{ "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.", "checked": "2026-10-16", "brand_count": 78, "brands": [ { "slug": "aami", "name": "AAMI", "website": "https://www.aami.com.au/", "kind": "brand", "underwriter": "AAI Limited", "underwriter_abn": "48005297807", "underwriter_afsl": "230859", "lloyds": false, "distributor": null, "products": [ { "name": "AAMI Home Building Insurance", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "choice", "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": "optional", "levels": [], "eligibility": "Owner-occupiers (principal residence or holiday home) of free-standing homes, townhouses, terraces, duplexes and triplexes; not landlords or strata/body corporate buildings.", "states": null, "documents": [ { "title": "Home Building Insurance Product Disclosure Statement", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-pds.pdf", "date": "2024-10-04" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-kfs.pdf", "date": "2024-10-04" }, { "title": "Building and Contents Insurance Target Market Determination", "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-building-contents-insurance.pdf", "date": "2025-06-27" }, { "title": "Home Building Insurance Additional Information Guide", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-aig.pdf", "date": null } ], "quotes": { "product": { "text": "This policy provides cover for loss or damage to your home (the building).", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This policy provides cover for loss or damage to your home (the building).", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-pds.pdf#page=6", "page": 6, "document_sha256": "c8ed9fc6fa8e869a95cecb1fcf6bcf66e48bdac1f651334295abc9cf4c4c0edd", "confirmed": "2026-11-13" } }, "channel": { "text": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres;", "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-building-contents-insurance.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres;", "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-building-contents-insurance.pdf#page=5", "page": 5, "document_sha256": "452e93504e6e2fd142b784ec77422962a2afc5d90508aa7cd475a4d5c04c51f0", "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) or you can select to purchase the optional cover that covers all the reasonable costs to rebuild your home (Total replacement).", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-kfs.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) or you can select to purchase the optional cover that covers all the reasonable costs to rebuild your home (Total replacement).", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-kfs.pdf#page=1", "page": 1, "document_sha256": "a0988762d7a3359ff86c19029780852e50594a0bfe584bdb1c37958b4ead9bb5", "confirmed": "2026-11-13" } }, "flood": { "text": "loss or damage caused by flood if you have removed flood cover.", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "loss or damage caused by flood if you have removed flood cover.", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-pds.pdf#page=39", "page": 39, "document_sha256": "c8ed9fc6fa8e869a95cecb1fcf6bcf66e48bdac1f651334295abc9cf4c4c0edd", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "For an extra premium cover can be purchased to cover Accidental Damage at home.", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-kfs.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "For an extra premium cover can be purchased to cover Accidental Damage at home.", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-kfs.pdf#page=1", "page": 1, "document_sha256": "a0988762d7a3359ff86c19029780852e50594a0bfe584bdb1c37958b4ead9bb5", "confirmed": "2026-11-13" } }, "eligibility": { "text": "own and live in their buildings that are used in the following ways:", "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-building-contents-insurance.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "own and live in their buildings that are used in the following ways:", "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-building-contents-insurance.pdf#page=4", "page": 4, "document_sha256": "452e93504e6e2fd142b784ec77422962a2afc5d90508aa7cd475a4d5c04c51f0", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the building hasn’t been occupied for more than 60 continuous days.", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the building hasn’t been occupied for more than 60 continuous days.", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-pds.pdf#page=16", "page": 16, "document_sha256": "c8ed9fc6fa8e869a95cecb1fcf6bcf66e48bdac1f651334295abc9cf4c4c0edd", "confirmed": "2026-11-13" } }, "unoccupied_excess": { "text": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the building hasn’t been occupied for more than 60 continuous days", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-aig.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the building hasn’t been occupied for more than 60 continuous days", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-aig.pdf#page=2", "page": 2, "document_sha256": "884a265549c1b4d6e601665ec31fdd021d0f56ad667b5e1a02b5eaf9f47df2b2", "confirmed": "2026-11-13" } } }, "conditions": [ "Flood cover is included but can be removed; the certificate of insurance shows if it has been removed.", "Complete Replacement Cover is an optional extra that replaces the building sum insured with the assessed cost to repair or rebuild; it can only be added or removed at purchase, renewal or when the insured address changes.", "Accidental damage at home is an optional cover for an additional premium." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1000, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Occupied means furnished, someone eating and sleeping there, and utilities connected. AAMI may ask for proof such as utility bills.", "then": null, "label": "Extra $1,000 excess after 60 days" }, "id": "home-building-insurance", "type_label": "Home building", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "AAMI Landlord Insurance (property cover)", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "choice", "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": null, "levels": [], "eligibility": "Landlords who own an investment property with a tenant under a rental agreement; not strata/body corporate buildings.", "states": null, "documents": [ { "title": "Landlord Insurance Product Disclosure Statement", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-insurance-pds.pdf", "date": "2024-10-04" }, { "title": "Landlord Insurance Target Market Determination", "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-landlord-insurance.pdf", "date": "2025-06-27" }, { "title": "Landlord Insurance Additional Information Guide", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-aig.pdf", "date": null } ], "quotes": { "product": { "text": "This policy provides cover for loss or damage to the building and landlord contents when you’re a landlord and lease the property to tenants.", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This policy provides cover for loss or damage to the building and landlord contents when you’re a landlord and lease the property to tenants.", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-insurance-pds.pdf#page=6", "page": 6, "document_sha256": "55f533dc5c3e9787a9297ef63c123b29136a25b0a4a63cd901c32f5a6787a325", "confirmed": "2026-11-13" } }, "channel": { "text": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres;", "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-landlord-insurance.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres;", "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-landlord-insurance.pdf#page=5", "page": 5, "document_sha256": "c6307ebc5e00087585edddc76c288917411e4cb366f0b3b7bbef8e8e7c52fecd", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "AAMI offers cover on a sum insured basis or you may be able to choose the option of Complete Replacement Cover ® for the building", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "AAMI offers cover on a sum insured basis or you may be able to choose the option of Complete Replacement Cover ® for the building", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-insurance-pds.pdf#page=15", "page": 15, "document_sha256": "55f533dc5c3e9787a9297ef63c123b29136a25b0a4a63cd901c32f5a6787a325", "confirmed": "2026-11-13" } }, "flood": { "text": "loss or damage caused by flood if you have removed flood cover.", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "loss or damage caused by flood if you have removed flood cover.", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-insurance-pds.pdf#page=43", "page": 43, "document_sha256": "55f533dc5c3e9787a9297ef63c123b29136a25b0a4a63cd901c32f5a6787a325", "confirmed": "2026-11-13" } }, "eligibility": { "text": "own an investment property and require cover for the building that is used as:", "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-landlord-insurance.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "own an investment property and require cover for the building that is used as:", "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-landlord-insurance.pdf#page=4", "page": 4, "document_sha256": "c6307ebc5e00087585edddc76c288917411e4cb366f0b3b7bbef8e8e7c52fecd", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the building hasn’t been occupied for more than 60 continuous days.", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the building hasn’t been occupied for more than 60 continuous days.", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-insurance-pds.pdf#page=17", "page": 17, "document_sha256": "55f533dc5c3e9787a9297ef63c123b29136a25b0a4a63cd901c32f5a6787a325", "confirmed": "2026-11-13" } }, "unoccupied_excess": { "text": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the building or unit hasn’t been occupied for more than 60 continuous days", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-aig.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the building or unit hasn’t been occupied for more than 60 continuous days", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-aig.pdf#page=2", "page": 2, "document_sha256": "5a9f33d3156c6764188a39d5e2730dbcc28c2ddc1ed39463638e5b9f40615046", "confirmed": "2026-11-13" } } }, "conditions": [ "Complete Replacement Cover is an optional alternative to a building sum insured (PDS: 'Complete Replacement Cover option').", "Tenant Protection is an optional cover.", "The PDS lists accidental breakage of glass as a cover but the landlord PDS does not offer an accidental damage cover for the building; accidental damage left null because no clear statement was found." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1000, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Occupied means furnished, someone eating and sleeping there, and utilities connected, so a vacancy between tenants counts.", "then": null, "label": "Extra $1,000 excess after 60 days" }, "id": "landlord-insurance-property-cover", "type_label": "Landlord", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "AAMI Business Insurance (Policy Section 1 - Property damage)", "type": "business_property", "segment": "commercial", "channel": "direct", "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": "Australian-based businesses with turnover under $10m a year that have buildings, contents or stock at the premises.", "states": null, "documents": [ { "title": "Business Insurance Policy PDS and Policy Wording (A03630)", "url": "https://www.aami.com.au/assets/documents/aami/business/aami-business-ins-pds-a03630-260824-b.pdf", "date": "2024-08-26" }, { "title": "Flood Supplementary PDS", "url": "https://www.aami.com.au/assets/documents/aami/business/a03822-071223-a-aami-business-insurance-flood-spds.pdf", "date": "2023-12-07" }, { "title": "Target Market Determination", "url": "https://www.aami.com.au/assets/documents/aami/business/a03794-25-06-25-b-aami-business-insurance-tmd.pdf", "date": "2025-06-25" } ], "quotes": { "product": { "text": "Get cover for your commercial property, contents, and stock against accidental damage and loss or damage from insured events like storm*, fire* and explosions.", "url": "https://www.aami.com.au/business-insurance/commercial-property.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Get cover for your commercial property, contents, and stock against accidental damage and loss or damage from insured events like storm*, fire* and explosions.", "url": "https://www.aami.com.au/business-insurance/commercial-property.html#:~:text=Get%20cover%20for%20your%20commercial,like%20storm%2A%2C%20fire%2A%20and%20explosions.", "document_sha256": "5940c00638dbdd34d0007eb6472b8599740eb210f718a46beb6337756d072658", "confirmed": "2026-11-13" } }, "channel": { "text": "distribution of this product must be conducted through our policy administration system through the following distribution channels: websites; and contact centres;", "url": "https://www.aami.com.au/assets/documents/aami/business/a03794-25-06-25-b-aami-business-insurance-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "distribution of this product must be conducted through our policy administration system through the following distribution channels: websites; and contact centres;", "url": "https://www.aami.com.au/assets/documents/aami/business/a03794-25-06-25-b-aami-business-insurance-tmd.pdf#page=5", "page": 5, "document_sha256": "a24b66a0bd184d0fbc8a05ebde5b4ff2d21b198d8c06c6488caa31478e419cdc", "confirmed": "2026-11-13" } }, "flood": { "text": "The following additional Insured Event is added under the heading ‘Insured Events’ in this Policy Section: 12. FLOOD What we cover LOSS or DAMAGE caused by FLOOD", "url": "https://www.aami.com.au/assets/documents/aami/business/a03822-071223-a-aami-business-insurance-flood-spds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The following additional Insured Event is added under the heading ‘Insured Events’ in this Policy Section: 12. FLOOD What we cover LOSS or DAMAGE caused by FLOOD", "url": "https://www.aami.com.au/assets/documents/aami/business/a03822-071223-a-aami-business-insurance-flood-spds.pdf#page=1", "page": 1, "document_sha256": "011a7078e8feb06c53d9f06a3e5e7e6cc5e153f10dbb3882d771b27b47a49a6f", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Where your policy schedule shows that you have chosen to insure for ‘Accidental Damage’", "url": "https://www.aami.com.au/assets/documents/aami/business/aami-business-ins-pds-a03630-260824-b.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Where your policy schedule shows that you have chosen to insure for ‘Accidental Damage’", "url": "https://www.aami.com.au/assets/documents/aami/business/aami-business-ins-pds-a03630-260824-b.pdf#page=43", "page": 43, "document_sha256": "d066f1d1d0d97ee4050b09735280e35e2ce1457ec91ef859c1f117a136c82485", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Customers who operate an Australian-based business on an ongoing basis and have a turnover less than $10m a year;", "url": "https://www.aami.com.au/assets/documents/aami/business/a03794-25-06-25-b-aami-business-insurance-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Customers who operate an Australian-based business on an ongoing basis and have a turnover less than $10m a year;", "url": "https://www.aami.com.au/assets/documents/aami/business/a03794-25-06-25-b-aami-business-insurance-tmd.pdf#page=4", "page": 4, "document_sha256": "a24b66a0bd184d0fbc8a05ebde5b4ff2d21b198d8c06c6488caa31478e419cdc", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.", "url": "https://www.aami.com.au/assets/documents/aami/business/aami-business-ins-pds-a03630-260824-b.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.", "url": "https://www.aami.com.au/assets/documents/aami/business/aami-business-ins-pds-a03630-260824-b.pdf#page=18", "page": 18, "document_sha256": "d066f1d1d0d97ee4050b09735280e35e2ce1457ec91ef859c1f117a136c82485", "confirmed": "2026-11-13" } } }, "conditions": [ "Property damage is one policy section of the AAMI Business Insurance policy; buildings are covered only if you own them and the section is shown on your schedule.", "Flood, bushfire and grass fire are not covered in the first 72 hours of a new policy or when property damage cover is added.", "Accidental damage is an insured event only where the schedule shows it was chosen, and is limited to $250,000 or the total insured amounts, whichever is less.", "A building used principally as a residence is treated as a home building and falls under a retail TMD." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Counts when unoccupied, or untenanted if you own the building. Unless AAMI agreed in writing (may add premium, conditions or a higher excess).", "then": null, "label": "No cover after 60 days" }, "id": "business-insurance-policy-section-1-property-damage", "type_label": "Business property", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "AAMI Strata Insurance", "type": "residential_strata", "segment": "residential", "channel": "direct", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "included", "accidental_damage": "included", "levels": [], "states": null, "documents": [ { "title": "Strata Insurance Product Disclosure Statement", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-pds.pdf", "date": "2024-10-15" }, { "title": "Strata Insurance Target Market Determination", "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-strata-insurance.pdf", "date": "2025-06-25" }, { "title": "Strata Insurance Additional Information Guide", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-aig.pdf", "date": null } ], "quotes": { "product": { "text": "Comprehensive cover for strata titled buildings (including common property)", "url": "https://www.aami.com.au/home-insurance/strata", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Comprehensive cover for strata titled buildings (including common property)", "url": "https://www.aami.com.au/home-insurance/strata#:~:text=Comprehensive%20cover%20for%20strata%20titled%20buildings%20%28including%20common%20property%29", "document_sha256": "0fc1bec0ae6972612cb46ca18a557bea578aa160d14183e538b4d3682de245c8", "confirmed": "2026-11-13" } }, "channel": { "text": "Call us for a quote", "url": "https://www.aami.com.au/home-insurance/strata", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Call us for a quote", "url": "https://www.aami.com.au/home-insurance/strata#:~:text=Call%20us%20for%20a%20quote", "document_sha256": "0fc1bec0ae6972612cb46ca18a557bea578aa160d14183e538b4d3682de245c8", "confirmed": "2026-11-13" } }, "flood": { "text": "the insured incidents listed in this policy like storms, floods, and fires (including bushfire)", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "the insured incidents listed in this policy like storms, floods, and fires (including bushfire)", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-pds.pdf#page=7", "page": 7, "document_sha256": "2877e3a9be62101f8bc54115dd37f430efd1ca5237e8ff16a61fc731bed0d442", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "accidental damage not caused by or arising from any of the insured incidents listed in this policy.", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "accidental damage not caused by or arising from any of the insured incidents listed in this policy.", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-pds.pdf#page=7", "page": 7, "document_sha256": "2877e3a9be62101f8bc54115dd37f430efd1ca5237e8ff16a61fc731bed0d442", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Cover for loss or damage to an entire residential building that has multiple dwellings where it is for a body corporate, owners corporation, strata company or where there is no strata title entity, provided the owner owns the entire property", "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-strata-insurance.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for loss or damage to an entire residential building that has multiple dwellings where it is for a body corporate, owners corporation, strata company or where there is no strata title entity, provided the owner owns the entire property", "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-strata-insurance.pdf#page=3", "page": 3, "document_sha256": "56dd3434824937dc7af4368d408a3539f7c5a1e404292b1308b71cf8005fa1ee", "confirmed": "2026-11-13" } }, "online_quote": { "text": "Call us for a quote", "url": "https://www.aami.com.au/home-insurance/strata", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Call us for a quote", "url": "https://www.aami.com.au/home-insurance/strata#:~:text=Call%20us%20for%20a%20quote", "document_sha256": "0fc1bec0ae6972612cb46ca18a557bea578aa160d14183e538b4d3682de245c8", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "If at the time of the incident covered by your policy, 50% or more of the lots at the strata building at the insured address haven’t been occupied for a period of more than 60 continuous days.", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If at the time of the incident covered by your policy, 50% or more of the lots at the strata building at the insured address haven’t been occupied for a period of more than 60 continuous days.", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-pds.pdf#page=18", "page": 18, "document_sha256": "2877e3a9be62101f8bc54115dd37f430efd1ca5237e8ff16a61fc731bed0d442", "confirmed": "2026-11-13" } }, "unoccupied_excess": { "text": "The unoccupied excess is $1,000", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-aig.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The unoccupied excess is $1,000", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-aig.pdf#page=2", "page": 2, "document_sha256": "8133879a44401e7cb55cb27ba25b3067f80400252c0f818bbc057d5608847fb9", "confirmed": "2026-11-13" } } }, "eligibility": "Body corporates, owners corporations and strata companies (or an owner of a whole multi-dwelling residential building) wanting building and common property cover for small residential strata buildings.", "conditions": [ "Cover is for the strata building and common property, arranged by the body corporate, owners corporation or strata manager; it is not for individual unit owners' contents.", "Strata cover for flood, storm, storm surge and tsunami does not start until 72 hours after the policy begins (very limited exceptions).", "We don’t offer cover for buildings with more than ten units or separate dwellings, or buildings with more than three storeys or levels." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1000, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Applies only when 50% or more of the lots have not been occupied (furnished, lived in, utilities on).", "then": null, "label": "Extra $1,000 excess after 60 days" }, "id": "strata-insurance", "type_label": "Residential strata", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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 insurance is issued by AAI Limited ABN 48 005 297 807 AFSL No. 230859 trading as AAMI", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This insurance is issued by AAI Limited ABN 48 005 297 807 AFSL No. 230859 trading as AAMI", "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-pds.pdf#page=104", "page": 104, "document_sha256": "c8ed9fc6fa8e869a95cecb1fcf6bcf66e48bdac1f651334295abc9cf4c4c0edd", "confirmed": "2026-11-13" } } }, "curation_notes": "Both PDSs are dated 4 October 2024 (TMDs updated 27 June 2025). Older PDS/KFS files remain on the AAMI policy-documents page; the current files named in the page's main links were used. | The August 2024 PDS (A03630) lists insured events 1-11 with no flood event, and its storm event excludes flood 'unless otherwise covered by a specific endorsement'; the December 2023 Flood SPDS and the website (72-hour flood waiting period) indicate flood is now an insured event. Flood is recorded as included on the strength of the SPDS but the PDS text is not consistent with it. The older 2017 PDS at /aami/documents/business/business-insurance/pds-pol-word-business.pdf is still live and says flood is excluded. The website's commercial property page says 'Call 13 22 44 for a quote'; online quote left null.", "segments": [ "residential", "commercial" ], "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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/aami/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/aami.json" }, { "slug": "aant", "name": "AANT", "website": "https://www.aant.com.au/", "kind": "brand", "underwriter": "Insurance Australia Limited", "underwriter_abn": "11000016722", "underwriter_afsl": "227681", "lloyds": false, "distributor": { "name": "Automobile Association of Northern Territory Inc.", "abn": "13431478529", "afsl": null, "authorised_representative_no": null }, "products": [ { "name": "AANT Home Insurance (Home Building Standard and Plus)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "choice", "buffer_percent": 25, "flood": "included", "accidental_damage": "optional", "levels": [ "Home Building Standard", "Home Building Plus" ], "eligibility": "Owners of a private residential building such as a free standing house, townhouse, villa or duplex (TMD).", "states": [ "NT" ], "documents": [ { "title": "Home Insurance PDS and Policy Booklet (prepared 24 February 2025)", "url": "https://www.cgu.com.au/documents/aant/home/pds", "date": "2025-02-24" }, { "title": "Key Facts Sheet - Home Building (prepared 10 August 2026)", "url": "https://www.cgu.com.au/documents/cgu-partners/home-building/kfs", "date": "2026-08-10" }, { "title": "Target Market Determination - Home Buildings/Contents (IAG TMDHBC006, effective 27 April 2026)", "url": "https://www.iag.com.au/tmd/tmdhbc006", "date": "2026-04-27" } ], "quotes": { "product": { "text": "For more comprehensive coverage, consider choosing Home Building Plus when you get a quote.", "url": "https://www.aant.com.au/insurance/home/building", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "For more comprehensive coverage, consider choosing Home Building Plus when you get a quote.", "url": "https://www.aant.com.au/insurance/home/building#:~:text=For%20more%20comprehensive%20coverage%2C%20consider,when%20you%20get%20a%20quote.", "document_sha256": "815c2e6b12ca5313a2752c756206cf565bde1d60882f450ae137007974880346", "confirmed": "2026-11-13" } }, "channel": { "text": "This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency, or premises visit)", "url": "https://www.iag.com.au/tmd/tmdhbc006", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency, or premises visit)", "url": "https://www.iag.com.au/tmd/tmdhbc006#page=4", "page": 4, "document_sha256": "b40663432153af308bf40fd1a4070d656460d2af3b806c3d5bc76d7214e463d0", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Home Building Plus gives you: A Safety Net of an extra 25% on top of your sum insured, if your home needs to be rebuilt or repaired", "url": "https://www.aant.com.au/insurance/home/building", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Home Building Plus gives you: A Safety Net of an extra 25% on top of your sum insured, if your home needs to be rebuilt or repaired", "url": "https://www.aant.com.au/insurance/home/building#:~:text=Home%20Building%20Plus%20gives%20you%3A,to%20be%20rebuilt%20or%20repaired", "document_sha256": "815c2e6b12ca5313a2752c756206cf565bde1d60882f450ae137007974880346", "confirmed": "2026-11-13" } }, "buffer_percent": { "text": "Safety net If Your Home suffers loss or damage as a result of an Incident We have agreed to cover under ‘Cover for loss or damage to Your Home and Contents’ and the cost to repair or rebuild Your Home is higher than the ‘Building’ Sum Insured, We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.", "url": "https://www.cgu.com.au/documents/aant/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Safety net If Your Home suffers loss or damage as a result of an Incident We have agreed to cover under ‘Cover for loss or damage to Your Home and Contents’ and the cost to repair or rebuild Your Home is higher than the ‘Building’ Sum Insured, We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.", "url": "https://www.cgu.com.au/documents/aant/home/pds#page=22", "page": 22, "document_sha256": "c1830930d95a7f7d0686d640e69db4d4594e3d0c66bcad34e779d75aa1c2d213", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood Yes Covered as Flood or Rainwater Run-off.", "url": "https://www.cgu.com.au/documents/cgu-partners/home-building/kfs", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood Yes Covered as Flood or Rainwater Run-off.", "url": "https://www.cgu.com.au/documents/cgu-partners/home-building/kfs#page=1", "page": 1, "document_sha256": "48ddf90ed3ae6f5da76eeb2b587b36030603d48a5bc5762e6cf990225dc4e35f", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Accidental damage – at Your Home Automatically included if You have cover for: ‘Building Plus’; or ‘Contents Plus’ Available if You have cover for: ‘Building Standard’; or ‘Contents Standard’", "url": "https://www.cgu.com.au/documents/aant/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Accidental damage – at Your Home Automatically included if You have cover for: ‘Building Plus’; or ‘Contents Plus’ Available if You have cover for: ‘Building Standard’; or ‘Contents Standard’", "url": "https://www.cgu.com.au/documents/aant/home/pds#page=23", "page": 23, "document_sha256": "c1830930d95a7f7d0686d640e69db4d4594e3d0c66bcad34e779d75aa1c2d213", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex", "url": "https://www.iag.com.au/tmd/tmdhbc006", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex", "url": "https://www.iag.com.au/tmd/tmdhbc006#page=1", "page": 1, "document_sha256": "b40663432153af308bf40fd1a4070d656460d2af3b806c3d5bc76d7214e463d0", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Your Home being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/aant/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Your Home being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/aant/home/pds#page=26", "page": 26, "document_sha256": "c1830930d95a7f7d0686d640e69db4d4594e3d0c66bcad34e779d75aa1c2d213", "confirmed": "2026-11-13" } } }, "conditions": [ "Safety net (extra 25% of the building sum insured) comes with Home Building Plus; Standard cover is a plain sum insured.", "Accidental damage at your home is automatically included with Building Plus and optional with Building Standard.", "KFS: no flood cover for the first 14 days after taking out the policy." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Only if also not kept in a lived-in state (lawns mowed, mail and newspapers stopped, someone checking inside and out weekly).", "then": null, "label": "No cover after 60 days" }, "id": "home-insurance-home-building-standard-and-plus", "type_label": "Home building", "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "AANT Landlord Insurance (Landlord Buildings)", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "choice", "buffer_percent": 25, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": "Owners of a private residential rental building such as a free standing house, townhouse, villa or duplex (TMD).", "states": [ "NT" ], "documents": [ { "title": "Landlord Insurance PDS and Policy Booklet (prepared 24 February 2025)", "url": "https://www.cgu.com.au/documents/aant/landlord/pds", "date": "2025-02-24" }, { "title": "Target Market Determination - Landlord Buildings/Contents (IAG TMDLBC007, effective 27 April 2026)", "url": "https://www.iag.com.au/tmd/tmdlbc007", "date": "2026-04-27" } ], "quotes": { "product": { "text": "Safeguard your investment Home Insurance Home Landlord Insurance Renting out your property?", "url": "https://www.aant.com.au/insurance/home/landlord", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Safeguard your investment Home Insurance Home Landlord Insurance Renting out your property?", "url": "https://www.aant.com.au/insurance/home/landlord#:~:text=Safeguard%20your%20investment%20Home%20Insurance,Insurance%20Renting%20out%20your%20property%3F", "document_sha256": "39a3cd855e9498198a2ffdac431d50758016d51e567692c3c1bb18e6c5918461", "confirmed": "2026-11-13" } }, "channel": { "text": "This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency, or premises visit)", "url": "https://www.iag.com.au/tmd/tmdlbc007", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency, or premises visit)", "url": "https://www.iag.com.au/tmd/tmdlbc007#page=3", "page": 3, "document_sha256": "90b5c640ee91d528e40e6e03094f189d86a83ac813a221534fa60ecf0d3d3ae4", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "We will pay the reasonable extra costs to repair or rebuild Your Rental Property up to 25% of the ‘Building’ Sum Insured. This optional benefit is payable in addition to the ‘Building’ Sum Insured.", "url": "https://www.cgu.com.au/documents/aant/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We will pay the reasonable extra costs to repair or rebuild Your Rental Property up to 25% of the ‘Building’ Sum Insured. This optional benefit is payable in addition to the ‘Building’ Sum Insured.", "url": "https://www.cgu.com.au/documents/aant/landlord/pds#page=18", "page": 18, "document_sha256": "72e9206be7d252baddca1dbf325731147e2777c579c9bb4881075a45999476aa", "confirmed": "2026-11-13" } }, "buffer_percent": { "text": "We will pay the reasonable extra costs to repair or rebuild Your Rental Property up to 25% of the ‘Building’ Sum Insured. This optional benefit is payable in addition to the ‘Building’ Sum Insured.", "url": "https://www.cgu.com.au/documents/aant/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We will pay the reasonable extra costs to repair or rebuild Your Rental Property up to 25% of the ‘Building’ Sum Insured. This optional benefit is payable in addition to the ‘Building’ Sum Insured.", "url": "https://www.cgu.com.au/documents/aant/landlord/pds#page=18", "page": 18, "document_sha256": "72e9206be7d252baddca1dbf325731147e2777c579c9bb4881075a45999476aa", "confirmed": "2026-11-13" } }, "flood": { "text": "Explosion Fire Flood or Rainwater Run-off Impact Lightning Riot or civil commotion Storm", "url": "https://www.cgu.com.au/documents/aant/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Explosion Fire Flood or Rainwater Run-off Impact Lightning Riot or civil commotion Storm", "url": "https://www.cgu.com.au/documents/aant/landlord/pds#page=4", "page": 4, "document_sha256": "72e9206be7d252baddca1dbf325731147e2777c579c9bb4881075a45999476aa", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex", "url": "https://www.iag.com.au/tmd/tmdlbc007", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex", "url": "https://www.iag.com.au/tmd/tmdlbc007#page=1", "page": 1, "document_sha256": "90b5c640ee91d528e40e6e03094f189d86a83ac813a221534fa60ecf0d3d3ae4", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/aant/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/aant/landlord/pds#page=19", "page": 19, "document_sha256": "72e9206be7d252baddca1dbf325731147e2777c579c9bb4881075a45999476aa", "confirmed": "2026-11-13" } } }, "conditions": [ "Safety net (extra 25% of the building sum insured) is an optional benefit on landlord policies.", "The PDS lists accidental breakage of glass and damage by occupant but no separate optional accidental damage cover for the building, so that field is null.", "Policy documents are issued by CGU (Insurance Australia Limited); the KFS used is CGU's generic partner home-building KFS linked from AANT's documents page." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Only if also not kept in a lived-in state (lawns mowed, mail and newspapers stopped, someone checking inside and out weekly).", "then": null, "label": "No cover after 60 days" }, "id": "landlord-insurance-landlord-buildings", "type_label": "Landlord", "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand.", "url": "https://www.cgu.com.au/documents/aant/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand.", "url": "https://www.cgu.com.au/documents/aant/home/pds#page=2", "page": 2, "document_sha256": "c1830930d95a7f7d0686d640e69db4d4594e3d0c66bcad34e779d75aa1c2d213", "confirmed": "2026-11-13" } }, "distributor": { "text": "Automobile Association of Northern Territory Inc. (AANT) ABN 13 431 478 529, acts as an authorised representative under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681, under the CGU brand in distributing Home Insurance.", "url": "https://www.cgu.com.au/documents/aant/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Automobile Association of Northern Territory Inc. (AANT) ABN 13 431 478 529, acts as an authorised representative under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681, under the CGU brand in distributing Home Insurance.", "url": "https://www.cgu.com.au/documents/aant/home/pds#page=2", "page": 2, "document_sha256": "c1830930d95a7f7d0686d640e69db4d4594e3d0c66bcad34e779d75aa1c2d213", "confirmed": "2026-11-13" } } }, "curation_notes": "AANT is a distributor (authorised representative); cover is issued by Insurance Australia Limited under the CGU brand. The documents page links an AANT-specific PDS plus a generic CGU partner KFS. No high-value-home product found.", "segments": [ "residential" ], "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": null, "page": "https://deepalmanac.com/au/insurance/building/aant/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/aant.json" }, { "slug": "agile", "name": "Agile Underwriting Services", "website": "https://withagile.com/", "kind": "underwriting_agency", "underwriter": "Certain Underwriters at Lloyd's (led by Syndicate 2427)", "underwriter_abn": null, "underwriter_afsl": null, "lloyds": true, "distributor": null, "products": [ { "name": "Agile Industrial Special Risks (ISR) Fire & Crime", "type": "isr", "segment": "industrial", "channel": null, "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "eligibility": "ISR risks up to AUD 10 million capacity (lead or follow); territorial scope Australia, New Zealand, ASEAN and Pacific Islands (non-US). Excludes mining (underground/open cut, except accommodation), petrochemical and energy.", "states": null, "documents": [ { "title": "ISR Fire & Crime Policy Wording / PDS (ISR-F&C-AU-20260701)", "url": "https://withagile.com/wp-content/uploads/2026/08/ISR-FC-AU-20260701-PDS-1.pdf", "date": "2026-07-01" }, { "title": "Industrial Special Risks Proposal Form", "url": "https://withagile.com/wp-content/uploads/2026/08/Agile-Industrial-Special-Risks-Prop-Form-1.pdf", "date": null }, { "title": "Target Market Determinations", "url": "https://withagile.com/target-market-determinations/", "date": null } ], "quotes": { "product": { "text": "ISR with capacity up to $10m.", "url": "https://withagile.com/lines-of-business/australia/property/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "ISR with capacity up to $10m.", "url": "https://withagile.com/lines-of-business/australia/property/#:~:text=ISR%20with%20capacity%20up%20to%20%2410m.", "document_sha256": "673dee2d83c5322c3fa3e8b9519b2fad46161c8ff0ec1f4f506f108ada8e33eb", "confirmed": "2026-11-13" } }, "flood": { "text": "FLOODXB4 - Flood Paragraph (a) of Perils Exclusion 3 is deleted if cover for ‘Flood’ is included in the Policy Schedule.", "url": "https://withagile.com/wp-content/uploads/2026/08/ISR-FC-AU-20260701-PDS-1.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "FLOODXB4 - Flood Paragraph (a) of Perils Exclusion 3 is deleted if cover for ‘Flood’ is included in the Policy Schedule.", "url": "https://withagile.com/wp-content/uploads/2026/08/ISR-FC-AU-20260701-PDS-1.pdf#page=46", "page": 46, "document_sha256": "2302e875ae7b161d9786799295d0256c9a1ffa9ecc87ad4e813596f0a6f4d8a5", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Whether you’re working with standard ISR or need something a little more bespoke, we’ve got the capacity to assist up to AUD 10 million, lead or follow for Direct, Facultative, Wholesale, Coverholder or Lineslip requirements.", "url": "https://withagile.com/lines-of-business/australia/property/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Whether you’re working with standard ISR or need something a little more bespoke, we’ve got the capacity to assist up to AUD 10 million, lead or follow for Direct, Facultative, Wholesale, Coverholder or Lineslip requirements.", "url": "https://withagile.com/lines-of-business/australia/property/#:~:text=Whether%20you%E2%80%99re%20working%20with%20standard,Wholesale%2C%20Coverholder%20or%20Lineslip%20requirements.", "document_sha256": "673dee2d83c5322c3fa3e8b9519b2fad46161c8ff0ec1f4f506f108ada8e33eb", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "whereby any premises containing any property insured hereunder shall become unoccupied, and so remain for a period of more than thirty days;", "url": "https://withagile.com/wp-content/uploads/2026/08/ISR-FC-AU-20260701-PDS-1.