Frequently Asked Questions


Building and contents insurance

What do I do if I need to make a buildings and/or contents insurance claim?

Take all reasonable precautions to prevent further loss, damage or liability. Contact the police immediately to report any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 65 17 77 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the home and contents insurance claims process.

I have changed the security on my property - do I need to let you know?

If you are altering the security on your property you should inform us as it may change the conditions of your home insurance. This may affect your premium.

You must tell Allianz immediately if, during the period of insurance you remove or stop using any security devices that were specifically required by us. If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

When Allianz receive this information, we may:
• propose changes to the terms and conditions of your policy
• charge you a higher premium
• cancel your policy
• decide not to offer to renew your policy.

I'm about to install a new kitchen and renovate my bathroom - should I notify my insurer?

You should tell Allianz immediately if during the period of insurance your building is in the course of construction or there are any alterations, additions, demolition, repairs to, or decorations of the buildings costing more than $75,000. If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

When Allianz receive this information, we may:
• propose changes to the terms and conditions of your policy
• charge you a higher premium
• cancel your policy
• decide not to offer to renew your policy.

It is also important that you increase your sum insured to take into account any extensions or renovations to make sure you are adequately covered in the event of a home insurance claim.

I have commenced using my home for business purposes - should I notify my insurer?

You must tell us immediately if, during the period of insurance you start using any part of your home building for business, trade or professional purposes (except for a home office).

If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

When we receive this information, we may:
• propose changes to the terms and conditions of your policy
• charge you a higher premium
• cancel your policy
• decide not to offer to renew your policy.

What do I do if I rent my home out to tenants?

If you’re renting your home out to tenants, cover is not available under our Home and Contents Insurance unless you also live at the insured address. We offer a product that has been specifically designed for landlords that you can consider instead.

How much will I be covered for?

It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself.

Remember, National Seniors Insurance Home and Contents Insurance will only pay up to the amount of your loss or the sum insured, whichever is the lesser - so you should also be careful not to over insure.

What if I need help choosing the right amount of cover?

To help you estimate the replacement value of your buildings and/or contents, you can use our Home Buildings and/or Home Contents replacement calculators.

I run a business from home, can I get cover?

You must tell National Seniors Insurance immediately if, during the period of insurance you start using any part of your home building for business, trade or professional purposes (except for a home office).

If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

When we receive this information, we may:
• propose changes to the terms and conditions of your policy
• charge you a higher premium
• cancel your policy
• decide not to offer to renew your policy.

Which option do I need to cover my laptop, tablet, mobile phone or smart watch away from home?

You can cover laptops, tablets, mobile phones, smart watches and other wearable technology away from the home under the Portable Contents optional cover. These items must be specified on your policy as Listed Portable Contents to be covered under this option. We will not cover cracked glass or screens where this is the only damage to the item.

Can I cover my bike and other sporting equipment away from home?

Yes you can cover these under the Portable Contents optional cover as Unlisted Portable Contents. However, these items will not be covered while they are being used

How do I know if I have optional covers on my policy?

You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting National Seniors Insurance on 1300 50 50 99).

If you’re not sure whether you have added these cover options, you can check your policy schedule.

Will I be covered if my drone is damaged or stolen within my home?

Drones and other remotely or autonomously piloted aircraft used for personal use are covered if lost or stolen within your property. They are not covered when in use, used for business or when they are not at the insured address.