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Protect your valuable assets with Home and
Contents insurance.

  • Better value banking icon 24/7 claims lodgement service with Allianz A team that are there for you when you need it the most
  • npbs favorite icon Up to 30% No Claim Bonus On your premium*#
  • npbs icon Option to pay by the month At no extra cost^
  • Home Loans Up to 10% discount Just buy both buildings and contents cover on the one policy*

Key Information:
Financial Services Guide - PDF 194kb | Key Fact Sheet

Compare the benefits

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the relevant Product Disclosure Statement.

 

Vital
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Classic
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Prestige
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Covers loss or damage due to

See the Vital Home Product Disclosure Statement for the full list of insured events

See the Classic Home Products Disclosure Statement for the full list of insured events

See the Prestige Home Product Disclosure Statement for more information

Legal liability coverii

Up to $10,000,000

Up to $20,000,000

Up to $20,000,000

Replacement of locks or cylinders

Up to $1,000

Up to $1,000

Up to $2,000

Compensation for death ($10,000)

Black tick

Black tick

Black tick

Compensation for Fracture

White cross

Limits apply. See PDS for details.

Limits apply. See PDS for details.

Modifications to buildings for paraplegia & quadriplegia (Up to $10,000)**

Black tick

Black tick

Black tick

Fusion (Cover for burnout of household electric motors)

White cross

Motors up to 10 years old

Motors up to 12 years old

Landscaping**

White cross

Up to $2,000

Up to $5,000

Flood Cover for eligible properties

Optional

Optional

Optional


Vital
Get a quote>>
Classic
Get a quote>>
Prestige
Get a quote>>

Covers loss or damage due to

See the Vital Home Product Disclosure Statement for the full list of insured events

See the Classic Home Product Disclosure Statement for the full list of insured events

See the Prestige Home Product Disclosure Statement for more information

Legal liability coverii

Up to $10,000,000

Up to $20,000,000

Up to $20,000,000

Cover for fraudulent use of lost or stolen credit cards>

Up to $2,500

Up to $5,000

Up to $5,000

Replacement of locks or cylinders

Up to $1,000

Up to $1,000

Up to $2,000

Contents in the open air at the risk address (Limits apply. See PDS for details)><

Black tick

Black tick

Black tick

Guests', visitors and domestic helpers' property (Up to $5,000)>

Black tick

Black tick

Black tick

Temporary removal of contents from your risk address (Limits apply. See PDS for details)+>

Black tick

Black tick

Black tick

Compensation for death ($10,000)

Black tick

Black tick

Black tick

Compensation for Fracture~

White cross

Limits apply. See PDS for details.

Limits apply. See PDS for details.

Security firm attendance (Up to $500)>

Black tick

Black tick

Black tick

Veterinary costs if your dog or cat is injured in a road accident (Up to $500)>

Black tick

Black tick

Black tick

Fusion (Cover for burnout of household electric motors)

White cross

Motors up to 10 years old

Motors up to 12 years old

Spoilage of refrigerated / freezer food>

White cross

Up to $500

Up to $500

Cover for contents in transit to your new place of residence>

White cross

White cross

Black tick

Emergency storage of contents>

Black tick

Black tick

Black tick

Flood Cover for eligible properties

Optional

Optional

Optional

Personal Effects cover for items you take away from home, such as mobile phones, cameras or jewellery.>

Optional

Optional

Optional

How to claim

To make a claim call 1300 362 108 Monday–Friday, 8.00am-5.00pm AEST (excluding public holidays).


Here’s some information for you:
Home, Contents and Landlord Insurance is arranged by Newcastle Permanent Building Society Limited ACN 087 651 992, AFS Licence No. / Australian Credit Licence 238273 (NPBS) and is issued by the insurer Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence No. 234708 (Allianz). In arranging this insurance, NPBS acts under its own AFS Licence and as agent for Allianz under an agreement with Allianz. This information is general advice only and does not take into account your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. You should consider whether or not the insurance is appropriate for you and the relevant Product Disclosure Statement (PDS) in deciding whether to buy or continue to hold any of these insurance products. You can get a PDS for the relevant insurance product from any branch of NPBS or by phoning 13 19 87. We will receive a commission that is a percentage of the premium for insurance product sales. Our staff earn a salary and may also be eligible for annual and other discretionary performance bonuses that are based on a number of factors that include the amount of insurance products sold. Discretionary bonuses may be of a monetary or non-monetary nature. We may also receive other benefits under our agreement with Allianz that are not directly related to the services we provide you. We also have an arrangement with a related company of Allianz under which we provide services including but not limited to training, marketing, administrative and support services relating to some Allianz insurance products, and for this we receive a share of aggregate profits from those Allianz insurance products that we arrange. Ask us for more details before we provide you with any services. Further details can also be found in our Financial Services Guide.
*Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for optional covers, including flood (where relevant).
#To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus.
^Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.
+Classic, Vital and Prestige- Up to 20% of contents sum insured with sub-limits for listed contents, while kept inside where you are temporarily residing; or anywhere else in Australia or NZ but excluding theft. Prestige also offers up to $7,500 for contents. 
iiIf you do not have buildings cover and have contents cover only, we will cover your legal liability as owner of the contents (and as owner of the lot in a strata title development).
>Available only with Contents cover.
**Available only with Buildings cover.
<Sub-limits apply for selected contents based on events causing loss or damage
~Conditions, limits and exclusions apply.
» The links provided are to websites controlled or offered by third parties (non-Newcastle Permanent).