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "whereby any premises containing any property insured hereunder shall become unoccupied, and so remain for a period of more than thirty days;", "url": "https://withagile.com/wp-content/uploads/2026/08/ISR-FC-AU-20260701-PDS-1.pdf#page=39", "page": 39, "document_sha256": "2302e875ae7b161d9786799295d0256c9a1ffa9ecc87ad4e813596f0a6f4d8a5", "confirmed": "2026-11-13" } } }, "conditions": [ "Flood is excluded unless the Flood endorsement is included in the schedule.", "Appetite includes commercial property owners, warehousing, manufacturing and engineering, food preparation, abattoirs, temperature-controlled storage (EPS), hospitality, retail and healthcare.", "Not covered: underground/open-cut mining (excluding accommodation), petrochemical facilities, onshore/offshore energy." ], "unoccupied": { "days": 30, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Insurer not liable for loss caused or contributed to by it, unless notified and agreed in writing (extra premium may apply).", "then": null, "label": "No cover after 30 days" }, "id": "industrial-special-risks-isr-fire-crime", "type_label": "Industrial special risks (ISR)", "issuers": [ { "name": "Certain Underwriters at Lloyd's (led by Syndicate 2427)", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] } ], "quotes": { "underwriter": { "text": "The Underwriters are certain Underwriter at Lloyd’s led by Syndicate 2427 for Agile Underwriting Services Pty Ltd.", "url": "https://withagile.com/wp-content/uploads/2026/08/ISR-FC-AU-20260701-PDS-1.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Underwriters are certain Underwriter at Lloyd’s led by Syndicate 2427 for Agile Underwriting Services Pty Ltd.", "url": "https://withagile.com/wp-content/uploads/2026/08/ISR-FC-AU-20260701-PDS-1.pdf#page=11", "page": 11, "document_sha256": "2302e875ae7b161d9786799295d0256c9a1ffa9ecc87ad4e813596f0a6f4d8a5", "confirmed": "2026-11-13" } }, "agency": { "text": "Agile Underwriting Services Pty Ltd (ABN 48 607 908 243 — AFS Licence No. 483374) is located at Suite 1, Level 6 171 Clarence St Sydney NSW 2000.", "url": "https://withagile.com/lines-of-business/australia/property/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Agile Underwriting Services Pty Ltd (ABN 48 607 908 243 — AFS Licence No. 483374) is located at Suite 1, Level 6 171 Clarence St Sydney NSW 2000.", "url": "https://withagile.com/lines-of-business/australia/property/#:~:text=Agile%20Underwriting%20Services%20Pty%20Ltd,Clarence%20St%20Sydney%20NSW%202000.", "document_sha256": "673dee2d83c5322c3fa3e8b9519b2fad46161c8ff0ec1f4f506f108ada8e33eb", "confirmed": "2026-11-13" } } }, "curation_notes": "Agile Underwriting Services Pty Ltd (ABN 48 607 908 243, AFSL 483374) issues the PDS as Lloyd's coverholder; it is not the insurer, so no underwriter ABN/AFSL recorded. Quotes via Agile's partner online platform (access by request).", "segments": [ "industrial" ], "issuers": [ { "name": "Certain Underwriters at Lloyd's (led by Syndicate 2427)", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ], "distributor_licence": null, "page": "https://deepalmanac.com/au/insurance/building/agile/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/agile.json" }, { "slug": "aig", "name": "AIG", "website": "https://www.aig.com.au/", "kind": "insurer", "underwriter": "AIG Australia Limited", "underwriter_abn": "93004727753", "underwriter_afsl": "381686", "lloyds": false, "distributor": null, "products": [ { "name": "AIG SME Business Package", "type": "business_property", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Small and medium businesses; non-preferred risks include over $10m in assets, north of the 26th parallel, rural/remote locations and asbestos construction. Property Owner is a preferred industry.", "states": null, "documents": [ { "title": "Why AIG - SME Business Package brochure (2024)", "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/business/why-aig-sme-business-package.pdf", "date": "2024-08" } ], "quotes": { "product": { "text": "AIG Australia offers a complete risk management solution, providing tailored coverage for a broad range of small and medium sized businesses.", "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/business/why-aig-sme-business-package.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "AIG Australia offers a complete risk management solution, providing tailored coverage for a broad range of small and medium sized businesses.", "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/business/why-aig-sme-business-package.pdf#page=1", "page": 1, "document_sha256": "76b4700b9a63a975da89ef4617bff2eee3d1c8ccc1f55385e4e3d757e91e6a63", "confirmed": "2026-11-13" } }, "channel": { "text": "Package insurance from AIG is only available through intermediated channels.", "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/business/why-aig-sme-business-package.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Package insurance from AIG is only available through intermediated channels.", "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/business/why-aig-sme-business-package.pdf#page=1", "page": 1, "document_sha256": "76b4700b9a63a975da89ef4617bff2eee3d1c8ccc1f55385e4e3d757e91e6a63", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Over $10m in assets", "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/business/why-aig-sme-business-package.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Over $10m in assets", "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/business/why-aig-sme-business-package.pdf#page=1", "page": 1, "document_sha256": "76b4700b9a63a975da89ef4617bff2eee3d1c8ccc1f55385e4e3d757e91e6a63", "confirmed": "2026-11-13" } } }, "conditions": [ "Property Owner is listed as a preferred industry.", "Whether a buildings section exists and how flood is treated could not be checked: no PDS, policy wording or TMD for the package was found on aig.com.au." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "sme-business-package", "type_label": "Business property", "issuers": [ { "name": "AIG Australia Limited", "abn": "93004727753", "afsl": "381686", "lloyds": false, "slug": "aig-australia", "apra": { "status": "authorised", "name": "AIG Australia 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": "381686", "name": "AIG AUSTRALIA LIMITED", "abn": "93004727753", "acn": null, "licensed_since": "2011-01-11", "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": "AIG Property (ISR) - Corporate & Major Accounts", "type": "isr", "segment": "industrial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Businesses with total insurable assets (property, contents and business interruption values) greater than AUD$750m; AIG can deploy capacity up to USD$750m.", "states": null, "documents": [ { "title": "Property Product Profile - Major Accounts Commercial Property (for brokers)", "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/property/aig-au-property-major-product-profile.pdf", "date": null } ], "quotes": { "product": { "text": "Why Property (ISR) Corporate & Major Accounts", "url": "https://www.aig.com.au/home/risk-solutions/property", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Why Property (ISR) Corporate & Major Accounts", "url": "https://www.aig.com.au/home/risk-solutions/property#:~:text=Why%20Property%20%28ISR%29%20Corporate%20%26%20Major%20Accounts", "document_sha256": "d51f3570e11a6b18d6c1714e23a3aac813caebfacd995758330195a5ea293a4d", "confirmed": "2026-11-13" } }, "channel": { "text": "For any enquiries about purchasing, renewing or making a claim on an AIG business policy, please contact your insurance broker or find a broker", "url": "https://www.aig.com.au/home/risk-solutions/property", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "For any enquiries about purchasing, renewing or making a claim on an AIG business policy, please contact your insurance broker or find a broker", "url": "https://www.aig.com.au/home/risk-solutions/property#:~:text=For%20any%20enquiries%20about%20purchasing%2C,broker%20or%20find%20a%20broker", "document_sha256": "d51f3570e11a6b18d6c1714e23a3aac813caebfacd995758330195a5ea293a4d", "confirmed": "2026-11-13" } }, "eligibility": { "text": "This service is tailored for businesses with total insurable assets, including Property, Contents, and Business Interruption Values, greater than AUD$750m.", "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/property/aig-au-property-major-product-profile.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This service is tailored for businesses with total insurable assets, including Property, Contents, and Business Interruption Values, greater than AUD$750m.", "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/property/aig-au-property-major-product-profile.pdf#page=1", "page": 1, "document_sha256": "cd847a8ee32da382ec125d345da0c85db037e2c005aee12eff4e0be2caee7462", "confirmed": "2026-11-13" } } }, "conditions": [ "Page lists non-preferred risks: National Rail / Freight Networks, Unprotected Warehousing, Waste Management, Food & Beverage (EPS)." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "property-isr-corporate-major-accounts", "type_label": "Industrial special risks (ISR)", "issuers": [ { "name": "AIG Australia Limited", "abn": "93004727753", "afsl": "381686", "lloyds": false, "slug": "aig-australia", "apra": { "status": "authorised", "name": "AIG Australia 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": "381686", "name": "AIG AUSTRALIA LIMITED", "abn": "93004727753", "acn": null, "licensed_since": "2011-01-11", "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": "AIG Commercial Property - Middle Market", "type": "isr", "segment": "industrial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Businesses with total insurable assets (property, contents and business interruption values) up to AUD$750m.", "states": null, "documents": [ { "title": "Property Product Profile - Middle Market Commercial Property (for brokers)", "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/property/aig-au-property-mid-market-product-profile.pdf", "date": null } ], "quotes": { "product": { "text": "Product Profile Middle Market Commercial Property", "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/property/aig-au-property-mid-market-product-profile.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Product Profile Middle Market Commercial Property", "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/property/aig-au-property-mid-market-product-profile.pdf#page=1", "page": 1, "document_sha256": "887d72e490e512418cfcc266db76185cec70b999deefadccebac327a27762a5a", "confirmed": "2026-11-13" } }, "channel": { "text": "For any enquiries about purchasing, renewing or making a claim on an AIG business policy, please contact your insurance broker or find a broker", "url": "https://www.aig.com.au/home/risk-solutions/property", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "For any enquiries about purchasing, renewing or making a claim on an AIG business policy, please contact your insurance broker or find a broker", "url": "https://www.aig.com.au/home/risk-solutions/property#:~:text=For%20any%20enquiries%20about%20purchasing%2C,broker%20or%20find%20a%20broker", "document_sha256": "d51f3570e11a6b18d6c1714e23a3aac813caebfacd995758330195a5ea293a4d", "confirmed": "2026-11-13" } }, "eligibility": { "text": "This service is tailored for businesses with total insurable assets, including Property, Contents, and Business Interruption values up to AUD$750m.", "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/property/aig-au-property-mid-market-product-profile.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This service is tailored for businesses with total insurable assets, including Property, Contents, and Business Interruption values up to AUD$750m.", "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/property/aig-au-property-mid-market-product-profile.pdf#page=1", "page": 1, "document_sha256": "887d72e490e512418cfcc266db76185cec70b999deefadccebac327a27762a5a", "confirmed": "2026-11-13" } } }, "conditions": [ "Product profile is a broker document; no public wording." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "commercial-property-middle-market", "type_label": "Industrial special risks (ISR)", "issuers": [ { "name": "AIG Australia Limited", "abn": "93004727753", "afsl": "381686", "lloyds": false, "slug": "aig-australia", "apra": { "status": "authorised", "name": "AIG Australia 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": "381686", "name": "AIG AUSTRALIA LIMITED", "abn": "93004727753", "acn": null, "licensed_since": "2011-01-11", "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": "Insurance products and services are provided by AIG Australia Limited ABN 93 004 727 753 AFSL 381686.", "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/business/why-aig-sme-business-package.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Insurance products and services are provided by AIG Australia Limited ABN 93 004 727 753 AFSL 381686.", "url": "https://www.aig.com.au/content/dam/aig/apac/australia/documents-new/business/why-aig-sme-business-package.pdf#page=2", "page": 2, "document_sha256": "76b4700b9a63a975da89ef4617bff2eee3d1c8ccc1f55385e4e3d757e91e6a63", "confirmed": "2026-11-13" } } }, "curation_notes": "Only the broker brochure was available. The brochure's 'Over $10m in assets' is listed under 'Non-preferred Risks', not as a hard limit. | Product profile PDFs are marked 'For brokers'. Search results referenced an orgn-aigau1 staging host; published URLs use www.aig.com.au.", "segments": [ "commercial", "industrial" ], "issuers": [ { "name": "AIG Australia Limited", "abn": "93004727753", "afsl": "381686", "lloyds": false, "slug": "aig-australia", "apra": { "status": "authorised", "name": "AIG Australia 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": "381686", "name": "AIG AUSTRALIA LIMITED", "abn": "93004727753", "acn": null, "licensed_since": "2011-01-11", "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": null, "page": "https://deepalmanac.com/au/insurance/building/aig/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/aig.json" }, { "slug": "allianz", "name": "Allianz", "website": "https://www.allianz.com.au/", "kind": "insurer", "underwriter": "Allianz Australia Insurance Limited", "underwriter_abn": "15000122850", "underwriter_afsl": "234708", "lloyds": false, "distributor": null, "products": [ { "name": "Allianz Home Insurance", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "choice", "buffer_percent": 30, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": "Owner-occupiers of a house (not strata units); buildings cover.", "states": null, "documents": [ { "title": "Allianz Home Insurance PDS (purchased from 20 July 2025)", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf", "date": null }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSDIHomeITMPB00112241224/$FILE/KFSDIHomeITMPB0011224.pdf", "date": "2024-12-16" }, { "title": "Home Building and Home Contents Insurance TMD", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLHBC1050725/$FILE/TMDHL_HBC105.pdf", "date": "2025-07-20" } ], "quotes": { "product": { "text": "Allianz Australia Insurance Limited, ABN 15 000 122 850 AFS Licence No. 234708 is the issuer of Allianz Home Insurance.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Allianz Australia Insurance Limited, ABN 15 000 122 850 AFS Licence No. 234708 is the issuer of Allianz Home Insurance.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf#page=3", "page": 3, "document_sha256": "2f7fa6575d4f49c7f5c37861d0398ae02842543eb891877e7aa1ddb49a97696e", "confirmed": "2026-11-13" } }, "channel": { "text": "Products under this TMD are distributed online through the Insurer’s website and/or by calling our contact centre.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLHBC1050725/$FILE/TMDHL_HBC105.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Products under this TMD are distributed online through the Insurer’s website and/or by calling our contact centre.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLHBC1050725/$FILE/TMDHL_HBC105.pdf#page=5", "page": 5, "document_sha256": "c57f17a41b2c5278a354d6e6a36ba9947750edf7ce04241dfc6488f78a3224bf", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "What’s optional? Accidental damage cover Motor burnout Portable contents cover Rebuild safety net", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "What’s optional? Accidental damage cover Motor burnout Portable contents cover Rebuild safety net", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf#page=5", "page": 5, "document_sha256": "2f7fa6575d4f49c7f5c37861d0398ae02842543eb891877e7aa1ddb49a97696e", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood Yes Not covered for loss or damage caused by flood or flood water combined with runoff and/or rainwater, if such loss or damage occurs within 72 hours after you first take out or increase the cover under the policy.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSDIHomeITMPB00112241224/$FILE/KFSDIHomeITMPB0011224.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood Yes Not covered for loss or damage caused by flood or flood water combined with runoff and/or rainwater, if such loss or damage occurs within 72 hours after you first take out or increase the cover under the policy.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSDIHomeITMPB00112241224/$FILE/KFSDIHomeITMPB0011224.pdf#page=1", "page": 1, "document_sha256": "c0e27822f8d19848a66aa9f55bb7ec29e26224f456daa3942916ecbc55522172", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Persons that own and occupy their home buildings that want cover against:", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLHBC1050725/$FILE/TMDHL_HBC105.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Persons that own and occupy their home buildings that want cover against:", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLHBC1050725/$FILE/TMDHL_HBC105.pdf#page=3", "page": 3, "document_sha256": "c57f17a41b2c5278a354d6e6a36ba9947750edf7ce04241dfc6488f78a3224bf", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Optional cover for accidental damage under your Home Building Insurance.", "url": "https://www.allianz.com.au/home-insurance/accidental-damage.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Optional cover for accidental damage under your Home Building Insurance.", "url": "https://www.allianz.com.au/home-insurance/accidental-damage.html#:~:text=Optional%20cover%20for%20accidental%20damage%20under%20your%20Home%20Building%20Insurance.", "document_sha256": "059c8c02e85c7fe343a5562c967b128d4606e9196e16510a0bd61969a3eed46c", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or theft was caused or contributed to, by your buildings not being lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Loss, damage or theft was caused or contributed to, by your buildings not being lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf#page=52", "page": 52, "document_sha256": "2f7fa6575d4f49c7f5c37861d0398ae02842543eb891877e7aa1ddb49a97696e", "confirmed": "2026-11-13" } }, "unoccupied_excess": { "text": "Each time you make a claim while your property is unoccupied for the agreed period unless your policy states otherwise. This excess applies in addition to any other excess. This excess is $1,000", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Each time you make a claim while your property is unoccupied for the agreed period unless your policy states otherwise. This excess applies in addition to any other excess. This excess is $1,000", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf#page=65", "page": 65, "document_sha256": "2f7fa6575d4f49c7f5c37861d0398ae02842543eb891877e7aa1ddb49a97696e", "confirmed": "2026-11-13" } } }, "conditions": [ "Rebuild safety net is an optional benefit that pays up to an additional 30% of the buildings sum insured once the sum insured is exceeded.", "72-hour exclusion period applies to flood and cyclone on new policies or increased cover (not on renewals).", "Older Allianz policies (purchased before 20 July 2025) have different PDS versions; flood was optional on policies starting before 14 January 2025." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": 1000, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unless Allianz agreed in writing beforehand (not unreasonably withheld); a $1,000 unoccupancy excess then applies. Lived in means someone eating and sleeping there two consecutive nights.", "then": null, "label": "No cover after 60 days" }, "id": "home-insurance", "type_label": "Home building", "issuers": [ { "name": "Allianz Australia Insurance Limited", "abn": "15000122850", "afsl": "234708", "lloyds": false, "slug": "allianz-australia-insurance", "apra": { "status": "authorised", "name": "Allianz Australia Insurance Limited", "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": { "afsl": "234708", "name": "ALLIANZ AUSTRALIA INSURANCE LIMITED", "abn": "15000122850", "acn": null, "licensed_since": "2004-01-05", "locality": "Sydney NSW 2000", "source": { "dataset": "ASIC AFS Licensee dataset", "url": "https://data.gov.au/data/dataset/asic-afs-licensee", "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv", "last_modified": "2026-11-11T20:51:07.739275", "licence": "Creative Commons Attribution 3.0 Australia" }, "general_insurance": true, "disagreements": [] } } ] }, { "name": "Allianz Landlord Insurance", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "choice", "buffer_percent": 30, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": "Owners of residential buildings rented to a residential tenant.", "states": null, "documents": [ { "title": "Allianz Landlord Insurance PDS (purchased from 20 July 2025)", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1419DIR042520250720/$FILE/POL1419DIR.pdf", "date": null }, { "title": "Key Facts Sheet - Landlord Building", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSDILandlordITMPB00112241224/$FILE/KFSDILandlordITMPB0011224.pdf", "date": null }, { "title": "Landlord Insurance TMD", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLLLP1060725/$FILE/TMDHL_LLP106.pdf", "date": "2025-07-20" } ], "quotes": { "product": { "text": "Allianz Australia Insurance Limited, ABN 15 000 122 850 AFS Licence No. 234708 is the issuer of Allianz Landlord Insurance.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1419DIR042520250720/$FILE/POL1419DIR.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Allianz Australia Insurance Limited, ABN 15 000 122 850 AFS Licence No. 234708 is the issuer of Allianz Landlord Insurance.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1419DIR042520250720/$FILE/POL1419DIR.pdf#page=3", "page": 3, "document_sha256": "89bd2ccfb8ecd68c53d6effbe6a41091da20bbbc4617af7d12f8069915811a97", "confirmed": "2026-11-13" } }, "channel": { "text": "Products under this TMD are distributed online through the Insurer’s website and/or by calling our contact centre.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLLLP1060725/$FILE/TMDHL_LLP106.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Products under this TMD are distributed online through the Insurer’s website and/or by calling our contact centre.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLLLP1060725/$FILE/TMDHL_LLP106.pdf#page=6", "page": 6, "document_sha256": "8132c3db877330f02dee74c0544a5cf0ccbb81090660c93140b86b720c2d584f", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "What’s optional? Motor burnout Rebuild safety net Rent default by tenant", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1419DIR042520250720/$FILE/POL1419DIR.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "What’s optional? Motor burnout Rebuild safety net Rent default by tenant", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1419DIR042520250720/$FILE/POL1419DIR.pdf#page=5", "page": 5, "document_sha256": "89bd2ccfb8ecd68c53d6effbe6a41091da20bbbc4617af7d12f8069915811a97", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood Yes Not covered for loss or damage caused by flood or flood water combined with runoff and/or rainwater, if such loss or damage occurs within 72 hours after you first take out or increase the cover under the policy.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSDILandlordITMPB00112241224/$FILE/KFSDILandlordITMPB0011224.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood Yes Not covered for loss or damage caused by flood or flood water combined with runoff and/or rainwater, if such loss or damage occurs within 72 hours after you first take out or increase the cover under the policy.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSDILandlordITMPB00112241224/$FILE/KFSDILandlordITMPB0011224.pdf#page=1", "page": 1, "document_sha256": "dbdf20c2412573e7408aec3fe2d5a7301e766a0d09f15d98c9fc7eeead154975", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Persons that own residential buildings that they rent out to a residential tenant that want cover against:", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLLLP1060725/$FILE/TMDHL_LLP106.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Persons that own residential buildings that they rent out to a residential tenant that want cover against:", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDHLLLP1060725/$FILE/TMDHL_LLP106.pdf#page=4", "page": 4, "document_sha256": "8132c3db877330f02dee74c0544a5cf0ccbb81090660c93140b86b720c2d584f", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or theft was caused or contributed to, by your buildings not being lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1419DIR042520250720/$FILE/POL1419DIR.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Loss, damage or theft was caused or contributed to, by your buildings not being lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1419DIR042520250720/$FILE/POL1419DIR.pdf#page=49", "page": 49, "document_sha256": "89bd2ccfb8ecd68c53d6effbe6a41091da20bbbc4617af7d12f8069915811a97", "confirmed": "2026-11-13" } }, "unoccupied_excess": { "text": "Each time you make a claim while your property is unoccupied for the agreed occupancy period. This excess applies in addition to any other excess. This excess is $1,000.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1419DIR042520250720/$FILE/POL1419DIR.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Each time you make a claim while your property is unoccupied for the agreed occupancy period. This excess applies in addition to any other excess. This excess is $1,000.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1419DIR042520250720/$FILE/POL1419DIR.pdf#page=62", "page": 62, "document_sha256": "89bd2ccfb8ecd68c53d6effbe6a41091da20bbbc4617af7d12f8069915811a97", "confirmed": "2026-11-13" } } }, "conditions": [ "Rebuild safety net is an optional benefit that pays up to an additional 30% of the buildings sum insured once the sum insured is exceeded.", "Optional rent default by tenant cover.", "The landlord PDS lists no optional accidental damage cover for buildings." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": 1000, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unless Allianz agreed in writing beforehand (not unreasonably withheld); a $1,000 unoccupancy excess then applies. No separate allowance for the gap between tenants.", "then": null, "label": "No cover after 60 days" }, "id": "landlord-insurance", "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": [] } } ] }, { "name": "Allianz Business Insurance Pack", "type": "business_property", "segment": "commercial", "channel": "direct", "online_quote": true, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": "included", "levels": [], "eligibility": "Small and medium businesses; acceptance criteria apply to each cover based on the business and the risks insured. Commercial Property insures business premises, contents and stock; Business Interruption, Theft, Money and Electronic Equipment sections need Commercial Property.", "states": null, "documents": [ { "title": "Allianz Business Insurance Pack PDS (policies effective from 14 June 2026), POL1013", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1013BASBD042620260614/$FILE/POL1013BA_SBD.pdf", "date": "2026-06-14" } ], "quotes": { "product": { "text": "Add any of the following to your Business Insurance Pack: Commercial Vehicle, General Property, Commercial Property, Business Interruption, Glass and more.", "url": "https://www.allianz.com.au/business-insurance/business-pack.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Add any of the following to your Business Insurance Pack: Commercial Vehicle, General Property, Commercial Property, Business Interruption, Glass and more.", "url": "https://www.allianz.com.au/business-insurance/business-pack.html#:~:text=Add%20any%20of%20the%20following,Business%20Interruption%2C%20Glass%20and%20more.", "document_sha256": "cc25c0e97844813d8983a7b07b5240063a38d9d402104ebbd2ebe34e0055a424", "confirmed": "2026-11-13" } }, "channel": { "text": "Note: Public Liability Insurance is automatically included when you quote online. For a quote without Public Liability cover, contact our specialist Business team on 1300 131 000.", "url": "https://www.allianz.com.au/business-insurance/business-pack.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Note: Public Liability Insurance is automatically included when you quote online. For a quote without Public Liability cover, contact our specialist Business team on 1300 131 000.", "url": "https://www.allianz.com.au/business-insurance/business-pack.html#:~:text=Note%3A%20Public%20Liability%20Insurance%20is,team%20on%201300%20131%20000.", "document_sha256": "cc25c0e97844813d8983a7b07b5240063a38d9d402104ebbd2ebe34e0055a424", "confirmed": "2026-11-13" } }, "online_quote": { "text": "Cover for a reduction in business turnover is available to purchase online.", "url": "https://www.allianz.com.au/business-insurance/business-pack.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for a reduction in business turnover is available to purchase online.", "url": "https://www.allianz.com.au/business-insurance/business-pack.html#:~:text=Cover%20for%20a%20reduction%20in,is%20available%20to%20purchase%20online.", "document_sha256": "cc25c0e97844813d8983a7b07b5240063a38d9d402104ebbd2ebe34e0055a424", "confirmed": "2026-11-13" } }, "flood": { "text": "There is an option to apply for cover for Flood under the Commercial Property Section.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1013BASBD042620260614/$FILE/POL1013BA_SBD.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "There is an option to apply for cover for Flood under the Commercial Property Section.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1013BASBD042620260614/$FILE/POL1013BA_SBD.pdf#page=7", "page": 7, "document_sha256": "150e596970e3594acc1ebac5720298bd28db9ee11646d88848fb07413018c85a", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "This Section covers You for Property Insured that is accidentally Damaged at the Situation during the Period of Insurance which is not otherwise excluded", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1013BASBD042620260614/$FILE/POL1013BA_SBD.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Section covers You for Property Insured that is accidentally Damaged at the Situation during the Period of Insurance which is not otherwise excluded", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1013BASBD042620260614/$FILE/POL1013BA_SBD.pdf#page=7", "page": 7, "document_sha256": "150e596970e3594acc1ebac5720298bd28db9ee11646d88848fb07413018c85a", "confirmed": "2026-11-13" } }, "eligibility": { "text": "These eligibility criteria are subject to change from time to time and We will advise You of any criteria that may apply at the time of Your application.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1013BASBD042620260614/$FILE/POL1013BA_SBD.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "These eligibility criteria are subject to change from time to time and We will advise You of any criteria that may apply at the time of Your application.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1013BASBD042620260614/$FILE/POL1013BA_SBD.pdf#page=7", "page": 7, "document_sha256": "150e596970e3594acc1ebac5720298bd28db9ee11646d88848fb07413018c85a", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "the Policy does not provide any cover at a Building after the Building has been Unoccupied for more than 60 consecutive days.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1013BASBD042620260614/$FILE/POL1013BA_SBD.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "the Policy does not provide any cover at a Building after the Building has been Unoccupied for more than 60 consecutive days.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1013BASBD042620260614/$FILE/POL1013BA_SBD.pdf#page=19", "page": 19, "document_sha256": "150e596970e3594acc1ebac5720298bd28db9ee11646d88848fb07413018c85a", "confirmed": "2026-11-13" } } }, "conditions": [ "The policy does not automatically provide flood cover; flood is an optional benefit under the Commercial Property section, shown on the Schedule where Allianz agrees to provide it.", "Some covers are only available if Commercial Property is also bought.", "Phone quotes (1300 131 000) are needed for some Business Interruption options; some covers can be bought online.", "No separate TMD for this pack was found on Allianz's TMD page (only commercial motor TMDs are listed under Business)." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": "lightning, earthquake, subterranean fire, impact by vehicles, animals, trees, aircraft, falling masts or buildings", "must_tell": null, "conditions": "Unoccupied means left vacant even if contents remain. Unless Allianz agreed in writing (extra premium may apply); cover resumes when occupied again.", "then": null, "label": "No cover after 60 days (a few events excepted)" }, "id": "business-insurance-pack", "type_label": "Business property", "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": "Allianz Office Pack", "type": "office_pack", "segment": "commercial", "channel": null, "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": "included", "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Allianz Office Pack PDS (policies effective from 14 June 2026), POL963", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL963BAFI042620260614/$FILE/POL963BA_FI.pdf", "date": "2026-06-14" } ], "quotes": { "product": { "text": "The insurer of this product is Allianz Australia Insurance Limited ABN 15 000 122 850 (Allianz) AFS Licence No. 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL963BAFI042620260614/$FILE/POL963BA_FI.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this product is Allianz Australia Insurance Limited ABN 15 000 122 850 (Allianz) AFS Licence No. 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL963BAFI042620260614/$FILE/POL963BA_FI.pdf#page=2", "page": 2, "document_sha256": "075bc5575d9b652b2dab8ad97ee8a89dc88fae93db7b2607c2db9d3b572914ba", "confirmed": "2026-11-13" } }, "flood": { "text": "There is an option to apply for cover for Flood under the Material Damage Section and the Business Interruption Section.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL963BAFI042620260614/$FILE/POL963BA_FI.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "There is an option to apply for cover for Flood under the Material Damage Section and the Business Interruption Section.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL963BAFI042620260614/$FILE/POL963BA_FI.pdf#page=6", "page": 6, "document_sha256": "075bc5575d9b652b2dab8ad97ee8a89dc88fae93db7b2607c2db9d3b572914ba", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "This Section covers You for Property Insured that is Accidentally Damaged at the Situation during the Period of Insurance which is not otherwise excluded", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL963BAFI042620260614/$FILE/POL963BA_FI.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Section covers You for Property Insured that is Accidentally Damaged at the Situation during the Period of Insurance which is not otherwise excluded", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL963BAFI042620260614/$FILE/POL963BA_FI.pdf#page=6", "page": 6, "document_sha256": "075bc5575d9b652b2dab8ad97ee8a89dc88fae93db7b2607c2db9d3b572914ba", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "the Policy does not provide any cover at a Building after the Building has been Unoccupied for more than 60 consecutive days.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL963BAFI042620260614/$FILE/POL963BA_FI.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "the Policy does not provide any cover at a Building after the Building has been Unoccupied for more than 60 consecutive days.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL963BAFI042620260614/$FILE/POL963BA_FI.pdf#page=17", "page": 17, "document_sha256": "075bc5575d9b652b2dab8ad97ee8a89dc88fae93db7b2607c2db9d3b572914ba", "confirmed": "2026-11-13" } } }, "conditions": [ "Office Pack appears only on Allianz's policy documents page; no marketing page or sales channel was found, so channel is unknown.", "Material Damage covers Property Insured shown on the Schedule; the PDS defines Building and Contents, but whether buildings can be insured as an owner was not checked." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": "lightning, earthquake, subterranean fire, impact by vehicles, animals, trees, aircraft, falling masts or buildings", "must_tell": null, "conditions": "Unoccupied means left vacant even if contents remain. Unless Allianz agreed in writing (extra premium may apply); cover resumes when occupied again.", "then": null, "label": "No cover after 60 days (a few events excepted)" }, "id": "office-pack", "type_label": "Office pack", "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": "Allianz Industrial Special Risks Mark V", "type": "isr", "segment": "industrial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Industrial Special Risks Mark V Policy Document (POL566 1025)", "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL566BA/$File/POL566BA.pdf", "date": "2025-10-03" } ], "quotes": { "product": { "text": "Welcome and thank You for choosing the Allianz Industrial Special Risk Mark V Policy.", "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL566BA/$File/POL566BA.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Welcome and thank You for choosing the Allianz Industrial Special Risk Mark V Policy.", "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL566BA/$File/POL566BA.pdf#page=4", "page": 4, "document_sha256": "0b714477130da5c2e11d58bfbad1047cf23512d9fa2ec46f2844f5586a996e90", "confirmed": "2026-11-13" } }, "channel": { "text": "For all enquiries please talk to your broker", "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL566BA/$File/POL566BA.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "For all enquiries please talk to your broker", "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL566BA/$File/POL566BA.pdf#page=28", "page": 28, "document_sha256": "0b714477130da5c2e11d58bfbad1047cf23512d9fa2ec46f2844f5586a996e90", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "any premises being Property Insured or containing any Property Insured having become unoccupied and remaining unoccupied for a continuous period in excess of thirty (30) days unless the Insurer shall have been notified and shall have agreed to extend cover.", "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL566BA/$File/POL566BA.