{
 "dataset": "Australian building insurance",
 "source": "Each brand's and insurer's own Product Disclosure Statement, Key Facts Sheet, Target Market Determination and product pages (policies, cover, underwriter); APRA's list of registered general insurers (authorisation); ASIC's Australian Financial Services Licensee register on data.gov.au (licence, ABN)",
 "licence_note": "APRA authorisation is from APRA's list of registered general insurers, published under the Creative Commons Attribution 4.0 International licence (© Australian Prudential Regulation Authority). Licence fields are from ASIC's AFS Licensee dataset on data.gov.au, published under the Creative Commons Attribution 3.0 Australia licence. Policies, their cover and their underwriters are facts read from each brand's and insurer's own published documents, and every one carries the URL and the sentence it was read from. Policies change, and the document that applies to a policy is the one issued with it. This is reference data, not advice about which policy to buy.",
 "brand": {
  "slug": "nab",
  "name": "NAB",
  "website": "https://www.nab.com.au/",
  "kind": "brand",
  "underwriter": "Allianz Australia Insurance Limited",
  "underwriter_abn": "15000122850",
  "underwriter_afsl": "234708",
  "lloyds": false,
  "distributor": {
   "name": "National Australia Bank Limited",
   "abn": "12004044937",
   "afsl": "230686",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "NAB Home and Contents Insurance (building cover)",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included_can_remove",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Home and Contents Insurance PDS and Policy Document",
      "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/home-and-contents-insurance-pds.pdf",
      "date": "2024-10-01"
     },
     {
      "title": "Key Fact Sheet (Buildings)",
      "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/home-and-contents-insurance-building.pdf",
      "date": "2024-10-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Get award-winning cover and support in minutes with NAB Home and Contents Insurance, issued by Allianz.",
      "url": "https://www.nab.com.au/personal/insurance/home-and-contents-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Get award-winning cover and support in minutes with NAB Home and Contents Insurance, issued by Allianz.",
       "url": "https://www.nab.com.au/personal/insurance/home-and-contents-insurance#:~:text=Get%20award%2Dwinning%20cover%20and%20support,Contents%20Insurance%2C%20issued%20by%20Allianz.",
       "document_sha256": "35d74aeb32a7beebd61330370fca384e9551df83871f83bda6c6898c5bb12eb1",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "NAB is authorised to arrange for the issue of this insurance by Allianz, as its agent, not yours.",
      "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/home-and-contents-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "NAB is authorised to arrange for the issue of this insurance by Allianz, as its agent, not yours.",
       "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/home-and-contents-insurance-pds.pdf#page=3",
       "page": 3,
       "document_sha256": "8e84a4f782dc6e0ec9d807f83160b0a73d564e77449d32dc44d277067273a9a0",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount.",
      "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/home-and-contents-insurance-building.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Under this policy you set the maximum level of cover and your payout is limited to that amount.",
       "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/home-and-contents-insurance-building.pdf#page=1",
       "page": 1,
       "document_sha256": "331b7fa055bc27e5f8c183307528514f103b52becfa934bb39b76d7bdfeee3aa",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.",
      "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/home-and-contents-insurance-building.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.",
       "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/home-and-contents-insurance-building.pdf#page=1",
       "page": 1,
       "document_sha256": "331b7fa055bc27e5f8c183307528514f103b52becfa934bb39b76d7bdfeee3aa",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "What does it mean if I take the Accidental damage cover option? This optional cover can provide even more cover – it covers you against damage caused by sudden, unforeseen and unintended events",
      "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/home-and-contents-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "What does it mean if I take the Accidental damage cover option? This optional cover can provide even more cover – it covers you against damage caused by sudden, unforeseen and unintended events",
       "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/home-and-contents-insurance-pds.pdf#page=8",
       "page": 8,
       "document_sha256": "8e84a4f782dc6e0ec9d807f83160b0a73d564e77449d32dc44d277067273a9a0",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.",
      "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/home-and-contents-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.",
       "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/home-and-contents-insurance-pds.pdf#page=57",
       "page": 57,
       "document_sha256": "8e84a4f782dc6e0ec9d807f83160b0a73d564e77449d32dc44d277067273a9a0",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Flood cover is standard; it can be removed only on a renewing policy where Allianz has agreed the property meets eligibility criteria relating to flood risk.",
     "Accidental damage is an optional extra."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unless the insurer agreed in writing beforehand (not unreasonably withheld). Lived in means someone eating and sleeping there at least two nights in a row.",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "home-and-contents-insurance-building-cover",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "Allianz Australia Insurance Limited",
      "abn": "15000122850",
      "afsl": "234708",
      "lloyds": false,
      "slug": "allianz-australia-insurance",
      "apra": {
       "status": "authorised",
       "name": "Allianz Australia Insurance Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "234708",
       "name": "ALLIANZ AUSTRALIA INSURANCE LIMITED",
       "abn": "15000122850",
       "acn": null,
       "licensed_since": "2004-01-05",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "NAB Landlord Insurance (building cover)",
    "type": "landlord",
    "segment": "residential",
    "channel": null,
