This information is for customers who buy a new policy. Our policies have changed over the years, so your cover may differ based on when you first purchased it. Visit our policy page for more information.
Optional Motor Burnout cover
Home Insurance with optional cover for your household appliances
Why choose us?
Cover for your household motors
Minimise the impact on your wallet to fix or replace motors in your household appliances.
Electrical appliance breakdowns covered
Cover for your household appliances for electric motor burnout or fusion damage.
24/7 claims process
You can make a Home Insurance claim when it’s convenient for you.
What does Motor Burnout cover?
Our optional Motor Burnout cover can help with the unexpected costs caused by electric motor burnout, also known as fusion damage. You can choose to add it to your Allianz Home, Renter or Landlord Insurance policies.
Most household appliances, such as fridges and air conditioners, use electric motors. Changes to the electric current powering the motor, like a power surge, can cause the wiring or motor to ‘burn out’. If this happens, the appliance breaks down, leaving you with the costs to repair or replace it.
Below is a snapshot of some of our product features, benefits, and exclusions. For the full list of product inclusions and exclusions, we recommend reading the relevant Product Disclosure Statement (PDS).
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What's covered
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What's not covered
What's covered
What's not covered
This is a summary only of some of the features and benefits available on Allianz Home, Renter and Landlord Insurance, as well as some of the exclusions. Before deciding on a policy, carefully consider the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the standard terms, conditions, limits and exclusions.
How to add Motor Burnout cover to your policy
You can select the Motor Burnout option when you get a quote for Allianz Home, Renter or Landlord Insurance.
If you already have Allianz Home, Renter or Landlord Insurance, you can pay extra to add Motor Burnout to your policy. Log in to My Allianz or call our team to update your policy.
Frequently asked questions
It can help you manage the unexpected costs that result from appliance breakdowns due to an electrical current. When a motor burns out, it can be expensive to repair or replace, potentially leaving you with a hefty bill.
By adding optional Motor Burnout cover to your policy you can help avoid unexpected expenses.
You’d need Motor Burnout cover if, for example, your washing machine stops mid-cycle due to a burnt-out motor. Here are a few situations where Motor Burnout cover can be useful:
- Electrical power surges: if the electricity supply to your appliances suddenly increases and harms their motors.
- Power fluctuations: if the electricity supply often goes up and down where you live.
- Expensive appliances: if your appliances are expensive to replace, Motor Burnout cover can be a good idea. It helps you avoid paying for unexpected repairs or replacements to the motor that could strain your budget.
Remember to read the relevant PDS to understand when and how Motor Burnout cover applies.
You can add Motor Burnout cover to your Home Insurance, Renter Insurance, or Landlord Insurance, for an extra cost. This will depend on the cost of your insurance, called your premium, and the excess you choose.1
It’s the same as motor burnout. Motor fusion and motor burnout happen when an electrical motor burns out due to an electrical current issue. This could be a power surge or short circuit. The motor stops working, causing the appliance to break down.
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*Conditions apply
- Option to change your excess
Home Insurance or Renter Insurance: 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 available and selected). Any reduction in premium applies to buildings and/or contents (as applicable) and all optional covers except to optional Portable contents cover (if available and selected) and doesn't apply to government taxes and charges, or to the Legal liability component of the premium. Minimum premiums may apply.
Landlord Insurance: Not available with respect to any additional compulsory excess, any imposed excess applied to the policy, or to the Rent default by tenant excess (if Rent default by tenant is available and selected). Any reduction in premium applies to buildings and contents and all optional covers except to optional Rent default by tenant (if available and selected) and doesn't apply to government taxes and charges, or to the Legal liability component of the premium. Minimum premiums may apply.
Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.
Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.
Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.