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "any premises being Property Insured or containing any Property Insured having become unoccupied and remaining unoccupied for a continuous period in excess of thirty (30) days unless the Insurer shall have been notified and shall have agreed to extend cover.", "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL566BA/$File/POL566BA.pdf#page=15", "page": 15, "document_sha256": "0b714477130da5c2e11d58bfbad1047cf23512d9fa2ec46f2844f5586a996e90", "confirmed": "2026-11-13" } } }, "conditions": [ "Policy document only; no public minimum sum insured or occupation list.", "Flood is a defined term and appears in the Section 1 'circumstances where cover is excluded' list (clause 6.2.3), subject to provisos; not recorded as included or optional." ], "unoccupied": { "days": 30, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unless the insurer was notified and agreed to extend cover.", "then": null, "label": "No cover after 30 days" }, "id": "industrial-special-risks-mark-v", "type_label": "Industrial special risks (ISR)", "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": "Allianz Industrial Special Risks Mark IV", "type": "isr", "segment": "industrial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Industrial Special Risks Mark IV Policy Document (POL565 1025)", "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL565BA/$File/POL565BA.pdf", "date": "2025-10-13" } ], "quotes": { "product": { "text": "Welcome and thank You for choosing the Allianz Industrial Special Risk Mark IV Policy.", "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL565BA/$File/POL565BA.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Welcome and thank You for choosing the Allianz Industrial Special Risk Mark IV Policy.", "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL565BA/$File/POL565BA.pdf#page=4", "page": 4, "document_sha256": "25136b71a3ed683761cc66e982b807e2ca59b8d605d415bce8609a011f72863e", "confirmed": "2026-11-13" } }, "channel": { "text": "For all enquiries please talk to your broker", "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL565BA/$File/POL565BA.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "For all enquiries please talk to your broker", "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL565BA/$File/POL565BA.pdf#page=28", "page": 28, "document_sha256": "25136b71a3ed683761cc66e982b807e2ca59b8d605d415bce8609a011f72863e", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "(c) whereby any premises containing any property insured hereunder shall become unoccupied, and so remain for a period of more than thirty days; or", "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL565BA/$File/POL565BA.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "(c) whereby any premises containing any property insured hereunder shall become unoccupied, and so remain for a period of more than thirty days; or", "url": "https://www.allianz.com.au/openCurrentPolicyDocument/POL565BA/$File/POL565BA.pdf#page=23", "page": 23, "document_sha256": "25136b71a3ed683761cc66e982b807e2ca59b8d605d415bce8609a011f72863e", "confirmed": "2026-11-13" } } }, "conditions": [ "Both Mark IV and Mark V wordings are currently published (both dated October 2025)." ], "unoccupied": { "days": 30, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Insurer not liable for loss caused or contributed to by it, unless notified and agreed in writing (extra premium may apply).", "then": null, "label": "No cover after 30 days" }, "id": "industrial-special-risks-mark-iv", "type_label": "Industrial special risks (ISR)", "issuers": [ { "name": "Allianz Australia Insurance Limited", "abn": "15000122850", "afsl": "234708", "lloyds": false, "slug": "allianz-australia-insurance", "apra": { "status": "authorised", "name": "Allianz Australia Insurance Limited", "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": { "afsl": "234708", "name": "ALLIANZ AUSTRALIA INSURANCE LIMITED", "abn": "15000122850", "acn": null, "licensed_since": "2004-01-05", "locality": "Sydney NSW 2000", "source": { "dataset": "ASIC AFS Licensee dataset", "url": "https://data.gov.au/data/dataset/asic-afs-licensee", "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv", "last_modified": "2026-11-11T20:51:07.739275", "licence": "Creative Commons Attribution 3.0 Australia" }, "general_insurance": true, "disagreements": [] } } ] } ], "quotes": { "underwriter": { "text": "Allianz Australia Insurance Limited, ABN 15 000 122 850 AFS Licence No. 234708 is the issuer of Allianz Home Insurance.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Allianz Australia Insurance Limited, ABN 15 000 122 850 AFS Licence No. 234708 is the issuer of Allianz Home Insurance.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1418DIR042520250720/$FILE/POL1418DIR.pdf#page=3", "page": 3, "document_sha256": "2f7fa6575d4f49c7f5c37861d0398ae02842543eb891877e7aa1ddb49a97696e", "confirmed": "2026-11-13" } } }, "curation_notes": "Allianz publishes many PDS/TMD versions by purchase date (before 14 Jan 2025 flood optional; 14 Jan-19 Jul 2025; from 20 Jul 2025; renewal policies from 21 Dec 2025). Recorded the current PDS for policies purchased from 20 July 2025. Allianz also underwrites other brands (e.g. RAA, CGU etc.) covered elsewhere. | Allianz Trades and Services Pack (POL986) also exists but is a trades product and was not examined. Allianz pages return 403 to curl; read via headless browser. | allianz.com.au blocks plain curl (403); HTML pages read in a headless browser and the PDFs downloaded through it. Allianz web pages for business insurance list Small Business, Business Pack, Strata and Workers' Comp but no ISR product page; the wording PDFs are the evidence.", "segments": [ "residential", "commercial", "industrial" ], "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": null, "page": "https://deepalmanac.com/au/insurance/building/allianz/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/allianz.json" }, { "slug": "allstate", "name": "Allstate Underwriting", "website": "https://allstateunderwriting.com.au/", "kind": "underwriting_agency", "underwriter": "Certain underwriters at Lloyd's", "underwriter_abn": null, "underwriter_afsl": null, "lloyds": true, "distributor": { "name": "Allstate Underwriting Agencies Pty Ltd", "abn": "51121066180", "afsl": null, "authorised_representative_no": "000306153" }, "products": [ { "name": "Allstate Business Insurance (Building and Contents section)", "type": "business_property", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Allstate Business Insurance Policy Wording (PDS) V1RT1805", "url": "https://allstateunderwriting.com.au/wp-content/uploads/2023/05/Allstate-Business-Insurance-Policy-Wording-V1RT1805.pdf", "date": "2023-05" } ], "quotes": { "product": { "text": "A customizable suite of insurance tailored to individual businesses.", "url": "https://allstateunderwriting.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "A customizable suite of insurance tailored to individual businesses.", "url": "https://allstateunderwriting.com.au/#:~:text=A%20customizable%20suite%20of%20insurance%20tailored%20to%20individual%20businesses.", "document_sha256": "c7405573872dcb819390a18d784f9b267a80436e407a22c7040c6e8684c2fb6d", "confirmed": "2026-11-13" } }, "channel": { "text": "The insurance products on this website can only be purchased through a broker.", "url": "https://allstateunderwriting.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurance products on this website can only be purchased through a broker.", "url": "https://allstateunderwriting.com.au/#:~:text=The%20insurance%20products%20on%20this,be%20purchased%20through%20a%20broker.", "document_sha256": "c7405573872dcb819390a18d784f9b267a80436e407a22c7040c6e8684c2fb6d", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or liability during any period in excess of 60 consecutive days during which the business locations are left unoccupied, unless with our prior written consent.", "url": "https://allstateunderwriting.com.au/wp-content/uploads/2023/05/Allstate-Business-Insurance-Policy-Wording-V1RT1805.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Loss, damage or liability during any period in excess of 60 consecutive days during which the business locations are left unoccupied, unless with our prior written consent.", "url": "https://allstateunderwriting.com.au/wp-content/uploads/2023/05/Allstate-Business-Insurance-Policy-Wording-V1RT1805.pdf#page=11", "page": 11, "document_sha256": "7c2a479197a986752cf6c02280cddf59dd040ae179b2f342ec2dc1c5e10cae2b", "confirmed": "2026-11-13" } } }, "conditions": [ "Policy wording is dated May 2023 (V1RT1805); the site says the insurers are now Berkshire Hathaway Specialty Insurance, Lloyd's and Mitsui Sumitomo, so the current wording may differ.", "Standard storm, wind and water cover excludes flood; no flood add-on was found in this wording.", "No Target Market Determination for the business product was found on the site (the TMDs listed are for Farm)." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Unless Allstate consented in writing beforehand. Occupied means used for business purposes for at least two consecutive days.", "then": null, "label": "No cover after 60 days" }, "id": "business-insurance-building-and-contents-section", "type_label": "Business property", "issuers": [ { "name": "Certain underwriters at Lloyd's", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] } ], "quotes": { "underwriter": { "text": "This policy is underwritten by Certain Underwriters at Lloyd’s of London, who are authorised under the Insurance Act 1973", "url": "https://allstateunderwriting.com.au/wp-content/uploads/2023/05/Allstate-Business-Insurance-Policy-Wording-V1RT1805.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This policy is underwritten by Certain Underwriters at Lloyd’s of London, who are authorised under the Insurance Act 1973", "url": "https://allstateunderwriting.com.au/wp-content/uploads/2023/05/Allstate-Business-Insurance-Policy-Wording-V1RT1805.pdf#page=2", "page": 2, "document_sha256": "7c2a479197a986752cf6c02280cddf59dd040ae179b2f342ec2dc1c5e10cae2b", "confirmed": "2026-11-13" } }, "distributor": { "text": "Allstate Underwriting Agencies Pty Ltd (ABN: 51 121 066 180) is an authorised representative (AR No: 000306153)", "url": "https://allstateunderwriting.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Allstate Underwriting Agencies Pty Ltd (ABN: 51 121 066 180) is an authorised representative (AR No: 000306153)", "url": "https://allstateunderwriting.com.au/#:~:text=Allstate%20Underwriting%20Agencies%20Pty%20Ltd,authorised%20representative%20%28AR%20No%3A%20000306153%29", "document_sha256": "c7405573872dcb819390a18d784f9b267a80436e407a22c7040c6e8684c2fb6d", "confirmed": "2026-11-13" } } }, "curation_notes": "Home page names three insurers (Berkshire Hathaway Specialty, Lloyd's, Mitsui Sumitomo) and says information is current at 19 Sept 2025; the 2023 wording says Lloyd's only. Site mentions a transition of the Farm product to Blue Zebra. Allstate Insurance Pty Ltd AFSL 239010 is the licensee of the authorised representative (seen in the PDF, not quoted verbatim). | Flood: the Storm, wind and water insured event excludes loss caused by 'sea, tidal wave, high water, flood' (policy wording table, 'Our exclusions' column); no standalone sentence, so flood is left null.", "segments": [ "commercial" ], "issuers": [ { "name": "Certain underwriters at Lloyd's", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ], "distributor_licence": null, "page": "https://deepalmanac.com/au/insurance/building/allstate/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/allstate.json" }, { "slug": "ansvar", "name": "Ansvar", "website": "https://www.ansvar.com.au/", "kind": "insurer", "underwriter": "Ansvar Insurance Limited", "underwriter_abn": "21007216506", "underwriter_afsl": "237826", "lloyds": false, "distributor": null, "products": [ { "name": "Ansvar Commercial Property Owners Insurance", "type": "commercial_landlord", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": "included", "levels": [], "eligibility": "Businesses or individuals who own commercial property, with a location limit of liability for Property Protection and Business Interruption up to $15,000,000; Australian locations only.", "states": null, "documents": [ { "title": "Product Disclosure Statement and Policy Wording (CPOP 0624 V1)", "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-Commercial-Property-Owners-PDS-and-Policy-Wording-0624-V1-1.pdf", "date": "2024-06" }, { "title": "Target Market Determination (effective 30/04/2026)", "url": "https://www.ansvar.com.au/wp-content/uploads/Commercial-Property-APRIL-2026-COMPROPTMD0426V6.pdf", "date": "2026-04-30" } ], "quotes": { "product": { "text": "This product is designed for businesses or individuals who own Commercial Property.", "url": "https://www.ansvar.com.au/wp-content/uploads/Commercial-Property-APRIL-2026-COMPROPTMD0426V6.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This product is designed for businesses or individuals who own Commercial Property.", "url": "https://www.ansvar.com.au/wp-content/uploads/Commercial-Property-APRIL-2026-COMPROPTMD0426V6.pdf#page=2", "page": 2, "document_sha256": "cdde356e0a7aed7efa5a97678c026c764ab0d0d29b022a6a786e520cae5b0f59", "confirmed": "2026-11-13" } }, "channel": { "text": "This product is available Australia wide through insurance brokers who have a broker agreement in place with Ansvar.", "url": "https://www.ansvar.com.au/wp-content/uploads/Commercial-Property-APRIL-2026-COMPROPTMD0426V6.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This product is available Australia wide through insurance brokers who have a broker agreement in place with Ansvar.", "url": "https://www.ansvar.com.au/wp-content/uploads/Commercial-Property-APRIL-2026-COMPROPTMD0426V6.pdf#page=4", "page": 4, "document_sha256": "cdde356e0a7aed7efa5a97678c026c764ab0d0d29b022a6a786e520cae5b0f59", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "This Section covers you for accidental damage to your insured property at the declared location(s).", "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-Commercial-Property-Owners-PDS-and-Policy-Wording-0624-V1-1.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Section covers you for accidental damage to your insured property at the declared location(s).", "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-Commercial-Property-Owners-PDS-and-Policy-Wording-0624-V1-1.pdf#page=5", "page": 5, "document_sha256": "be86af7046a0704544f9c5c2fee0c658a6459c3828ae82c6fa51d5158090b019", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Operators with a location limit of liability for Property Protection and Business Interruption (Income Protection) up to $15,000,000", "url": "https://www.ansvar.com.au/wp-content/uploads/Commercial-Property-APRIL-2026-COMPROPTMD0426V6.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Operators with a location limit of liability for Property Protection and Business Interruption (Income Protection) up to $15,000,000", "url": "https://www.ansvar.com.au/wp-content/uploads/Commercial-Property-APRIL-2026-COMPROPTMD0426V6.pdf#page=3", "page": 3, "document_sha256": "cdde356e0a7aed7efa5a97678c026c764ab0d0d29b022a6a786e520cae5b0f59", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "cover under the Property Protection, Money and Theft sections of Part A: Property and Business Interruption will cease if the location(s) becomes unoccupied for a period of more than 100 consecutive days.", "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-Commercial-Property-Owners-PDS-and-Policy-Wording-0624-V1-1.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "cover under the Property Protection, Money and Theft sections of Part A: Property and Business Interruption will cease if the location(s) becomes unoccupied for a period of more than 100 consecutive days.", "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-Commercial-Property-Owners-PDS-and-Policy-Wording-0624-V1-1.pdf#page=16", "page": 16, "document_sha256": "be86af7046a0704544f9c5c2fee0c658a6459c3828ae82c6fa51d5158090b019", "confirmed": "2026-11-13" } } }, "conditions": [ "Ansvar does not accept applications on a direct basis; a broker with an Ansvar agreement must arrange cover.", "The applicant can select some or all of the 7 sections, so Property Protection (which covers buildings, contents and stock) is a chosen section.", "Flood: the PDS lists Flood among the Property Protection additional benefits and refers to 'flood (if cover is provided)', but the wording extracted did not state clearly whether it is automatic or optional, so flood is recorded as null." ], "unoccupied": { "days": 100, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": "lightning, earthquake, volcanic eruption, subterranean fire, impact by vehicles, animals, trees, aircraft, falling masts or buildings", "must_tell": true, "conditions": "Unoccupied means left vacant even if contents remain. Cover continues only if Ansvar confirms it in writing.", "then": null, "label": "No cover after 100 days (a few events excepted)" }, "id": "commercial-property-owners-insurance", "type_label": "Commercial landlord", "issuers": [ { "name": "Ansvar Insurance Limited", "abn": "21007216506", "afsl": "237826", "lloyds": false, "slug": "ansvar-insurance", "apra": { "status": "authorised", "name": "Ansvar 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": "237826", "name": "ANSVAR INSURANCE LIMITED", "abn": "21007216506", "acn": null, "licensed_since": "2004-01-22", "locality": "Southbank VIC 3006", "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": "Ansvar Industrial Special Risks (Mark IV Modified)", "type": "isr", "segment": "industrial", "channel": null, "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Insurable asset values over $10 million; medium to large businesses or commercial property owners.", "states": null, "documents": [ { "title": "ISR Mark IV Consolidated Insurance Policy Wording (AUSPOLISR 0523 V1)", "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-ISR-Mark-IV-Consolidated-Insurance-Policy-Wording_AUSPOLISR-0523-V1.pdf", "date": "2023-05-01" } ], "quotes": { "product": { "text": "Our ISR Mark IV Modified insurance policy wording is designed to protect a medium to large business or commercial property owners against damage to their property (material loss) and/or financial loss cover (business interruption) as a result of property damage.", "url": "https://www.ansvar.com.au/industrial-special-risks/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Our ISR Mark IV Modified insurance policy wording is designed to protect a medium to large business or commercial property owners against damage to their property (material loss) and/or financial loss cover (business interruption) as a result of property damage.", "url": "https://www.ansvar.com.au/industrial-special-risks/#:~:text=Our%20ISR%20Mark%20IV%20Modified,a%20result%20of%20property%20damage.", "document_sha256": "500ebdff5d9559c1a203cdda894e58a990372fad0a243c11a2fd7ec7e66c51ad", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Our Industrial Special Risks Insurance (ISR) can provide material damage and/or financial loss cover as a result of property damage for insurable asset values over $10 million", "url": "https://www.ansvar.com.au/industrial-special-risks/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Our Industrial Special Risks Insurance (ISR) can provide material damage and/or financial loss cover as a result of property damage for insurable asset values over $10 million", "url": "https://www.ansvar.com.au/industrial-special-risks/#:~:text=Our%20Industrial%20Special%20Risks%20Insurance,asset%20values%20over%20%2410%20million", "document_sha256": "500ebdff5d9559c1a203cdda894e58a990372fad0a243c11a2fd7ec7e66c51ad", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "c) whereby any premises containing any Property Insured hereunder shall become unoccupied, and so remain for a period of more than sixty (60) days; or", "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-ISR-Mark-IV-Consolidated-Insurance-Policy-Wording_AUSPOLISR-0523-V1.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "c) whereby any premises containing any Property Insured hereunder shall become unoccupied, and so remain for a period of more than sixty (60) days; or", "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-ISR-Mark-IV-Consolidated-Insurance-Policy-Wording_AUSPOLISR-0523-V1.pdf#page=45", "page": 45, "document_sha256": "bed4a63916e2b96523eef2258f3e3c44119f685399851267c968fbb1d8f7f6cb", "confirmed": "2026-11-13" } } }, "conditions": [ "Flood is excluded or included by location; the wording refers to 'Flood (if cover is provided)'.", "Page directs larger (over $20m) commercial property owner risks to ISR.", "The wording excludes flood (Perils Exclusion 3) except where the policy provides flood cover, so whether flood is covered depends on the schedule." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Insurer not liable for loss caused or contributed to by it, unless notified and agreed in writing (extra premium may apply).", "then": null, "label": "No cover after 60 days" }, "id": "industrial-special-risks-mark-iv-modified", "type_label": "Industrial special risks (ISR)", "issuers": [ { "name": "Ansvar Insurance Limited", "abn": "21007216506", "afsl": "237826", "lloyds": false, "slug": "ansvar-insurance", "apra": { "status": "authorised", "name": "Ansvar 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": "237826", "name": "ANSVAR INSURANCE LIMITED", "abn": "21007216506", "acn": null, "licensed_since": "2004-01-22", "locality": "Southbank VIC 3006", "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": "Ansvar Insurance Limited (Ansvar Insurance), ABN 21 007 216 506, is the issuer of this insurance policy.", "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-Commercial-Property-Owners-PDS-and-Policy-Wording-0624-V1-1.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Ansvar Insurance Limited (Ansvar Insurance), ABN 21 007 216 506, is the issuer of this insurance policy.", "url": "https://www.ansvar.com.au/wp-content/uploads/Ansvar-Commercial-Property-Owners-PDS-and-Policy-Wording-0624-V1-1.pdf#page=4", "page": 4, "document_sha256": "be86af7046a0704544f9c5c2fee0c658a6459c3828ae82c6fa51d5158090b019", "confirmed": "2026-11-13" } }, "afsl": { "text": "Ansvar Insurance Limited (ABN 21 007 216 506, AFSL 237826)", "url": "https://www.ansvar.com.au/wp-content/uploads/Commercial-Property-APRIL-2026-COMPROPTMD0426V6.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Ansvar Insurance Limited (ABN 21 007 216 506, AFSL 237826)", "url": "https://www.ansvar.com.au/wp-content/uploads/Commercial-Property-APRIL-2026-COMPROPTMD0426V6.pdf#page=2", "page": 2, "document_sha256": "cdde356e0a7aed7efa5a97678c026c764ab0d0d29b022a6a786e520cae5b0f59", "confirmed": "2026-11-13" } } }, "curation_notes": "Flood treatment unresolved from PDS text; broker-only. Section selection: 'The applicant can select some or all of these sections, depending on their requirements.' (TMD) | No ISR TMD found on Ansvar's TMD page; ISR channel not explicitly stated (broker partners per site navigation), so left null for ISR.", "segments": [ "commercial", "industrial" ], "issuers": [ { "name": "Ansvar Insurance Limited", "abn": "21007216506", "afsl": "237826", "lloyds": false, "slug": "ansvar-insurance", "apra": { "status": "authorised", "name": "Ansvar 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": "237826", "name": "ANSVAR INSURANCE LIMITED", "abn": "21007216506", "acn": null, "licensed_since": "2004-01-22", "locality": "Southbank VIC 3006", "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/ansvar/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/ansvar.json" }, { "slug": "anz", "name": "ANZ", "website": "https://www.anz.com.au/", "kind": "brand", "underwriter": "Insurance Australia Limited", "underwriter_abn": "11000016722", "underwriter_afsl": "227681", "lloyds": false, "distributor": { "name": "Australia and New Zealand Banking Group Limited", "abn": "11005357522", "afsl": "234527", "authorised_representative_no": null }, "products": [ { "name": "ANZ Home Insurance (building cover)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "choice", "buffer_percent": 25, "flood": "included", "accidental_damage": "optional", "levels": [ "Building Standard", "Building Plus" ], "eligibility": null, "states": null, "documents": [ { "title": "ANZ Home Insurance PDS and Policy Booklet", "url": "https://www.cgu.com.au/documents/anz/home/pds", "date": "2026-05-01" }, { "title": "ANZ Home Building Key Facts Sheet", "url": "https://www.cgu.com.au/documents/anz/home/buildings/kfs", "date": null }, { "title": "ANZ Home Insurance Target Market Determination", "url": "https://www.iag.com.au/tmd/tmdhbc005", "date": "2026-06-14" } ], "quotes": { "product": { "text": "ANZ Home Insurance is underwritten by CGU and distributed by Australia and New Zealand Banking Group Limited ABN 11 005 357 522 AFSL 234527", "url": "https://www.cgu.com.au/documents/anz/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "ANZ Home Insurance is underwritten by CGU and distributed by Australia and New Zealand Banking Group Limited ABN 11 005 357 522 AFSL 234527", "url": "https://www.cgu.com.au/documents/anz/home/pds#page=1", "page": 1, "document_sha256": "d06ddf42b97b69b7d64e46bb7207ce5b28f6fb44c736fcb8c12ef59252bc77fc", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.", "url": "https://www.cgu.com.au/documents/anz/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.", "url": "https://www.cgu.com.au/documents/anz/home/pds#page=22", "page": 22, "document_sha256": "d06ddf42b97b69b7d64e46bb7207ce5b28f6fb44c736fcb8c12ef59252bc77fc", "confirmed": "2026-11-13" } }, "flood": { "text": "Covered as Flood or Rainwater Run-off.", "url": "https://www.cgu.com.au/documents/anz/home/buildings/kfs", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Covered as Flood or Rainwater Run-off.", "url": "https://www.cgu.com.au/documents/anz/home/buildings/kfs#page=1", "page": 1, "document_sha256": "5e9810729729ac277fa612b91e58a5f951d8b5c3dc3a26b4e272d8abcdd618b1", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Cover Building Plus Contents Plus Building Standard Contents Standard Accidental damage – at Your Home Optional Optional", "url": "https://www.cgu.com.au/documents/anz/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover Building Plus Contents Plus Building Standard Contents Standard Accidental damage – at Your Home Optional Optional", "url": "https://www.cgu.com.au/documents/anz/home/pds#page=5", "page": 5, "document_sha256": "d06ddf42b97b69b7d64e46bb7207ce5b28f6fb44c736fcb8c12ef59252bc77fc", "confirmed": "2026-11-13" } }, "channel": { "text": "If you’re new to ANZ, or not registered with ANZ Internet Banking, you can get a quote online.", "url": "https://www.anz.com.au/personal/insurance/home-insurance/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If you’re new to ANZ, or not registered with ANZ Internet Banking, you can get a quote online.", "url": "https://www.anz.com.au/personal/insurance/home-insurance/#:~:text=If%20you%E2%80%99re%20new%20to%20ANZ%2C,can%20get%20a%20quote%20online.", "document_sha256": "0884c8d8ffb6de3e7fba8ceb4066c2ac2bcd460ae543c610cea966f23f827ec6", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Your Home being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/anz/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Your Home being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/anz/home/pds#page=26", "page": 26, "document_sha256": "d06ddf42b97b69b7d64e46bb7207ce5b28f6fb44c736fcb8c12ef59252bc77fc", "confirmed": "2026-11-13" } } }, "conditions": [ "The 25% Safety net is available only with Building Plus.", "Accidental damage is an optional extra on both levels." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Only if also not kept in a lived-in state (lawns mowed, mail and newspapers stopped, someone checking inside and out weekly).", "then": null, "label": "No cover after 60 days" }, "id": "home-insurance-building-cover", "type_label": "Home building", "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "ANZ Landlord Insurance (building cover)", "type": "landlord", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "choice", "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "ANZ Landlord Insurance PDS", "url": "https://www.cgu.com.au/documents/anz/landlord/pds", "date": null } ], "quotes": { "product": { "text": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/anz/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/anz/landlord/pds#page=1", "page": 1, "document_sha256": "c18d29c76ee89bcc79cdf60588569495863cde79f2d6ef7bbf7605e80e332fb5", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Cover Building Contents Rent default Optional Optional Safety net Optional", "url": "https://www.cgu.com.au/documents/anz/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover Building Contents Rent default Optional Optional Safety net Optional", "url": "https://www.cgu.com.au/documents/anz/landlord/pds#page=4", "page": 4, "document_sha256": "c18d29c76ee89bcc79cdf60588569495863cde79f2d6ef7bbf7605e80e332fb5", "confirmed": "2026-11-13" } }, "flood": { "text": "Cover for loss or damage to Your Rental Property and Contents Accidental breakage of glass Animal damage Damage by occupant Deliberate or intentional act Earthquake Electrical motor burnout Escape of water or liquid Explosion Fire Flood or Rainwater Run-off Impact Lightning Riot or civil commotion Storm Storm Surge or tsunami Theft by Tenant Theft or attempted theft", "url": "https://www.cgu.com.au/documents/anz/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for loss or damage to Your Rental Property and Contents Accidental breakage of glass Animal damage Damage by occupant Deliberate or intentional act Earthquake Electrical motor burnout Escape of water or liquid Explosion Fire Flood or Rainwater Run-off Impact Lightning Riot or civil commotion Storm Storm Surge or tsunami Theft by Tenant Theft or attempted theft", "url": "https://www.cgu.com.au/documents/anz/landlord/pds#page=4", "page": 4, "document_sha256": "c18d29c76ee89bcc79cdf60588569495863cde79f2d6ef7bbf7605e80e332fb5", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/anz/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/anz/landlord/pds#page=20", "page": 20, "document_sha256": "c18d29c76ee89bcc79cdf60588569495863cde79f2d6ef7bbf7605e80e332fb5", "confirmed": "2026-11-13" } } }, "conditions": [ "Safety net is an optional benefit on the landlord policy." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Only if also not kept in a lived-in state (lawns mowed, mail and newspapers stopped, someone checking inside and out weekly).", "then": null, "label": "No cover after 60 days" }, "id": "landlord-insurance-building-cover", "type_label": "Landlord", "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/anz/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/anz/home/pds#page=1", "page": 1, "document_sha256": "d06ddf42b97b69b7d64e46bb7207ce5b28f6fb44c736fcb8c12ef59252bc77fc", "confirmed": "2026-11-13" } }, "distributor": { "text": "ANZ Home Insurance is underwritten by CGU and distributed by Australia and New Zealand Banking Group Limited ABN 11 005 357 522 AFSL 234527", "url": "https://www.cgu.com.au/documents/anz/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "ANZ Home Insurance is underwritten by CGU and distributed by Australia and New Zealand Banking Group Limited ABN 11 005 357 522 AFSL 234527", "url": "https://www.cgu.com.au/documents/anz/home/pds#page=1", "page": 1, "document_sha256": "d06ddf42b97b69b7d64e46bb7207ce5b28f6fb44c736fcb8c12ef59252bc77fc", "confirmed": "2026-11-13" } } }, "curation_notes": "ANZ's PDS is dated 1 May 2026 (newer than the 24 February 2025 CGU partner PDS used by Bendigo, P&N, Defence Bank and People First Bank); TMD effective 14 June 2026. ANZ home insurance was formerly sold under QBE; it is now CGU/IAG.", "segments": [ "residential" ], "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "234527", "name": "AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED", "abn": "11005357522", "acn": null, "licensed_since": "2003-10-01", "locality": "Docklands VIC 3008", "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/anz/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/anz.json" }, { "slug": "apia", "name": "Apia", "website": "https://www.apia.com.au/", "kind": "brand", "underwriter": "AAI Limited", "underwriter_abn": "48005297807", "underwriter_afsl": "230859", "lloyds": false, "distributor": { "name": "Australian Pensioners Insurance Agency Pty Ltd (trading as Apia)", "abn": "14099650996", "afsl": null, "authorised_representative_no": "239591" }, "products": [ { "name": "Apia Home and Contents Insurance (home building cover)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [ "Home and Contents", "Home and Contents Extra" ], "eligibility": "Owner-occupied homes for customers over 50 (or whose partner is); not for tenanted properties let to permanent tenants.", "states": null, "documents": [ { "title": "Home and Contents Insurance Product Disclosure Statement (prepared 17 February 2025)", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-pds-ap02580-21-06-25-a.pdf", "date": "2025-02-17" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-building-kfs-ap03514a-21-06-25-a.pdf", "date": "2025-02-17" }, { "title": "Target Market Determination - Home and Contents Insurance", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-tmd-ap03845-27-06-25-a-fa.pdf", "date": "2025-06-27" }, { "title": "Home and Contents Insurance Additional Information Guide", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-insurance-aig-ap03265-01-08-26-a-lr.pdf", "date": "2026-08-01" } ], "quotes": { "product": { "text": "To choose our Home Extra cover, add accidental damage cover when getting a quote online.", "url": "https://www.apia.com.au/home-insurance/home-building.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "To choose our Home Extra cover, add accidental damage cover when getting a quote online.", "url": "https://www.apia.com.au/home-insurance/home-building.html#:~:text=To%20choose%20our%20Home%20Extra,when%20getting%20a%20quote%20online.", "document_sha256": "f9837c464cbf8fbafbf0fb73c49d4d8856b37744e8d1e381daec42fa6f8c861f", "confirmed": "2026-11-13" } }, "channel": { "text": "Get a quote online Retrieve a quote Save 10% First Year Online Discount*", "url": "https://www.apia.com.au/home-insurance/home-building.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Get a quote online Retrieve a quote Save 10% First Year Online Discount*", "url": "https://www.apia.com.au/home-insurance/home-building.html#:~:text=Get%20a%20quote%20online%20Retrieve,10%25%20First%20Year%20Online%20Discount%2A", "document_sha256": "f9837c464cbf8fbafbf0fb73c49d4d8856b37744e8d1e381daec42fa6f8c861f", "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://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-building-kfs-ap03514a-21-06-25-a.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://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-building-kfs-ap03514a-21-06-25-a.pdf#page=1", "page": 1, "document_sha256": "5b8ae54f5a0c49de63fc4d08326660d8921256b279ca91f7c982f577bc616b38", "confirmed": "2026-11-13" } }, "flood": { "text": "Loss or damage caused by flood.", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-pds-ap02580-21-06-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Loss or damage caused by flood.", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-pds-ap02580-21-06-25-a.pdf#page=45", "page": 45, "document_sha256": "b76db4c042a67a9441e2aec79acfcaec83270be551210f5aaf4ca5a375470a24", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Apia products are also targeted at customers who are over 50 years of age (or their partner is).", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-tmd-ap03845-27-06-25-a-fa.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Apia products are also targeted at customers who are over 50 years of age (or their partner is).", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-tmd-ap03845-27-06-25-a-fa.pdf#page=2", "page": 2, "document_sha256": "ba4ecbe9b4d7cf4d40388bd72242586200a004234fdc64588c2d2f5282832401", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the home or unit hasn’t been occupied for more than 60 continuous days.", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-pds-ap02580-21-06-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the home or unit hasn’t been occupied for more than 60 continuous days.", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-pds-ap02580-21-06-25-a.pdf#page=18", "page": 18, "document_sha256": "b76db4c042a67a9441e2aec79acfcaec83270be551210f5aaf4ca5a375470a24", "confirmed": "2026-11-13" } }, "unoccupied_excess": { "text": "In addition to any other excesses applicable, an unoccupied excess of $500 will apply if at the time of the incident covered by your policy the home or unit hasn’t been occupied for more than 60 continuous days", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-insurance-aig-ap03265-01-08-26-a-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "In addition to any other excesses applicable, an unoccupied excess of $500 will apply if at the time of the incident covered by your policy the home or unit hasn’t been occupied for more than 60 continuous days", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-insurance-aig-ap03265-01-08-26-a-lr.pdf#page=1", "page": 1, "document_sha256": "9d5de3f0e10fd44f760f3e3bd33bc68551526239d4982aba536386b60e257533", "confirmed": "2026-11-13" } } }, "conditions": [ "Standard Apia Home and Contents cover has no general accidental damage cover (the KFS lists only limited accidental breakage of glass); accidental loss or damage is included only in the separate Home and Contents Extra level (see next product).", "No Safety Net-style buffer is described in the PDS; the most payable is the home sum insured unless otherwise stated.", "Flood is an insured event and the PDS does not offer removing it." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 500, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Occupied means furnished, someone eating and sleeping there, and utilities connected.", "then": null, "label": "Extra $500 excess after 60 days" }, "id": "home-and-contents-insurance-home-building-cover", "type_label": "Home building", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "Apia Home and Contents Extra Insurance (home building cover)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "included", "levels": [ "Home and Contents Extra" ], "eligibility": "Owner-occupied homes for customers over 50 (or whose partner is); not for tenanted properties let to permanent tenants.", "states": null, "documents": [ { "title": "Home and Contents Extra Insurance Product Disclosure Statement (prepared 17 February 2025)", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-pds-ap02655-21-06-25-a.pdf", "date": "2025-02-17" }, { "title": "Key Facts Sheet - Home Building (Extra)", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-building-extra-kfs-ap03512a-21-06-25-a.pdf", "date": "2025-02-17" }, { "title": "Target Market Determination - Home and Contents Extra Insurance", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-tmd-ap03847-27-06-25-a-fa.pdf", "date": "2025-06-27" }, { "title": "Home and Contents Extra Insurance Additional Information Guide", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-insurance-aig-ap03266-01-08-26-a-lr.pdf", "date": "2026-08-01" } ], "quotes": { "product": { "text": "Apia Home Extra All the insured events covered by Apia Home Insurance Cover for accidental loss or damage", "url": "https://www.apia.com.au/home-insurance/home-building.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Apia Home Extra All the insured events covered by Apia Home Insurance Cover for accidental loss or damage", "url": "https://www.apia.com.au/home-insurance/home-building.html#:~:text=Apia%20Home%20Extra%20All%20the,for%20accidental%20loss%20or%20damage", "document_sha256": "f9837c464cbf8fbafbf0fb73c49d4d8856b37744e8d1e381daec42fa6f8c861f", "confirmed": "2026-11-13" } }, "channel": { "text": "Get a quote online Retrieve a quote Save 10% First Year Online Discount*", "url": "https://www.apia.com.au/home-insurance/home-building.