{
 "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": "qantas-insurance",
  "name": "Qantas Insurance",
  "website": "https://insurance.qantas.com/",
  "kind": "brand",
  "underwriter": "Auto & General Insurance Company Limited",
  "underwriter_abn": "42111586353",
  "underwriter_afsl": "285571",
  "lloyds": false,
  "distributor": {
   "name": "Qantas Airways Limited (authorised representative of Auto & General Services Pty Ltd, AFSL 241411)",
   "abn": null,
   "afsl": null,
   "authorised_representative_no": "261363"
  },
  "products": [
   {
    "name": "Qantas Insurance Home Insurance (building cover)",
    "type": "home_building",
    "segment": "residential",
    "channel": null,
    "online_quote": null,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Home and Contents Insurance Product Disclosure Statement",
      "url": "https://home.insurance.qantas.com/branding/resources/EXQL/legal/home/HPDSEXQL.pdf",
      "date": "2023-09-21"
     },
     {
      "title": "Key Facts Sheet - Home Building",
      "url": "https://home.insurance.qantas.com/branding/resources/documents/legal/home/HBKFS.pdf",
      "date": "2023-09-21"
     },
     {
      "title": "Supplementary PDS",
      "url": "https://home.insurance.qantas.com/branding/resources/EXQL/legal/home/SPDSEXQL.pdf",
      "date": "2026-10-07"
     },
     {
      "title": "Target Market Determination",
      "url": "https://home.insurance.qantas.com/docs/prd/aagwebsite/agca/web/branding/resources/EXQL/legal/home/TMD.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Qantas Home and Contents Insurance is issued by Auto & General Insurance Company Limited ACN 111 586 353, and is arranged by Qantas Airways Limited (Qantas), Authorised Representative (AR No 261363) of Auto & General Services Pty Ltd AFSL 241411",
      "url": "https://insurance.qantas.com/home-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Qantas Home and Contents Insurance is issued by Auto & General Insurance Company Limited ACN 111 586 353, and is arranged by Qantas Airways Limited (Qantas), Authorised Representative (AR No 261363) of Auto & General Services Pty Ltd AFSL 241411",
       "url": "https://insurance.qantas.com/home-insurance#:~:text=Qantas%20Home%20and%20Contents%20Insurance,Services%20Pty%20Ltd%20AFSL%20241411",
       "document_sha256": "7481f7695772c4385fc005c4e6d4261627aa788f64d6822630419ef57dbcef5c",
       "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://home.insurance.qantas.com/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://home.insurance.qantas.com/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://home.insurance.qantas.com/branding/resources/EXQL/legal/home/HPDSEXQL.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://home.insurance.qantas.com/branding/resources/EXQL/legal/home/HPDSEXQL.pdf#page=9",
       "page": 9,
       "document_sha256": "e9145ae86a8ed94b5c391d84a82eabe8e45aa3da43dac57cb30a42139ee0553b",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Optional – A separate optional cover called ‘Accidental Damage’ is available to cover damage to other home building items.",
      "url": "https://home.insurance.qantas.com/branding/resources/documents/legal/home/HBKFS.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Optional – A separate optional cover called ‘Accidental Damage’ is available to cover damage to other home building items.",
       "url": "https://home.insurance.qantas.com/branding/resources/documents/legal/home/HBKFS.pdf#page=1",
       "page": 1,
       "document_sha256": "4da8db6e67a325777742587777218055abc0c3ee56d31f81dcff3d22f6fc5ff0",
       "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://home.insurance.qantas.com/branding/resources/EXQL/legal/home/HPDSEXQL.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://home.insurance.qantas.com/branding/resources/EXQL/legal/home/HPDSEXQL.pdf#page=16",
       "page": 16,
       "document_sha256": "e9145ae86a8ed94b5c391d84a82eabe8e45aa3da43dac57cb30a42139ee0553b",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Flood cover is an optional extra, not automatic.",
     "Accidental Damage is an optional extra.",
     "An optional 'Sum Insured Safeguard' can raise the payout by up to 25% of the sum insured; it is not included automatically."
    ],
    "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-insurance-building-cover",
    "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": "Qantas Home and Contents Insurance is issued by Auto & General Insurance Company Limited ACN 111 586 353, and is arranged by Qantas Airways Limited (Qantas), Authorised Representative (AR No 261363) of Auto & General Services Pty Ltd AFSL 241411",
    "url": "https://insurance.qantas.com/home-insurance",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Qantas Home and Contents Insurance is issued by Auto & General Insurance Company Limited ACN 111 586 353, and is arranged by Qantas Airways Limited (Qantas), Authorised Representative (AR No 261363) of Auto & General Services Pty Ltd AFSL 241411",
     "url": "https://insurance.qantas.com/home-insurance#:~:text=Qantas%20Home%20and%20Contents%20Insurance,Services%20Pty%20Ltd%20AFSL%20241411",
     "document_sha256": "7481f7695772c4385fc005c4e6d4261627aa788f64d6822630419ef57dbcef5c",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "Qantas Home and Contents Insurance is issued by Auto & General Insurance Company Limited ACN 111 586 353, and is arranged by Qantas Airways Limited (Qantas), Authorised Representative (AR No 261363) of Auto & General Services Pty Ltd AFSL 241411",
    "url": "https://insurance.qantas.com/home-insurance",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Qantas Home and Contents Insurance is issued by Auto & General Insurance Company Limited ACN 111 586 353, and is arranged by Qantas Airways Limited (Qantas), Authorised Representative (AR No 261363) of Auto & General Services Pty Ltd AFSL 241411",
     "url": "https://insurance.qantas.com/home-insurance#:~:text=Qantas%20Home%20and%20Contents%20Insurance,Services%20Pty%20Ltd%20AFSL%20241411",
     "document_sha256": "7481f7695772c4385fc005c4e6d4261627aa788f64d6822630419ef57dbcef5c",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "PDS dated 21 September 2023 with a Supplementary PDS dated 7 October 2026. Auto & General's ABN (42 111 586 353) is taken from the PDS and the ING page; Qantas's page gives only the ACN. Qantas sells home and contents; landlord features are options on the home policy, not a separate product.",
  "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": null,
  "page": "https://deepalmanac.com/au/insurance/building/qantas-insurance/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/qantas-insurance.json"
 }
}