Allianz Home Health Check

1. These Terms and Conditions describe the terms of the Allianz Home Health Check.
2. We have tried to make this document simple and easy for you to understand, while also clearly describing the Terms and Conditions of the Allianz Home Health Check. You will notice that some words are capitalised. These words are defined in the “ Definitions” section. Headings and subheadings are provided for convenience only and do not affect your entitlements in any way.
3. The Allianz Home Health Check is designed to help you look after your most important asset, your Home. Insurance doesn’t cover maintenance issues or wear and tear, so it is advisable to rectify any issues and prevent loss or damage.
4. The Allianz Home Health Check is not a contract of insurance. The Allianz Home Health Check, provided under these Terms and Conditions, provides some assistance for certain specified events, but this service is not intended to be:

• a replacement for home or landlord building insurance;
• a replacement for your own home or landlord building maintenance;
• an emergency rescue service; or
• a disaster recovery response service.

The Allianz Home Health Check will entitle you to the services as described in these Terms and Conditions.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) provides the Allianz Home Health Check. Allianz has partnered with AWP Australia Pty Ltd ABN 52 097 227 177 trading as Allianz Global Assistance (AGA) to provide services under these Terms and Conditions. Allianz is the insurer of your Home or Landlord Insurance product.

From time to time, your Home may benefit from certain routine Allianz Home Health Check services. This service is designed to help you look after your Home and identify certain maintenance issues.

Where repair work is required beyond what is included in the services listed in the table below, we can work with our Service Providers to provide you with a quote for the repair work. You must pay the Service Provider directly for services beyond the Allianz Home Health Check or these Terms and Conditions.

You can also arrange your own tradesperson to provide the repair work at your cost.

• Inspection of flexi-hoses where visible for wear and tear, rust or leaks
• Arrange replacement of flexi-hoses if requested by you
• Inspect taps and fittings for leaks, drips or loose fixtures
• Test water pressure
• Inspect ceilings and/walls for cracks, water stains, bubbling paint or sagging
• Inspect shower for mould, grout or silicone damage or leaks
• Inspect bathtubs for mould, grout or silicone damage or leaks
• Inspect ventilation systems (filters, exhaust fans) to make sure they’re functioning properly
• Check if your Home has smoke alarms and fire equipment
• Inspect any debris or vegetation near your home that could pose a fire or storm risk
• Inspect exterior of your Home for cracks, peeling paint or damage
• Inspect for any damaged seals or signs of water ingress to any windows or doors
• Inspect windows for any cracks or smashed glass
• Inspect any damaged eaves or gutters from the ground level of your Home
• Inspect hot water system to ascertain if it is showing obvious signs of damage, rust or leaks
• Check barbeque for excessive build-up of fat and grease
• Check for any security monitoring devices (cameras, motion detectors)
• Inspect external facing doors and locks (deadlocks installed or not)
• Check security level of windows (screen type and bars on windows)
• Check solar panels from the ground level of your Home
• Inspect ground drainage around your Home including floor grates, and make sure that downpipes have inspection points
• Inspect electrical switches and outlets for obvious signs of damage
• Fix any minor issues if the Allianz Home Safety Specialist has the necessary skillset and equipment
• If requested by you, recommend a tradesperson to fix maintenance issues identified during an Allianz Home Health Check at your cost

The following limits apply to the Allianz Home Health Check:

We will arrange for an Allianz Home Safety Specialist to attend your Home and take reasonable and practicable steps to:

• identify any clear maintenance issues; and
• fix any minor areas of improvement if the Allianz Home Safety Specialist has the necessary skillset and equipment, such as minor unblocking of drains.

We will make an Allianz Home Safety Specialist available for up to 90 minutes. This includes the maintenance check and labour provided by the Allianz Home Safety Specialist. We will not provide more than one Allianz Home Health Check during your Policy Period.

A member of our team will assist in connecting you with an appropriate Service Provider at your request if any issues are identified. Any services arranged will be at your cost.

To be eligible for the Allianz Home Health Check, you must have a current:

• Allianz Home Building Insurance policy;
• Allianz Home Building and Contents Insurance policy;
• Allianz Landlord Building Insurance policy; or
• Allianz Landlord Building and Contents Insurance policy.

If you are not the owner, you must be 18 years or older and have written authority from the owner of your Home to receive the Allianz Home Health Check and to undertake any required maintenance identified in relation to your Home. The customer is also referred to in these Terms and Conditions as ‘you’ or 'your'.