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Get a quote online Retrieve a quote Save 10% First Year Online Discount*", "url": "https://www.apia.com.au/home-insurance/home-building.html#:~:text=Get%20a%20quote%20online%20Retrieve,10%25%20First%20Year%20Online%20Discount%2A", "document_sha256": "f9837c464cbf8fbafbf0fb73c49d4d8856b37744e8d1e381daec42fa6f8c861f", "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://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-building-extra-kfs-ap03512a-21-06-25-a.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://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-building-extra-kfs-ap03512a-21-06-25-a.pdf#page=1", "page": 1, "document_sha256": "dcea6c1bfc448a82fe00b8aee01e6f97c00b189de6c7e56b0f48ef02b6d2c7bb", "confirmed": "2026-11-13" } }, "flood": { "text": "We cover the home and contents for accidental loss or damage (see page 102) which includes incidents like storms, floods, and fires (including bushfires).", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-pds-ap02655-21-06-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We cover the home and contents for accidental loss or damage (see page 102) which includes incidents like storms, floods, and fires (including bushfires).", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-pds-ap02655-21-06-25-a.pdf#page=6", "page": 6, "document_sha256": "060dd98c69eaa66eda4b4644cc754f7e215c2102b755645a5a53fe280874d480", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "We cover accidental loss or damage (see page 102) to the home at the insured address caused by an incident in the period of insurance.", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-pds-ap02655-21-06-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We cover accidental loss or damage (see page 102) to the home at the insured address caused by an incident in the period of insurance.", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-pds-ap02655-21-06-25-a.pdf#page=50", "page": 50, "document_sha256": "060dd98c69eaa66eda4b4644cc754f7e215c2102b755645a5a53fe280874d480", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Apia products are also targeted at customers who are over 50 years of age (or their partner is).", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-tmd-ap03847-27-06-25-a-fa.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Apia products are also targeted at customers who are over 50 years of age (or their partner is).", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-tmd-ap03847-27-06-25-a-fa.pdf#page=2", "page": 2, "document_sha256": "a2bec0dad516d3ee9db527f6d30e082ef6191451724070ee1067f06c1da238cc", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the home or unit hasn’t been occupied for more than 60 continuous days.", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-pds-ap02655-21-06-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the home or unit hasn’t been occupied for more than 60 continuous days.", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-pds-ap02655-21-06-25-a.pdf#page=17", "page": 17, "document_sha256": "060dd98c69eaa66eda4b4644cc754f7e215c2102b755645a5a53fe280874d480", "confirmed": "2026-11-13" } }, "unoccupied_excess": { "text": "In addition to any other excesses applicable, an unoccupied excess of $500 will apply if at the time of the incident covered by your policy the home or unit hasn’t been occupied for more than 60 continuous days", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-insurance-aig-ap03266-01-08-26-a-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "In addition to any other excesses applicable, an unoccupied excess of $500 will apply if at the time of the incident covered by your policy the home or unit hasn’t been occupied for more than 60 continuous days", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-insurance-aig-ap03266-01-08-26-a-lr.pdf#page=1", "page": 1, "document_sha256": "d97a1b4118c7dfee2f8abfecca25cae8cdc7266137fb5c16b4c1f984a6112b1c", "confirmed": "2026-11-13" } } }, "conditions": [ "Accidental loss or damage cover is built into this level (customers choose it by adding accidental damage cover when getting a quote online); the website describes it as the higher level above standard Apia Home Insurance.", "Sum insured basis; the PDS shows no Safety Net-style buffer." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 500, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Occupied means furnished, someone eating and sleeping there, and utilities connected.", "then": null, "label": "Extra $500 excess after 60 days" }, "id": "home-and-contents-extra-insurance-home-building-cover", "type_label": "Home building", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "Apia Landlord Insurance", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": "Owners of an investment (tenanted) property, for customers over 50 (or whose partner is).", "states": null, "documents": [ { "title": "Landlord Insurance Product Disclosure Statement (prepared 17 February 2025)", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-pds-ap02611-21-06-25-a.pdf", "date": "2025-02-17" }, { "title": "Target Market Determination - Landlord Insurance", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-tmd-ap03849-27-06-25-a-lr.pdf", "date": "2025-06-27" }, { "title": "Landlord Insurance Additional Information Guide", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-insurance-aig-ap03267-01-08-26-a-lr.pdf", "date": "2026-08-01" } ], "quotes": { "product": { "text": "Landlord Insurance Loss of rent after tenant default (limits apply, refer to the PDS) Get a quote online", "url": "https://www.apia.com.au/home-insurance/landlord.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Landlord Insurance Loss of rent after tenant default (limits apply, refer to the PDS) Get a quote online", "url": "https://www.apia.com.au/home-insurance/landlord.html#:~:text=Landlord%20Insurance%20Loss%20of%20rent,PDS%29%20Get%20a%20quote%20online", "document_sha256": "94d3fd2de1b1f5fe7e1f29bf093c7ef59249ae48d0163faf1f22cfe9891a9c3f", "confirmed": "2026-11-13" } }, "channel": { "text": "Get a quote online Retrieve a quote Save 10% First Year Online Discount*", "url": "https://www.apia.com.au/home-insurance/landlord.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Get a quote online Retrieve a quote Save 10% First Year Online Discount*", "url": "https://www.apia.com.au/home-insurance/landlord.html#:~:text=Get%20a%20quote%20online%20Retrieve,10%25%20First%20Year%20Online%20Discount%2A", "document_sha256": "94d3fd2de1b1f5fe7e1f29bf093c7ef59249ae48d0163faf1f22cfe9891a9c3f", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "property sum insured unless we say otherwise in your policy.", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-pds-ap02611-21-06-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "property sum insured unless we say otherwise in your policy.", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-pds-ap02611-21-06-25-a.pdf#page=6", "page": 6, "document_sha256": "44c9390fa8b6e1fe75ff8eff5ae22fd85bc2207142ed673c3984129a61b975b9", "confirmed": "2026-11-13" } }, "flood": { "text": "Loss or damage caused by flood.", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-pds-ap02611-21-06-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Loss or damage caused by flood.", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-pds-ap02611-21-06-25-a.pdf#page=41", "page": 41, "document_sha256": "44c9390fa8b6e1fe75ff8eff5ae22fd85bc2207142ed673c3984129a61b975b9", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Apia products are also targeted at Customers who are over 50 years of age (or their partner is).", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-tmd-ap03849-27-06-25-a-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Apia products are also targeted at Customers who are over 50 years of age (or their partner is).", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-tmd-ap03849-27-06-25-a-lr.pdf#page=2", "page": 2, "document_sha256": "5944f74e178433e79f33166bd7c3db6c49b7837d8e0bb5f76f857b7c9314388d", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the property or unit hasn’t been occupied for more than 60 continuous days.", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-pds-ap02611-21-06-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the property or unit hasn’t been occupied for more than 60 continuous days.", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-pds-ap02611-21-06-25-a.pdf#page=18", "page": 18, "document_sha256": "44c9390fa8b6e1fe75ff8eff5ae22fd85bc2207142ed673c3984129a61b975b9", "confirmed": "2026-11-13" } }, "unoccupied_excess": { "text": "In addition to any other excesses applicable, an unoccupied excess of $500 will apply if at the time of the incident covered by your policy the property or unit hasn’t been occupied for more than 60 continuous days", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-insurance-aig-ap03267-01-08-26-a-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "In addition to any other excesses applicable, an unoccupied excess of $500 will apply if at the time of the incident covered by your policy the property or unit hasn’t been occupied for more than 60 continuous days", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-insurance-aig-ap03267-01-08-26-a-lr.pdf#page=1", "page": 1, "document_sha256": "0cf15cbdb4b5685d0aeb5054208a69773d0c3d1f2507d97b2451bf1f703d600d", "confirmed": "2026-11-13" } } }, "conditions": [ "The Apia landlord PDS has no optional accidental damage cover and no Safety Net buffer; the most payable per incident is the property sum insured unless stated otherwise." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 500, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Occupied means furnished, someone eating and sleeping there, and utilities connected, so a vacancy between tenants counts.", "then": null, "label": "Extra $500 excess after 60 days" }, "id": "landlord-insurance", "type_label": "Landlord", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "AAI Limited has prepared this PDS and is the insurer of the policies referred to under", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-pds-ap02580-21-06-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "AAI Limited has prepared this PDS and is the insurer of the policies referred to under", "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-pds-ap02580-21-06-25-a.pdf#page=3", "page": 3, "document_sha256": "b76db4c042a67a9441e2aec79acfcaec83270be551210f5aaf4ca5a375470a24", "confirmed": "2026-11-13" } }, "distributor": { "text": "Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 AR 239591 is an authorised representative of AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI), the issuer of Home, Landlord, Car", "url": "https://www.apia.com.au/home-insurance/home-building.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 AR 239591 is an authorised representative of AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI), the issuer of Home, Landlord, Car", "url": "https://www.apia.com.au/home-insurance/home-building.html#:~:text=Australian%20Pensioners%20Insurance%20Agency%20Pty,issuer%20of%20Home%2C%20Landlord%2C%20Car", "document_sha256": "f9837c464cbf8fbafbf0fb73c49d4d8856b37744e8d1e381daec42fa6f8c861f", "confirmed": "2026-11-13" } } }, "curation_notes": "Apia targets customers over 50 (or whose partner is). Apia also sells Apartment, Village Style and Assisted Living residence products, not collected here. A July 2026 ASIC update (23 July 2026) to the Home and Contents, Home and Contents Extra and Landlord PDSs changes only escape-of-liquid and legal liability wording.", "segments": [ "residential" ], "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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/apia/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/apia.json" }, { "slug": "australian-seniors", "name": "Australian Seniors", "website": "https://www.seniors.com.au/", "kind": "brand", "underwriter": "The Hollard Insurance Company Pty Ltd", "underwriter_abn": "78090584473", "underwriter_afsl": "241436", "lloyds": false, "distributor": { "name": "Greenstone Financial Services Pty Ltd (trading as Australian Seniors Insurance Agency)", "abn": "53128692884", "afsl": "343079", "authorised_representative_no": null }, "products": [ { "name": "Australian Seniors (Seniors Home Insurance) Home Insurance (building cover)", "type": "home_building", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [ "Essential", "Top" ], "eligibility": null, "states": null, "documents": [ { "title": "Home Insurance Product Disclosure Statement", "url": "https://www.seniors.com.au/documents/seniors-home-insurance-pds-jul-2026.pdf", "date": "2026-07-01" }, { "title": "Home Key Facts Sheet", "url": "https://www.seniors.com.au/documents/seniors-home-insurance-key-facts-sheet.pdf", "date": "2020-03-18" }, { "title": "Target Market Determination", "url": "https://www.seniors.com.au/documents/seniors-home-insurance-tmd-jan-2023.pdf", "date": null } ], "quotes": { "product": { "text": "This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436", "url": "https://www.seniors.com.au/documents/seniors-home-insurance-pds-jul-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436", "url": "https://www.seniors.com.au/documents/seniors-home-insurance-pds-jul-2026.pdf#page=5", "page": 5, "document_sha256": "d86afc929b2cef1f38fbcf882cfed5b603330d512939aa399c7733c7c0e2acc4", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy’s Home/Building Cover you set the maximum level of cover and your payout is limited to that amount (sum insured).", "url": "https://www.seniors.com.au/documents/seniors-home-insurance-key-facts-sheet.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Under this policy’s Home/Building Cover you set the maximum level of cover and your payout is limited to that amount (sum insured).", "url": "https://www.seniors.com.au/documents/seniors-home-insurance-key-facts-sheet.pdf#page=1", "page": 1, "document_sha256": "8ab5a9705db536bff7b2a869ba9baf4dd86a26c951460b687c31d99aa7017a66", "confirmed": "2026-11-13" } }, "flood": { "text": "You are covered for loss or damage to your building or contents (as applicable) caused by Storm, rainwater and flood", "url": "https://www.seniors.com.au/documents/seniors-home-insurance-pds-jul-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "You are covered for loss or damage to your building or contents (as applicable) caused by Storm, rainwater and flood", "url": "https://www.seniors.com.au/documents/seniors-home-insurance-pds-jul-2026.pdf#page=18", "page": 18, "document_sha256": "d86afc929b2cef1f38fbcf882cfed5b603330d512939aa399c7733c7c0e2acc4", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "accidental damage under this Insured event if you have selected Essential building and/or contents cover.", "url": "https://www.seniors.com.au/documents/seniors-home-insurance-pds-jul-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "accidental damage under this Insured event if you have selected Essential building and/or contents cover.", "url": "https://www.seniors.com.au/documents/seniors-home-insurance-pds-jul-2026.pdf#page=14", "page": 14, "document_sha256": "d86afc929b2cef1f38fbcf882cfed5b603330d512939aa399c7733c7c0e2acc4", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "your building being unoccupied for longer than 60 consecutive days. This exclusion will not apply to loss or damage caused by lightning or earthquake that occurs during the period of time in which the building is unoccupied;", "url": "https://www.seniors.com.au/documents/seniors-home-insurance-pds-jul-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "your building being unoccupied for longer than 60 consecutive days. This exclusion will not apply to loss or damage caused by lightning or earthquake that occurs during the period of time in which the building is unoccupied;", "url": "https://www.seniors.com.au/documents/seniors-home-insurance-pds-jul-2026.pdf#page=45", "page": 45, "document_sha256": "d86afc929b2cef1f38fbcf882cfed5b603330d512939aa399c7733c7c0e2acc4", "confirmed": "2026-11-13" } } }, "conditions": [ "Accidental damage is covered only on the higher level (Top); the lower level (Essential) excludes it.", "Flood is part of the 'Storm, rainwater and flood' insured event." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": "lightning, earthquake", "must_tell": true, "conditions": "Unoccupied means nobody living and sleeping there or not furnished. Keep it in a lived-in state; tell the insurer beforehand and it decides whether to continue cover.", "then": null, "label": "No cover after 60 days (a few events excepted)" }, "id": "seniors-home-insurance-home-insurance-building-cover", "type_label": "Home building", "issuers": [ { "name": "The Hollard Insurance Company Pty Ltd", "abn": "78090584473", "afsl": "241436", "lloyds": false, "slug": "hollard-insurance", "apra": { "status": "authorised", "name": "Hollard Insurance Company Pty Ltd (The)", "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": "241436", "name": "THE HOLLARD INSURANCE COMPANY PTY LTD", "abn": "78090584473", "acn": null, "licensed_since": "2004-03-11", "locality": "North Sydney NSW 2060", "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": "Australian Seniors (Seniors Home Insurance) Landlords Insurance (building cover)", "type": "landlord", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Landlords Insurance Product Disclosure Statement", "url": "https://www.seniors.com.au/documents/seniors-landlords-insurance-pds-jul-2026.pdf", "date": "2026-07-01" } ], "quotes": { "product": { "text": "This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436", "url": "https://www.seniors.com.au/documents/seniors-landlords-insurance-pds-jul-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436", "url": "https://www.seniors.com.au/documents/seniors-landlords-insurance-pds-jul-2026.pdf#page=4", "page": 4, "document_sha256": "55f0bab5e40626a1f525f8d4ab92b1b3f496b843d9d77d5aac3fa97a027c5fa8", "confirmed": "2026-11-13" } }, "flood": { "text": "against loss or damage caused by fire and explosion; malicious damage; theft; storm, rainwater and flood; accidental glass breakage", "url": "https://www.seniors.com.au/documents/seniors-landlords-insurance-pds-jul-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "against loss or damage caused by fire and explosion; malicious damage; theft; storm, rainwater and flood; accidental glass breakage", "url": "https://www.seniors.com.au/documents/seniors-landlords-insurance-pds-jul-2026.pdf#page=5", "page": 5, "document_sha256": "55f0bab5e40626a1f525f8d4ab92b1b3f496b843d9d77d5aac3fa97a027c5fa8", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "your building being unoccupied for longer than 60 consecutive days. This exclusion will not apply to loss or damage caused by lightning or earthquake that occurs during the period of time in which the building is unoccupied;", "url": "https://www.seniors.com.au/documents/seniors-landlords-insurance-pds-jul-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "your building being unoccupied for longer than 60 consecutive days. This exclusion will not apply to loss or damage caused by lightning or earthquake that occurs during the period of time in which the building is unoccupied;", "url": "https://www.seniors.com.au/documents/seniors-landlords-insurance-pds-jul-2026.pdf#page=31", "page": 31, "document_sha256": "55f0bab5e40626a1f525f8d4ab92b1b3f496b843d9d77d5aac3fa97a027c5fa8", "confirmed": "2026-11-13" } } }, "conditions": [], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": "lightning, earthquake", "must_tell": true, "conditions": "Keep it in a lived-in state; tell the insurer beforehand and it decides whether to continue cover. Landlord: counts whenever no one lives there, including between tenants.", "then": null, "label": "No cover after 60 days (a few events excepted)" }, "id": "seniors-home-insurance-landlords-insurance-building-cover", "type_label": "Landlord", "issuers": [ { "name": "The Hollard Insurance Company Pty Ltd", "abn": "78090584473", "afsl": "241436", "lloyds": false, "slug": "hollard-insurance", "apra": { "status": "authorised", "name": "Hollard Insurance Company Pty Ltd (The)", "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": "241436", "name": "THE HOLLARD INSURANCE COMPANY PTY LTD", "abn": "78090584473", "acn": null, "licensed_since": "2004-03-11", "locality": "North Sydney NSW 2060", "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 insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436", "url": "https://www.seniors.com.au/documents/seniors-home-insurance-pds-jul-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436", "url": "https://www.seniors.com.au/documents/seniors-home-insurance-pds-jul-2026.pdf#page=5", "page": 5, "document_sha256": "d86afc929b2cef1f38fbcf882cfed5b603330d512939aa399c7733c7c0e2acc4", "confirmed": "2026-11-13" } }, "distributor": { "text": "All products are promoted and distributed by Australian Seniors Insurance Agency, a trading name of Greenstone Financial Services Pty Ltd (GFS) ABN 53 128 692 884, AFSL 343079.", "url": "https://www.seniors.com.au/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "All products are promoted and distributed by Australian Seniors Insurance Agency, a trading name of Greenstone Financial Services Pty Ltd (GFS) ABN 53 128 692 884, AFSL 343079.", "url": "https://www.seniors.com.au/home-insurance#:~:text=All%20products%20are%20promoted%20and,128%20692%20884%2C%20AFSL%20343079.", "document_sha256": "5c1f1e5431d0163dc7afe40836fb44fc79d684a99143c6dedad8fcfd6beb35d4", "confirmed": "2026-11-13" } } }, "curation_notes": "The key facts sheet linked from Seniors' site is dated 18 March 2020 (older than the 1 July 2026 PDS); cover basis is quoted from it. Seniors Card holders get a premium discount; the insurance is open to all ages in the PDS wording read.", "segments": [ "residential" ], "issuers": [ { "name": "The Hollard Insurance Company Pty Ltd", "abn": "78090584473", "afsl": "241436", "lloyds": false, "slug": "hollard-insurance", "apra": { "status": "authorised", "name": "Hollard Insurance Company Pty Ltd (The)", "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": "241436", "name": "THE HOLLARD INSURANCE COMPANY PTY LTD", "abn": "78090584473", "acn": null, "licensed_since": "2004-03-11", "locality": "North Sydney NSW 2060", "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": "343079", "name": "GREENSTONE FINANCIAL SERVICES PTY LTD", "abn": "53128692884", "acn": null, "licensed_since": "2010-06-24", "locality": "Norwest NSW 2153", "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/australian-seniors/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/australian-seniors.json" }, { "slug": "australian-unity", "name": "Australian Unity", "website": "https://www.australianunity.com.au/", "kind": "brand", "underwriter": "Allianz Australia Insurance Limited", "underwriter_abn": "15000122850", "underwriter_afsl": "234708", "lloyds": false, "distributor": { "name": "Australian Unity General Insurance Agency Pty Ltd", "abn": "55688252629", "afsl": null, "authorised_representative_no": "1316512" }, "products": [ { "name": "Australian Unity Home Insurance (home and contents policy, building cover)", "type": "home_building", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": "optional", "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Product Disclosure Statement", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1387FIAUNI092520251221/$FILE/POL1387FI_AUNI.pdf?open", "date": "2025-08-06" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSBGSimplifyHomeB4800825/$FILE/KFSBGSimplifyHomeB480.pdf?open", "date": "2025-08-06" } ], "quotes": { "product": { "text": "The insurer of Australian Unity Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1387FIAUNI092520251221/$FILE/POL1387FI_AUNI.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of Australian Unity Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1387FIAUNI092520251221/$FILE/POL1387FI_AUNI.pdf?open#page=2", "page": 2, "document_sha256": "75eb6ae9244a4eb4412b110ab3eb373aa53be259f70a055091abcc949f62f029", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSBGSimplifyHomeB4800825/$FILE/KFSBGSimplifyHomeB480.pdf?open", "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://www.einsure.com.au/wb/public/openPolicyDocument/KFSBGSimplifyHomeB4800825/$FILE/KFSBGSimplifyHomeB480.pdf?open#page=1", "page": 1, "document_sha256": "974d8376d01fea9e7abb2ce5391c0cd717ff793245142be0e37322299a4a98a1", "confirmed": "2026-11-13" } }, "flood": { "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSBGSimplifyHomeB4800825/$FILE/KFSBGSimplifyHomeB480.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/KFSBGSimplifyHomeB4800825/$FILE/KFSBGSimplifyHomeB480.pdf?open#page=1", "page": 1, "document_sha256": "974d8376d01fea9e7abb2ce5391c0cd717ff793245142be0e37322299a4a98a1", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "What does it mean if I take the Accidental Damage cover option? This option can cover you against damage caused by sudden, unforeseen and unintended events", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1387FIAUNI092520251221/$FILE/POL1387FI_AUNI.pdf?open", "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 option can cover you against damage caused by sudden, unforeseen and unintended events", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1387FIAUNI092520251221/$FILE/POL1387FI_AUNI.pdf?open#page=7", "page": 7, "document_sha256": "75eb6ae9244a4eb4412b110ab3eb373aa53be259f70a055091abcc949f62f029", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1387FIAUNI092520251221/$FILE/POL1387FI_AUNI.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/POL1387FIAUNI092520251221/$FILE/POL1387FI_AUNI.pdf?open#page=58", "page": 58, "document_sha256": "75eb6ae9244a4eb4412b110ab3eb373aa53be259f70a055091abcc949f62f029", "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 on building cover." ], "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 two consecutive nights.", "then": null, "label": "No cover after 60 days" }, "id": "home-insurance-home-and-contents-policy-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": "Australian Unity 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 Product Disclosure Statement", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1409FIAUNI092520251221/$FILE/POL1409FI_AUNI.pdf?open", "date": "2025-08-06" }, { "title": "Key Facts Sheet - Landlord Building", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSBGSimplifyLandlordB4800825/$FILE/KFSBGSimplifyLandlordB480.pdf?open", "date": "2025-08-06" } ], "quotes": { "product": { "text": "The insurer of Australian Unity Landlord Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1409FIAUNI092520251221/$FILE/POL1409FI_AUNI.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of Australian Unity Landlord Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1409FIAUNI092520251221/$FILE/POL1409FI_AUNI.pdf?open#page=2", "page": 2, "document_sha256": "756af0c60e2fdff69136c44eab498e58913f26573c78ec113cc81aa3dfa15b85", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSBGSimplifyLandlordB4800825/$FILE/KFSBGSimplifyLandlordB480.pdf?open", "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://www.einsure.com.au/wb/public/openPolicyDocument/KFSBGSimplifyLandlordB4800825/$FILE/KFSBGSimplifyLandlordB480.pdf?open#page=1", "page": 1, "document_sha256": "1fe3726a9d2a3b55d89c03c022085825907efa8e5e60ad04ee18ea0c80d9e750", "confirmed": "2026-11-13" } }, "flood": { "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSBGSimplifyLandlordB4800825/$FILE/KFSBGSimplifyLandlordB480.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/KFSBGSimplifyLandlordB4800825/$FILE/KFSBGSimplifyLandlordB480.pdf?open#page=1", "page": 1, "document_sha256": "1fe3726a9d2a3b55d89c03c022085825907efa8e5e60ad04ee18ea0c80d9e750", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1409FIAUNI092520251221/$FILE/POL1409FI_AUNI.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/POL1409FIAUNI092520251221/$FILE/POL1409FI_AUNI.pdf?open#page=58", "page": 58, "document_sha256": "756af0c60e2fdff69136c44eab498e58913f26573c78ec113cc81aa3dfa15b85", "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 for the landlord policy was not stated in the documents read, so it is left blank." ], "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. Landlord: lived in means tenants eating and sleeping there; applies if you knew or should have known.", "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": "The insurer of Australian Unity Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1387FIAUNI092520251221/$FILE/POL1387FI_AUNI.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of Australian Unity Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1387FIAUNI092520251221/$FILE/POL1387FI_AUNI.pdf?open#page=2", "page": 2, "document_sha256": "75eb6ae9244a4eb4412b110ab3eb373aa53be259f70a055091abcc949f62f029", "confirmed": "2026-11-13" } }, "distributor": { "text": "Australian Unity General Insurance Agency Pty Ltd, ABN 55 688 252 629, AR 1316512 is an authorised representative of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz)", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1387FIAUNI092520251221/$FILE/POL1387FI_AUNI.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Australian Unity General Insurance Agency Pty Ltd, ABN 55 688 252 629, AR 1316512 is an authorised representative of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz)", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1387FIAUNI092520251221/$FILE/POL1387FI_AUNI.pdf?open#page=2", "page": 2, "document_sha256": "75eb6ae9244a4eb4412b110ab3eb373aa53be259f70a055091abcc949f62f029", "confirmed": "2026-11-13" } } }, "curation_notes": null, "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": null, "page": "https://deepalmanac.com/au/insurance/building/australian-unity/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/australian-unity.json" }, { "slug": "axa-xl", "name": "AXA XL", "website": "https://axaxl.com/", "kind": "insurer", "underwriter": "XL Insurance Company SE", "underwriter_abn": "36083570441", "underwriter_afsl": null, "lloyds": false, "distributor": null, "products": [ { "name": "AXA XL Property - Industrial All Risk", "type": "isr", "segment": "industrial", "channel": null, "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Corporate and commercial clients with large and complex risks, multinational programs and captives (capacity up to USD 500m).", "states": null, "documents": [ { "title": "AXA XL Australia market guide", "url": "https://axaxl.com/-/media/axaxl/files/pdfs/campaign/market-guides/axa-xl_insurance_market-guide_apac_australia_en.pdf", "date": null } ], "quotes": { "product": { "text": "Industrial All Risk", "url": "https://axaxl.com/-/media/axaxl/files/pdfs/campaign/market-guides/axa-xl_insurance_market-guide_apac_australia_en.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Industrial All Risk", "url": "https://axaxl.com/-/media/axaxl/files/pdfs/campaign/market-guides/axa-xl_insurance_market-guide_apac_australia_en.pdf#page=5", "page": 5, "document_sha256": "0ec8874a22c138ca333979e2e77231e64d8b3a33a3c4bf6fc7885edbfb3c83ab", "confirmed": "2026-11-13" } } }, "conditions": [ "Eligibility is read from a bulleted table (Target Clients: Corporate and Commercial; Multinational Solutions; Large and complex risks; Captives) and is not quoted." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "property-industrial-all-risk", "type_label": "Industrial special risks (ISR)", "issuers": [ { "name": "XL Insurance Company SE", "abn": "36083570441", "afsl": null, "lloyds": false, "slug": "xl-insurance", "apra": { "status": "authorised", "name": "XL Insurance Company SE", "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] } ], "quotes": { "underwriter": { "text": "This policy sets out the approach taken by XL Insurance Company SE, Australia Branch (“XLICSEA”) to developing and distributing retail insurance products for the appropriate target markets.", "url": "https://axaxl.com/-/media/axaxl/files/pdfs/about-us/our-companies/axa-xl--product-development-and-distribution-policy--29-nov-2023.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This policy sets out the approach taken by XL Insurance Company SE, Australia Branch (“XLICSEA”) to developing and distributing retail insurance products for the appropriate target markets.", "url": "https://axaxl.com/-/media/axaxl/files/pdfs/about-us/our-companies/axa-xl--product-development-and-distribution-policy--29-nov-2023.pdf#page=3", "page": 3, "document_sha256": "7eece4e07f1fa4610c2e073b3dbd138b50fa331e96836d38c9620a9e6d4e820b", "confirmed": "2026-11-13" } }, "abn": { "text": "XL Insurance Company SE, Australia Branch ABN 36 083 570 441", "url": "https://axaxl.com/-/media/axaxl/files/pdfs/about-us/our-companies/axa-xl--product-development-and-distribution-policy--29-nov-2023.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "XL Insurance Company SE, Australia Branch ABN 36 083 570 441", "url": "https://axaxl.com/-/media/axaxl/files/pdfs/about-us/our-companies/axa-xl--product-development-and-distribution-policy--29-nov-2023.pdf#page=6", "page": 6, "document_sha256": "7eece4e07f1fa4610c2e073b3dbd138b50fa331e96836d38c9620a9e6d4e820b", "confirmed": "2026-11-13" } } }, "curation_notes": "ABN 36 083 570 441 for XL Insurance Company SE, Australia Branch taken from AXA XL's own Product Development and Distribution Policy; AFSL not found on an AXA XL page and left null.", "segments": [ "industrial" ], "issuers": [ { "name": "XL Insurance Company SE", "abn": "36083570441", "afsl": null, "lloyds": false, "slug": "xl-insurance", "apra": { "status": "authorised", "name": "XL Insurance Company SE", "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ], "distributor_licence": null, "page": "https://deepalmanac.com/au/insurance/building/axa-xl/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/axa-xl.json" }, { "slug": "axis", "name": "Axis Underwriting Services", "website": "https://axisunderwriting.com.au/", "kind": "underwriting_agency", "underwriter": "XL Insurance Company SE", "underwriter_abn": "36083570441", "underwriter_afsl": null, "lloyds": false, "distributor": { "name": "Axis Underwriting Services Pty Ltd", "abn": "51090508142", "afsl": "236650", "authorised_representative_no": null }, "products": [ { "name": "Axis Residential Strata Insurance Policy", "type": "residential_strata", "segment": "residential", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": "included", "levels": [], "eligibility": "Owners corporations / body corporates where the strata property is predominantly residential (not where commercial occupancy is over 20% of floor space or over 50% of lots are short-stay).", "states": null, "documents": [ { "title": "Residential Strata Policy 082026 (from 1 August 2026)", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf", "date": "2026-08-01" }, { "title": "Residential Strata TMD (1 September 2026)", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Residential-Strata-TMD-01.09.2026.pdf", "date": "2026-09-01" } ], "quotes": { "product": { "text": "The Axis Residential Strata insurance policy is rich in features and benefits and will help brokers provide quality insurance solutions for registered Residential Strata properties.", "url": "https://axisunderwriting.com.au/risk-appetite/residential-strata/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Axis Residential Strata insurance policy is rich in features and benefits and will help brokers provide quality insurance solutions for registered Residential Strata properties.", "url": "https://axisunderwriting.com.au/risk-appetite/residential-strata/#:~:text=The%20Axis%20Residential%20Strata%20insurance,for%20registered%20Residential%20Strata%20properties.", "document_sha256": "62abbb8623c3b68db6a006601fba36764398554279c0c5771fce779bbf783ebc", "confirmed": "2026-11-13" } }, "channel": { "text": "As with all Axis products the Residential Strata product is only available through brokers.", "url": "https://axisunderwriting.com.au/risk-appetite/residential-strata/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "As with all Axis products the Residential Strata product is only available through brokers.", "url": "https://axisunderwriting.com.au/risk-appetite/residential-strata/#:~:text=As%20with%20all%20Axis%20products,is%20only%20available%20through%20brokers.", "document_sha256": "62abbb8623c3b68db6a006601fba36764398554279c0c5771fce779bbf783ebc", "confirmed": "2026-11-13" } }, "flood": { "text": "It also includes optional covers for Floating Floors, Loss of Market Value, Catastrophe Cover and Flood.", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "It also includes optional covers for Floating Floors, Loss of Market Value, Catastrophe Cover and Flood.", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf#page=6", "page": 6, "document_sha256": "c3bf5eef06a9d41a4cb0cee13994650b10ec7b1b01faf003cf35ac9ace298059", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "This Section covers You against accidental Loss or Damage to Your Building", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Section covers You against accidental Loss or Damage to Your Building", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf#page=6", "page": 6, "document_sha256": "c3bf5eef06a9d41a4cb0cee13994650b10ec7b1b01faf003cf35ac9ace298059", "confirmed": "2026-11-13" } }, "eligibility": { "text": "where the strata property is predominantly residential", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Residential-Strata-TMD-01.09.2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "where the strata property is predominantly residential", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Residential-Strata-TMD-01.09.2026.pdf#page=1", "page": 1, "document_sha256": "2d15bb848a4d72e1a1e460eba401bdd7bd1b24f36f87533fc82a8ea2aae873a5", "confirmed": "2026-11-13" } }, "underwriter": { "text": "The Policy is underwritten by XL Insurance Company SE, Australia Branch, ABN 36 083 570 441", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Policy is underwritten by XL Insurance Company SE, Australia Branch, ABN 36 083 570 441", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf#page=5", "page": 5, "document_sha256": "c3bf5eef06a9d41a4cb0cee13994650b10ec7b1b01faf003cf35ac9ace298059", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "If You do not do so, the cover under Your Policy is limited to damage caused by lightning, thunderbolt, impact and earthquake for the period in excess of 90 consecutive days during which You have left the property totally Unoccupied.", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If You do not do so, the cover under Your Policy is limited to damage caused by lightning, thunderbolt, impact and earthquake for the period in excess of 90 consecutive days during which You have left the property totally Unoccupied.", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf#page=19", "page": 19, "document_sha256": "c3bf5eef06a9d41a4cb0cee13994650b10ec7b1b01faf003cf35ac9ace298059", "confirmed": "2026-11-13" } } }, "conditions": [ "Underwriter for this product: XL Insurance Company SE, Australia Branch (ABN 36 083 570 441) per the PDS." ], "underwriter": "XL Insurance Company SE", "underwriter_abn": "36083570441", "underwriter_afsl": null, "lloyds": false, "unoccupied": { "days": 90, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": "lightning, thunderbolt, impact, earthquake", "must_tell": true, "conditions": "Only when the property is totally unoccupied (including empty or untenanted), counted from when last occupied. Unless you told Axis and it agreed in writing.", "then": null, "label": "No cover after 90 days (a few events excepted)" }, "id": "residential-strata-insurance-policy", "type_label": "Residential strata", "issuers": [ { "name": "XL Insurance Company SE", "abn": "36083570441", "afsl": null, "lloyds": false, "slug": "xl-insurance", "apra": { "status": "authorised", "name": "XL Insurance Company SE", "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] }, { "name": "Axis Commercial Strata Insurance Policy", "type": "commercial_strata", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Owners corporations / body corporates of premises primarily used for commercial purposes (factories, showrooms, retail shops, offices) or a mix of commercial and residential units.", "states": null, "documents": [ { "title": "Commercial Strata Policy v1.2024", "url": "https://axisunderwriting.com.au/wp-content/uploads/2025/03/Axis-Comm-Strata-Policy-v1.2024.pdf", "date": null }, { "title": "Commercial Strata TMD (3 September 2026)", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-TMD-03092026.pdf", "date": "2026-09-03" } ], "quotes": { "product": { "text": "This TMD identifies the customers within the target market for the Axis Commercial Strata Insurance Policy.", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-TMD-03092026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This TMD identifies the customers within the target market for the Axis Commercial Strata Insurance Policy.", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-TMD-03092026.pdf#page=1", "page": 1, "document_sha256": "5e231605c496310c881d017b5a8f0c019a77ed25421d8171afe1cb2dce39b087", "confirmed": "2026-11-13" } }, "channel": { "text": "Is only offered to/ via licensed insurance brokers", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-TMD-03092026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Is only offered to/ via licensed insurance brokers", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-TMD-03092026.pdf#page=2", "page": 2, "document_sha256": "5e231605c496310c881d017b5a8f0c019a77ed25421d8171afe1cb2dce39b087", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Owners Corporation/ Body Corporate premises that are primarily used for commercial purposes including commercial/ industrial factories, showrooms, retail shops, offices or a mix of commercial and residential units", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-TMD-03092026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Owners Corporation/ Body Corporate premises that are primarily used for commercial purposes including commercial/ industrial factories, showrooms, retail shops, offices or a mix of commercial and residential units", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-TMD-03092026.pdf#page=1", "page": 1, "document_sha256": "5e231605c496310c881d017b5a8f0c019a77ed25421d8171afe1cb2dce39b087", "confirmed": "2026-11-13" } }, "underwriter": { "text": "Axis Underwriting Services Pty Ltd (ABN 51 090 508 142 & AFSL 236650) acts under a binding authority as agent for the insurer (Certain Underwriters at Lloyd’s and HDI Global Specialty – Australia and Lancashire Underwriting Australia Pty Ltd) of this product.", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-TMD-03092026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Axis Underwriting Services Pty Ltd (ABN 51 090 508 142 & AFSL 236650) acts under a binding authority as agent for the insurer (Certain Underwriters at Lloyd’s and HDI Global Specialty – Australia and Lancashire Underwriting Australia Pty Ltd) of this product.", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-TMD-03092026.pdf#page=1", "page": 1, "document_sha256": "5e231605c496310c881d017b5a8f0c019a77ed25421d8171afe1cb2dce39b087", "confirmed": "2026-11-13" } } }, "conditions": [ "Underwriters per TMD: certain underwriters at Lloyd's, HDI Global Specialty - Australia and Lancashire Underwriting Australia Pty Ltd. Buildings mainly residential with some commercial tenants are insured under Axis's separate AXL policy (XL Insurance Company SE), listed as its own product." ], "panel": [ { "underwriter": "Certain underwriters at Lloyd's", "lloyds": true }, { "underwriter": "HDI Global Specialty SE" }, { "underwriter": "Lancashire Underwriting Australia Pty Ltd" } ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "commercial-strata-insurance-policy", "type_label": "Commercial strata", "issuers": [ { "name": "Certain underwriters at Lloyd's", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null }, { "name": "HDI Global Specialty SE", "abn": null, "afsl": null, "lloyds": false, "slug": "hdi-global-specialty", "apra": { "status": "authorised", "name": "HDI Global Specialty SE", "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null }, { "name": "Lancashire Underwriting Australia Pty Ltd", "abn": null, "afsl": null, "lloyds": false, "slug": "lancashire-underwriting-australia", "apra": { "status": "not_found", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] }, { "name": "Axis Commercial Strata Insurance Policy (AXL, mixed tenancy)", "type": "commercial_strata", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Owners corporations / body corporates of premises primarily used for residential purposes but also occupied by commercial tenants (showrooms, retail shops, offices, gyms, hairdressers and the like).", "states": null, "documents": [ { "title": "Commercial Strata (mixed tenancy, AXL) policy Feb 2024", "url": "https://axisunderwriting.com.au/wp-content/uploads/2024/05/AXIS_Commercial-Strata-Policy_Feb-2024.pdf", "date": "2024-02-01" }, { "title": "Commercial Strata AXL TMD (2 September 2026)", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-AXL-TMD_02Sep26.pdf", "date": "2026-09-02" } ], "quotes": { "product": { "text": "relates to the Axis Commercial Strata Insurance Policy & PDS (Axis Comm Strata Policy AXL v1.2024)", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-AXL-TMD_02Sep26.