Terms of Use

The terms and conditions contained on this page and any conditions, notices, and disclaimers contained elsewhere on our Website (known collectively as the "Terms of Use") govern your access and use of the Allianz Website found at www.allianz.com.au and its sub-domains (including the Allianz branded quoting service accessible from this Website and at www.einsure.com.au, our customer self-service portal) ("our Website").

Your access and use of our Website is conditional upon your acceptance and compliance with the Terms of Use. Any insurance product you purchase online or via the call centre has its own terms and conditions that are found in the PDS (policy document) and any applicable Supplementary PDS.

For online purchases, consult the PDS and SPDS documents found on this Website. Contact Allianz for a copy of the relevant PDS and SPDS documents for purchases that are not made online.

Our Website and its contents (including all information, text, graphics, images, software, advertisements, and other material on our Website ("Content") are the property of Allianz Australia Limited (ABN 21 000 006 226) ("Allianz") and our licensors, and are subject to copyright under Australian law and through international treaties with other countries. 

You may use this Content for your personal reference only (not for any commercial or public use) and may download a single copy of the Content, keep a temporary copy in your computer's cache and make a single hard copy, provided you keep intact all copyright and other proprietary notices. No other use, copying, reproduction, publishing, storage in a retrieval system, alteration, or transmission in any form or by any means, in whole or part, of the Website or Content is permitted without Allianz prior written authorisation. 

All names, logos, and trademarks are the property of Allianz or the third parties who have contributed to our Website. Nothing on our Website should be construed as granting any licence or right to use any name, logo, or trademark without the express prior permission of Allianz or the relevant contributor.

The name of Allianz and its agents or any of the trademarks and other intellectual property belonging to Allianz or its agents may not be used commercially or in advertising or publicity or used to identify a link to our Website without the express prior written permission of Allianz, or except as set out in the "Linking to the Allianz Website and usage of the Allianz logo" page.

You must notify Allianz immediately if you become aware of any third party that is or may be infringing the intellectual property rights in our Website. You must give Allianz all assistance in relation to any infringement proceedings. Allianz has sole control of the defence and settlement of any infringement proceedings. Any recovery from infringement proceedings is the property of Allianz.

If a court or Allianz determines that our Website or Content have infringed or may infringe a third party's intellectual property rights, Allianz has the right to alter, delete or modify our Website or content in order to avoid continuing infringement.

The information contained within our Website and on any Allianz or Related Body Corporates' products and services is of a general nature only. Changes may occur in circumstances at any time, which may affect the accuracy or completeness of the information. So, while Allianz has taken all reasonable care in producing our Website, it accepts no responsibility for any loss, expense or liability that you may incur from using or relying on the contents, and you must not rely on any statement on our Website without taking specialist advice.

Any legal rights and obligations which Allianz and you may have will be contained in the terms and conditions of the contract and policy issued to you or available on our Website when you purchase your policy online. If a court or Allianz determines that our Website or Content have infringed or may infringe a third party's intellectual property rights, Allianz has the right to alter, delete or modify our Website or content in order to avoid continuing infringement.

You agree that you have read the Allianz Website Privacy Statement and agree that those terms form part of the Terms of Use. You accept that if you transact online or provide your personal information via our Website that it will be dealt with in accordance with the Allianz Website Privacy Statement. All information and data provided by you will be handled in accordance with our Security Policy.

You must not use our Website in any way or for any purpose that is unlawful, or in any way that violates any right of Allianz, or that is prohibited by the Terms of Use. In particular, it’s a condition of your use or access, or both, that you agree that you will not: 

