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Insure your investment property and landlord’s contents for insured events such as theft, fire1, storm1 and malicious damage.
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 covers the property and/or the contents you provide for your tenant’s use from loss or damage by insured events.
We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the Landlord Product Disclosure Statement (PDS) any applicable supplementary PDS and Landlord Buildings or Landlord Contents Key Fact Sheets also available for reference.
Qudos Bank ABN 53 087 650 557 AFSL/Australian Credit Licence No. 238305 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 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 Product Disclosure Statement and key fact sheets available from www.qudosbank.com.au. The relevant Target Market Determination is available by calling 1300 747 747. If you purchase this insurance, we will receive a commission of 18% that is a percentage of the premium. Ask us for more details before we provide you with services. Ask us for more details before we provide you with services. See our Financial Services Guide or ask us for more details.
1. 72 hour exclusion period
We may not provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.
2. Online discount
[Home] When you buy a new home insurance policy online a discount of up to 10% is applied to your first years premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.
[Landlord] When you buy a new Landlord insurance policy online a premium 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.
3. Minimum premiums
If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the 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.
Discounts do not apply to optional covers for Domestic workers’ compensation / Landlord workers’ compensation, and may not apply to other optional covers (if available and selected).
Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.
4. Instalment premiums
If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.
