{ "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": "ozicare", "name": "Ozicare", "website": "https://www.ozicare.com.au/", "kind": "brand", "underwriter": "Auto & General Insurance Company Limited", "underwriter_abn": "42111586353", "underwriter_afsl": "285571", "lloyds": false, "distributor": { "name": "Auto & General Services Pty Ltd", "abn": "61003617909", "afsl": "241411", "authorised_representative_no": null }, "products": [ { "name": "Ozicare Home Building Insurance", "type": "home_building", "segment": "residential", "channel": "both", "online_quote": true, "cover_basis": "choice", "buffer_percent": 25, "flood": "optional", "accidental_damage": "optional", "levels": [], "eligibility": "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.", "states": null, "documents": [ { "title": "Home and Contents Insurance PDS", "url": "https://ozicare.disconline.com.au/branding/resources/OZIC/legal/home/HPDSOZIC.pdf", "date": null }, { "title": "Key Facts Sheet - Home Building", "url": "https://ecommerce.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf", "date": null }, { "title": "Target Market Determination (home)", "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/OZIC/legal/home/TMD.pdf", "date": "2025-07-10" } ], "quotes": { "product": { "text": "Home insurance: Combined Home and Contents, Home Building, Contents", "url": "https://www.ozicare.com.au", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Home insurance: Combined Home and Contents, Home Building, Contents", "url": "https://www.ozicare.com.au#:~:text=Home%20insurance%3A%20Combined%20Home%20and%20Contents%2C%20Home%20Building%2C%20Contents", "document_sha256": "77f6d1f51824fcb8cd888ba36e269d13260772ad13f7f7a1f30781dcfc01e03b", "confirmed": "2026-11-13" } }, "channel": { "text": "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.", "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/OZIC/legal/home/TMD.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "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.", "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/OZIC/legal/home/TMD.pdf#page=5", "page": 5, "document_sha256": "8fd6ebb0b11a3cc1d3d4d1adc29a691e6df9ec8b1db2c36967da560bc4e562d1", "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 (Sum Insured).", "url": "https://ecommerce.disconline.com.au/branding/resources/documents/legal/home/HBKFS.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 (Sum Insured).", "url": "https://ecommerce.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf#page=1", "page": 1, "document_sha256": "4da8db6e67a325777742587777218055abc0c3ee56d31f81dcff3d22f6fc5ff0", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood is not automatically covered but you can apply for optional Flood cover.", "url": "https://ozicare.disconline.com.au/branding/resources/OZIC/legal/home/HPDSOZIC.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood is not automatically covered but you can apply for optional Flood cover.", "url": "https://ozicare.disconline.com.au/branding/resources/OZIC/legal/home/HPDSOZIC.pdf#page=9", "page": 9, "document_sha256": "36e51b45857211fe97bfce4dea5d618a293d805389b6b6e62bdf7ec7b519329d", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "If you want cover for accidents like these, you'll need Accidental Damage cover.", "url": "https://ozicare.disconline.com.au/branding/resources/OZIC/legal/home/HPDSOZIC.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If you want cover for accidents like these, you'll need Accidental Damage cover.", "url": "https://ozicare.disconline.com.au/branding/resources/OZIC/legal/home/HPDSOZIC.pdf#page=9", "page": 9, "document_sha256": "36e51b45857211fe97bfce4dea5d618a293d805389b6b6e62bdf7ec7b519329d", "confirmed": "2026-11-13" } }, "eligibility": { "text": "own a home in Australia used for residential purposes either as an owner occupier or a landlord.", "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/OZIC/legal/home/TMD.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "own a home in Australia used for residential purposes either as an owner occupier or a landlord.", "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/OZIC/legal/home/TMD.pdf#page=2", "page": 2, "document_sha256": "8fd6ebb0b11a3cc1d3d4d1adc29a691e6df9ec8b1db2c36967da560bc4e562d1", "confirmed": "2026-11-13" } }, "buffer_percent": { "text": "An increase of your Home Insurance sum insured by up to 25%.", "url": "https://ozicare.disconline.com.au/branding/resources/OZIC/legal/home/HPDSOZIC.