  1. Use any device, software or routine that will or may interfere with the working or functioning of our Website and will not post, publish, distribute or transmit any Content of any kind that contains a virus or other harmful component. 
  2. Make any unauthorised use of any materials or intellectual property found on our Website.
  3. Copy or provide to any other party any materials, Content or data found on our Website other than as set out in the Terms of Use. 
  4. Copy and use any materials, Content or data found on our Website for any other purpose than purchasing, endorsing or cancelling an Allianz product. 
  5. Use any method or means to copy, reproduce, republish, frame, post, upload, distribute, transmit, sublicense, delete or modify in any way all or any part of the Content on our Website, or monitor it in any way, unless expressly provided for in our Website or expressly authorised in writing by Allianz. 
  6. Intentionally do anything that overburdens the infrastructure of our Website. 
  7. Post, publish, distribute or transmit any unlawful, threatening, abusive, harassing, discriminatory, defamatory, obscene, vulgar, pornographic, profane or indecent Content of any kind, including without limitation any Content constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any applicable law or regulations. 
  8. Post, publish, distribute or transmit, or disseminate any Content of any kind that violates or infringes upon the rights of any other person, including Content which is an invasion of any privacy or publicity rights, or which is protected by copyright, trademark or any other proprietary right, without first obtaining permission from Allianz or relevant right holder. 
  9. Post, publish, distribute or transmit, or disseminate any unsolicited correspondence (including emails) or spamming via our Website. 
  10. Reverse engineer, reverse assemble, or otherwise attempt to identify the source code or other arithmetical formula for the infrastructure software or functions. 
  11. Restrict or inhibit any other user from using or enjoying our Website. 
Allianz has no obligation whatsoever to monitor any user's use of our Website or to edit, delete or refuse to post any Content. However, Allianz reserves the right to monitor your or any users, use of our Website and to edit, refuse to post or remove any Content whatsoever. Allianz reserves the right to cooperate fully with any law enforcement authority in any jurisdiction in respect of any lawful direction or request to disclose the identity or other information in respect of any user of our Website.

If Allianz provide the option to purchase any of their products or services via our Website, then it will be done via the following process: 

  1. You will manually enter the data requested for Allianz to provide an electronic quote based on the information you provide.
  2. Allianz will provide a quote for its products electronically and this will constitute Allianz offer to you. Allianz may save and retrieve any quote it issues.
  3. You may accept this offer by selecting the 'Buy Policy' button and providing valid information about the account or credit card that you will be using to pay for the product/service. The product or service, or both, you order must not be for commercial resale. Allianz will then receive an electronic message which it will then act upon to issue you with the product (in its discretion). Allianz reserves the right to reject any order it receives for any reason and orders are not binding on Allianz until acceptance. You will be bound by the Terms of Use operating at the time you placed your order.
  4. A binding contract will only come into place when Allianz receives your acceptance of the Allianz Offer, accepts the order by displaying a confirmation of payment on your screen, and also receives clear payment of the premium when a debit is made against the credit card or account nominated by you in the quote process.
  5. You should then receive a policy number. A binding contract is still in place even if you do not for some reason receive this policy number upon completion of the online transaction.
  6. You will receive confirmation of this transaction when Allianz send you a PDS (Policy Document) and Schedule.
  7. Contact Allianz on 13 1000 if you don't receive a Policy number or PDS (Policy Document) and Schedule.
  8. Allianz treats all electronic instructions received online as valid and authentic.
  9. All policies issued via this online facility is subject to all Allianz' usual underwriting criteria and guidelines.
  10. All PDS (Policy Documents) are available on the Website. You should read and understand the relevant PDS (Policy Document) before purchasing any product online. If you use any third party (i.e., broker, agent etc.) to enter any transactional information on our Website (including requesting a quote and accepting a quote), you are bound by the actions of that third party with respect to the transaction and will also be bound by these Terms of Use.
When you get a quote for some of our products, you’ll be taken to the einsure website. This domain is owned by Allianz, not a third party. It’s a secure site that processes Allianz product underwriting questions to generate quotes. It links with our apps and helps us to provide quality service to our customers.

We want to make our quote processes as simple and seamless as possible. We’ve worked on making the customer quoting journey as quick as it can be, so we can provide a quote in minutes.

The time it takes for us to provide a quote will depend on a number of factors, including on the type of product. For example, a life insurance quote will take longer than one for CTP insurance. This is because we have different underwriting questions for each Allianz product – requiring different amounts and types of information from the user.