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "relates to the Axis Commercial Strata Insurance Policy & PDS (Axis Comm Strata Policy AXL v1.2024)", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-AXL-TMD_02Sep26.pdf#page=1", "page": 1, "document_sha256": "286b7a9c0451ff80a99422b62bf200d9ebedc4d40a9f1230824679dff652a5f6", "confirmed": "2026-11-13" } }, "channel": { "text": "Is only offered to/ via licensed insurance brokers", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-AXL-TMD_02Sep26.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Is only offered to/ via licensed insurance brokers", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-AXL-TMD_02Sep26.pdf#page=2", "page": 2, "document_sha256": "286b7a9c0451ff80a99422b62bf200d9ebedc4d40a9f1230824679dff652a5f6", "confirmed": "2026-11-13" } }, "eligibility": { "text": "primarily used for residential purposes but also occupied by commercial tenants including showrooms, retail shops, offices or commercial operations such as fitness gyms, hairdressers, newsagents and the similar tenants", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-AXL-TMD_02Sep26.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "primarily used for residential purposes but also occupied by commercial tenants including showrooms, retail shops, offices or commercial operations such as fitness gyms, hairdressers, newsagents and the similar tenants", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-AXL-TMD_02Sep26.pdf#page=1", "page": 1, "document_sha256": "286b7a9c0451ff80a99422b62bf200d9ebedc4d40a9f1230824679dff652a5f6", "confirmed": "2026-11-13" } }, "underwriter": { "text": "acts under a binding authority as agent for the insurer XL Insurance Company SE, Australia Branch (ABN 36 083 570 441) of this product.", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-AXL-TMD_02Sep26.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "acts under a binding authority as agent for the insurer XL Insurance Company SE, Australia Branch (ABN 36 083 570 441) of this product.", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/09/Axis-Comm-Strata-AXL-TMD_02Sep26.pdf#page=1", "page": 1, "document_sha256": "286b7a9c0451ff80a99422b62bf200d9ebedc4d40a9f1230824679dff652a5f6", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "If You do not do so, the cover under Your Policy is limited to damage caused by lightning, thunderbolt, impact and earthquake for the period in excess of 90 consecutive days during which You have left the property totally Unoccupied.", "url": "https://axisunderwriting.com.au/wp-content/uploads/2024/05/AXIS_Commercial-Strata-Policy_Feb-2024.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If You do not do so, the cover under Your Policy is limited to damage caused by lightning, thunderbolt, impact and earthquake for the period in excess of 90 consecutive days during which You have left the property totally Unoccupied.", "url": "https://axisunderwriting.com.au/wp-content/uploads/2024/05/AXIS_Commercial-Strata-Policy_Feb-2024.pdf#page=17", "page": 17, "document_sha256": "30f8110aa2b35baa9f2ac01e952596a841b94e9a2ceb30ae86cf0cd97407da34", "confirmed": "2026-11-13" } } }, "conditions": [ "Underwriter for this product: XL Insurance Company SE, Australia Branch (ABN 36 083 570 441) per its TMD." ], "underwriter": "XL Insurance Company SE", "underwriter_abn": "36083570441", "underwriter_afsl": null, "lloyds": false, "unoccupied": { "days": 90, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": "lightning, thunderbolt, impact, earthquake", "must_tell": true, "conditions": "Only when the property is totally unoccupied, counted from when last occupied; unless agreed in writing.", "then": null, "label": "No cover after 90 days (a few events excepted)" }, "id": "commercial-strata-insurance-policy-axl-mixed-tenancy", "type_label": "Commercial strata", "issuers": [ { "name": "XL Insurance Company SE", "abn": "36083570441", "afsl": null, "lloyds": false, "slug": "xl-insurance", "apra": { "status": "authorised", "name": "XL Insurance Company SE", "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] } ], "quotes": { "underwriter": { "text": "The Policy is underwritten by XL Insurance Company SE, Australia Branch, ABN 36 083 570 441", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Policy is underwritten by XL Insurance Company SE, Australia Branch, ABN 36 083 570 441", "url": "https://axisunderwriting.com.au/wp-content/uploads/2026/05/AXISRESPOL-082026.pdf#page=5", "page": 5, "document_sha256": "c3bf5eef06a9d41a4cb0cee13994650b10ec7b1b01faf003cf35ac9ace298059", "confirmed": "2026-11-13" } } }, "curation_notes": "Underwriter differs by product: residential strata and the AXL mixed-tenancy commercial strata policy are XL Insurance Company SE (ABN 36083570441, AFSL not found on the page); the main commercial strata policy is Lloyd's/HDI/Lancashire. underwriter_abn given is XL's. | Axis links two commercial strata wordings: v1.2024 (Lloyd's/HDI/Lancashire panel, TMD 03Sep26) and AXL v1.2024 (XL; its TMD 02Sep26 is for buildings primarily residential with commercial tenants, though the site's link calls it 'for offices & low hazard style risks'). They are separate products: until 2026-10-30 the AXL wording's 90-day unoccupancy clause was shown on the panel product, whose wording has none.", "segments": [ "residential", "commercial" ], "issuers": [ { "name": "XL Insurance Company SE", "abn": "36083570441", "afsl": null, "lloyds": false, "slug": "xl-insurance", "apra": { "status": "authorised", "name": "XL Insurance Company SE", "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ], "distributor_licence": { "afsl": "236650", "name": "AXIS UNDERWRITING SERVICES PTY LTD", "abn": "51090508142", "acn": null, "licensed_since": "2004-01-12", "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/axis/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/axis.json" }, { "slug": "bank-of-melbourne", "name": "Bank of Melbourne", "website": "https://www.bankofmelbourne.com.au/", "kind": "brand", "underwriter": "Allianz Australia Insurance Limited", "underwriter_abn": "15000122850", "underwriter_afsl": "234708", "lloyds": false, "distributor": { "name": "Westpac Banking Corporation (Bank of Melbourne, a division)", "abn": "33007457141", "afsl": "233714", "authorised_representative_no": null }, "products": [ { "name": "Bank of Melbourne Home Insurance (home and contents policy, building cover)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Home & Contents Insurance Product Disclosure Statement", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf", "date": "2021-11-21" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-building-kfs.pdf", "date": "2021-09-01" } ], "quotes": { "product": { "text": "Compare Bank of Melbourne's award-winning Home Insurance, provided by Allianz.", "url": "https://www.bankofmelbourne.com.au/personal/insurance/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Compare Bank of Melbourne's award-winning Home Insurance, provided by Allianz.", "url": "https://www.bankofmelbourne.com.au/personal/insurance/home-insurance#:~:text=Compare%20Bank%20of%20Melbourne%27s%20award%2Dwinning%20Home%20Insurance%2C%20provided%20by%20Allianz.", "document_sha256": "ae18482c8e68dde93935bbf3315337d816012e9fc0c650ea0a1e5ee8dd7b0c0a", "confirmed": "2026-11-13" } }, "channel": { "text": "Tailor your cover and get a quote in minutes, with pre-filled details to make it even easier when you sign in.", "url": "https://www.bankofmelbourne.com.au/personal/insurance/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Tailor your cover and get a quote in minutes, with pre-filled details to make it even easier when you sign in.", "url": "https://www.bankofmelbourne.com.au/personal/insurance/home-insurance#:~:text=Tailor%20your%20cover%20and%20get,easier%20when%20you%20sign%20in.", "document_sha256": "ae18482c8e68dde93935bbf3315337d816012e9fc0c650ea0a1e5ee8dd7b0c0a", "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://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-building-kfs.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://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-building-kfs.pdf#page=1", "page": 1, "document_sha256": "88c76b23b039925d189a14aec3094e782bcbc88daf5b47733ff7b42b0d462157", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood What’s covered? What’s not covered? Buildings and/or contents ✔ Loss or damage caused by: • flood* • flood water*, combined with run-off and rainwater.", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood What’s covered? What’s not covered? Buildings and/or contents ✔ Loss or damage caused by: • flood* • flood water*, combined with run-off and rainwater.", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf#page=23", "page": 23, "document_sha256": "c9fae2e0d2aabefa8636b02fc3fae222d66dc936724b3337143fb54aa1e2fb20", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Optional covers You can also upgrade your policy to include cover for: Accidental damage", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Optional covers You can also upgrade your policy to include cover for: Accidental damage", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf#page=7", "page": 7, "document_sha256": "c9fae2e0d2aabefa8636b02fc3fae222d66dc936724b3337143fb54aa1e2fb20", "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.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-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.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf#page=56", "page": 56, "document_sha256": "c9fae2e0d2aabefa8636b02fc3fae222d66dc936724b3337143fb54aa1e2fb20", "confirmed": "2026-11-13" } } }, "conditions": [ "Flood is an insured event, with a 72-hour wait after you first take out or increase cover.", "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 two consecutive nights.", "then": null, "label": "No cover after 60 days" }, "id": "home-insurance-home-and-contents-policy-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": "Bank of Melbourne Landlord Insurance (building cover)", "type": "landlord", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Landlord Insurance Product Disclosure Statement", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-insurance-pds.pdf", "date": "2021-11-21" }, { "title": "Key Facts Sheet - Landlord Building", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-building-kfs.pdf", "date": "2021-09-01" } ], "quotes": { "product": { "text": "Landlord Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Landlord Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-insurance-pds.pdf#page=2", "page": 2, "document_sha256": "5894f506483057cc59ae01e5f676efe5045cd4d91c3bec20b07af7da32e5c2d3", "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://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-building-kfs.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://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-building-kfs.pdf#page=1", "page": 1, "document_sha256": "227ab529c499d83cfefba65b1af384ed24661ded0412bd07fe8f6dad8fd540b3", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood What’s covered? What’s not covered? Buildings and/or contents ✔ Loss or damage caused by: • flood* • flood water*, combined with run-off and rainwater.", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood What’s covered? What’s not covered? Buildings and/or contents ✔ Loss or damage caused by: • flood* • flood water*, combined with run-off and rainwater.", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-insurance-pds.pdf#page=23", "page": 23, "document_sha256": "5894f506483057cc59ae01e5f676efe5045cd4d91c3bec20b07af7da32e5c2d3", "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.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-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.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-insurance-pds.pdf#page=54", "page": 54, "document_sha256": "5894f506483057cc59ae01e5f676efe5045cd4d91c3bec20b07af7da32e5c2d3", "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. Landlord: lived in means tenants eating and sleeping there; applies if you knew or should have known.", "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": "Home & Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Home & Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf#page=2", "page": 2, "document_sha256": "c9fae2e0d2aabefa8636b02fc3fae222d66dc936724b3337143fb54aa1e2fb20", "confirmed": "2026-11-13" } }, "distributor": { "text": "Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 arranges the insurance, but does not guarantee the insurance.", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 arranges the insurance, but does not guarantee the insurance.", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf#page=2", "page": 2, "document_sha256": "c9fae2e0d2aabefa8636b02fc3fae222d66dc936724b3337143fb54aa1e2fb20", "confirmed": "2026-11-13" } } }, "curation_notes": "The PDS and key facts sheets on the Westpac Group sites read as 2021 documents (PDS effective 21 November 2021, key facts sheets prepared 1 September 2021) although the page labels them as applying to policies from 21 December 2025 and a pre-21Dec2025 copy is also linked. Westpac, St.George, Bank of Melbourne and BankSA all use the same Allianz policy.", "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": "233714", "name": "WESTPAC BANKING CORPORATION", "abn": "33007457141", "acn": null, "licensed_since": "2004-02-09", "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" } }, "page": "https://deepalmanac.com/au/insurance/building/bank-of-melbourne/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/bank-of-melbourne.json" }, { "slug": "banksa", "name": "BankSA", "website": "https://www.banksa.com.au/", "kind": "brand", "underwriter": "Allianz Australia Insurance Limited", "underwriter_abn": "15000122850", "underwriter_afsl": "234708", "lloyds": false, "distributor": { "name": "Westpac Banking Corporation (BankSA, a division)", "abn": "33007457141", "afsl": "233714", "authorised_representative_no": null }, "products": [ { "name": "BankSA Home Insurance (home and contents policy, building cover)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Home & Contents Insurance Product Disclosure Statement", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-home-contents-insurance-pds.pdf", "date": "2021-11-21" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-home-building-kfs.pdf", "date": "2021-09-01" } ], "quotes": { "product": { "text": "Compare BankSA's award-winning Home Insurance, provided by Allianz.", "url": "https://www.banksa.com.au/personal/insurance/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Compare BankSA's award-winning Home Insurance, provided by Allianz.", "url": "https://www.banksa.com.au/personal/insurance/home-insurance#:~:text=Compare%20BankSA%27s%20award%2Dwinning%20Home%20Insurance%2C%20provided%20by%20Allianz.", "document_sha256": "6423bdb0da5792c353e84dc563e0b02805408b9c54e73c85cc8e805804a896bc", "confirmed": "2026-11-13" } }, "channel": { "text": "Tailor your cover and get a quote in minutes, with pre-filled details to make it even easier when you sign in.", "url": "https://www.banksa.com.au/personal/insurance/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Tailor your cover and get a quote in minutes, with pre-filled details to make it even easier when you sign in.", "url": "https://www.banksa.com.au/personal/insurance/home-insurance#:~:text=Tailor%20your%20cover%20and%20get,easier%20when%20you%20sign%20in.", "document_sha256": "6423bdb0da5792c353e84dc563e0b02805408b9c54e73c85cc8e805804a896bc", "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://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-home-building-kfs.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://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-home-building-kfs.pdf#page=1", "page": 1, "document_sha256": "47485bb9f649c0bdd17eb2e8a24c749611393478b5a6fff20a15213b0cf01c6d", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood What’s covered? What’s not covered? Buildings and/or contents ✔ Loss or damage caused by: • flood* • flood water*, combined with run-off and rainwater.", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-home-contents-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood What’s covered? What’s not covered? Buildings and/or contents ✔ Loss or damage caused by: • flood* • flood water*, combined with run-off and rainwater.", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-home-contents-insurance-pds.pdf#page=23", "page": 23, "document_sha256": "8c1015125fb20ccd567f738a088249792e0ee1ca80bba945b9063e4db86de828", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Optional covers You can also upgrade your policy to include cover for: Accidental damage", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-home-contents-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Optional covers You can also upgrade your policy to include cover for: Accidental damage", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-home-contents-insurance-pds.pdf#page=7", "page": 7, "document_sha256": "8c1015125fb20ccd567f738a088249792e0ee1ca80bba945b9063e4db86de828", "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.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-home-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.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-home-contents-insurance-pds.pdf#page=56", "page": 56, "document_sha256": "8c1015125fb20ccd567f738a088249792e0ee1ca80bba945b9063e4db86de828", "confirmed": "2026-11-13" } } }, "conditions": [ "Flood is an insured event, with a 72-hour wait after you first take out or increase cover.", "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 two consecutive nights.", "then": null, "label": "No cover after 60 days" }, "id": "home-insurance-home-and-contents-policy-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": "BankSA Landlord Insurance (building cover)", "type": "landlord", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Landlord Insurance Product Disclosure Statement", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-landlord-insurance-pds.pdf", "date": "2021-11-21" }, { "title": "Key Facts Sheet - Landlord Building", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-landlord-building-kfs.pdf", "date": "2021-09-01" } ], "quotes": { "product": { "text": "Landlord Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-landlord-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Landlord Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-landlord-insurance-pds.pdf#page=2", "page": 2, "document_sha256": "85ff9df56560b3f12559ba89903f742107d4dc51da41a4d1314c0aac90fd3d00", "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://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-landlord-building-kfs.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://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-landlord-building-kfs.pdf#page=1", "page": 1, "document_sha256": "3924686c34fee9d4b5febab331160878fa8d432f8197748c65f4d97092294954", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood What’s covered? What’s not covered? Buildings and/or contents ✔ Loss or damage caused by: • flood* • flood water*, combined with run-off and rainwater.", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-landlord-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood What’s covered? What’s not covered? Buildings and/or contents ✔ Loss or damage caused by: • flood* • flood water*, combined with run-off and rainwater.", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-landlord-insurance-pds.pdf#page=23", "page": 23, "document_sha256": "85ff9df56560b3f12559ba89903f742107d4dc51da41a4d1314c0aac90fd3d00", "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.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-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.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-landlord-insurance-pds.pdf#page=54", "page": 54, "document_sha256": "85ff9df56560b3f12559ba89903f742107d4dc51da41a4d1314c0aac90fd3d00", "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. Landlord: lived in means tenants eating and sleeping there; applies if you knew or should have known.", "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": "Home & Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-home-contents-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Home & Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-home-contents-insurance-pds.pdf#page=2", "page": 2, "document_sha256": "8c1015125fb20ccd567f738a088249792e0ee1ca80bba945b9063e4db86de828", "confirmed": "2026-11-13" } }, "distributor": { "text": "Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 arranges the insurance, but does not guarantee the insurance.", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-home-contents-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 arranges the insurance, but does not guarantee the insurance.", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/insurance/bsa-home-contents-insurance-pds.pdf#page=2", "page": 2, "document_sha256": "8c1015125fb20ccd567f738a088249792e0ee1ca80bba945b9063e4db86de828", "confirmed": "2026-11-13" } } }, "curation_notes": "The PDS and key facts sheets on the Westpac Group sites read as 2021 documents (PDS effective 21 November 2021, key facts sheets prepared 1 September 2021) although the page labels them as applying to policies from 21 December 2025 and a pre-21Dec2025 copy is also linked. Westpac, St.George, Bank of Melbourne and BankSA all use the same Allianz policy.", "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": "233714", "name": "WESTPAC BANKING CORPORATION", "abn": "33007457141", "acn": null, "licensed_since": "2004-02-09", "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" } }, "page": "https://deepalmanac.com/au/insurance/building/banksa/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/banksa.json" }, { "slug": "bankvic", "name": "BankVic", "website": "https://www.bankvic.com.au/", "kind": "brand", "underwriter": "Allianz Australia Insurance Limited", "underwriter_abn": "15000122850", "underwriter_afsl": "234708", "lloyds": false, "distributor": { "name": "Police Financial Services Limited (trading as BankVic)", "abn": "33087651661", "afsl": "240293", "authorised_representative_no": null }, "products": [ { "name": "BankVic Home Insurance (home and contents policy, building cover)", "type": "home_building", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": "optional", "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Product Disclosure Statement", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1389FIBVIC102420251221/$FILE/POL1389FI_BVIC.pdf?open", "date": "2024-09-01" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSVBSimplifyHomeB4920924/$FILE/KFSVBSimplifyHomeB492.pdf?open", "date": "2024-09-01" } ], "quotes": { "product": { "text": "The insurer of this Home & Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1389FIBVIC102420251221/$FILE/POL1389FI_BVIC.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Home & Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1389FIBVIC102420251221/$FILE/POL1389FI_BVIC.pdf?open#page=2", "page": 2, "document_sha256": "d62ebcac27f92dbf1b44f043218c31ffdb71a4a23382ea116caf775e9c8fa326", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSVBSimplifyHomeB4920924/$FILE/KFSVBSimplifyHomeB492.pdf?open", "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://www.einsure.com.au/wb/public/openPolicyDocument/KFSVBSimplifyHomeB4920924/$FILE/KFSVBSimplifyHomeB492.pdf?open#page=1", "page": 1, "document_sha256": "765534f4cd37d86260a7b990b38ae9aa0f68158ccd3ac18d152256b5e0e6546e", "confirmed": "2026-11-13" } }, "flood": { "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSVBSimplifyHomeB4920924/$FILE/KFSVBSimplifyHomeB492.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/KFSVBSimplifyHomeB4920924/$FILE/KFSVBSimplifyHomeB492.pdf?open#page=1", "page": 1, "document_sha256": "765534f4cd37d86260a7b990b38ae9aa0f68158ccd3ac18d152256b5e0e6546e", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "What does it mean if I take the Accidental Damage cover option? This option can cover you against damage caused by sudden, unforeseen and unintended events", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1389FIBVIC102420251221/$FILE/POL1389FI_BVIC.pdf?open", "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 option can cover you against damage caused by sudden, unforeseen and unintended events", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1389FIBVIC102420251221/$FILE/POL1389FI_BVIC.pdf?open#page=7", "page": 7, "document_sha256": "d62ebcac27f92dbf1b44f043218c31ffdb71a4a23382ea116caf775e9c8fa326", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1389FIBVIC102420251221/$FILE/POL1389FI_BVIC.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/POL1389FIBVIC102420251221/$FILE/POL1389FI_BVIC.pdf?open#page=58", "page": 58, "document_sha256": "d62ebcac27f92dbf1b44f043218c31ffdb71a4a23382ea116caf775e9c8fa326", "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 on building cover." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unless BankVic agreed in writing beforehand (not unreasonably withheld). Lived in means someone eating and sleeping there two consecutive nights.", "then": null, "label": "No cover after 60 days" }, "id": "home-insurance-home-and-contents-policy-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": "BankVic 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 Product Disclosure Statement", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1411FIBVIC102420251221/$FILE/POL1411FI_BVIC.pdf?open", "date": "2024-09-01" }, { "title": "Key Facts Sheet - Landlord Building", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSVBSimplifyLandlordB4920924/$FILE/KFSVBSimplifyLandlordB492.pdf?open", "date": "2024-09-01" } ], "quotes": { "product": { "text": "The insurer of this Landlord Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1411FIBVIC102420251221/$FILE/POL1411FI_BVIC.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Landlord Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1411FIBVIC102420251221/$FILE/POL1411FI_BVIC.pdf?open#page=2", "page": 2, "document_sha256": "baf9ba2bf34b0aa9b750b2421b79a0ac238252bd36acd9c5c06a959241a35c44", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSVBSimplifyLandlordB4920924/$FILE/KFSVBSimplifyLandlordB492.pdf?open", "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://www.einsure.com.au/wb/public/openPolicyDocument/KFSVBSimplifyLandlordB4920924/$FILE/KFSVBSimplifyLandlordB492.pdf?open#page=1", "page": 1, "document_sha256": "8b358ae83def8c245e82d15c6413517a950ae7120384625a92b30337db13f81e", "confirmed": "2026-11-13" } }, "flood": { "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSVBSimplifyLandlordB4920924/$FILE/KFSVBSimplifyLandlordB492.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/KFSVBSimplifyLandlordB4920924/$FILE/KFSVBSimplifyLandlordB492.pdf?open#page=1", "page": 1, "document_sha256": "8b358ae83def8c245e82d15c6413517a950ae7120384625a92b30337db13f81e", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1411FIBVIC102420251221/$FILE/POL1411FI_BVIC.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/POL1411FIBVIC102420251221/$FILE/POL1411FI_BVIC.pdf?open#page=58", "page": 58, "document_sha256": "baf9ba2bf34b0aa9b750b2421b79a0ac238252bd36acd9c5c06a959241a35c44", "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 for the landlord policy was not stated in the documents read, so it is left blank." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unless BankVic agreed in writing beforehand. Landlord: lived in means tenants eating and sleeping there; applies if you knew or should have known.", "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": "The insurer of this Home & Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1389FIBVIC102420251221/$FILE/POL1389FI_BVIC.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Home & Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1389FIBVIC102420251221/$FILE/POL1389FI_BVIC.pdf?open#page=2", "page": 2, "document_sha256": "d62ebcac27f92dbf1b44f043218c31ffdb71a4a23382ea116caf775e9c8fa326", "confirmed": "2026-11-13" } }, "distributor": { "text": "Home & Contents Insurance is distributed by Police Financial Services Limited ABN 33 087 651 661 AFSL 240293", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1389FIBVIC102420251221/$FILE/POL1389FI_BVIC.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Home & Contents Insurance is distributed by Police Financial Services Limited ABN 33 087 651 661 AFSL 240293", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1389FIBVIC102420251221/$FILE/POL1389FI_BVIC.pdf?open#page=2", "page": 2, "document_sha256": "d62ebcac27f92dbf1b44f043218c31ffdb71a4a23382ea116caf775e9c8fa326", "confirmed": "2026-11-13" } } }, "curation_notes": "Distributor named in the PDS is Police Financial Services Limited; BankVic is its trading name on the website (bankvic.com.au).", "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": "240293", "name": "POLICE FINANCIAL SERVICES LIMITED", "abn": "33087651661", "acn": null, "licensed_since": "2004-01-05", "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/bankvic/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/bankvic.json" }, { "slug": "bendigo-bank", "name": "Bendigo Bank", "website": "https://www.bendigobank.com.au/", "kind": "brand", "underwriter": "Insurance Australia Limited", "underwriter_abn": "11000016722", "underwriter_afsl": "227681", "lloyds": false, "distributor": { "name": "Bendigo and Adelaide Bank Limited", "abn": "11068049178", "afsl": "237879", "authorised_representative_no": null }, "products": [ { "name": "Bendigo Bank Home Insurance (building cover)", "type": "home_building", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "choice", "buffer_percent": 25, "flood": "included", "accidental_damage": "optional", "levels": [ "Building Standard", "Building Plus" ], "eligibility": null, "states": null, "documents": [ { "title": "Home Insurance Product Disclosure Statement and Policy Booklet", "url": "https://www.cgu.com.au/documents/bendigobank/home/pds", "date": "2025-02-24" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.cgu.com.au/documents/cgu-partners/home-building/kfs", "date": "2026-08-10" } ], "quotes": { "product": { "text": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/bendigobank/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/bendigobank/home/pds#page=2", "page": 2, "document_sha256": "0325e52313f6f136f4993970aefae0968864b49f74d9bf460f4d769d7b36d624", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.", "url": "https://www.cgu.com.au/documents/bendigobank/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.", "url": "https://www.cgu.com.au/documents/bendigobank/home/pds#page=22", "page": 22, "document_sha256": "0325e52313f6f136f4993970aefae0968864b49f74d9bf460f4d769d7b36d624", "confirmed": "2026-11-13" } }, "flood": { "text": "Covered as Flood or Rainwater Run-off.", "url": "https://www.cgu.com.au/documents/cgu-partners/home-building/kfs", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Covered as Flood or Rainwater Run-off.", "url": "https://www.cgu.com.au/documents/cgu-partners/home-building/kfs#page=1", "page": 1, "document_sha256": "48ddf90ed3ae6f5da76eeb2b587b36030603d48a5bc5762e6cf990225dc4e35f", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Cover Building Plus Contents Plus Building Standard Contents Standard Accidental damage – at Your Home Optional Optional", "url": "https://www.cgu.com.au/documents/bendigobank/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover Building Plus Contents Plus Building Standard Contents Standard Accidental damage – at Your Home Optional Optional", "url": "https://www.cgu.com.au/documents/bendigobank/home/pds#page=5", "page": 5, "document_sha256": "0325e52313f6f136f4993970aefae0968864b49f74d9bf460f4d769d7b36d624", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Your Home being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/bendigobank/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Your Home being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/bendigobank/home/pds#page=26", "page": 26, "document_sha256": "0325e52313f6f136f4993970aefae0968864b49f74d9bf460f4d769d7b36d624", "confirmed": "2026-11-13" } } }, "conditions": [ "The 25% Safety net (extra cover on top of the building sum insured) is available only with Building Plus; Building Standard is sum insured only.", "Accidental damage is an optional extra on both levels." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Only if also not kept in a lived-in state (lawns mowed, mail and newspapers stopped, someone checking inside and out weekly).", "then": null, "label": "No cover after 60 days" }, "id": "home-insurance-building-cover", "type_label": "Home building", "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "Bendigo Bank Landlord Insurance (building cover)", "type": "landlord", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "choice", "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Landlord Insurance Product Disclosure Statement and Policy Booklet", "url": "https://www.cgu.com.au/documents/bendigobank/landlord/pds", "date": "2025-02-24" } ], "quotes": { "product": { "text": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/bendigobank/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/bendigobank/landlord/pds#page=2", "page": 2, "document_sha256": "2226c2ad95439567f6edf3f15bcd3788c18d36833ead31fb5e27e90a2c7b81bf", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Cover Building Contents Rent default Optional Optional Safety net Optional", "url": "https://www.cgu.com.au/documents/bendigobank/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover Building Contents Rent default Optional Optional Safety net Optional", "url": "https://www.cgu.com.au/documents/bendigobank/landlord/pds#page=4", "page": 4, "document_sha256": "2226c2ad95439567f6edf3f15bcd3788c18d36833ead31fb5e27e90a2c7b81bf", "confirmed": "2026-11-13" } }, "flood": { "text": "Cover for loss or damage to Your Rental Property and Contents Accidental breakage of glass Animal damage Damage by occupant Deliberate or intentional act Earthquake Electrical motor burnout Escape of water or liquid Explosion Fire Flood or Rainwater Run-off Impact Lightning Riot or civil commotion Storm Storm Surge or tsunami Theft by Tenant Theft or attempted theft", "url": "https://www.cgu.com.au/documents/bendigobank/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for loss or damage to Your Rental Property and Contents Accidental breakage of glass Animal damage Damage by occupant Deliberate or intentional act Earthquake Electrical motor burnout Escape of water or liquid Explosion Fire Flood or Rainwater Run-off Impact Lightning Riot or civil commotion Storm Storm Surge or tsunami Theft by Tenant Theft or attempted theft", "url": "https://www.cgu.com.au/documents/bendigobank/landlord/pds#page=4", "page": 4, "document_sha256": "2226c2ad95439567f6edf3f15bcd3788c18d36833ead31fb5e27e90a2c7b81bf", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/bendigobank/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/bendigobank/landlord/pds#page=19", "page": 19, "document_sha256": "2226c2ad95439567f6edf3f15bcd3788c18d36833ead31fb5e27e90a2c7b81bf", "confirmed": "2026-11-13" } } }, "conditions": [ "Safety net (extra cover if rebuild costs exceed the building sum insured) is an optional benefit on the landlord policy." