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You may qualify for up to 30%

No Claims Bonus on your premium. ~@&

Option to increase your excess

which may reduce your premium.*

Pay by the month

at no extra cost.<

Save up to 10%

Up to 10% Discount on your first year's premium when you quote and buy a new policy online. .~~@&

Insure your home buildings from unexpected events such as fire#, theft, storm#, and flood#.

Premium Plus Package customers are eligible for an ongoing premium discount when purchasing a new insurance policy through any branch or by contacting us on 13 19 87. This discount is not available online or in conjunction with other discounts. Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods. 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 discount, each of them is applied 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.

Features and benefits

The better you understand your policy, the easier it will be if you ever have to claim.  

Here is a limited summary of the benefits of a building insurance policy. For full details, of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before making a decision to purchase the insurance. The Home Buildings Key Fact Sheet (KFS) also sets out some information about the cover.

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Rebuilding and professional fees

If you need to rebuild your home after total loss or damage, Allianz will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000.
Cover for the unexpected

Allianz offers cover for out-of-the-ordinary but devastating events such as fire# including bushfire# and grassfire#, earthquake# and burglary.
Cover for storm damage

Covers loss or damage caused by storm, cyclone#, or rainwater but this does not include run-off.
Cover for flood and/or run off

Covers loss or damage caused by flood#, run-off, flood water# combined with run-off and/or rainwater.
Making your buildings environmentally friendly

If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, Allianz will pay up to $5,000 (after deduction of any government or council rebates) to help you make the new buildings more environmentally friendly.
Alternative accommodation for you and your pets

If your Buildings are damaged by an insured event during the period of insurance to such an extent that you can't live in your home buildings, Allianz will pay the additional costs for temporary accommodation based on your building's rentable value prior to the damage, up to 10% of the building sum insured and up to $500 for temporary accommodation for your pets in a commercial boarding establishment. This benefit applies up to a maximum of 12 months.
Replacement locks

Allianz will cover the cost, up to $1,000, to replace the locks or cylinders of any external door or window following an actual or attempted theft or burglary if the key is stolen.
Vandalism or malicious damage

You are covered for loss or damage caused by vandalism or a malicious act.
Debris removal

In addition to your buildings sum insured, Allianz will pay up to 10% of your building sum insured for the removal of debris from the damaged or destroyed part of the buildings.
24/7 claims assistance

When you need to make a claim Allianz are there for you with 24 hour claims lodgement available online, or you can call the claims team to commence the claims process over the phone.
Insurance FAQs

Optional covers

Apply to add any of these optional covers for an additional premium and greater cover.

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Accidental damage

The accidental damage cover option helps insure you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building.
Motor burnout

The Motor burnout option covers you if an electrical current damages your household electrical motors that are less than 10 years old. This cover is automatically included if you have taken optional Accidental Damage cover.
Domestic workers' compensation cover

Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address. Only available in ACT, WA and TAS.
Insurance FAQs

Key Information:
This is a limited summary of cover only. For full details of the terms, conditions, limits and exclusions about our home insurances please refer to the relevant Home and/or Landlord Product Disclosure Statement (PDS) and any applicable supplementary PDS before making a decision to purchase the insurance. To see some of the events covered and not covered, please refer to the Home Buildings, Home Contents, Landlord Building or Landlord Contents Key Fact Sheet. 

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Newcastle Permanent, part of Newcastle Greater Mutual Group Ltd, arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz), acting under our own AFSL. Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), for the insurer Allianz. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement and key fact sheets available on this website, by calling 13 19 87 or from any branch. The relevant Target Market Determination is available by calling 1300 493 824. If you purchase this insurance, we will receive a commission that is a percentage of the premium.  Ask us for more details or see our Website Disclosure Information before we provide you with services.


"~No Claims Bonus When you take out a new policy, we calculate your No Claims Bonus (NCB) based on your home or landlord (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of up to 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding 5 years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus. We won’t apply the full percentage of the No Claim Bonus if it results in you paying less than the minimum premium.  
[Home:] The No Claim Bonus isn’t applied to the flood component of the premium (if covered) or Domestic workers’ compensation (if available and selected) or Portable contents (if selected).  
[Landlord:] The No Claim Bonus isn’t applied to the flood component of the premium (if covered), or Landlord workers’ compensation (if available and selected)."


~~ Save up to 10%: 
[Home] When you both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected), or upon renewal. Minimum premiums apply.
[Landlord] When you both quote and buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium. This discount is not applied to Landlord workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply.
[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 Allianz’s 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 using other methods.

@ To access your Premium Plus Package insurance discount please visit us at your local branch or alternatively call us on 13 19 87. This discount is not available online.

& Minimum Premiums: Where discounts are applied, 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.


^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.


*Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.


# 72 hour exclusion period: We may not provide cover for any loss of or damage to your property caused by cyclone, flood, flood water combined with run-off and/or rainwater, 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.


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