Visit our Policy information page for further resources and information regarding our products and processes, policy documents, and Target Market Determinations.

You are currently able to make payments online for new business or renewals. If you receive a renewal schedule which indicates that this payment option is available, you will be able to access payment functionality by visiting this site. The details of how to do this will appear on the Schedule. If you are paying a renewal premium online, your new policy will only be in place when Allianz electronically receives the following:

  1. all details of the payment, including method of payment and correct policy details;
  2. clear payment via your credit card or nominated account; a record of the transaction is generated in the Allianz system and a receipt number issued for the payment.
Unless otherwise stated on our Website, all prices on our Website are in Australian dollars and are valid and effective only in Australia (policies on our Website are issued to people who are Australian residents). All prices and availability of goods and services may be changed at any time without notice. Allianz reserves the right to correct pricing errors at any time. Allianz isn’t liable for any loss or damage whatsoever from failure to deliver or delay in delivery of products or services, or both. 

By placing any Content on our Website, you grant to Allianz a perpetual, royalty-free, non-exclusive, irrevocable, unrestricted, worldwide licence to do the following in respect of the Content: 

  1. use, copy, sublicense, redistribute, adapt, transmit, publish, broadcast, publicly perform or display; and
  2. sub-license to any third parties the unrestricted right to exercise any of the rights granted in 1. above. 

This licence granted to Allianz includes the right to exploit all proprietary rights in any such Content, including but not limited to rights under copyright, trademark, service mark or patent laws under any jurisdiction worldwide. You consent to Allianz, and any third party authorised by Allianz, using your Content without attributing to you the authorship of the Content; inspecting or approving any use of the Content; and materially altering or distorting the Content.

At the request and expense of Allianz, you will execute and deliver to Allianz such instruments and take such other actions as may be required to carry out this grant of licence and consent.

Competition and Consumer Act 2010 (Cth) and all corresponding state and territory legislation imply terms, conditions, and warranties into some contracts for the supply of goods and services and prohibit the exclusion, restriction, and modification of such terms ("Prescribed Terms"). Except as provided for by the Prescribed Terms:

  1. All Content (including information about goods and services) is provided on an "as is" basis without any warranties of any kind.
  2. To the maximum extent permissible by law, Allianz expressly disclaims all warranties of any kind, including but not limited to implied warranties of merchantability and fitness for a particular purpose.
  3. Allianz, and its directors and employees, doesn't warrant that your access to our Website will be uninterrupted or that our Website will operate error free, that any defects will be corrected or that our Website and its servers are free of computer viruses and other harmful data, code, components, or other material.
  4. Allianz, and its directors and employees, doesn't warrant that it will be able to prevent any illegal, harmful or inappropriate use, modification or alteration of our Website, or that it will give notice of such use, modification or alteration.
  5. Allianz, and its directors and employees, doesn't warrant or make any representations about the correctness, accuracy, timeliness, completeness, reliability, quality or otherwise of the Content (including descriptions of any goods/services). The use of our Website and the Content is at your own risk. Changes are periodically made to our Website and may be made at any time.
  6. If your use of our Website or the Content results in the need for servicing or replacing equipment or data, Allianz is not responsible for those costs.

Except as provided by the Prescribed Terms, Allianz, its directors, employees, suppliers, or any third parties mentioned on our Website aren't liable for any loss or damage whatsoever (including, without limitation, incidental, special and/or consequential damages or lost profits) resulting from:

  1. Any use or access of, or any inability to use or access, our Website, any third party link, or any Content.
  2. Any unauthorised access to or alterations of your transmissions or data.
  3. Any statements or conduct of any user of our Website, including any information or advice and any defamatory statements or offensive conduct. To the fullest extent permitted by law Allianz liability for breach of any Prescribed Terms is limited at the option of Allianz to the following:
  • In the case of services supplied or offered by Allianz: a. The supply of the services again; or b. The payment of the cost of having services supplied again; and
  • In the case of goods supplied or offered by Allianz: a. The replacement of the goods or the supply of equivalent goods; b. The repair of such goods; c. The payment of the cost of replacing the goods or acquiring equivalent goods; or d. The payment of the cost of having the goods repaired.
Allianz can’t guarantee that our Website or any other Website with a link to its Website will be free from viruses or that uninterrupted access will be available. Access is offered only on an "as is" basis and Allianz may make any online access unavailable without any notice.

