Ozicare building insurance: what each policy covers, and who underwrites it
1 building policy from Ozicare. For each: how the building is valued, whether flood and accidental damage are covered, and what happens once the building is left empty, with the sentence from its own documents. Underwritten by Auto & General Insurance Company Limited.
- Website
- ozicare.com.au/
- What it is
- Brand
- Listed on
- Houses and rental properties
- Underwriter
- Auto & General Insurance Company Limited
- APRA
- Authorised by APRA to write new general insurance (listed as Auto & General Insurance Company Limited)
- Sold by
- Auto & General Services Pty Ltd · AFSL 241411
Building policies
Ozicare Home Building Insurance
- Type
- Home building · Residential
- Sold
- Direct or through a broker
- Building valued as
- Sum insured, + 25% option
- Flood
- Optional extra
- Accidental damage
- Optional extra
- Left empty
- Extra $1,000 excess after 60 days; no cover at all after 180 days. You must tell the insurer. After 60 days security conditions also apply (home locked, lawns and mail kept, regular checks); breaching them lets the insurer refuse or reduce a claim.
- Who it is for
- Owner-occupiers and landlords of free-standing houses, townhouses, duplexes, terraces or villas; not strata (unless freestanding), and not homes in the NT or above the Tropic of Capricorn.
- Documents
- Home and Contents Insurance PDS · Key Facts Sheet - Home Building · Target Market Determination (home) (10 July 2025)
- Sum Insured Safeguard is an optional cover that increases the home sum insured payout by up to 25%.
- Flood is not automatically covered; optional Flood cover is subject to underwriting criteria.
- Not available for homes in the NT or above the Tropic of Capricorn (excluding Greater Rockhampton).
The policy
“Home insurance: Combined Home and Contents, Home Building, Contents”
Source: ozicare.com.au · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“Application Process Our Distributors l Online. l Auto & General Services Pty Ltd (AGS), acting under binder with AGIC. l Telephone. l Authorised Representatives of AGS or AGIC. l Australian Financial Service Licensees with arrangements with AGS or AGIC.”
Source: autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/OZIC/legal/home/TMD.pdf · Confirmed on the insurer's page on 13 November 2026.
How the building is valued
“Under this policy, you set the maximum level of cover and your payout is limited to that amount (Sum Insured).”
Source: ecommerce.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf · Confirmed on the insurer's page on 13 November 2026.
Flood
“Flood is not automatically covered but you can apply for optional Flood cover.”
Source: ozicare.disconline.com.au/branding/resources/OZIC/legal/home/HPDSOZIC.pdf · Confirmed on the insurer's page on 13 November 2026.
Accidental damage
“If you want cover for accidents like these, you'll need Accidental Damage cover.”
Source: ozicare.disconline.com.au/branding/resources/OZIC/legal/home/HPDSOZIC.pdf · Confirmed on the insurer's page on 13 November 2026.
Left empty
“When your home is unoccupied for more than 60 consecutive days and you make a claim, an additional excess of $1,000 will apply.”
Source: ozicare.disconline.com.au/branding/resources/OZIC/legal/home/HPDSOZIC.pdf · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“own a home in Australia used for residential purposes either as an owner occupier or a landlord.”
Source: autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/OZIC/legal/home/TMD.pdf · Confirmed on the insurer's page on 13 November 2026.
Who underwrites and sells it
Underwriter
“This SPDS is issued by Auto & General Insurance Company Limited ABN 42 111 586 353, AFS Licence No 285571.”
Source: autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/OZIC/legal/home/20260625_SPDSOZIC.pdf · Confirmed on the insurer's page on 13 November 2026.
Who sells it
“Ozicare Insurance is arranged by Auto & General Services Pty Ltd (ABN 61 003 617 909, AFSL 241 411) trading as Ozicare on behalf of the product insurers, whose details appear on the product pages and in the PDS.”
Source: ozicare.com.au · Confirmed on the insurer's page on 13 November 2026.
Auto & General Insurance Company Limited: licence
- AFS licence
- 285571 · AUTO & GENERAL INSURANCE COMPANY LIMITED
- ABN
- 42111586353
- Licensed since
- 15 June 2005
- Principal business
- Toowong QLD 4066
- General insurance
- Licensed to deal in general insurance products
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
Distributor's licence
- AFS licence
- 241411 · AUTO & GENERAL SERVICES PTY LTD
- ABN
- 61003617909
- Licensed since
- 10 March 2004
- Principal business
- Toowong QLD 4066
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. What each policy covers and who underwrites it are read from each insurer's own documents by hand and re-checked daily, so a change can take a day to appear, and the policy wording you are issued is what applies to you. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.