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Only if also not kept in a lived-in state (lawns mowed, mail and newspapers stopped, someone checking inside and out weekly).", "then": null, "label": "No cover after 60 days" }, "id": "landlord-insurance-building-cover", "type_label": "Landlord", "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/bendigobank/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/bendigobank/home/pds#page=2", "page": 2, "document_sha256": "0325e52313f6f136f4993970aefae0968864b49f74d9bf460f4d769d7b36d624", "confirmed": "2026-11-13" } }, "distributor": { "text": "In arranging these insurance policies, Bendigo and Adelaide Bank Limited ABN 11 068 049 178, AFSL 237879 (Bendigo Bank) acts under its own AFSL and under an agreement with the issuer.", "url": "https://www.bendigobank.com.au/insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "In arranging these insurance policies, Bendigo and Adelaide Bank Limited ABN 11 068 049 178, AFSL 237879 (Bendigo Bank) acts under its own AFSL and under an agreement with the issuer.", "url": "https://www.bendigobank.com.au/insurance#:~:text=In%20arranging%20these%20insurance%20policies%2C,an%20agreement%20with%20the%20issuer.", "document_sha256": "75fd3215c65cbe1c1c5b9e91bb3631303bbcda2e99d96592189f7aca2dae4b24", "confirmed": "2026-11-13" } } }, "curation_notes": "Bendigo's disclosure documents page also still lists older CGU Gold/Silver Home and Contents (Life Rewards) PDS files for earlier policies; the current Feb 2025 PDS was used.", "segments": [ "residential" ], "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "237879", "name": "BENDIGO AND ADELAIDE BANK LIMITED", "abn": "11068049178", "acn": null, "licensed_since": "2004-02-16", "locality": "Bendigo VIC 3550", "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/bendigo-bank/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/bendigo-bank.json" }, { "slug": "bhsi", "name": "Berkshire Hathaway Specialty Insurance", "website": "https://www.bhspecialty.com/", "kind": "insurer", "underwriter": "Berkshire Hathaway Specialty Insurance Company", "underwriter_abn": "84600643034", "underwriter_afsl": "466713", "lloyds": false, "distributor": null, "products": [ { "name": "BHSI Australia Commercial Property (All Risk Property)", "type": "industrial_property", "segment": "industrial", "channel": null, "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Industry focus includes manufacturing, food & beverage production, transport & logistics/warehousing, real estate portfolios/property owners, healthcare, education, government & infrastructure.", "states": null, "documents": [ { "title": "BHSI Australia appetite guide (05-07-2026)", "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Australia-Combined-AAG.pdf", "date": "2026-07-05" } ], "quotes": { "product": { "text": "Berkshire Hathaway Specialty Insurance (BHSI) Australia provides commercial property, casualty, healthcare lines, accident & health, executive and professional lines, cyber, construction, power, energy, mining and marine, transport & logistics liability insurance.", "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Australia-Combined-AAG.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Berkshire Hathaway Specialty Insurance (BHSI) Australia provides commercial property, casualty, healthcare lines, accident & health, executive and professional lines, cyber, construction, power, energy, mining and marine, transport & logistics liability insurance.", "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Australia-Combined-AAG.pdf#page=5", "page": 5, "document_sha256": "66a78b6e9ed1447f6cbb87e43e5f3da996c89f2aa2ed910364ea8c9ad1f8ac5a", "confirmed": "2026-11-13" } } }, "conditions": [ "Appetite guide lists 'All Risk Property' under PROPERTY; no minimum or wording published." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "australia-commercial-property-all-risk-property", "type_label": "Industrial property", "issuers": [ { "name": "Berkshire Hathaway Specialty Insurance Company", "abn": "84600643034", "afsl": "466713", "lloyds": false, "slug": "berkshire-hathaway-specialty-insurance", "apra": { "status": "authorised", "name": "Berkshire Hathaway Specialty Insurance Company", "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": "466713", "name": "BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY", "abn": "84600643034", "acn": null, "licensed_since": "2015-04-23", "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": "BHSI Australia Middle Market Property (ISR)", "type": "isr", "segment": "industrial", "channel": null, "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Middle-market property risks with total insured values starting from AUD 15,000,000.", "states": null, "documents": [ { "title": "Middle Market Overview - Australia", "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Middle-Market-Overview-Australia.pdf", "date": null }, { "title": "Corporate Property Overview - Australia", "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Corporate-Property-Overview-Australia.pdf", "date": null } ], "quotes": { "product": { "text": "ISR Mark IV or V, manuscript forms", "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Middle-Market-Overview-Australia.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "ISR Mark IV or V, manuscript forms", "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Middle-Market-Overview-Australia.pdf#page=1", "page": 1, "document_sha256": "d0c558f4fce15a511c5b2abe6342b8250d25ce6242689e9dd0109f2d73ff09d6", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Opportunities with TIV starting from AUD 15,000,000", "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Middle-Market-Overview-Australia.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Opportunities with TIV starting from AUD 15,000,000", "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Middle-Market-Overview-Australia.pdf#page=1", "page": 1, "document_sha256": "d0c558f4fce15a511c5b2abe6342b8250d25ce6242689e9dd0109f2d73ff09d6", "confirmed": "2026-11-13" } } }, "conditions": [ "Cover is ISR (industrial special risks) wordings, so this is closer to the industrial segment than to small-business property.", "BHSI's property page lists 'Real Estate Portfolios/Property Owners' as an industry focus." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "australia-middle-market-property-isr", "type_label": "Industrial special risks (ISR)", "issuers": [ { "name": "Berkshire Hathaway Specialty Insurance Company", "abn": "84600643034", "afsl": "466713", "lloyds": false, "slug": "berkshire-hathaway-specialty-insurance", "apra": { "status": "authorised", "name": "Berkshire Hathaway Specialty Insurance Company", "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": "466713", "name": "BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY", "abn": "84600643034", "acn": null, "licensed_since": "2015-04-23", "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": "Berkshire Hathaway Specialty Insurance Company (incorporated in Nebraska, USA) ABN 84 600 643 034, AFS License No. 466713", "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Australia-Combined-AAG.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Berkshire Hathaway Specialty Insurance Company (incorporated in Nebraska, USA) ABN 84 600 643 034, AFS License No. 466713", "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Australia-Combined-AAG.pdf#page=8", "page": 8, "document_sha256": "66a78b6e9ed1447f6cbb87e43e5f3da996c89f2aa2ed910364ea8c9ad1f8ac5a", "confirmed": "2026-11-13" } } }, "curation_notes": "The Australian pages are at bhspecialty.com/aus/ (not /au). The cookie-wall interstitial hides content from plain fetches; read with headless Chromium. Property lines are sold to brokers; the middle-market ISR offer is additional to the All Risk Property product recorded by the industrial group.", "segments": [ "industrial" ], "issuers": [ { "name": "Berkshire Hathaway Specialty Insurance Company", "abn": "84600643034", "afsl": "466713", "lloyds": false, "slug": "berkshire-hathaway-specialty-insurance", "apra": { "status": "authorised", "name": "Berkshire Hathaway Specialty Insurance Company", "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": "466713", "name": "BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY", "abn": "84600643034", "acn": null, "licensed_since": "2015-04-23", "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": null, "page": "https://deepalmanac.com/au/insurance/building/bhsi/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/bhsi.json" }, { "slug": "beyond-bank", "name": "Beyond Bank Australia", "website": "https://www.beyondbank.com.au/", "kind": "brand", "underwriter": "Allianz Australia Insurance Limited", "underwriter_abn": "15000122850", "underwriter_afsl": "234708", "lloyds": false, "distributor": { "name": "Beyond Bank Australia Limited", "abn": "15087651143", "afsl": "237856", "authorised_representative_no": null }, "products": [ { "name": "Beyond Bank Australia Home Insurance (home and contents policy, building cover)", "type": "home_building", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": "optional", "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Product Disclosure Statement", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1380FIBBA102420251221/$FILE/POL1380FI_BBA.pdf?open", "date": "2024-09-01" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSCPSimplifyHomeB4590924/$FILE/KFSCPSimplifyHomeB459.pdf?open", "date": "2024-09-01" } ], "quotes": { "product": { "text": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1380FIBBA102420251221/$FILE/POL1380FI_BBA.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1380FIBBA102420251221/$FILE/POL1380FI_BBA.pdf?open#page=2", "page": 2, "document_sha256": "6023d0dfb939850626bb6ae850aca46e1ea4fdcedd3d72b365769d874ba63f6e", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSCPSimplifyHomeB4590924/$FILE/KFSCPSimplifyHomeB459.pdf?open", "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://www.einsure.com.au/wb/public/openPolicyDocument/KFSCPSimplifyHomeB4590924/$FILE/KFSCPSimplifyHomeB459.pdf?open#page=1", "page": 1, "document_sha256": "2145d9e9fca9056246e144b6c99d8e5f9ce408e18ded74c5b84452b80e00d685", "confirmed": "2026-11-13" } }, "flood": { "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSCPSimplifyHomeB4590924/$FILE/KFSCPSimplifyHomeB459.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/KFSCPSimplifyHomeB4590924/$FILE/KFSCPSimplifyHomeB459.pdf?open#page=1", "page": 1, "document_sha256": "2145d9e9fca9056246e144b6c99d8e5f9ce408e18ded74c5b84452b80e00d685", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "What does it mean if I take the Accidental Damage cover option? This option can cover you against damage caused by sudden, unforeseen and unintended events", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1380FIBBA102420251221/$FILE/POL1380FI_BBA.pdf?open", "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 option can cover you against damage caused by sudden, unforeseen and unintended events", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1380FIBBA102420251221/$FILE/POL1380FI_BBA.pdf?open#page=7", "page": 7, "document_sha256": "6023d0dfb939850626bb6ae850aca46e1ea4fdcedd3d72b365769d874ba63f6e", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1380FIBBA102420251221/$FILE/POL1380FI_BBA.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/POL1380FIBBA102420251221/$FILE/POL1380FI_BBA.pdf?open#page=58", "page": 58, "document_sha256": "6023d0dfb939850626bb6ae850aca46e1ea4fdcedd3d72b365769d874ba63f6e", "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 on building cover." ], "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 two consecutive nights.", "then": null, "label": "No cover after 60 days" }, "id": "australia-home-insurance-home-and-contents-policy-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": "Beyond Bank Australia 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 Product Disclosure Statement", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1402FIBBA102420251221/$FILE/POL1402FI_BBA.pdf?open", "date": "2024-09-01" }, { "title": "Key Facts Sheet - Landlord Building", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSCPSimplifyLandlordB4590924/$FILE/KFSCPSimplifyLandlordB459.pdf?open", "date": "2024-09-01" } ], "quotes": { "product": { "text": "The insurer of this Landlord Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1402FIBBA102420251221/$FILE/POL1402FI_BBA.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Landlord Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1402FIBBA102420251221/$FILE/POL1402FI_BBA.pdf?open#page=2", "page": 2, "document_sha256": "06aee218779d5b8cb6fd1b31d8cd28e55c059b1eeeef626ceba17b22ecc661ff", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSCPSimplifyLandlordB4590924/$FILE/KFSCPSimplifyLandlordB459.pdf?open", "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://www.einsure.com.au/wb/public/openPolicyDocument/KFSCPSimplifyLandlordB4590924/$FILE/KFSCPSimplifyLandlordB459.pdf?open#page=1", "page": 1, "document_sha256": "de15caaecc1a214d4e0bf0a38882ee486417ec748dd55ecfb283731c1d596fa5", "confirmed": "2026-11-13" } }, "flood": { "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSCPSimplifyLandlordB4590924/$FILE/KFSCPSimplifyLandlordB459.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/KFSCPSimplifyLandlordB4590924/$FILE/KFSCPSimplifyLandlordB459.pdf?open#page=1", "page": 1, "document_sha256": "de15caaecc1a214d4e0bf0a38882ee486417ec748dd55ecfb283731c1d596fa5", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1402FIBBA102420251221/$FILE/POL1402FI_BBA.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/POL1402FIBBA102420251221/$FILE/POL1402FI_BBA.pdf?open#page=58", "page": 58, "document_sha256": "06aee218779d5b8cb6fd1b31d8cd28e55c059b1eeeef626ceba17b22ecc661ff", "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 for the landlord policy was not stated in the documents read, so it is left blank." ], "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. Landlord: lived in means tenants eating and sleeping there; applies if you knew or should have known.", "then": null, "label": "No cover after 60 days" }, "id": "australia-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": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1380FIBBA102420251221/$FILE/POL1380FI_BBA.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1380FIBBA102420251221/$FILE/POL1380FI_BBA.pdf?open#page=2", "page": 2, "document_sha256": "6023d0dfb939850626bb6ae850aca46e1ea4fdcedd3d72b365769d874ba63f6e", "confirmed": "2026-11-13" } }, "distributor": { "text": "Home and Contents Insurance is distributed by Beyond Bank Australia Limited ABN 15 087 651 143, AFSL/Australian Credit Licence 237856.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1380FIBBA102420251221/$FILE/POL1380FI_BBA.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Home and Contents Insurance is distributed by Beyond Bank Australia Limited ABN 15 087 651 143, AFSL/Australian Credit Licence 237856.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1380FIBBA102420251221/$FILE/POL1380FI_BBA.pdf?open#page=2", "page": 2, "document_sha256": "6023d0dfb939850626bb6ae850aca46e1ea4fdcedd3d72b365769d874ba63f6e", "confirmed": "2026-11-13" } } }, "curation_notes": null, "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": "237856", "name": "BEYOND BANK AUSTRALIA LIMITED", "abn": "15087651143", "acn": null, "licensed_since": "2003-12-01", "locality": "Adelaide SA 5000", "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/beyond-bank/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/beyond-bank.json" }, { "slug": "boq-insurance", "name": "BOQ Insurance", "website": "https://www.boq.com.au/", "kind": "brand", "underwriter": "Zurich Australian Insurance Limited", "underwriter_abn": "13000296640", "underwriter_afsl": "232507", "lloyds": false, "distributor": { "name": "Honey Insurance Pty Ltd (underwriting agency; BOQ provides services on behalf of Honey Insurance)", "abn": "52643672628", "afsl": "528244", "authorised_representative_no": null }, "products": [ { "name": "BOQ Home Insurance (Household policy, building cover)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Household Insurance Product Disclosure Statement", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-household-BOQHH-2610.pdf", "date": "2026-08-01" }, { "title": "Key Facts Sheet - Home building", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-household-2610.pdf", "date": "2026-08-01" }, { "title": "Target Market Determination - Household", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-target-market-determination-household-2610.pdf", "date": "2026-10-01" } ], "quotes": { "product": { "text": "Important: From 1 October 2026, BOQ Insurance policies will be underwritten by Zurich Australian Insurance Limited (AFSL 232507).", "url": "https://www.boq.com.au/personal/insurance/home-and-contents-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Important: From 1 October 2026, BOQ Insurance policies will be underwritten by Zurich Australian Insurance Limited (AFSL 232507).", "url": "https://www.boq.com.au/personal/insurance/home-and-contents-insurance#:~:text=Important%3A%20From%201%20October%202026%2C,Australian%20Insurance%20Limited%20%28AFSL%20232507%29.", "document_sha256": "60b4d43a0e45643649a94012037162fcf9fd6bdd2a861fcd11a8d24511c48fd4", "confirmed": "2026-11-13" } }, "channel": { "text": "Get a quote in as little as 3 minutes.", "url": "https://www.boq.com.au/personal/insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Get a quote in as little as 3 minutes.", "url": "https://www.boq.com.au/personal/insurance#:~:text=Get%20a%20quote%20in%20as%20little%20as%203%20minutes.", "document_sha256": "d731417d928b4fb1be1bddd36428c24feafba9e098e0b0915ff06fb56af50549", "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://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-household-2610.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://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-household-2610.pdf#page=1", "page": 1, "document_sha256": "bde4df0592e911b0b96ca5579c06506450261f91d3779aa4cc9d4e9212a8901b", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood Yes You’re not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-household-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood Yes You’re not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-household-2610.pdf#page=1", "page": 1, "document_sha256": "bde4df0592e911b0b96ca5579c06506450261f91d3779aa4cc9d4e9212a8901b", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Optional – We cover accidental damage to some items under the optional benefit of Advanced cover.", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-household-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Optional – We cover accidental damage to some items under the optional benefit of Advanced cover.", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-household-2610.pdf#page=1", "page": 1, "document_sha256": "bde4df0592e911b0b96ca5579c06506450261f91d3779aa4cc9d4e9212a8901b", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "If your home is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-household-BOQHH-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If your home is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-household-BOQHH-2610.pdf#page=99", "page": 99, "document_sha256": "5baccf86e1be934f37ef3efa54540a892cedb68d79704c41b789bf19dade42df", "confirmed": "2026-11-13" } } }, "conditions": [ "Accidental damage is available under the optional benefit 'Advanced cover' (also includes motor burnout)." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1500, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unoccupied also if someone stays on average less than one night a week. Cover for insured events continues.", "then": null, "label": "Extra $1,500 excess after 60 days" }, "id": "boq-home-insurance-household-policy-building-cover", "type_label": "Home building", "issuers": [ { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "lloyds": false, "slug": "zurich-australian-insurance", "apra": { "status": "authorised", "name": "Zurich Australian 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": "232507", "name": "ZURICH AUSTRALIAN INSURANCE LIMITED", "abn": "13000296640", "acn": null, "licensed_since": "2004-01-31", "locality": "North Sydney NSW 2060", "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": "BOQ Landlord Insurance (building cover)", "type": "landlord", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Landlord Insurance Product Disclosure Statement", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-landlord-BOQLL-2610.pdf", "date": null }, { "title": "Key Facts Sheet - Landlord building", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-landlord-2610.pdf", "date": null } ], "quotes": { "product": { "text": "The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640 (“ZAIL”, “we”, “us”, “our”, or “insurer”), AFSL 232507.", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-landlord-BOQLL-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640 (“ZAIL”, “we”, “us”, “our”, or “insurer”), AFSL 232507.", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-landlord-BOQLL-2610.pdf#page=2", "page": 2, "document_sha256": "fe09657e49fc4acee3d7457049ffd97fd2d97e928d271e45bc96490d9121eaff", "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://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-landlord-2610.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://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-landlord-2610.pdf#page=1", "page": 1, "document_sha256": "5530d5a4658274dd81fa0092f1e411fd0ccdb483550d23baa9578412a40e7de6", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood Yes You’re not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-landlord-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood Yes You’re not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-landlord-2610.pdf#page=1", "page": 1, "document_sha256": "5530d5a4658274dd81fa0092f1e411fd0ccdb483550d23baa9578412a40e7de6", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "If your rental property is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-landlord-BOQLL-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If your rental property is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-landlord-BOQLL-2610.pdf#page=75", "page": 75, "document_sha256": "fe09657e49fc4acee3d7457049ffd97fd2d97e928d271e45bc96490d9121eaff", "confirmed": "2026-11-13" } } }, "conditions": [], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1500, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unoccupied also if someone stays on average less than one night a week, so a vacancy between tenants counts. Cover for insured events continues.", "then": null, "label": "Extra $1,500 excess after 60 days" }, "id": "boq-landlord-insurance-building-cover", "type_label": "Landlord", "issuers": [ { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "lloyds": false, "slug": "zurich-australian-insurance", "apra": { "status": "authorised", "name": "Zurich Australian 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": "232507", "name": "ZURICH AUSTRALIAN INSURANCE LIMITED", "abn": "13000296640", "acn": null, "licensed_since": "2004-01-31", "locality": "North Sydney NSW 2060", "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": "The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640 (“ZAIL”, “we”, “us”, “our”, or “insurer”), AFSL 232507.", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-household-BOQHH-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640 (“ZAIL”, “we”, “us”, “our”, or “insurer”), AFSL 232507.", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-household-BOQHH-2610.pdf#page=2", "page": 2, "document_sha256": "5baccf86e1be934f37ef3efa54540a892cedb68d79704c41b789bf19dade42df", "confirmed": "2026-11-13" } }, "distributor": { "text": "Honey Insurance Pty Ltd ABN 52 643 672 628, AFSL 528244 (Honey Insurance) of PO Box 129, Surry Hills NSW, 2010 distributes and manages your insurance policy.", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-household-BOQHH-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Honey Insurance Pty Ltd ABN 52 643 672 628, AFSL 528244 (Honey Insurance) of PO Box 129, Surry Hills NSW, 2010 distributes and manages your insurance policy.", "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-household-BOQHH-2610.pdf#page=2", "page": 2, "document_sha256": "5baccf86e1be934f37ef3efa54540a892cedb68d79704c41b789bf19dade42df", "confirmed": "2026-11-13" } } }, "curation_notes": "Changed underwriter on 1 October 2026: policies before that were underwritten by RACQ Insurance Limited (ABN 50 009 704 152, AFSL 233082) per the October 2023 PDS (https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-household-BOQHH-2310b.pdf); the October 2026 PDS names Zurich Australian Insurance Limited. Honey Insurance Pty Ltd is an underwriting agency with a binding authority; BOQ is the brand and provides services on behalf of Honey.", "segments": [ "residential" ], "issuers": [ { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "lloyds": false, "slug": "zurich-australian-insurance", "apra": { "status": "authorised", "name": "Zurich Australian 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": "232507", "name": "ZURICH AUSTRALIAN INSURANCE LIMITED", "abn": "13000296640", "acn": null, "licensed_since": "2004-01-31", "locality": "North Sydney NSW 2060", "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": "528244", "name": "HONEY INSURANCE PTY LTD", "abn": "52643672628", "acn": null, "licensed_since": "2021-04-30", "locality": "The Rocks 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" } }, "page": "https://deepalmanac.com/au/insurance/building/boq-insurance/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/boq-insurance.json" }, { "slug": "budget-direct", "name": "Budget Direct", "website": "https://www.budgetdirect.com.au/", "kind": "brand", "underwriter": "Auto & General Insurance Company Limited", "underwriter_abn": "42111586353", "underwriter_afsl": "285571", "lloyds": false, "distributor": null, "products": [ { "name": "Budget Direct Home Building Insurance", "type": "home_building", "segment": "residential", "channel": "direct", "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 (prepared 21 September 2023)", "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf", "date": "2023-09-21" }, { "title": "Supplementary PDS (prepared 5 March 2026)", "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/BUDD/legal/home/20260625_SPDSBUDD.pdf", "date": "2026-03-05" }, { "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/BUDD/legal/home/TMD.pdf", "date": "2025-07-10" } ], "quotes": { "product": { "text": "Budget Direct Home Building Insurance covers your house and outbuildings against loss or damage caused by the following insured events:", "url": "https://www.budgetdirect.com.au/home-contents-insurance/building-insurance.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Budget Direct Home Building Insurance covers your house and outbuildings against loss or damage caused by the following insured events:", "url": "https://www.budgetdirect.com.au/home-contents-insurance/building-insurance.html#:~:text=Budget%20Direct%20Home%20Building%20Insurance,by%20the%20following%20insured%20events%3A", "document_sha256": "0a9eb44ae08a7e11f1a862b883e3cc75c758f6236ef8258d07bd51ada4437229", "confirmed": "2026-11-13" } }, "channel": { "text": "The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.", "url": "https://www.budgetdirect.com.au/home-contents-insurance/building-insurance.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.", "url": "https://www.budgetdirect.com.au/home-contents-insurance/building-insurance.html#:~:text=The%20Online%20Discount%20is%20available,quote%20reference%20number%20if%20requested.", "document_sha256": "0a9eb44ae08a7e11f1a862b883e3cc75c758f6236ef8258d07bd51ada4437229", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "If the cost exceeds your sum insured, this option will increase the amount we pay by up to an additional 25% of the sum insured stated on your Insurance Certificate.", "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If the cost exceeds your sum insured, this option will increase the amount we pay by up to an additional 25% of the sum insured stated on your Insurance Certificate.", "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=58", "page": 58, "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood is not automatically covered but you can apply for optional Flood cover.", "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.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://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=9", "page": 9, "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "If you want cover for accidents like these, you'll need Accidental Damage cover.", "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.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://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=9", "page": 9, "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e", "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/BUDD/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/BUDD/legal/home/TMD.pdf#page=2", "page": 2, "document_sha256": "853f4b83a046c5e379d23a2176859d078fd4ef5711a5e3c8908adc6970bb0351", "confirmed": "2026-11-13" } }, "buffer_percent": { "text": "If the cost exceeds your sum insured, this option will increase the amount we pay by up to an additional 25% of the sum insured stated on your Insurance Certificate.", "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If the cost exceeds your sum insured, this option will increase the amount we pay by up to an additional 25% of the sum insured stated on your Insurance Certificate.", "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=58", "page": 58, "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e", "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://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.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://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=16", "page": 16, "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e", "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": "Must keep it secure, garden and mail tidy and checked regularly, or a claim may be refused or reduced. Unoccupied means nobody sleeping or living there two or more days in a row.", "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": [] } } ] }, { "name": "Budget Direct Landlord Insurance", "type": "landlord", "segment": "residential", "channel": "direct", "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 (prepared 21 September 2023)", "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf", "date": "2023-09-21" }, { "title": "Supplementary PDS (prepared 5 March 2026)", "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/BUDD/legal/home/20260625_SPDSBUDD.pdf", "date": "2026-03-05" }, { "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/BUDD/legal/home/TMD.pdf", "date": "2025-07-10" } ], "quotes": { "product": { "text": "Budget Direct's Landlord Insurance is similar to our Home and Contents Insurance but with additional optional covers like Tenant Default and Theft and Malicious Damage by Tenants.", "url": "https://www.budgetdirect.com.au/home-contents-insurance/landlord-insurance.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Budget Direct's Landlord Insurance is similar to our Home and Contents Insurance but with additional optional covers like Tenant Default and Theft and Malicious Damage by Tenants.", "url": "https://www.budgetdirect.com.au/home-contents-insurance/landlord-insurance.html#:~:text=Budget%20Direct%27s%20Landlord%20Insurance%20is,and%20Malicious%20Damage%20by%20Tenants.", "document_sha256": "d23859602caaa6695358dcd384ea51574440aec638306d00235a67908af76320", "confirmed": "2026-11-13" } }, "channel": { "text": "The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.", "url": "https://www.budgetdirect.com.au/home-contents-insurance/landlord-insurance.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.", "url": "https://www.budgetdirect.com.au/home-contents-insurance/landlord-insurance.html#:~:text=The%20Online%20Discount%20is%20available,quote%20reference%20number%20if%20requested.", "document_sha256": "d23859602caaa6695358dcd384ea51574440aec638306d00235a67908af76320", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "If the cost exceeds your sum insured, this option will increase the amount we pay by up to an additional 25% of the sum insured stated on your Insurance Certificate.", "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If the cost exceeds your sum insured, this option will increase the amount we pay by up to an additional 25% of the sum insured stated on your Insurance Certificate.", "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=58", "page": 58, "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood is not automatically covered but you can apply for optional Flood cover.", "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.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://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=9", "page": 9, "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "If you want cover for accidents like these, you'll need Accidental Damage cover.", "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.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://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=9", "page": 9, "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e", "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/BUDD/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/BUDD/legal/home/TMD.pdf#page=2", "page": 2, "document_sha256": "853f4b83a046c5e379d23a2176859d078fd4ef5711a5e3c8908adc6970bb0351", "confirmed": "2026-11-13" } }, "buffer_percent": { "text": "If the cost exceeds your sum insured, this option will increase the amount we pay by up to an additional 25% of the sum insured stated on your Insurance Certificate.", "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If the cost exceeds your sum insured, this option will increase the amount we pay by up to an additional 25% of the sum insured stated on your Insurance Certificate.", "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=58", "page": 58, "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e", "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://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.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://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=16", "page": 16, "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e", "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).", "Landlord Options (tenant default; theft and malicious damage by tenants) are optional extras in the same PDS." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1000, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Must keep it secure, garden and mail tidy and checked regularly, or a claim may be refused or reduced. Unoccupied means nobody sleeping or living there two or more days in a row.", "then": { "days": 180, "effect": "no_cover" }, "label": "Extra $1,000 excess after 60 days; no cover at all after 180 days" }, "id": "landlord-insurance", "type_label": "Landlord", "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/BUDD/legal/home/20260625_SPDSBUDD.