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "An increase of your Home Insurance sum insured by up to 25%.", "url": "https://ozicare.disconline.com.au/branding/resources/OZIC/legal/home/HPDSOZIC.pdf#page=49", "page": 49, "document_sha256": "36e51b45857211fe97bfce4dea5d618a293d805389b6b6e62bdf7ec7b519329d", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "When your home is unoccupied for more than 60 consecutive days and you make a claim, an additional excess of $1,000 will apply.", "url": "https://ozicare.disconline.com.au/branding/resources/OZIC/legal/home/HPDSOZIC.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "When your home is unoccupied for more than 60 consecutive days and you make a claim, an additional excess of $1,000 will apply.", "url": "https://ozicare.disconline.com.au/branding/resources/OZIC/legal/home/HPDSOZIC.pdf#page=16", "page": 16, "document_sha256": "36e51b45857211fe97bfce4dea5d618a293d805389b6b6e62bdf7ec7b519329d", "confirmed": "2026-11-13" } } }, "conditions": [ "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)." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1000, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "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.", "then": { "days": 180, "effect": "no_cover" }, "label": "Extra $1,000 excess after 60 days; no cover at all after 180 days" }, "id": "home-building-insurance", "type_label": "Home building", "issuers": [ { "name": "Auto & General Insurance Company Limited", "abn": "42111586353", "afsl": "285571", "lloyds": false, "slug": "auto-and-general-insurance", "apra": { "status": "authorised", "name": "Auto & General Insurance Company 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": "285571", "name": "AUTO & GENERAL INSURANCE COMPANY LIMITED", "abn": "42111586353", "acn": null, "licensed_since": "2005-06-15", "locality": "Toowong QLD 4066", "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": "This SPDS is issued by Auto & General Insurance Company Limited ABN 42 111 586 353, AFS Licence No 285571.", "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/OZIC/legal/home/20260625_SPDSOZIC.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This SPDS is issued by Auto & General Insurance Company Limited ABN 42 111 586 353, AFS Licence No 285571.", "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/OZIC/legal/home/20260625_SPDSOZIC.pdf#page=1", "page": 1, "document_sha256": "4699f449daaef472d726c4ffb9d6b1f811d3ae6426734a1d7bdc221f3d7daad0", "confirmed": "2026-11-13" } }, "distributor": { "text": "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.", "url": "https://www.ozicare.com.au", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "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.", "url": "https://www.ozicare.com.au#:~:text=Ozicare%20Insurance%20is%20arranged%20by,pages%20and%20in%20the%20PDS.", "document_sha256": "77f6d1f51824fcb8cd888ba36e269d13260772ad13f7f7a1f30781dcfc01e03b", "confirmed": "2026-11-13" } } }, "curation_notes": "Ozicare is an A&G-arranged brand. The PDS also includes Landlord Options but the Ozicare website lists only Home & Contents, Home Building and Contents, so no separate landlord product is recorded. KFS is the generic A&G home building KFS.", "segments": [ "residential" ], "issuers": [ { "name": "Auto & General Insurance Company Limited", "abn": "42111586353", "afsl": "285571", "lloyds": false, "slug": "auto-and-general-insurance", "apra": { "status": "authorised", "name": "Auto & General Insurance Company 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": "285571", "name": "AUTO & GENERAL INSURANCE COMPANY LIMITED", "abn": "42111586353", "acn": null, "licensed_since": "2005-06-15", "locality": "Toowong QLD 4066", "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": "241411", "name": "AUTO & GENERAL SERVICES PTY LTD", "abn": "61003617909", "acn": null, "licensed_since": "2004-03-10", "locality": "Toowong QLD 4066", "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/ozicare/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/ozicare.json" } }