You may cancel a home inspection by calling us on 1800 657 818 between 9 AM and 5 PM Monday to Friday. We need at least one Business Day’s notice before your Allianz Home Health Check is due to occur. If you cancel with at least one Business Day’s notice, you can reschedule your Allianz Home Health Check or request a refund of your booking fee if you paid for your Allianz Home Health Check.

If you do not give us at least one Business Day’s notice of cancellation before your Allianz Home Health Check is due to occur, or you or your nominated representative are not present at your Home at the scheduled time, you agree that we may retain your booking fee if you paid for your Allianz Home Health Check as a late cancellation payment. You agree we may keep this fee as a late cancellation payment and that we won’t provide your Allianz Home Health Check.

If no one is present at the agreed appointment time for a tradesperson to replace flexi-hoses, you will need to pay any costs. We will not be able to replace your flexi-hose.

When you make a booking for the Allianz Home Health Check, you:

1. confirm you accept these Terms and Conditions; 
2. consent to the Allianz Home Safety Specialist entering your Home at the agreed appointment time to supply the goods and services. If you are a landlord customer, you will need to organise access to the property with the real estate agent or tenant in order for our Home Safety Specialist to attend and conduct the Home Health Check; and 
3. take full ownership and responsibility of any goods installed.

For our Allianz Home Safety Specialist to provide this service:

1. We will contact you to make a booking for the Allianz Home Health Check. If required, we may also contact you to arrange for a licensed plumber to attend for flexi-hose replacement, or to coordinate other trades, where requested. You or an adult who is your authorised representative must be present to supervise the services provided;
2. You must tell Allianz when the booking is being made and before the Allianz Home Safety Specialist enters your Home of any potential risks or hazards that could cause death, serious injury or illness, or expose someone to a serious risk, including but not limited to dangerous animals, electrical hazards, wiring issues and unsafe flooring; and
3. You must sign the completion of work form provided confirming attendance of the Allianz Home Safety Specialist. This document will include details of any services you requested. If you are a landlord customer, we may require a signature from your authorised representative.

Allianz Home Health Check means those services listed in the table in the section “When can we help?” and marked as ‘included’.

Allianz Home Safety Specialist is the specialist who will provide the Allianz Home Health Check to you.

Business day means Monday to Friday between 9am and 5pm, excluding Saturday and Sunday and any public holidays.

Home refers to the main dwelling stated on your eligible Allianz Home Insurance policy or Landlord Insurance policy schedule.

Policy Period means the time that your Allianz Home Insurance policy or Landlord Insurance policy is active, between the policy commencement date and expiration date.

Service Provider is a qualified person recommended by us to provide inspection and maintenance activities identified and deemed necessary as a result of the Allianz Home Health Check, including but not limited to a plumber, electrician, gas specialist, locksmith, roofer or heating specialist.

Terms and Conditions refer to the terms and conditions of the Allianz Home Health Check, as set out in this document.

In this section, we provide definitions of the services that may be provided as part of your Allianz Home Health Check.

Inspection of flexi-hoses where visible for wear and tear, rust or leaks. We will inspect flexi-hoses located in the bathroom, kitchen and laundry.

Arrange replacement of flexi-hoses if requested by you. We will arrange for a licensed plumber to replace any flexi-hoses that show signs of rust or deterioration as identified by our Allianz Home Safety Specialist during your Allianz Home Health Check. There is a limit of $300 (incl. GST) for parts and labour. If the replacement of flexi-hoses exceeds the $300 limit, we can arrange if requested by you for the additional replacement work to be performed using our trade network. You will need to pay the trade provider directly for the additional replacement work. We cannot accept payment via third parties.

Inspect taps and fittings for leaks, drips or loose fixtures. We will inspect tap fittings where possible and, if we have appropriate material, we will replace washers to fix leaking taps when requested and we have your consent.

Test water pressure. By measuring the force exerted by water within your Home’s plumbing system, we will determine if the water pressure is within acceptable limits for the system’s design and functionality. This can identify issues such as leaks or blockages.

Inspect ceilings and/or walls for cracks, water stains, bubbling paint or sagging. We will inspect ceilings and walls around your Home and search for cracking, water stains, and bubbling paint which may indicate water damage or structural issues. 

Inspect shower for mould, grout or silicone damage or leaks. We will inspect your shower for mould or grout damage.

Inspect bathtubs for mould, grout or silicone damage or leaks. We will inspect your bathtubs for mould or grout damage.

Inspect ventilation systems (filters, exhaust fans) to make sure they are functioning properly. We will inspect the bathroom and check the ventilation systems from a ground level to check they are working as expected. 