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/BUDD/legal/home/20260625_SPDSBUDD.pdf#page=1", "page": 1, "document_sha256": "0da98d7b924755a0f951bafde2cee62787d45fc5a6ba8caa6475177da611aada", "confirmed": "2026-11-13" } } }, "curation_notes": "Budget Direct is owned by Auto & General Services Pty Ltd (AGS); AGIC issues the policy. One PDS (prepared 21 Sept 2023, with a 2026 supplementary PDS) covers Home, Contents and Landlord cover. Key Facts Sheet is the generic A&G home building KFS (not brand-specific). The PDS lists Sum Insured Safeguard (optional, up to 25% extra) so cover basis is recorded as 'choice'.", "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/budget-direct/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/budget-direct.json" }, { "slug": "cgu", "name": "CGU", "website": "https://www.cgu.com.au/", "kind": "brand", "underwriter": "CGU Australia Pty Ltd", "underwriter_abn": "62004478960", "underwriter_afsl": "700014", "lloyds": false, "distributor": null, "products": [ { "name": "CGU Business Pack (Business Insurance)", "type": "business_property", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Business Insurance PDS and Policy Booklet (CV671 rev8, August 2025)", "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf", "date": "2025-08-01" }, { "title": "Target Market Determination TMDBU001 (IAG index, Business)", "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdbu001-rev0-1021.pdf", "date": "2021-10-05" } ], "quotes": { "product": { "text": "Comprehensive cover for small business owners to protect what they’ve built, so they can focus on what’s next.", "url": "https://www.cgu.com.au/insurance/business/business-pack", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Comprehensive cover for small business owners to protect what they’ve built, so they can focus on what’s next.", "url": "https://www.cgu.com.au/insurance/business/business-pack#:~:text=Comprehensive%20cover%20for%20small%20business,can%20focus%20on%20what%E2%80%99s%20next.", "document_sha256": "a12a2abb6d5aa195f5ecf88d8ca14ff99114402ad38652d88e9b9cc13a113ccb", "confirmed": "2026-11-13" } }, "channel": { "text": "CGU is an intermediated insurance brand.", "url": "https://www.cgu.com.au/insurance/business/business-pack", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "CGU is an intermediated insurance brand.", "url": "https://www.cgu.com.au/insurance/business/business-pack#:~:text=CGU%20is%20an%20intermediated%20insurance%20brand.", "document_sha256": "a12a2abb6d5aa195f5ecf88d8ca14ff99114402ad38652d88e9b9cc13a113ccb", "confirmed": "2026-11-13" } }, "online_quote": { "text": "Our Business Insurance product can be easily quoted online through your Broker quote Platforms.", "url": "https://www.cgu.com.au/insurance/business/business-pack", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Our Business Insurance product can be easily quoted online through your Broker quote Platforms.", "url": "https://www.cgu.com.au/insurance/business/business-pack#:~:text=Our%20Business%20Insurance%20product%20can,through%20your%20Broker%20quote%20Platforms.", "document_sha256": "a12a2abb6d5aa195f5ecf88d8ca14ff99114402ad38652d88e9b9cc13a113ccb", "confirmed": "2026-11-13" } }, "flood": { "text": "We will not provide any cover, for a period of 72 hours from the time of the commencement of Your insurance, for Damage or loss caused by: a) bushfire or grassfire, b) a named cyclone, c) Flood, or d) Storm Surge.", "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We will not provide any cover, for a period of 72 hours from the time of the commencement of Your insurance, for Damage or loss caused by: a) bushfire or grassfire, b) a named cyclone, c) Flood, or d) Storm Surge.", "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf#page=17", "page": 17, "document_sha256": "1b17b998524fc0008b016a774110e0ef1bc46f96b24014a7b1908904d579bb64", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Unless We otherwise agree in writing, We will not pay for any loss or Damage to Property Insured if the occurrence happens whilst Your Business Premises has been unoccupied for more than 90 consecutive days.", "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Unless We otherwise agree in writing, We will not pay for any loss or Damage to Property Insured if the occurrence happens whilst Your Business Premises has been unoccupied for more than 90 consecutive days.", "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf#page=15", "page": 15, "document_sha256": "1b17b998524fc0008b016a774110e0ef1bc46f96b24014a7b1908904d579bb64", "confirmed": "2026-11-13" } } }, "conditions": [ "Quotes are only through brokers (the CGU page says CGU is an intermediated brand; online quoting is via broker platforms).", "The PDS delays flood, bushfire/grassfire and named-cyclone cover for 72 hours from the start of the policy.", "Section 1 Property covers buildings, contents and stock; the sections are chosen on the Certificate of Insurance.", "The TMD that CGU links (TMDBU001) covers only the retail sections (motor vehicle, personal accident), not the property section, so no eligibility limits could be quoted." ], "unoccupied": { "days": 90, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Unless CGU agreed in writing.", "then": null, "label": "No cover after 90 days" }, "id": "business-pack-business-insurance", "type_label": "Business property", "issuers": [ { "name": "CGU Australia Pty Ltd", "abn": "62004478960", "afsl": "700014", "lloyds": false, "slug": "cgu-australia", "apra": { "status": "authorised", "name": "CGU Australia Pty Ltd", "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": "700014", "name": "CGU AUSTRALIA PTY LTD", "abn": "62004478960", "acn": null, "licensed_since": "2025-05-09", "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" }, "general_insurance": true, "disagreements": [] } } ] }, { "name": "CGU Property Owner Insurance", "type": "commercial_landlord", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": "Owners of commercial properties (CGU markets the same Business Insurance PDS to property owners).", "states": null, "documents": [ { "title": "Business Insurance PDS and Policy Booklet (CV671 rev8, August 2025)", "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf", "date": "2025-08-01" } ], "quotes": { "product": { "text": "Protecting Commercial properties you own now and for the future is easy.", "url": "https://www.cgu.com.au/business/property-owner", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Protecting Commercial properties you own now and for the future is easy.", "url": "https://www.cgu.com.au/business/property-owner#:~:text=Protecting%20Commercial%20properties%20you%20own,for%20the%20future%20is%20easy.", "document_sha256": "89557535aab2ce05475f729ed58d5473e6e335dc30c8c7e2d271b250ddcc4dce", "confirmed": "2026-11-13" } }, "channel": { "text": "As of 21 May 2026, CGU no longer offers new Business insurance, Motor Trade, Professional Indemnity or Information and Communication Technology Liability insurance directly to customers. CGU Business, Motor Trade, Professional Indemnity or Information and Communication Technology Liability insurance remains available through our brokers .", "url": "https://www.cgu.com.au/policy-booklets", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "As of 21 May 2026, CGU no longer offers new Business insurance, Motor Trade, Professional Indemnity or Information and Communication Technology Liability insurance directly to customers. CGU Business, Motor Trade, Professional Indemnity or Information and Communication Technology Liability insurance remains available through our brokers .", "url": "https://www.cgu.com.au/policy-booklets#:~:text=As%20of%2021%20May%202026%2C,available%20through%20our%20brokers%20.", "document_sha256": "c26f1441b9044bb9fec5c610a7d9af509e2ca262242e0f4a9692b11c7a78f5a9", "confirmed": "2026-11-13" } }, "flood": { "text": "We will not provide any cover, for a period of 72 hours from the time of the commencement of Your insurance, for Damage or loss caused by: a) bushfire or grassfire, b) a named cyclone, c) Flood, or d) Storm Surge.", "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We will not provide any cover, for a period of 72 hours from the time of the commencement of Your insurance, for Damage or loss caused by: a) bushfire or grassfire, b) a named cyclone, c) Flood, or d) Storm Surge.", "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf#page=17", "page": 17, "document_sha256": "1b17b998524fc0008b016a774110e0ef1bc46f96b24014a7b1908904d579bb64", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Protecting Commercial properties you own now and for the future is easy.", "url": "https://www.cgu.com.au/business/property-owner", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Protecting Commercial properties you own now and for the future is easy.", "url": "https://www.cgu.com.au/business/property-owner#:~:text=Protecting%20Commercial%20properties%20you%20own,for%20the%20future%20is%20easy.", "document_sha256": "89557535aab2ce05475f729ed58d5473e6e335dc30c8c7e2d271b250ddcc4dce", "confirmed": "2026-11-13" } }, "online_quote": { "text": "Our Business Insurance product can be easily quoted online through your Broker quote Platforms.", "url": "https://www.cgu.com.au/insurance/business/business-pack", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Our Business Insurance product can be easily quoted online through your Broker quote Platforms.", "url": "https://www.cgu.com.au/insurance/business/business-pack#:~:text=Our%20Business%20Insurance%20product%20can,through%20your%20Broker%20quote%20Platforms.", "document_sha256": "a12a2abb6d5aa195f5ecf88d8ca14ff99114402ad38652d88e9b9cc13a113ccb", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Unless We otherwise agree in writing, We will not pay for any loss or Damage to Property Insured if the occurrence happens whilst Your Business Premises has been unoccupied for more than 90 consecutive days.", "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Unless We otherwise agree in writing, We will not pay for any loss or Damage to Property Insured if the occurrence happens whilst Your Business Premises has been unoccupied for more than 90 consecutive days.", "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf#page=15", "page": 15, "document_sha256": "1b17b998524fc0008b016a774110e0ef1bc46f96b24014a7b1908904d579bb64", "confirmed": "2026-11-13" } } }, "conditions": [ "This is the property section of the same CGU Business Insurance policy, not a separate policy." ], "unoccupied": { "days": 90, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Unless CGU agreed in writing. Wording refers to Your Business Premises; it does not say how it applies between tenants.", "then": null, "label": "No cover after 90 days" }, "id": "property-owner-insurance", "type_label": "Commercial landlord", "issuers": [ { "name": "CGU Australia Pty Ltd", "abn": "62004478960", "afsl": "700014", "lloyds": false, "slug": "cgu-australia", "apra": { "status": "authorised", "name": "CGU Australia Pty Ltd", "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": "700014", "name": "CGU AUSTRALIA PTY LTD", "abn": "62004478960", "acn": null, "licensed_since": "2025-05-09", "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" }, "general_insurance": true, "disagreements": [] } } ] }, { "name": "CGU Industrial Special Risk", "type": "isr", "segment": "industrial", "channel": null, "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [], "quotes": { "product": { "text": "INDUSTRIAL SPECIAL RISK (01R / 05A) Support Services Team", "url": "https://www.cgu.com.au/documents/brokers/contact-sheet/qld", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "INDUSTRIAL SPECIAL RISK (01R / 05A) Support Services Team", "url": "https://www.cgu.com.au/documents/brokers/contact-sheet/qld#page=2", "page": 2, "document_sha256": "385b78562d1aa848c5e8f47310c054c11aba68dfc412375f1b7f82b8bccfc35b", "confirmed": "2026-11-13" } }, "underwriter": { "text": "For all other policies not referred to above, including any policies sold by business partners in all locations, the insurer is Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand.", "url": "https://www.cgu.com.au/business/industrial-specialised-risks", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "For all other policies not referred to above, including any policies sold by business partners in all locations, the insurer is Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand.", "url": "https://www.cgu.com.au/business/industrial-specialised-risks#:~:text=For%20all%20other%20policies%20not,227681%20under%20the%20CGU%20brand.", "document_sha256": "41e227b3c96a1f0ed8a58ee78812b460e587b81083bf4cc06d53b0436ad7315a", "confirmed": "2026-11-13" } } }, "conditions": [ "CGU's public site gives no ISR product page, eligibility or wording; the only first-party evidence is the broker key-contacts sheet listing an Industrial Special Risk underwriting team." ], "underwriter": "Insurance Australia Limited", "underwriter_abn": "11000016722", "underwriter_afsl": "227681", "lloyds": false, "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "industrial-special-risk", "type_label": "Industrial special risks (ISR)", "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "CGU Commercial Strata Insurance", "type": "commercial_strata", "segment": "commercial", "channel": "broker", "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "states": null, "documents": [ { "title": "Target Market Determination TMDCS001 (Commercial Strata)", "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdcs001-rev4-1225.pdf", "date": "2025-12-19" } ], "quotes": { "product": { "text": "This Target Market Determination (TMD) applies to Commercial Strata Insurance products.", "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdcs001-rev4-1225.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Target Market Determination (TMD) applies to Commercial Strata Insurance products.", "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdcs001-rev4-1225.pdf#page=1", "page": 1, "document_sha256": "213e034089acd3acdbaa4dbd7dc3710b0e1e5892b890802ceafcf2e101e94ad8", "confirmed": "2026-11-13" } }, "channel": { "text": "This product is designed to be distributed by our distributors (including brokers) by any of the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency or premises visit)", "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdcs001-rev4-1225.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This product is designed to be distributed by our distributors (including brokers) by any of the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency or premises visit)", "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdcs001-rev4-1225.pdf#page=2", "page": 2, "document_sha256": "213e034089acd3acdbaa4dbd7dc3710b0e1e5892b890802ceafcf2e101e94ad8", "confirmed": "2026-11-13" } }, "flood": { "text": "Are seeking optional covers such as Flood, Machinery Breakdown or Electronic Equipment", "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdcs001-rev4-1225.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Are seeking optional covers such as Flood, Machinery Breakdown or Electronic Equipment", "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdcs001-rev4-1225.pdf#page=2", "page": 2, "document_sha256": "213e034089acd3acdbaa4dbd7dc3710b0e1e5892b890802ceafcf2e101e94ad8", "confirmed": "2026-11-13" } }, "eligibility": { "text": "The Building is predominantly used for commercial purposes", "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdcs001-rev4-1225.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Building is predominantly used for commercial purposes", "url": "https://www.iag.com.au/content/dam/corporate-iag/iag-aus/au/en/documents/tmd/iag-tmdcs001-rev4-1225.pdf#page=1", "page": 1, "document_sha256": "213e034089acd3acdbaa4dbd7dc3710b0e1e5892b890802ceafcf2e101e94ad8", "confirmed": "2026-11-13" } } }, "eligibility": "Strata-titled entities insuring buildings used predominantly for commercial purposes (retail shops, offices, factory units); not residential buildings or individual unit owners.", "conditions": [ "No CGU-published commercial strata PDS or product page was found; the product is evidenced by its Target Market Determination, which states it is distributed through distributors including brokers." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "commercial-strata-insurance", "type_label": "Commercial strata", "issuers": [ { "name": "CGU Australia Pty Ltd", "abn": "62004478960", "afsl": "700014", "lloyds": false, "slug": "cgu-australia", "apra": { "status": "authorised", "name": "CGU Australia Pty Ltd", "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": "700014", "name": "CGU AUSTRALIA PTY LTD", "abn": "62004478960", "acn": null, "licensed_since": "2025-05-09", "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" }, "general_insurance": true, "disagreements": [] } } ] } ], "quotes": { "underwriter": { "text": "For all policies sold by brokers and underwriting agencies in all locations the insurer is CGU Australia Pty Ltd ABN 62 004 478 960 AFSL 700014 trading as CGU Insurance.", "url": "https://www.cgu.com.au/small-business", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "For all policies sold by brokers and underwriting agencies in all locations the insurer is CGU Australia Pty Ltd ABN 62 004 478 960 AFSL 700014 trading as CGU Insurance.", "url": "https://www.cgu.com.au/small-business#:~:text=For%20all%20policies%20sold%20by,700014%20trading%20as%20CGU%20Insurance.", "document_sha256": "e9e25e7ae845654d21c7abc5b3b6028cd758d886c18264c482507679aed2cadc", "confirmed": "2026-11-13" } }, "underwriter_pds_direct": { "text": "This product is issued by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681 under the CGU brand.", "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This product is issued by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681 under the CGU brand.", "url": "https://www.cgu.com.au/content/dam/insurance-brands-aus/cgu/au/en/documents/policy-booklets/cgu-business-pds-cv671-rev8-0525.pdf#page=2", "page": 2, "document_sha256": "1b17b998524fc0008b016a774110e0ef1bc46f96b24014a7b1908904d579bb64", "confirmed": "2026-11-13" } } }, "curation_notes": "Two insurers appear. The August 2025 Business Insurance PDS says it is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) under the CGU brand, i.e. the direct-to-customer version. CGU's policy-booklets page says that as of 21 May 2026 CGU no longer offers new Business insurance directly to customers; it remains available through brokers, where CGU's small-business page names CGU Australia Pty Ltd as insurer. Underwriter recorded is the broker-channel insurer. CGU's Commercial Property product closed to new business in 2017. Broker-only documents sit behind marketplace.cgu.com.au login and were not readable. | The URL /business/industrial-specialised-risks returns generic CGU content. A third-party site hosts a CGU 'Mark IV Modified' wording (CGU00044 0615) but it is not on cgu.com.au so is not used. | CGU stopped offering new Residential Strata policies on 30 May 2022 (cgu.com.au residential strata page), so no residential strata product is listed. The Residential Strata PDS (Dec 2022) names Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 as insurer, but the CGU site footer says policies sold by brokers and underwriting agencies are insured by CGU Australia Pty Ltd (the TMD issuer). Commercial strata is evidenced only by the TMD (effective 19 Dec 2025).", "segments": [ "commercial", "industrial" ], "issuers": [ { "name": "CGU Australia Pty Ltd", "abn": "62004478960", "afsl": "700014", "lloyds": false, "slug": "cgu-australia", "apra": { "status": "authorised", "name": "CGU Australia Pty Ltd", "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": "700014", "name": "CGU AUSTRALIA PTY LTD", "abn": "62004478960", "acn": null, "licensed_since": "2025-05-09", "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" }, "general_insurance": true, "disagreements": [] } } ], "distributor_licence": null, "page": "https://deepalmanac.com/au/insurance/building/cgu/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/cgu.json" }, { "slug": "chu", "name": "CHU Underwriting Agencies", "website": "https://chu.com.au/", "kind": "underwriting_agency", "underwriter": "QBE Insurance (Australia) Limited", "underwriter_abn": "78003191035", "underwriter_afsl": "239545", "lloyds": false, "distributor": null, "products": [ { "name": "CHU Residential Strata Insurance Plan (QM562)", "type": "residential_strata", "segment": "residential", "channel": "both", "online_quote": true, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "eligibility": "Bodies corporate / owners corporations of residential strata or company title property with less than 20% of floor space used commercially (and SA community corporations).", "states": null, "documents": [ { "title": "Residential Strata PDS (May 2026)", "url": "https://chu.com.au/wp-content/uploads/2026/04/CHU_ResidentialStrata_PDS_052026.pdf", "date": "2026-05-01" }, { "title": "Residential Strata TMD (from 1/05/2026)", "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9018-0526-Residential-Strata-Insurance-Plan-TMD-for-QM562.pdf", "date": "2026-05-01" }, { "title": "Important documents index", "url": "https://chu.com.au/important-documents/", "date": null } ], "quotes": { "product": { "text": "Strata insurance protects the building and shared common areas from unexpected events such as fire, storm, water damage, theft and legal liability.", "url": "https://chu.com.au/strata-insurance/residential-strata-insurance/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Strata insurance protects the building and shared common areas from unexpected events such as fire, storm, water damage, theft and legal liability.", "url": "https://chu.com.au/strata-insurance/residential-strata-insurance/#:~:text=Strata%20insurance%20protects%20the%20building,damage%2C%20theft%20and%20legal%20liability.", "document_sha256": "fc769d24313ad7b9d60614b2661e669a657ca057f16e5edd88f40af21f8a6874", "confirmed": "2026-11-13" } }, "channel": { "text": "Residential Strata Insurance Plan - QM562 can be sold via direct contact between the customer and CHU. CHU also has a network of Authorised Representatives that are authorised to provide general financial product advice when arranging policies on behalf of CHU. Brokers are also able to provide financial product advice for acquiring new policies, renewing policies, or cancelling policies.", "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9018-0526-Residential-Strata-Insurance-Plan-TMD-for-QM562.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Residential Strata Insurance Plan - QM562 can be sold via direct contact between the customer and CHU. CHU also has a network of Authorised Representatives that are authorised to provide general financial product advice when arranging policies on behalf of CHU. Brokers are also able to provide financial product advice for acquiring new policies, renewing policies, or cancelling policies.", "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9018-0526-Residential-Strata-Insurance-Plan-TMD-for-QM562.pdf#page=7", "page": 7, "document_sha256": "990807bcc329aa204695a2e572873e2f1df7e72be28f9431e021846e4849b1a7", "confirmed": "2026-11-13" } }, "flood": { "text": "Storm or Rainwater to retaining walls, or caused by Flood if shown in the Schedule as not selected;", "url": "https://chu.com.au/wp-content/uploads/2026/04/CHU_ResidentialStrata_PDS_052026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Storm or Rainwater to retaining walls, or caused by Flood if shown in the Schedule as not selected;", "url": "https://chu.com.au/wp-content/uploads/2026/04/CHU_ResidentialStrata_PDS_052026.pdf#page=28", "page": 28, "document_sha256": "d13f4b77d1812fa1d9da890b31d404cb9eb83ec1fa1b6ffa0bf8a5657064e1a9", "confirmed": "2026-11-13" } }, "eligibility": { "text": "where less than 20% of the floor space is used for commercial purposes.", "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9018-0526-Residential-Strata-Insurance-Plan-TMD-for-QM562.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "where less than 20% of the floor space is used for commercial purposes.", "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9018-0526-Residential-Strata-Insurance-Plan-TMD-for-QM562.pdf#page=3", "page": 3, "document_sha256": "990807bcc329aa204695a2e572873e2f1df7e72be28f9431e021846e4849b1a7", "confirmed": "2026-11-13" } } }, "conditions": [ "The PDS makes flood selectable on the policy schedule (wording: 'Flood if shown in the Schedule as not selected')." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "residential-strata-insurance-plan-qm562", "type_label": "Residential strata", "issuers": [ { "name": "QBE Insurance (Australia) Limited", "abn": "78003191035", "afsl": "239545", "lloyds": false, "slug": "qbe-insurance-australia", "apra": { "status": "authorised", "name": "QBE Insurance (Australia) 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": "239545", "name": "QBE INSURANCE (AUSTRALIA) LIMITED", "abn": "78003191035", "acn": null, "licensed_since": "2004-03-10", "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": "CHU Commercial Strata Insurance Plan (QM569)", "type": "commercial_strata", "segment": "commercial", "channel": "both", "online_quote": true, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Bodies corporate / owners corporations of commercial or mixed-use strata or company title property where 20% or more of total floor space is commercial.", "states": null, "documents": [ { "title": "Commercial Strata PDS (October 2023)", "url": "https://chu.com.au/wp-content/uploads/2026/04/CHU_CommercialStrataPDS_1023.pdf", "date": "2023-10-01" }, { "title": "Commercial Strata TMD (QM9013, January 2025)", "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9013-0125-CHU-Commercial-Strata-Insurance-Plan-TMD-for-QM569.pdf", "date": "2025-01-01" } ], "quotes": { "product": { "text": "Cover to protect your commercial strata or mixed-use building, mandated across Australia.", "url": "https://chu.com.au/strata-insurance/commercial-strata-insurance/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover to protect your commercial strata or mixed-use building, mandated across Australia.", "url": "https://chu.com.au/strata-insurance/commercial-strata-insurance/#:~:text=Cover%20to%20protect%20your%20commercial,mixed%2Duse%20building%2C%20mandated%20across%20Australia.", "document_sha256": "d8b255c624da12fd3fd693912a72da2779e2ddf62ee6cdec2b1ed2b68e9a61b1", "confirmed": "2026-11-13" } }, "channel": { "text": "Commercial Strata Insurance Plan (QM569) can be sold via direct contact between the customer and CHU. CHU also has a network of Authorised Representatives that are authorised to provide general financial product advice when arranging policies on behalf of CHU. Brokers are also able to provide financial product advice for acquiring new policies, renewing policies or cancelling policies.", "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9013-0125-CHU-Commercial-Strata-Insurance-Plan-TMD-for-QM569.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Commercial Strata Insurance Plan (QM569) can be sold via direct contact between the customer and CHU. CHU also has a network of Authorised Representatives that are authorised to provide general financial product advice when arranging policies on behalf of CHU. Brokers are also able to provide financial product advice for acquiring new policies, renewing policies or cancelling policies.", "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9013-0125-CHU-Commercial-Strata-Insurance-Plan-TMD-for-QM569.pdf#page=6", "page": 6, "document_sha256": "d064bdecf1b41e7d853d6410954f7f7fbf5312221aca7f53c7c8582eab42b88e", "confirmed": "2026-11-13" } }, "eligibility": { "text": "where 20% or more of the total building floor space is used for commercial purposes", "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9013-0125-CHU-Commercial-Strata-Insurance-Plan-TMD-for-QM569.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "where 20% or more of the total building floor space is used for commercial purposes", "url": "https://chu.com.au/wp-content/uploads/2026/03/QM9013-0125-CHU-Commercial-Strata-Insurance-Plan-TMD-for-QM569.pdf#page=2", "page": 2, "document_sha256": "d064bdecf1b41e7d853d6410954f7f7fbf5312221aca7f53c7c8582eab42b88e", "confirmed": "2026-11-13" } } }, "conditions": [], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "commercial-strata-insurance-plan-qm569", "type_label": "Commercial strata", "issuers": [ { "name": "QBE Insurance (Australia) Limited", "abn": "78003191035", "afsl": "239545", "lloyds": false, "slug": "qbe-insurance-australia", "apra": { "status": "authorised", "name": "QBE Insurance (Australia) 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": "239545", "name": "QBE INSURANCE (AUSTRALIA) LIMITED", "abn": "78003191035", "acn": null, "licensed_since": "2004-03-10", "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": "CHU Landlord Insurance (QM10074)", "type": "landlord", "segment": "residential", "channel": "both", "online_quote": true, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Owners renting out a strata dwelling (unit, apartment, townhouse or villa) or a freestanding house. Building cover is for freestanding houses; a strata lot gets landlord contents, loss of rent and liability only, unless it is a WA survey strata or QLD standard format plan lot, which CHU may quote.", "states": null, "documents": [ { "title": "Landlord Insurance PDS (March 2025)", "url": "https://chu.com.au/wp-content/uploads/2026/03/QM10074-0325-CHU-Landlord-Insurance-Product-Disclosure-Statement.pdf", "date": "2025-03-01" }, { "title": "Landlord Insurance TMD (May 2026)", "url": "https://chu.com.au/wp-content/uploads/2026/04/QM10083-0526-CHU-Landlord-Insurance-TMD-for-QM10074.pdf", "date": "2026-05-01" }, { "title": "Landlord Insurance Additional Information Guide", "url": "https://chu.com.au/wp-content/uploads/2026/03/QM10080-0825-CHU-Landlord-Insurance-AIG-for-QM10074.pdf" } ], "quotes": { "product": { "text": "Protect your residential investment property with cover designed for landlords of strata properties (including units, apartments, townhouses and villas) and freestanding homes.", "url": "https://chu.com.au/landlord-insurance/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Protect your residential investment property with cover designed for landlords of strata properties (including units, apartments, townhouses and villas) and freestanding homes.", "url": "https://chu.com.au/landlord-insurance/#:~:text=Protect%20your%20residential%20investment%20property,and%20villas%29%20and%20freestanding%20homes.", "document_sha256": "1d8301134a9cfd82b0ce294ec3b630a5d11b7e0c8ac98fc34c413fbd42d47b60", "confirmed": "2026-11-13" } }, "channel": { "text": "Landlord Insurance - QM10074 can be sold via direct contact between the customer and CHU. CHU also has a network of Authorised Representatives that are authorised to provide general financial product advice when arranging policies on behalf of CHU. Brokers are also able to provide financial product advice for acquiring new policies, renewing policies, or cancelling policies.", "url": "https://chu.com.au/wp-content/uploads/2026/04/QM10083-0526-CHU-Landlord-Insurance-TMD-for-QM10074.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Landlord Insurance - QM10074 can be sold via direct contact between the customer and CHU. CHU also has a network of Authorised Representatives that are authorised to provide general financial product advice when arranging policies on behalf of CHU. Brokers are also able to provide financial product advice for acquiring new policies, renewing policies, or cancelling policies.", "url": "https://chu.com.au/wp-content/uploads/2026/04/QM10083-0526-CHU-Landlord-Insurance-TMD-for-QM10074.pdf#page=10", "page": 10, "document_sha256": "087e2ec804485f9d4e1f058f99a15658975fd4cd2eb02555253d36a990b23f76", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Building cover is generally not available for strata properties where the building is insured by a body corporate.", "url": "https://chu.com.au/landlord-insurance/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Building cover is generally not available for strata properties where the building is insured by a body corporate.", "url": "https://chu.com.au/landlord-insurance/#:~:text=Building%20cover%20is%20generally%20not,insured%20by%20a%20body%20corporate.", "document_sha256": "1d8301134a9cfd82b0ce294ec3b630a5d11b7e0c8ac98fc34c413fbd42d47b60", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "you do not tell us that your rental property will be unoccupied for more than 90 consecutive days; and • you make a claim for an incident that occurs more than 90 days after your rental property was first unoccupied.", "url": "https://chu.com.au/wp-content/uploads/2026/03/QM10074-0325-CHU-Landlord-Insurance-Product-Disclosure-Statement.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "you do not tell us that your rental property will be unoccupied for more than 90 consecutive days; and • you make a claim for an incident that occurs more than 90 days after your rental property was first unoccupied.", "url": "https://chu.com.au/wp-content/uploads/2026/03/QM10074-0325-CHU-Landlord-Insurance-Product-Disclosure-Statement.pdf#page=79", "page": 79, "document_sha256": "fa8e739e2542e80ce05de0c3b60fa41930f5ee00724b50770697a1e922a46961", "confirmed": "2026-11-13" } }, "unoccupied_excess": { "text": "Number of consecutive days unoccupied: 91-365 days: $1,500 366+ days: $4,500", "url": "https://chu.com.au/wp-content/uploads/2026/03/QM10080-0825-CHU-Landlord-Insurance-AIG-for-QM10074.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Number of consecutive days unoccupied: 91-365 days: $1,500 366+ days: $4,500", "url": "https://chu.com.au/wp-content/uploads/2026/03/QM10080-0825-CHU-Landlord-Insurance-AIG-for-QM10074.pdf#page=4", "page": 4, "document_sha256": "e59f7f1ace005b5c0760b99f0c2d75c47806d6ff7d15087a235febf3cbafae45", "confirmed": "2026-11-13" } } }, "conditions": [], "unoccupied": { "days": 90, "effect": "extra_excess", "excess": 1500, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Only if you did not tell CHU. Not charged for riot, lightning, earthquake, collision or falling trees.", "then": { "days": 365, "effect": "extra_excess", "excess": 4500 }, "label": "Extra $1,500 excess after 90 days; extra $4,500 excess after 365 days" }, "id": "landlord-insurance-qm10074", "type_label": "Landlord", "issuers": [ { "name": "QBE Insurance (Australia) Limited", "abn": "78003191035", "afsl": "239545", "lloyds": false, "slug": "qbe-insurance-australia", "apra": { "status": "authorised", "name": "QBE Insurance (Australia) 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": "239545", "name": "QBE INSURANCE (AUSTRALIA) LIMITED", "abn": "78003191035", "acn": null, "licensed_since": "2004-03-10", "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": "CHU Underwriting Agencies Pty Ltd (ABN 18 001 580 070, AFS Licence No: 243261) acts under a binding authority as agent of the insurer QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFS Licence No: 239545).", "url": "https://chu.com.au/strata-insurance/residential-strata-insurance/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "CHU Underwriting Agencies Pty Ltd (ABN 18 001 580 070, AFS Licence No: 243261) acts under a binding authority as agent of the insurer QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFS Licence No: 239545).", "url": "https://chu.com.au/strata-insurance/residential-strata-insurance/#:~:text=CHU%20Underwriting%20Agencies%20Pty%20Ltd,035%2C%20AFS%20Licence%20No%3A%20239545%29.", "document_sha256": "fc769d24313ad7b9d60614b2661e669a657ca057f16e5edd88f40af21f8a6874", "confirmed": "2026-11-13" } } }, "curation_notes": "CHU is majority owned by Steadfast. Also sells Community Association, Build to Rent and Lot Owners Contents products (not listed as separate products here). Flex Insurance is a wholly owned subsidiary (separate entry). Commercial strata flood status not confirmed from the PDS.", "segments": [ "residential", "commercial" ], "issuers": [ { "name": "QBE Insurance (Australia) Limited", "abn": "78003191035", "afsl": "239545", "lloyds": false, "slug": "qbe-insurance-australia", "apra": { "status": "authorised", "name": "QBE Insurance (Australia) 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": "239545", "name": "QBE INSURANCE (AUSTRALIA) LIMITED", "abn": "78003191035", "acn": null, "licensed_since": "2004-03-10", "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": null, "page": "https://deepalmanac.com/au/insurance/building/chu/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/chu.json" }, { "slug": "chubb", "name": "Chubb", "website": "https://www.chubb.com/au-en/", "kind": "insurer", "underwriter": "Chubb Insurance Australia Limited", "underwriter_abn": "23001642020", "underwriter_afsl": "239687", "lloyds": false, "distributor": null, "products": [ { "name": "Chubb Masterpiece (Home & Contents)", "type": "high_value_home", "segment": "residential", "channel": "broker", "online_quote": false, "cover_basis": "choice", "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "eligibility": "Owners of a residential building with a sum insured of at least $1,500,000 (and contents of at least $300,000 where contents are insured).", "states": null, "documents": [ { "title": "Masterpiece Product Disclosure Statement and Policy Wording (published 02/2022)", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/masterpiece-policy-wording.pdf", "date": "2022-02-01" }, { "title": "Masterpiece Target Market Determination (published 01/2024)", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/chubbmptmd-0124-masterpiece-tmd.pdf", "date": "2024-01-01" } ], "quotes": { "product": { "text": "Product Name: Masterpiece (PDS Number 22PDSMASTERPIECE01) (the Product)", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/chubbmptmd-0124-masterpiece-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Product Name: Masterpiece (PDS Number 22PDSMASTERPIECE01) (the Product)", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/chubbmptmd-0124-masterpiece-tmd.pdf#page=3", "page": 3, "document_sha256": "e227ab2a5306a680472b233f0d3adc3f59a162f8c499364c78ac8401e4630f1b", "confirmed": "2026-11-13" } }, "channel": { "text": "This Product is distributed by Chubb's approved network of licenced insurance brokers (Distributor) and is not available online for customers to purchase directly from Chubb Insurance Australia Limited.", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/chubbmptmd-0124-masterpiece-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product is distributed by Chubb's approved network of licenced insurance brokers (Distributor) and is not available online for customers to purchase directly from Chubb Insurance Australia Limited.", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/chubbmptmd-0124-masterpiece-tmd.pdf#page=6", "page": 6, "document_sha256": "e227ab2a5306a680472b233f0d3adc3f59a162f8c499364c78ac8401e4630f1b", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Your Coverage Summary indicates whether the payment basis in respect of a Covered Loss is Extended Replacement Cost or Verified Replacement Cost for each House.", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/masterpiece-policy-wording.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Your Coverage Summary indicates whether the payment basis in respect of a Covered Loss is Extended Replacement Cost or Verified Replacement Cost for each House.", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/masterpiece-policy-wording.pdf#page=28", "page": 28, "document_sha256": "783d58ae36d609addfafc71e058dc6f98cdd87954e21f6d5ddc8346e2de462bf", "confirmed": "2026-11-13" } }, "flood": { "text": "no cover for Flood and Action Of The Sea unless specifically noted in Your Coverage Summary", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/masterpiece-policy-wording.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "no cover for Flood and Action Of The Sea unless specifically noted in Your Coverage Summary", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/masterpiece-policy-wording.pdf#page=7", "page": 7, "document_sha256": "783d58ae36d609addfafc71e058dc6f98cdd87954e21f6d5ddc8346e2de462bf", "confirmed": "2026-11-13" } }, "eligibility": { "text": "own a residential building to insure (with a sum insured of at least $1,500,000);", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/chubbmptmd-0124-masterpiece-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "own a residential building to insure (with a sum insured of at least $1,500,000);", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/chubbmptmd-0124-masterpiece-tmd.pdf#page=4", "page": 4, "document_sha256": "e227ab2a5306a680472b233f0d3adc3f59a162f8c499364c78ac8401e4630f1b", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "If the House has been substantially empty of all unfixed furnishings and all Contents for more than 60 consecutive days at the time of a Covered Loss, the Vacant House Deductible will apply", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/masterpiece-policy-wording.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If the House has been substantially empty of all unfixed furnishings and all Contents for more than 60 consecutive days at the time of a Covered Loss, the Vacant House Deductible will apply", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/masterpiece-policy-wording.pdf#page=28", "page": 28, "document_sha256": "783d58ae36d609addfafc71e058dc6f98cdd87954e21f6d5ddc8346e2de462bf", "confirmed": "2026-11-13" } } }, "conditions": [ "Extended Replacement Cost means the Reconstruction Cost even if this amount is greater than the Sum Insured for the House (no cap), where the Coverage Summary shows that payment basis.", "Flood is excluded unless specifically noted in the Coverage Summary.", "Sold only through Chubb's approved network of insurance brokers/agents; not available to buy online direct from Chubb.", "The PDS is a 2022 edition; the PDS states accident and other damage only as 'physical loss or damage', so no accidental damage rating is recorded." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Applies when the house is substantially empty of furnishings and contents. Deductible is 5% of the house sum insured (or the scheduled one if greater) unless waived in writing beforehand; extra premium charged.", "then": null, "label": "Extra excess after 60 days" }, "id": "masterpiece-home-contents", "type_label": "Prestige home", "issuers": [ { "name": "Chubb Insurance Australia Limited", "abn": "23001642020", "afsl": "239687", "lloyds": false, "slug": "chubb-insurance-australia", "apra": { "status": "authorised", "name": "Chubb Insurance Australia Ltd", "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": "239687", "name": "CHUBB INSURANCE AUSTRALIA LTD", "abn": "23001642020", "acn": null, "licensed_since": "2004-01-19", "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": "Chubb Benchmarq Commercial Property Insurance for Real Estate", "type": "commercial_landlord", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": null, "levels": [], "eligibility": "Real estate industry businesses with revenue or declared values up to AUD $75 million (Benchmarq lower-middle-market range).", "states": null, "documents": [ { "title": "Benchmarq Real Estate Property Policy Wording (04/2024)", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/business/benchmarq/chubb-pcpy-open-bmre-pw-0424-benchmarq-real-estate-property-policy-wording.pdf", "date": "2024-04" }, { "title": "Chubb Benchmarq overview", "url": "https://www.chubb.com/au-en/business/benchmarq.html", "date": null } ], "quotes": { "product": { "text": "Benchmarq is currently available to 5 key industries: Manufacturing, Real Estate, Wholesale, Retail and Professional Services.", "url": "https://www.chubb.com/au-en/business/benchmarq.