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BSB 650 000

Home and Contents Insurance

Protect your valuable assets with Home and
Contents insurance.

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  • 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*

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  • Overview

    Get covered

    Allianz home insurance includes a range of features and benefits.

    Whether you are looking for cover for specified insured events or more comprehensive accidental loss or damage cover, we may be able to assist.

    You can choose from three levels of cover to suit your needs. It’s so easy to apply – get a quote today.

  • Vital Cover

    Vital Cover

    Protection in the event that your home is broken into or damaged by events such as storm, fire or earthquake. 

    Covers loss or damage due to fire, theft, storm, accidental breakage (of glass), earthquake, tsunamis, explosion, impact damage, lightning or thunderbolt, malicious acts, riot or civil commotion, rainwater or run-off, burglary or housebreaking, water or other liquid damage.

    Vital Product Disclosure Statement PDF 6.5MB

  • Classic Cover

    Classic Cover

    Includes everything from Vital Home Insurance plus some higher policy limits and some additional features and benefits such as cover for fusion (motor burnout) of household electric motors and up to twice the limit of legal liability cover compared with Vital Home Insurance. 

    Covers loss or damage due to fire, theft, storm, accidental breakage (of glass), earthquake, tsunamis, explosion, impact damage, lightning or thunderbolt, malicious acts, riot or civil commotion, rainwater or run-off, burglary or housebreaking, water or other liquid damage.

    Classic Product Disclosure Statement PDF 9.4MB

  • Prestige Cover

    Prestige Cover

    Premium product which provides cover for accidental loss or damage to your buildings and/or contents (unless stated otherwise in the policy).

    It also includes some additional benefits such as legal defence costs, cover for contents in transit and offers up to twice the limit of legal liability compared with Vital Home Insurance. 

    Prestige Product Disclosure Statement PDF 7.8MB

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 Dislosure 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
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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 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).


Other Insurance cover:

Get in touch

  • Contact us Call 13 19 87

  • Enquiry Make an enquiry

    One of our friendly Financial Advisers will respond to your enquiry within one business day (Monday to Friday).

    All information is required unless otherwise stated as optional.

    We will respond to your enquiry within one business day.

    All information is required unless otherwise stated as optional.

    One of our friendly Home Loan Experts will respond to your enquiry within one business day.

    All information is required unless otherwise stated as optional.

    One of our friendly Personal Loan Experts will respond to your enquiry within one business day.

    All information is required unless otherwise stated as optional.

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    Please be aware to borrow this amount you will be required to provide security. You may continue with your online enquiry, providing security where requested, or you can contact our Member Support Centre on 13 19 87 to discuss our security requirements prior to completing your enquiry.

    Security against Loan

    The car should be less then eight years old and for personal use only.

    The motorcycle should be less then seven years old at the end of the loan term. Please note that only on-road and dual purpose motorcycles are accepted as security for a Personal Loan.

    To be used as security this account must be held with the Newcastle Permanent. If you would like to transfer your Term Deposit to the Newcastle Permanent please contact our Member Support Centre on 13 19 87.

    If the property is mortgaged, the mortgage must be held with the Newcastle Permanent to be accepted as security. If you would like to transfer your Mortgage to the Newcastle Permanent please contact our Member Support Centre on 13 19 87.

    Financial statements for the past two financial years will be required to support your application.

    Please note that unemployment benefits are not accepted as eligible income to apply for a Personal Loan. You may contact our Member Support Centre directly on 13 19 87 for further clarification on acceptable sources of income.

    Acceptable Pension type: Aged, Disability, Veterans Affairs and Carers. If you are receiving any other type of pension you may not be eligible for a Personal Loan. Please contact our Member Support Centre on 13 19 87 to discuss your eligibility.

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    Here’s some information for you: Terms and conditions apply and will be included with our loan offer.

    Here’s some information for you: Newcastle Permanent Building Society AFSL 238273.

    Here’s some information for you : Applications for finance are subject to Newcastle Permanent's normal credit approval process. Full terms and conditions will be included with our loan offer. Fees and charges are payable. Loans for commercial purposes are excluded.

    Here's some more information for you: This enquiry does not constitute a loan or pre-approval. Applications for credit are subject to Newcastle Permanents normal credit approval process. Full terms and conditions will be included with our loan offer. Fees and charges are payable.

    Here’s some information for you: Applications for finance are subject to Newcastle Permanent's normal credit approval process.

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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).