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General Insurance

Building and Contents Insurance

Get cover for your home buildings and your contents by combining buildings and contents covers on the one policy.

 

If you take both Building and Contents insurance, here's how they can work together if the unexpected occurs:

  • Your house burns down. You could lose all your buildings, and everything in them. With adequate sums insured under Buildings and Contents covers, you could rebuild and replace your insured belongings.
  • A fire damages your kitchen. You could repair or rebuild built-in damaged parts of your kitchen, such as benchtops, with Buildings cover. Then you could replace damaged items like blinds and kitchenware under your Contents cover.
  • A thief smashes your window, breaks the lock and steals your belongings. You can fix the window and lock through your Buildings cover and replace the items that were stolen under your Contents cover.
  • Save up to 10% on your first year's premium when you quote and buy a new policy online12.

Landlord Insurance

A residential investment property needs to be appropriately insured. Landlord insurance can give you the confidence that your property will be covered should something go wrong. Allianz Landlord Insurance through HSBC Bank Australia Limited covers the property and/or the contents you provide for your tenant's use from loss or damage by insured events.

To help you decide the cover you need, here's a brief outline of the difference between Buildings and Contents cover:

  • Landlord Buildings: Designed to cover the physical structures that make up your property, like the house itself, garage, sheds, permanently installed swimming pools and decks.
  • Landlord contents: Designed to cover items at your property – from furniture, removable domestic appliances and white goods which belong to you as the landlord and that you have provided for the use of your tenant. It also covers your carpets and window furnishings.
  • Save up to 10% on your first year's premium when you quote and buy a new policy online12.

Motor Insurance

Allianz Motor Insurance has a great range of features and benefits designed to suit customers with different needs. With a 24/7 online claims lodgement service, a monthly payment option3 and a choice between Comprehensive and Third Party Property Damage cover, Allianz Motor Insurance gives you the flexibility so you can choose to manage your car insurance in a way that suits you.
  • Comprehensive Insurance: The highest level of cover we offer for your vehicle which provides cover for fire, theft, accidents and malicious damage. It also covers your legal liability for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault.
  • Third Party Property Damage: Covers your legal liability for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault.
  • Up to 10% discount on your first years’ premium when you quote and buy a new comprehensive car insurance policy online12.

Terms & Conditions 

HSBC Bank Australia Limited (HSBC) ABN 48 006 434 162. AFSL/Australian Credit Licence Number 232595 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL Number 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 relevant Product Disclosure Statement available from https://www.hsbc.com.au/insurance. The relevant Target Market Determination is available by calling 1300 205 060. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.
 

1. Online discount:

Building and contents

When you both get a quote and buy a new home insurance policy online, you'll get a discount of up to 10% on your first year’s premium. This discount does not apply to domestic workers’ compensation (if available and selected), or when you renew a policy. Minimum premiums apply.

Landlord

When you quote and buy a new Landlord insurance policy online a discount of up to 10% is applied to your first years premium including the optional covers (If selected) Flood & Rent Default and Theft by Tenant. This discount is not applied on renewal.

Motor

The online discount applies when you quote and buy a new Comprehensive Motor Insurance policy online only. Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year's premium only (unless otherwise stated). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.

2. Where discounts apply, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges.

Most discounts won’t apply below the minimum amount payable for the policy.

3. Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.