    "online_quote": null,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included_can_remove",
    "accidental_damage": null,
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Landlord Insurance PDS and Policy Document",
      "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/landlord-insurance-pds.pdf",
      "date": "2024-10-01"
     },
     {
      "title": "Landlord Key Fact Sheet (Buildings)",
      "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/landlord-insurance-building.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "NAB Landlord Insurance Product Disclosure Statement and Policy Document Preparation Date: 01.10.2024 Issuer Allianz Australia Insurance Limited (referred to as Allianz) ABN 15 000 122 850 AFSL No. 234708",
      "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/landlord-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "NAB Landlord Insurance Product Disclosure Statement and Policy Document Preparation Date: 01.10.2024 Issuer Allianz Australia Insurance Limited (referred to as Allianz) ABN 15 000 122 850 AFSL No. 234708",
       "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/landlord-insurance-pds.pdf#page=1",
       "page": 1,
       "document_sha256": "20e254f141c376654ea37d2d33d45716976999a0ee27a0232a33af12133405d9",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount.",
      "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/landlord-insurance-building.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Under this policy you set the maximum level of cover and your payout is limited to that amount.",
       "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/landlord-insurance-building.pdf#page=1",
       "page": 1,
       "document_sha256": "5ab766395c9823fbe2ae319a8b807bf33e436c14c911e39d126254a6e19bcfcb",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.",
      "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/landlord-insurance-building.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.",
       "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/landlord-insurance-building.pdf#page=1",
       "page": 1,
       "document_sha256": "5ab766395c9823fbe2ae319a8b807bf33e436c14c911e39d126254a6e19bcfcb",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.",
      "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/landlord-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.",
       "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/landlord-insurance-pds.pdf#page=54",
       "page": 54,
       "document_sha256": "20e254f141c376654ea37d2d33d45716976999a0ee27a0232a33af12133405d9",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unless the insurer agreed in writing beforehand (not unreasonably withheld). Lived in means tenants eating and sleeping there at least two nights in a row, so gaps between tenants count.",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "landlord-insurance-building-cover",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "Allianz Australia Insurance Limited",
      "abn": "15000122850",
      "afsl": "234708",
      "lloyds": false,
      "slug": "allianz-australia-insurance",
      "apra": {
       "status": "authorised",
       "name": "Allianz Australia Insurance Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "234708",
       "name": "ALLIANZ AUSTRALIA INSURANCE LIMITED",
       "abn": "15000122850",
       "acn": null,
       "licensed_since": "2004-01-05",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "Issuer Allianz Australia Insurance Limited (referred to as Allianz) ABN 15 000 122 850 AFSL No. 234708",
    "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/home-and-contents-insurance-pds.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Issuer Allianz Australia Insurance Limited (referred to as Allianz) ABN 15 000 122 850 AFSL No. 234708",
     "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/home-and-contents-insurance-pds.pdf#page=1",
     "page": 1,
     "document_sha256": "8e84a4f782dc6e0ec9d807f83160b0a73d564e77449d32dc44d277067273a9a0",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "National Australia Bank Limited ABN 12 004 044 937 AFSL 230686 (referred to as NAB) has entered into a distribution arrangement with the Insurer Allianz.",
    "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/home-and-contents-insurance-pds.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "National Australia Bank Limited ABN 12 004 044 937 AFSL 230686 (referred to as NAB) has entered into a distribution arrangement with the Insurer Allianz.",
     "url": "https://www.nab.com.au/content/dam/nab/documents/pds/insurance/home-and-contents-insurance-pds.pdf#page=3",
     "page": 3,
     "document_sha256": "8e84a4f782dc6e0ec9d807f83160b0a73d564e77449d32dc44d277067273a9a0",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "NAB's PDS and key fact sheets are dated 1 October 2024; Allianz's own partner documents were updated for policies from 21 December 2025 (flood standard) and NAB's published versions were not re-dated, so treat as possibly older than current Allianz wording.",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "Allianz Australia Insurance Limited",
    "abn": "15000122850",
    "afsl": "234708",
    "lloyds": false,
    "slug": "allianz-australia-insurance",
    "apra": {
     "status": "authorised",
     "name": "Allianz Australia Insurance Limited",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": {
     "afsl": "234708",
     "name": "ALLIANZ AUSTRALIA INSURANCE LIMITED",
     "abn": "15000122850",
     "acn": null,
     "licensed_since": "2004-01-05",
     "locality": "Sydney NSW 2000",
     "source": {
      "dataset": "ASIC AFS Licensee dataset",
      "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
      "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
      "last_modified": "2026-11-11T20:51:07.739275",
      "licence": "Creative Commons Attribution 3.0 Australia"
     },
     "general_insurance": true,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": {
   "afsl": "230686",
   "name": "NATIONAL AUSTRALIA BANK LIMITED",
   "abn": "12004044937",
   "acn": null,
   "licensed_since": "2003-12-01",
   "locality": "Melbourne VIC 3000",
   "source": {
    "dataset": "ASIC AFS Licensee dataset",
    "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
    "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
    "last_modified": "2026-11-11T20:51:07.739275",
    "licence": "Creative Commons Attribution 3.0 Australia"
   }
  },
  "page": "https://deepalmanac.com/au/insurance/building/nab/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/nab.json"
 }
}