Check if your Home has smoke alarms and fire equipment. We will inspect your Home to see if smoke alarms and fire safety equipment are present.

Inspect any debris or vegetation near your Home that could pose a fire or storm risk. We will inspect your Home for any nearby debris or vegetation that could pose a fire threat to your Home.

Inspect exterior of your Home for cracks, peeling paint or damage. We will inspect the exterior of your Home from ground level for any cracks, peeling paint or damage.

Inspect for any damaged seals or signs of water ingress to any windows or doors. We will inspect door and window seals to check if any water is entering your Home.

Inspect windows for any cracks or smashed glass. We will inspect windows for any cracks or breakage that allow wind or water to enter your Home.

Inspect any damaged eaves or gutters from the ground level of your Home. We will inspect eaves and gutters of your Home for any obvious deterioration or damage using a pole mounted device.

Inspect hot water system to ascertain if it is showing obvious signs of damage, rust or leaks. We will inspect the hot water system to identify if there are any visible signs of damage, rust or leaks. We will not check the internal system.

Check barbecue for excessive build-up of fat and grease. We will check the barbeque area for cleanliness which may pose a fire risk. We will not perform any licensed plumbing or gas fitting work.

Check for any security monitoring devices (cameras, motion detectors). We will inspect for security systems and devices to improve home security. 

Inspect external facing door locks (deadlocks installed or not). We will inspect for presence of deadlocks which may improve home security.

Check security level of windows (screen type and bars on windows). We will inspect windows for improved home security.

Check solar panels from the ground level of your Home. We will inspect the condition of the panels from the ground level of your Home. We will not perform any licensed electrical work.

Inspect ground drainage around your Home including floor grates, and make sure that downpipes have inspection points. We will inspect to reduce the impact of water overflow and storm damage to your Home.

Inspect electrical switches and outlets for obvious signs of damage. We will inspect electrical switches and outlets for obvious signs of damage. We will not perform any licensed electrical work.

Fix any minor issues if the Allianz Home Safety Specialist has the necessary skillset and equipment. Our Allianz Home Safety Specialist will undertake minor Home repairs where possible, such as replace a worn or damaged tap washer.

If requested by you, we can recommend a tradesperson to fix maintenance issues identified during an Allianz Home Health Check at your cost. You are responsible for any trades services provided beyond what is included in the Allianz Home Health Check, including payment of all fees.

Once you’ve registered online for the Allianz Home Health Check, a member of our team will contact you to schedule a home inspection with an Allianz Home Safety Specialist.

We will not provide the Allianz Home Health Check in relation to or arising from:

Damage to the structural or supporting details of your Home, such as beams, joists, trusses and rafters or major damage to roofing, wall cladding or glazing.

Damage to your Home due to a construction error or incorrect installation.

Damage to, or repairs or maintenance for: 

1. home appliances such as fridges, ovens, washing machines, dryers, and hot water systems; or
2. home contents such as furniture and furnishings, electrical and electronic goods.

Any services not included in the table above under the heading “What is included”.

Any work that cannot be performed by our Allianz Home Safety Specialists or Service Providers safely, including where the work is at a height of two metres or more.

Portable, temporary, or non-fixed dwellings, buildings, or structures, such as caravans, trailers, campervans, recreational or other vehicles, properties under construction or renovation. Also excluded are damaged internal doors, shower screens, and fly screens and breakdown, loss or damage to appliances and other mechanical equipment.

Intentional, fraudulent, or negligent acts of damage to your Home and their consequences. Includes loss, or damage relating to the attempted repair by you or anyone acting on your behalf.

This service does not apply where you or anyone who lives with you or someone who occupies the home with your consent is engaged in illegal or criminal activity.

Damage on walls, gates, hedges, fences, awnings, outbuildings, sheds, detached garages, garden appliances, sprinkler or watering systems or anything outside the boundary of your Home. Also excluded are failure of home security alarms or systems, CCTV and any installations which are the responsibility of a multi-occupancy building or of a water, gas, or power provider. We do not service garages or outbuildings that cannot be accessed by an internal door from the Home.

We will not reimburse or pay for any goods or services except as specified in these terms and conditions.

Any goods and services supplied come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures of the service, You are entitled to cancel Your service contract with us.

You are also entitled to choose a refund where you have made payment for the goods or service or replacement for major failures with goods.

If a failure with the goods or a service does not amount to a major failure, You are entitled to have the failure rectified within a reasonable time. If this is not done, You are entitled to a refund where You have made payment for the goods or service and cancel the contract for the service and obtain a refund of any unused portion (if applicable).

