlord (excluding flood), Motor and Caravan policies arranged by us or renewed with Allianz in each calendar year, provided that the agreed premium threshold is met. Allianz also reimburses us for marketing costs we incur to promote its products, which is capped at a percentage of the premium earned on all policies arranged by us with Allianz in the prior calendar year. Ask us for more details before we provide you with services.
The Financial Services Guide - Ray White Insurance can be viewed here.
1. Online Discount
When you buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium, including for the following optional covers (if selected): Accidental damage, Flood, Motor Burnout and Portable Contents. The 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 year’s premium including the optional cover Flood. This discount is not applied on renewal.
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.
3. No Claim Bonus
When you take out a new policy, we calculate your No Claim Bonus based on your home or landlords (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 five 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.
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.
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.
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.