This Website may contain links to other Websites owned and operated by third parties who are not related bodies corporate of Allianz ("Linked Websites"). The Linked Websites are not under the control of Allianz and Allianz is not responsible for the content of any Linked Websites or any hyperlink contained in a Linked Website and makes no representation or warranty with respect to the content of any such third party sites.

Allianz provides these links to you as a convenience only and the inclusion of any link doesn't imply any endorsement of the Linked Website by Allianz. Your link to any such Linked Website is entirely at your own risk. Allianz is not a party to any transaction between you and a Linked Website. Your use of a Linked Website is subject to the terms and conditions of that site in addition to these Terms of Use. If there is any inconsistency, these Terms of Use prevail.

Our Website also contains third party advertisements (that may or may not contain embedded hyperlinks or referral buttons to Linked Websites). The display of such advertising does not in any way imply an endorsement or recommendation by Allianz of the relevant advertiser, its products or services or any such Linked Website. You are referred to the relevant advertiser for all information regarding the advertiser and its products or services.

To the extent permitted by law, Allianz accepts no responsibility for any interaction between you and the relevant third party and is released from any liability arising out of or in any way connected with such interaction.

You indemnify Allianz for any liability incurred by Allianz for any loss, liabilities, costs, damages, or other expenses howsoever incurred by Allianz in connection with, or arising directly or indirectly as a result of, your breach of these Terms of Use or your use of or access to our Website.

Allianz may terminate your access to our Website or any part of our Website at any time without notice to you. If you violate any Terms of Use, your right to use and access our Website automatically terminates. Allianz may also change the terms and conditions contained on this site at any time. Your continued access to or use of our Website constitutes an agreement by you that you accept and agree to abide and be bound by the Terms of Use and any amendments.

You should visit this page periodically to review the Terms of Use. Should you object to any of the Terms of Use or any amendments, your only recourse is to immediately discontinue your use of our Website. In the event of termination, you must immediately cease accessing and using our Website and Content and (at Allianz' option) return any hard copies of the Content to Allianz or destroy any hard copies and any other electronic copies of the Content within your control or possession. Allianz' limit of liability, your indemnity, licences granted by you and all limits on your use of our Website survive termination.

Certain taxes and government charges may be payable in relation to the provision of our services. Allianz has no responsibility for such taxes or other government charges. Despite the foregoing paragraph, unless stated otherwise, charges referred to for use of any goods or services provided by Allianz are inclusive of any goods and services tax imposed under Australian law, unless otherwise stated on our Website.
Allianz requires that children under 18 years old consult with their parents before providing any data about themselves, their purchasing profile, or their families. If you place an order via our Website, you warrant to Allianz that you are 18 or more years of age and that you are authorised and able to make payment in the manner stipulated by you or if you are under 18 that you are authorised by your parents or guardian to enter into the contract. In addition, Allianz encourages parents to monitor their children's web activity and children to obtain permission before logging on to our Website. 

All disputes arising out of this Agreement shall be dealt with in accordance with the laws of New South Wales, Australia. You irrevocably and unconditionally submit to the exclusive jurisdiction of the courts of New South Wales and the New South Wales District Registry of the Federal Court of Australia.

This site is controlled and operated by Allianz from its offices in Australia. Allianz makes no representation that materials in the site are appropriate or available for use in other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent applicable.

If any provision of the Terms of Use is found to be invalid or unenforceable by a court of law, such invalidity or unenforceability will not affect the remainder of the Terms of Use which will continue in full force and effect. All rights not expressly granted are reserved. 
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.