You are also entitled to be compensated for any other reasonably foreseeable loss or damage from a failure with the goods or service.

Without limiting the warranties implied by the Australian Consumer Law, We represent and warrant to You that:

• We will provide the goods or services in compliance with the law and with applicable industry standards;
• the goods or services will be fit for the purpose required by you;
• We will use parts, materials and other goods which are of acceptable quality and are fit for the intended purpose required by you, and which meet or exceed the current industry standards; and
• We will perform the services in a proper and workmanlike manner, with a reasonable standard of care.

The Allianz Home Health Check cannot be transferred or assigned to another person, or to another property you own.

If you are dissatisfied with the Allianz Home Health Check in any way, please contact us and we will attempt to resolve the matter for you. You can contact us to make a complaint. You can email Allianz Global Assistance or call 1800 657 818.

We recognise that you may find yourself in difficult circumstances. We have developed a customer care process to provide additional support to you if you are experiencing vulnerability due to your circumstances, including circumstances that are not directly related to this service. More information about the customer care we can offer and how we support you is on our website.

In agreeing to these terms and conditions, you also consent to Allianz providing your data to AGA, limited to what is required for the effective performance of the Allianz Home Health Check. This includes any Service Providers AGA engages on your behalf for the performance of agreed services. We may use your data to assist with fraud investigations and provide to third party providers such as the police. We may also use data to improve this service.

We will not use any data of this inspection to make any direct underwriting decisions or as a rating factor that will negatively impact your premium or cover as a direct result of this service. We will not use the data collected during the assessment of claim; however, you are able to use this as evidence if you wish.

This document sets out how we use, collect and disclose personal information about you. You can find more information in our Privacy Policy.

There will be circumstances where AGA will be required to handle your personal information in the provision of the Allianz Home Health Check. You can find out more information in the AGA Privacy Policy available on the Allianz Partners website.

At Allianz, we give priority to protecting the privacy of Your personal information. We do this by handling personal information in a responsible manner and in accordance with the Privacy Act 1988 (Cth).

We usually collect your personal information from You or Your agents. We may also collect it from our agents and service providers; other insurers and insurance reference bureaus; people who are involved in a claim or assist us in investigating or processing claims, including third parties claiming under your policy, witnesses and medical practitioners; third parties who may be arranging insurance cover for a group that You are a part of; law enforcement, dispute resolution, statutory and regulatory bodies; marketing lists and industry databases; and publicly available sources. 

We collect your personal information to enable us to provide our products and services, make offers of products and services provided by us, our related companies, brokers, intermediaries, business partners and others that we have an association with that may interest you; and conduct market or customer research to determine those products or services that may suit you.

You can choose not to receive product or service offerings from us or our related companies. This includes product or service offerings from us on behalf of our brokers, intermediaries and our business partners. You can do so by calling the Allianz Direct Marketing Privacy Service Line on 1300 360 529, EST 8 AM to 6 PM Monday to Friday, or going to our website’s privacy section. If you do not provide your personal information we require, we may not be able to provide you with our services.

Who we disclose your personal information to we may disclose your personal information to others with whom we have business arrangements for the purposes listed in the paragraph above or to enable them to offer their products and services to you. These parties may include insurers, intermediaries, reinsurers, insurance reference bureaus, related companies, our advisers, persons involved in claims, external claims data collectors and verifiers, parties that we have an insurance scheme in place with under which you purchased your policy (such as a financier or motor vehicle manufacturer or dealer). Disclosure may also be made to government, law enforcement, dispute resolution, statutory or regulatory bodies, or as required by law.

Your personal information may be disclosed to other companies in the Allianz Group, business partners, reinsurers and service providers that may be located in Australia or overseas. The countries this information may be disclosed to will vary from time to time, but may include Canada, Germany, New Zealand, United Kingdom, United States of America, and other countries where the Allianz Group has a presence or engages subcontractors.

We regularly review the security of our systems used for sending personal information overseas. Any information disclosed may only be used for the purposes of collection detailed above and system administration.

You may ask for access to the personal information We hold about you and seek correction by calling 1300 360 529 EST 8 AM to 6 PM, Monday to Friday. 

Our Privacy Policy contains details about how you may make a complaint about a breach of the privacy principles contained in the Privacy Act 1988 (Cth) and how We deal with complaints.

By providing Us with personal information, You and any other person You provide personal information for consent to these uses and disclosures until You tell Us otherwise. If You wish to withdraw Your consent, including for such things as receiving information on products and offers by Us or persons We have an association with, contact us.