Online discounts - Car insurance
Any online discounts offered are applied to our standard rates, but excluding all other optional covers. A reduced online discount may apply on renewal. For Car Insurance, the online discount only applies to new Comprehensive Car Insurance policies and does not apply to Third Party Fire & Theft policies and Third Party Property Damage policies. Promotional or other discounts may apply from time to time for customers who apply for insurance via our Contact Centre.

Car Insurance discounts
Safe Driver Benefits apply to Comprehensive Allianz Car Insurance policies only. Eligibility conditions in relation to all drivers apply.

Minimum premiums may apply
Any discounts/entitlements may be subject to rounding and 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. Discounts may not be applied to the premium for optional covers.

Discounts do not apply to taxes or government charges

Car Insurance - Named Driver
If this applies, an excess of $2,500 will apply if the vehicle is driven by an unnamed driver. The excess, if payable, replaces all other excesses which otherwise would have applied to the unnamed driver. It is not in addition to other excesses.

Discounts- Home Insurance

A premium discount of up to 10% is applied to your first years premium when you buy a new home insurance policy online including the following optional covers (if selected); Accidental damage, Flood, Motor burnout and Portable contents. A reduced online discount may apply on renewal if you originally bought a new policy online

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 where you have selected these covers, but not Flood or Portable contents cover.

Up to 30% No Claim Bonus

When you take out a new policy, we calculate your No Claims Bonus based on you home 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. However, customers who have had claims may still qualify for a reduced No Claim Bonus.

After each claim-free year, the No Claim Bonus discount applied to your renewal premium will be increased by 10%, to a maximum of 30%. However, for every claim you make in a year, the No Claim Bonus discount applied to your renewal premium will be reduced by 10% - to a minimum of 0%. The No Claim Bonus discount is applied to some optional covers if selected; Motor burnout and Accidental damage, but not Flood or Portable contents cover

Minimum premiums may apply
If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means the effect of applying any 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.
No discounts are applied to optional cover; Domestic Workers Compensation (if available and selected).
Any discounts/entitlements may be subject to rounding and only apply to the extent that any minimum premium is not reached. Minimum premiums may apply.

Portable contents
The Portable contents option is available for Contents cover. It covers you for loss or damage to your Portable contents caused by theft or an accident anywhere in the world. Cover outside Australia is limited to 120 continuous days in any period of insurance.

Travel Insurance
Insurance is underwritten by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFSL 234708 and issued and managed by AWP Allianz Worldwide Partners Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance as an agent of Allianz. If you purchase this insurance, Allianz Global Assistance is remunerated by Allianz for providing services on behalf of Allianz. This is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

Life Insurance
Issued by Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFSL 296559. 1. A policy must include Life cover, and you can also choose to apply for Critical Illness cover and/or Permanently Unable to Work cover. Maximum cover amounts apply and are dependent on your age at the time of application. The cover amount of Critical Illness cover and Permanently Unable to Work cover cannot exceed the Life cover amount. The minimum cover amount is $50,000 for Critical Illness cover and $100,000 for Life cover and Permanently Unable to Work cover. The maximum total amount you can be paid under a policy with more than one type of cover is the Life cover amount before any other benefits have been paid. Payment of all or part of a benefit reduces the cover amounts of all remaining benefits. Please refer to the Product Disclosure Statement ‘How much cover can I apply for?’, ‘Taking a combination of cover’ and ‘Maximum benefits payable’ sections for more details on limits on cover amounts.

Boat Insurance
Issued by Club Marine Limited ABN 12 007 588 347 AFSL 236916 as agent of the insurer Allianz Australia Insurance Limited.

Pet Insurance
Petplan Australasia Pty Ltd ABN 64 069 468 542 AFSL 245663 is the sole administrator of the policy and acts under a binder for Allianz Australia Insurance Limited who underwrites the Petplan products.

Small Business Insurance discounts
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.