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Benchmarq is currently available to 5 key industries: Manufacturing, Real Estate, Wholesale, Retail and Professional Services.", "url": "https://www.chubb.com/au-en/business/benchmarq.html#:~:text=Benchmarq%20is%20currently%20available%20to,Wholesale%2C%20Retail%20and%20Professional%20Services.", "document_sha256": "312977f250766d5956562f4270fcd086f2b01974b21581e3ab6bc5656fd02df2", "confirmed": "2026-11-13" } }, "channel": { "text": "Ready to find out more? Ready to experience Chubb's unparalleled comprehensive insurance solutions? Speak to a broker today.", "url": "https://www.chubb.com/au-en/business/benchmarq-realestate.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Ready to find out more? Ready to experience Chubb's unparalleled comprehensive insurance solutions? Speak to a broker today.", "url": "https://www.chubb.com/au-en/business/benchmarq-realestate.html#:~:text=Ready%20to%20find%20out%20more%3F,Speak%20to%20a%20broker%20today.", "document_sha256": "ff4fd10a92337910363391772e05592e609730229710db7865af097324cdf2c4", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood, if shown in the Schedule under the “Limits of Liability” for “Section 1 Property Insurance and Section 2 Business Interruption Combined: Named Cyclone, Bushfire and Flood” as “Not Insured”", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/business/benchmarq/chubb-pcpy-open-bmre-pw-0424-benchmarq-real-estate-property-policy-wording.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood, if shown in the Schedule under the “Limits of Liability” for “Section 1 Property Insurance and Section 2 Business Interruption Combined: Named Cyclone, Bushfire and Flood” as “Not Insured”", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/business/benchmarq/chubb-pcpy-open-bmre-pw-0424-benchmarq-real-estate-property-policy-wording.pdf#page=54", "page": 54, "document_sha256": "49ca29f5cf9d66a6eec59e9e5b3132609858c55ff4754dd2c1c6b39877b826db", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Chubb Benchmarq offers commercial property and broadform liability insurance products specifically designed to cater for businesses with revenue or declared values of up to AUD $75 million.", "url": "https://www.chubb.com/au-en/business/benchmarq.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Chubb Benchmarq offers commercial property and broadform liability insurance products specifically designed to cater for businesses with revenue or declared values of up to AUD $75 million.", "url": "https://www.chubb.com/au-en/business/benchmarq.html#:~:text=Chubb%20Benchmarq%20offers%20commercial%20property,up%20to%20AUD%20%2475%20million.", "document_sha256": "312977f250766d5956562f4270fcd086f2b01974b21581e3ab6bc5656fd02df2", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Unoccupied Building means a building that is not occupied, for a continuous period of more than thirty (30) days, by persons whose presence has been expressly authorised or permitted by:", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/business/benchmarq/chubb-pcpy-open-bmre-pw-0424-benchmarq-real-estate-property-policy-wording.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Unoccupied Building means a building that is not occupied, for a continuous period of more than thirty (30) days, by persons whose presence has been expressly authorised or permitted by:", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/business/benchmarq/chubb-pcpy-open-bmre-pw-0424-benchmarq-real-estate-property-policy-wording.pdf#page=18", "page": 18, "document_sha256": "49ca29f5cf9d66a6eec59e9e5b3132609858c55ff4754dd2c1c6b39877b826db", "confirmed": "2026-11-13" } } }, "conditions": [ "Flood is excluded only if the Schedule shows it as 'Not Insured', so it is a limit chosen on the schedule.", "Buildings are insured where declared as 'Buildings' in the schedule (Buildings means the Property Insured declared by You as 'Buildings'), so buildings cover depends on what is declared." ], "unoccupied": { "days": 30, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Only where the vacancy causes or contributes to the damage; unless notified and Chubb agreed in writing before any damage. Regular checks or contents inside do not stop it counting as unoccupied.", "then": null, "label": "No cover after 30 days" }, "id": "benchmarq-commercial-property-insurance-for-real-estate", "type_label": "Commercial landlord", "issuers": [ { "name": "Chubb Insurance Australia Limited", "abn": "23001642020", "afsl": "239687", "lloyds": false, "slug": "chubb-insurance-australia", "apra": { "status": "authorised", "name": "Chubb Insurance Australia Ltd", "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": "239687", "name": "CHUBB INSURANCE AUSTRALIA LTD", "abn": "23001642020", "acn": null, "licensed_since": "2004-01-19", "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": "Chubb Benchmarq Commercial Property Insurance for Retail", "type": "retail_pack", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": null, "levels": [], "eligibility": "Retail businesses with revenue or declared values up to AUD $75 million.", "states": null, "documents": [ { "title": "Benchmarq Retail Property Policy Wording (02/2025)", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/businesses/policy-wordings-and-documents/chubb-pcpy-open-isrret-pw-0225-benchmarq-retail-property-policy-wording.pdf", "date": "2025-02" }, { "title": "Chubb Benchmarq overview", "url": "https://www.chubb.com/au-en/business/benchmarq.html", "date": null } ], "quotes": { "product": { "text": "Chubb Benchmarq for Retail Specialised commercial property & broadform liability coverage for risks specific to retail businesses.", "url": "https://www.chubb.com/au-en/business/benchmarq.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Chubb Benchmarq for Retail Specialised commercial property & broadform liability coverage for risks specific to retail businesses.", "url": "https://www.chubb.com/au-en/business/benchmarq.html#:~:text=Chubb%20Benchmarq%20for%20Retail%20Specialised,risks%20specific%20to%20retail%20businesses.", "document_sha256": "312977f250766d5956562f4270fcd086f2b01974b21581e3ab6bc5656fd02df2", "confirmed": "2026-11-13" } }, "channel": { "text": "Ready to find out more? Ready to experience Chubb's unparalleled comprehensive insurance solutions? Speak to a broker today.", "url": "https://www.chubb.com/au-en/business/benchmarq-retail.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Ready to find out more? Ready to experience Chubb's unparalleled comprehensive insurance solutions? Speak to a broker today.", "url": "https://www.chubb.com/au-en/business/benchmarq-retail.html#:~:text=Ready%20to%20find%20out%20more%3F,Speak%20to%20a%20broker%20today.", "document_sha256": "b51a5cc2b8f766a5862477063763d9bc69807aac5058139f00307a651bee4ddb", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood, if shown in the Schedule under the “Limits of Liability” as “Not Insured”", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/businesses/policy-wordings-and-documents/chubb-pcpy-open-isrret-pw-0225-benchmarq-retail-property-policy-wording.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood, if shown in the Schedule under the “Limits of Liability” as “Not Insured”", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/businesses/policy-wordings-and-documents/chubb-pcpy-open-isrret-pw-0225-benchmarq-retail-property-policy-wording.pdf#page=53", "page": 53, "document_sha256": "71926e8fd29d6669c7fa99c05980351fb25ed5ba76a162616e73aba3e8e25cec", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Chubb Benchmarq offers commercial property and broadform liability insurance products specifically designed to cater for businesses with revenue or declared values of up to AUD $75 million.", "url": "https://www.chubb.com/au-en/business/benchmarq.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Chubb Benchmarq offers commercial property and broadform liability insurance products specifically designed to cater for businesses with revenue or declared values of up to AUD $75 million.", "url": "https://www.chubb.com/au-en/business/benchmarq.html#:~:text=Chubb%20Benchmarq%20offers%20commercial%20property,up%20to%20AUD%20%2475%20million.", "document_sha256": "312977f250766d5956562f4270fcd086f2b01974b21581e3ab6bc5656fd02df2", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Unoccupied Building means a building that is not occupied, for a continuous period of more than thirty (30) days, by persons whose presence has been expressly authorised or permitted by:", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/businesses/policy-wordings-and-documents/chubb-pcpy-open-isrret-pw-0225-benchmarq-retail-property-policy-wording.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Unoccupied Building means a building that is not occupied, for a continuous period of more than thirty (30) days, by persons whose presence has been expressly authorised or permitted by:", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/businesses/policy-wordings-and-documents/chubb-pcpy-open-isrret-pw-0225-benchmarq-retail-property-policy-wording.pdf#page=18", "page": 18, "document_sha256": "71926e8fd29d6669c7fa99c05980351fb25ed5ba76a162616e73aba3e8e25cec", "confirmed": "2026-11-13" } } }, "conditions": [ "Flood is excluded only if the Schedule shows it as 'Not Insured'." ], "unoccupied": { "days": 30, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Only where the vacancy causes or contributes to the damage; unless notified and Chubb agreed in writing before any damage. Regular checks or contents inside do not stop it counting as unoccupied.", "then": null, "label": "No cover after 30 days" }, "id": "benchmarq-commercial-property-insurance-for-retail", "type_label": "Retail pack", "issuers": [ { "name": "Chubb Insurance Australia Limited", "abn": "23001642020", "afsl": "239687", "lloyds": false, "slug": "chubb-insurance-australia", "apra": { "status": "authorised", "name": "Chubb Insurance Australia Ltd", "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": "239687", "name": "CHUBB INSURANCE AUSTRALIA LTD", "abn": "23001642020", "acn": null, "licensed_since": "2004-01-19", "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": "Chubb Industrial Special Risks", "type": "isr", "segment": "industrial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Medium to large risks up to and including multinational programmes; industries include manufacturing, utilities, infrastructure, industrial/commercial property owners, engineering, transportation; modern hotels/motels (excluding pubs).", "states": null, "documents": [], "quotes": { "product": { "text": "Don’t let a fire or other hazards undermine your bottom-line. With this product, your business property and its physical assets are protected against damage from perils, in addition to loss due to operational disruptions.", "url": "https://www.chubb.com/au-en/business/industrial-special-risks.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Don’t let a fire or other hazards undermine your bottom-line. With this product, your business property and its physical assets are protected against damage from perils, in addition to loss due to operational disruptions.", "url": "https://www.chubb.com/au-en/business/industrial-special-risks.html#:~:text=Don%E2%80%99t%20let%20a%20fire%20or,loss%20due%20to%20operational%20disruptions.", "document_sha256": "25a38a9c8e0e6350ae5de531b2049d60d65af675bf543727aeb35249d71cd5c5", "confirmed": "2026-11-13" } }, "channel": { "text": "Ready to experience Chubb's unparalleled comprehensive insurance solutions? Speak to a broker today.", "url": "https://www.chubb.com/au-en/business/industrial-special-risks.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Ready to experience Chubb's unparalleled comprehensive insurance solutions? Speak to a broker today.", "url": "https://www.chubb.com/au-en/business/industrial-special-risks.html#:~:text=Ready%20to%20experience%20Chubb%27s%20unparalleled,Speak%20to%20a%20broker%20today.", "document_sha256": "25a38a9c8e0e6350ae5de531b2049d60d65af675bf543727aeb35249d71cd5c5", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Our product extends from medium to large risks up to and including multinational programmes, giving you the comprehensive coverage you may need.", "url": "https://www.chubb.com/au-en/business/industrial-special-risks.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Our product extends from medium to large risks up to and including multinational programmes, giving you the comprehensive coverage you may need.", "url": "https://www.chubb.com/au-en/business/industrial-special-risks.html#:~:text=Our%20product%20extends%20from%20medium,comprehensive%20coverage%20you%20may%20need.", "document_sha256": "25a38a9c8e0e6350ae5de531b2049d60d65af675bf543727aeb35249d71cd5c5", "confirmed": "2026-11-13" } } }, "conditions": [ "No public wording; page calls the cover 'Chubb Fire Insurance' / Industrial Special Risks." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "industrial-special-risks", "type_label": "Industrial special risks (ISR)", "issuers": [ { "name": "Chubb Insurance Australia Limited", "abn": "23001642020", "afsl": "239687", "lloyds": false, "slug": "chubb-insurance-australia", "apra": { "status": "authorised", "name": "Chubb Insurance Australia Ltd", "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": "239687", "name": "CHUBB INSURANCE AUSTRALIA LTD", "abn": "23001642020", "acn": null, "licensed_since": "2004-01-19", "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": "Chubb Benchmarq for Manufacturing (commercial property)", "type": "industrial_property", "segment": "industrial", "channel": null, "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Manufacturing businesses with revenue or declared values of up to AUD $75 million (lower middle market).", "states": null, "documents": [ { "title": "Benchmarq Manufacturing Property Policy Wording (0424)", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/business/benchmarq/chubb-pcpy-open-bmmg-pw-0424-benchmarq-manufacturing-property-policy-wording.pdf", "date": "2024-04-01" }, { "title": "Benchmarq Appetite Guide - Manufacturing", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/business/benchmarq/pdfs/chubb-benchmarq-appetite-guide-manufacturing.pdf", "date": null } ], "quotes": { "product": { "text": "Specialised commercial property & broadform liability coverage for risks specific to the manufacturing industry.", "url": "https://www.chubb.com/au-en/business/benchmarq.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Specialised commercial property & broadform liability coverage for risks specific to the manufacturing industry.", "url": "https://www.chubb.com/au-en/business/benchmarq.html#:~:text=Specialised%20commercial%20property%20%26%20broadform,specific%20to%20the%20manufacturing%20industry.", "document_sha256": "312977f250766d5956562f4270fcd086f2b01974b21581e3ab6bc5656fd02df2", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Chubb Benchmarq offers ‘big business’ cover, right sized for manufacturing clients with revenue or declared values of up to AUD $75 million.", "url": "https://www.chubb.com/au-en/business/benchmarq-manufacturing.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Chubb Benchmarq offers ‘big business’ cover, right sized for manufacturing clients with revenue or declared values of up to AUD $75 million.", "url": "https://www.chubb.com/au-en/business/benchmarq-manufacturing.html#:~:text=Chubb%20Benchmarq%20offers%20%E2%80%98big%20business%E2%80%99,up%20to%20AUD%20%2475%20million.", "document_sha256": "eb8569017ac21e9b8c07224c1d55299255be790d30573b288c48009056b76177", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Unoccupied Building means a building that is not occupied, for a continuous period of more than thirty (30) days, by persons whose presence has been expressly authorised or permitted by:", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/business/benchmarq/chubb-pcpy-open-bmmg-pw-0424-benchmarq-manufacturing-property-policy-wording.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Unoccupied Building means a building that is not occupied, for a continuous period of more than thirty (30) days, by persons whose presence has been expressly authorised or permitted by:", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/business/benchmarq/chubb-pcpy-open-bmmg-pw-0424-benchmarq-manufacturing-property-policy-wording.pdf#page=19", "page": 19, "document_sha256": "469bdb4d192f96714970776a028bfc8d4038a10fa142dbabb85e9fc5f521b889", "confirmed": "2026-11-13" } } }, "conditions": [ "Mid-market 'ISR-lite' product; Benchmarq also has a Real Estate version for commercial property owners (not collected in detail)." ], "unoccupied": { "days": 30, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Only where the vacancy causes or contributes to the damage; unless notified and Chubb agreed in writing before any damage. Regular checks or contents inside do not stop it counting as unoccupied.", "then": null, "label": "No cover after 30 days" }, "id": "benchmarq-for-manufacturing-commercial-property", "type_label": "Industrial property", "issuers": [ { "name": "Chubb Insurance Australia Limited", "abn": "23001642020", "afsl": "239687", "lloyds": false, "slug": "chubb-insurance-australia", "apra": { "status": "authorised", "name": "Chubb Insurance Australia Ltd", "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": "239687", "name": "CHUBB INSURANCE AUSTRALIA LTD", "abn": "23001642020", "acn": null, "licensed_since": "2004-01-19", "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": "Chubb Insurance Australia Limited (ABN 23 001 642 020, AFS License No. 239687) (Chubb) is the insurer and issuer of this product.", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/masterpiece-policy-wording.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, AFS License No. 239687) (Chubb) is the insurer and issuer of this product.", "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/au-en/individuals-families/policy-wordings-and-documents/masterpiece-policy-wording.pdf#page=5", "page": 5, "document_sha256": "783d58ae36d609addfafc71e058dc6f98cdd87954e21f6d5ddc8346e2de462bf", "confirmed": "2026-11-13" } } }, "curation_notes": "Masterpiece is the only Chubb Australia home product found; Chubb's own TMD URL for a March 2026 version (chubbmptmd-0326) returned 404, so the January 2024 TMD is cited. The PDS on the site is dated 02/2022. | Benchmarq wordings are policy wordings for broker placement; no PDS or TMD for Benchmarq property was found on Chubb's PDS and TMD search page (it lists Benchmarq wordings only), so retail-client status is unconfirmed. Chubb also lists Benchmarq for Manufacturing, Wholesale and Professional Services property (not collected). Chubb's older 'General Property Package' wording (03/2022) also exists but is a material damage/transit package, not buildings-focused.", "segments": [ "residential", "commercial", "industrial" ], "issuers": [ { "name": "Chubb Insurance Australia Limited", "abn": "23001642020", "afsl": "239687", "lloyds": false, "slug": "chubb-insurance-australia", "apra": { "status": "authorised", "name": "Chubb Insurance Australia Ltd", "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": "239687", "name": "CHUBB INSURANCE AUSTRALIA LTD", "abn": "23001642020", "acn": null, "licensed_since": "2004-01-19", "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": null, "page": "https://deepalmanac.com/au/insurance/building/chubb/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/chubb.json" }, { "slug": "clover", "name": "Clover", "website": "https://www.insurance.com.au/business-insurance", "kind": "underwriting_agency", "underwriter": "Allied World Assurance Company, Ltd (Australia Branch)", "underwriter_abn": "54163304907", "underwriter_afsl": "548668", "lloyds": false, "distributor": { "name": "insurance.com.au Pty Ltd", "abn": null, "afsl": "233750", "authorised_representative_no": "443422" }, "products": [ { "name": "Clover OneBusiness Pack - Business Building and Contents", "type": "business_property", "segment": "commercial", "channel": null, "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "OneBusiness Pack Combined PDS and FSG (Allied World Assurance)", "url": "https://www.insurance.com.au/getContentAsset/a1420e42-8b4f-47b5-8113-6499a99f4ab1/dfc3d011-8f63-43f6-9ed8-4b444333a1d0/Clover-OneBusiness-Insurance-PDS-and-FSG-Allied-World-Assurance.pdf", "date": "2024-11-28" }, { "title": "OneBusiness Pack Combined PDS and FSG (RAC Insurance, v10-23)", "url": "https://www.insurance.com.au/getContentAsset/4365d5d2-3f51-4a10-8b88-eca9c3204d11/dfc3d011-8f63-43f6-9ed8-4b444333a1d0/Clover-OneBusiness-Pack-Insurance-v10-23.pdf", "date": "2023-10-01" } ], "quotes": { "product": { "text": "Business Building and Contents insurance, also known as Commercial Property insurance, provides financial protection against unexpected insured events that may cause damage to or destroy physical assets.", "url": "https://www.insurance.com.au/business-insurance/commercial-property-insurance-building-contents", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Business Building and Contents insurance, also known as Commercial Property insurance, provides financial protection against unexpected insured events that may cause damage to or destroy physical assets.", "url": "https://www.insurance.com.au/business-insurance/commercial-property-insurance-building-contents#:~:text=Business%20Building%20and%20Contents%20insurance%2C,to%20or%20destroy%20physical%20assets.", "document_sha256": "f0334ecbd4fd7083da7720543ca1ef2949e7a9d519fb895c23cd134512f791e3", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood and theft coverage is only included in the insurance policy upon selection.", "url": "https://www.insurance.com.au/business-insurance/commercial-property-insurance-building-contents", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood and theft coverage is only included in the insurance policy upon selection.", "url": "https://www.insurance.com.au/business-insurance/commercial-property-insurance-building-contents#:~:text=Flood%20and%20theft%20coverage%20is,the%20insurance%20policy%20upon%20selection.", "document_sha256": "f0334ecbd4fd7083da7720543ca1ef2949e7a9d519fb895c23cd134512f791e3", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "We do not cover any loss, damage or liability if You have not used Your Location for Business purposes for at least 2 consecutive days in the previous sixty (60) consecutive days, unless We agreed in writing to cover Your unoccupied Location.", "url": "https://www.insurance.com.au/getContentAsset/a1420e42-8b4f-47b5-8113-6499a99f4ab1/dfc3d011-8f63-43f6-9ed8-4b444333a1d0/Clover-OneBusiness-Insurance-PDS-and-FSG-Allied-World-Assurance.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We do not cover any loss, damage or liability if You have not used Your Location for Business purposes for at least 2 consecutive days in the previous sixty (60) consecutive days, unless We agreed in writing to cover Your unoccupied Location.", "url": "https://www.insurance.com.au/getContentAsset/a1420e42-8b4f-47b5-8113-6499a99f4ab1/dfc3d011-8f63-43f6-9ed8-4b444333a1d0/Clover-OneBusiness-Insurance-PDS-and-FSG-Allied-World-Assurance.pdf#page=38", "page": 38, "document_sha256": "156d13c16de55c889ca75165138f0a58eceff6d5462d12f1b6aca30a1e5418a8", "confirmed": "2026-11-13" } } }, "conditions": [ "You will only be covered under the Business Building and Contents section where it is shown as 'Insured' in the Policy Schedule, so buildings cover is optional.", "The policy excludes flood unless shown as insured in the policy schedule.", "Designed to cover the buildings, contents and stock that a business owns or leases." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Unoccupied means not used for business purposes for at least 2 consecutive days in the previous 60. Unless the insurer agreed in writing.", "then": null, "label": "No cover after 60 days" }, "id": "onebusiness-pack-business-building-and-contents", "type_label": "Business property", "issuers": [ { "name": "Allied World Assurance Company, Ltd (Australia Branch)", "abn": "54163304907", "afsl": "548668", "lloyds": false, "slug": "allied-world-assurance", "apra": { "status": "authorised", "name": "Allied World Assurance 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": "548668", "name": "ALLIED WORLD ASSURANCE COMPANY, LTD", "abn": "54163304907", "acn": null, "licensed_since": "2023-09-14", "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": "This insurance is underwritten by Allied World Assurance Company, Ltd (Australia Branch) ABN 54 163 304 907, AFSL 548668", "url": "https://www.insurance.com.au/getContentAsset/a1420e42-8b4f-47b5-8113-6499a99f4ab1/dfc3d011-8f63-43f6-9ed8-4b444333a1d0/Clover-OneBusiness-Insurance-PDS-and-FSG-Allied-World-Assurance.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This insurance is underwritten by Allied World Assurance Company, Ltd (Australia Branch) ABN 54 163 304 907, AFSL 548668", "url": "https://www.insurance.com.au/getContentAsset/a1420e42-8b4f-47b5-8113-6499a99f4ab1/dfc3d011-8f63-43f6-9ed8-4b444333a1d0/Clover-OneBusiness-Insurance-PDS-and-FSG-Allied-World-Assurance.pdf#page=4", "page": 4, "document_sha256": "156d13c16de55c889ca75165138f0a58eceff6d5462d12f1b6aca30a1e5418a8", "confirmed": "2026-11-13" } }, "distributor": { "text": "insurance.com.au Pty Ltd is an Authorised Representative AFSRN 443422 of Community Broker Network Pty Ltd ABN 60 096 916 184 AFSL 233750.", "url": "https://www.insurance.com.au/business-insurance/commercial-property-insurance-building-contents", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "insurance.com.au Pty Ltd is an Authorised Representative AFSRN 443422 of Community Broker Network Pty Ltd ABN 60 096 916 184 AFSL 233750.", "url": "https://www.insurance.com.au/business-insurance/commercial-property-insurance-building-contents#:~:text=insurance.com.au%20Pty%20Ltd%20is%20an,096%20916%20184%20AFSL%20233750.", "document_sha256": "f0334ecbd4fd7083da7720543ca1ef2949e7a9d519fb895c23cd134512f791e3", "confirmed": "2026-11-13" } } }, "curation_notes": "Clover Insurance Pty Ltd (ABN 19653550371, AFSL 538528) is the underwriting agency. The insurance.com.au site lists two PDS versions for the same pack: an older one (v10-23) underwritten by RAC Insurance Pty Ltd (ABN 59094685882, AFSL 231222, a subsidiary of the Royal Automobile Club of WA) and a Nov 2024 version underwritten by Allied World. Allied World is recorded as the current underwriter because its PDS is dated later, but the site does not say which applies to a new policy. No TMD for the pack was found, so eligibility is null. Channel and online_quote are null: insurance.com.au offers a 'Get a quote' flow but the PDS refers to 'your insurance broker', and no sentence settles it. The distributor ABN is not stated in the sources read.", "segments": [ "commercial" ], "issuers": [ { "name": "Allied World Assurance Company, Ltd (Australia Branch)", "abn": "54163304907", "afsl": "548668", "lloyds": false, "slug": "allied-world-assurance", "apra": { "status": "authorised", "name": "Allied World Assurance 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": "548668", "name": "ALLIED WORLD ASSURANCE COMPANY, LTD", "abn": "54163304907", "acn": null, "licensed_since": "2023-09-14", "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": "233750", "name": "COMMUNITY BROKER NETWORK PTY LTD", "abn": "60096916184", "acn": null, "licensed_since": "2003-11-01", "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/clover/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/clover.json" }, { "slug": "coles-insurance", "name": "Coles Insurance", "website": "https://www.colesinsurance.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": "Coles Home Building Insurance", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "eligibility": "Owner-occupiers and landlords of free-standing houses, townhouses, duplexes, terraces or villas; not available in the NT, North Qld and Northern WA.", "states": null, "documents": [ { "title": "Home Insurance page", "url": "https://www.colesinsurance.com.au/home-insurance", "date": null }, { "title": "Coles Home and Contents Insurance Product Disclosure Statement", "url": "https://ecommerce.disconline.com.au/branding/resources/EXCL/legal/home/HPDSEXCL.pdf", "date": "2024-07-01" }, { "title": "Supplementary PDS", "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/EXCL/legal/home/20260625_SPDSEXCL.pdf", "date": "2026-03-05" }, { "title": "Key Facts Sheet - Home Building", "url": "https://colesinsurance.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/EXCL/legal/home/20240725_TMD.pdf", "date": "2024-07-25" } ], "quotes": { "product": { "text": "Home Building Insurance covers loss or damage to your home which you own and use for domestic or residential purposes.", "url": "https://www.colesinsurance.com.au/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Home Building Insurance covers loss or damage to your home which you own and use for domestic or residential purposes.", "url": "https://www.colesinsurance.com.au/home-insurance#:~:text=Home%20Building%20Insurance%20covers%20loss,for%20domestic%20or%20residential%20purposes.", "document_sha256": "a2391f557418608af99a67f0ef52059b432b33aa7031f55311cfdfdd91f9427d", "confirmed": "2026-11-13" } }, "channel": { "text": "The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.", "url": "https://www.colesinsurance.com.au/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.", "url": "https://www.colesinsurance.com.au/home-insurance#:~:text=The%20Online%20Discount%20is%20available,quote%20reference%20number%20if%20requested.", "document_sha256": "a2391f557418608af99a67f0ef52059b432b33aa7031f55311cfdfdd91f9427d", "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": "For extra protection you can take out optional Flood cover.", "url": "https://www.colesinsurance.com.au/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "For extra protection you can take out optional Flood cover.", "url": "https://www.colesinsurance.com.au/home-insurance#:~:text=For%20extra%20protection%20you%20can%20take%20out%20optional%20Flood%20cover.", "document_sha256": "a2391f557418608af99a67f0ef52059b432b33aa7031f55311cfdfdd91f9427d", "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/EXCL/legal/home/20240725_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/EXCL/legal/home/20240725_TMD.pdf#page=2", "page": 2, "document_sha256": "738570fa4759d66cab14beebd27228040a0694f3ed41c17ff1685864d2a36752", "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://ecommerce.disconline.com.au/branding/resources/EXCL/legal/home/HPDSEXCL.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://ecommerce.disconline.com.au/branding/resources/EXCL/legal/home/HPDSEXCL.pdf#page=16", "page": 16, "document_sha256": "0566d3823a6eb523c856bbf693dfa3528b29cba7664de196459bc21ae719c528", "confirmed": "2026-11-13" } } }, "conditions": [ "Coles' own PDS (prepared 1 July 2024) was not retrievable (403), so accidental damage and any safety-net buffer are not recorded.", "Home and Landlord Insurance not available in NT, North Qld and Northern WA." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1000, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Must keep it secure, garden and mail tidy and checked regularly, or a claim may be refused or reduced.", "then": { "days": 180, "effect": "no_cover" }, "label": "Extra $1,000 excess after 60 days; no cover at all after 180 days" }, "id": "coles-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": [] } } ] }, { "name": "Coles Landlord Insurance", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "eligibility": "Owner-occupiers and landlords of free-standing houses, townhouses, duplexes, terraces or villas; not available in the NT, North Qld and Northern WA.", "states": null, "documents": [ { "title": "Home Insurance page", "url": "https://www.colesinsurance.com.au/home-insurance", "date": null }, { "title": "Coles Home and Contents Insurance Product Disclosure Statement", "url": "https://ecommerce.disconline.com.au/branding/resources/EXCL/legal/home/HPDSEXCL.pdf", "date": "2024-07-01" }, { "title": "Supplementary PDS", "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/EXCL/legal/home/20260625_SPDSEXCL.pdf", "date": "2026-03-05" }, { "title": "Key Facts Sheet - Home Building", "url": "https://colesinsurance.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/EXCL/legal/home/20240725_TMD.pdf", "date": "2024-07-25" } ], "quotes": { "product": { "text": "Coles Home and Landlord Insurance is issued by Auto & General Insurance Company Ltd ACN 111 586 353, AFSL 285571 (AGIC).", "url": "https://www.colesinsurance.com.au/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Coles Home and Landlord Insurance is issued by Auto & General Insurance Company Ltd ACN 111 586 353, AFSL 285571 (AGIC).", "url": "https://www.colesinsurance.com.au/home-insurance#:~:text=Coles%20Home%20and%20Landlord%20Insurance,586%20353%2C%20AFSL%20285571%20%28AGIC%29.", "document_sha256": "a2391f557418608af99a67f0ef52059b432b33aa7031f55311cfdfdd91f9427d", "confirmed": "2026-11-13" } }, "channel": { "text": "The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.", "url": "https://www.colesinsurance.com.au/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.", "url": "https://www.colesinsurance.com.au/home-insurance#:~:text=The%20Online%20Discount%20is%20available,quote%20reference%20number%20if%20requested.", "document_sha256": "a2391f557418608af99a67f0ef52059b432b33aa7031f55311cfdfdd91f9427d", "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": "For extra protection you can take out optional Flood cover.", "url": "https://www.colesinsurance.com.au/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "For extra protection you can take out optional Flood cover.", "url": "https://www.colesinsurance.com.au/home-insurance#:~:text=For%20extra%20protection%20you%20can%20take%20out%20optional%20Flood%20cover.", "document_sha256": "a2391f557418608af99a67f0ef52059b432b33aa7031f55311cfdfdd91f9427d", "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/EXCL/legal/home/20240725_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/EXCL/legal/home/20240725_TMD.pdf#page=2", "page": 2, "document_sha256": "738570fa4759d66cab14beebd27228040a0694f3ed41c17ff1685864d2a36752", "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://ecommerce.disconline.com.au/branding/resources/EXCL/legal/home/HPDSEXCL.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://ecommerce.disconline.com.au/branding/resources/EXCL/legal/home/HPDSEXCL.pdf#page=16", "page": 16, "document_sha256": "0566d3823a6eb523c856bbf693dfa3528b29cba7664de196459bc21ae719c528", "confirmed": "2026-11-13" } } }, "conditions": [ "Coles' own PDS (prepared 1 July 2024) was not retrievable (403), so accidental damage and any safety-net buffer are not recorded.", "Home and Landlord Insurance not available in NT, North Qld and Northern WA." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1000, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Must keep it secure, garden and mail tidy and checked regularly, or a claim may be refused or reduced.", "then": { "days": 180, "effect": "no_cover" }, "label": "Extra $1,000 excess after 60 days; no cover at all after 180 days" }, "id": "coles-landlord-insurance", "type_label": "Landlord", "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/EXCL/legal/home/20260625_SPDSEXCL.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/EXCL/legal/home/20260625_SPDSEXCL.pdf#page=1", "page": 1, "document_sha256": "40458af4dc4235e5f0c8fe4d536d9837fa8bd7d70c6a8695ab916cea6c98cd93", "confirmed": "2026-11-13" } }, "distributor": { "text": "It is arranged by Auto & General Services Pty Ltd ACN 003 617 909, AFSL 241411 (AGS)", "url": "https://www.colesinsurance.com.au/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "It is arranged by Auto & General Services Pty Ltd ACN 003 617 909, AFSL 241411 (AGS)", "url": "https://www.colesinsurance.com.au/home-insurance#:~:text=It%20is%20arranged%20by%20Auto,617%20909%2C%20AFSL%20241411%20%28AGS%29", "document_sha256": "a2391f557418608af99a67f0ef52059b432b33aa7031f55311cfdfdd91f9427d", "confirmed": "2026-11-13" } } }, "curation_notes": "Coles Insurance home cover is now issued by Auto & General Insurance Company Limited (the site says 'Coles Car and Home Insurance is now underwritten by Auto & General Insurance Company Ltd'). Coles' PDS PDF returned 403 from disconline host so PDS-based fields are null. | The Coles PDS, key facts sheets and TMD are hosted at colesinsurance.disconline.com.au behind a Cloudflare challenge that returned HTTP 403 to curl and to headless Chromium, so cover basis, flood and accidental damage could not be read and are null. The underwriter ABN 42 111 586 353 is taken from the ING and Qantas PDS (same Auto & General product family); the Coles page itself gives only the ACN. Coles is likely the same Auto & General template as ING and Qantas, but that was not verified.", "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/coles-insurance/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/coles-insurance.json" }, { "slug": "commbank", "name": "CommBank", "website": "https://www.commbank.com.au/", "kind": "brand", "underwriter": "Hollard Insurance Partners Limited", "underwriter_abn": "96067524216", "underwriter_afsl": "235030", "lloyds": false, "distributor": { "name": "Commonwealth Bank of Australia", "abn": "48123123124", "afsl": "234945", "authorised_representative_no": null }, "products": [ { "name": "CommBank Home Insurance (building cover)", "type": "home_building", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "choice", "buffer_percent": 25, "flood": "included", "accidental_damage": "optional", "levels": [ "Classic Cover", "Plus Cover" ], "eligibility": null, "states": null, "documents": [ { "title": "Home Insurance Product Disclosure Statement", "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf", "date": "2024-08-11" }, { "title": "Key Fact Sheet - Building", "url": "https://www.hollard.com.au/media/st0pxwxz/cba-home-building-kfs.pdf", "date": "2024-03-12" }, { "title": "Home Insurance Building TMD", "url": "https://www.hollard.com.au/media/wh2aosv2/cba-home-building-tmd.pdf", "date": null } ], "quotes": { "product": { "text": "This insurance is provided by Hollard Insurance Partners Limited (Hollard), ABN 96 067 524 216, Australian Financial Services Licence (AFSL) 235030.", "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This insurance is provided by Hollard Insurance Partners Limited (Hollard), ABN 96 067 524 216, Australian Financial Services Licence (AFSL) 235030.", "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf#page=2", "page": 2, "document_sha256": "0423a8cef799b0dd8daf9f577c2a6f3cfc8d7e3384752a9e48b1cc0721d54966", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Gap cover (see pages 34 - 35) Not covered Up to 25% of your sum(s) insured", "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Gap cover (see pages 34 - 35) Not covered Up to 25% of your sum(s) insured", "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf#page=13", "page": 13, "document_sha256": "0423a8cef799b0dd8daf9f577c2a6f3cfc8d7e3384752a9e48b1cc0721d54966", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood Yes Excludes loss or damage to retaining and/or freestanding outdoor walls, or to loose surfaces of paths and driveways.", "url": "https://www.hollard.com.au/media/st0pxwxz/cba-home-building-kfs.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood Yes Excludes loss or damage to retaining and/or freestanding outdoor walls, or to loose surfaces of paths and driveways.", "url": "https://www.hollard.com.au/media/st0pxwxz/cba-home-building-kfs.pdf#page=1", "page": 1, "document_sha256": "0b36edb558cad72732b701ab44e02b6ba3926fa1309753d0d835eb01b9273de2", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "unless you have taken out the Optional Cover ‘Accidental damage’", "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "unless you have taken out the Optional Cover ‘Accidental damage’", "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf#page=20", "page": 20, "document_sha256": "0423a8cef799b0dd8daf9f577c2a6f3cfc8d7e3384752a9e48b1cc0721d54966", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "When your home will be unoccupied for longer than a period of 60 consecutive days, cover for your building and/or contents will be restricted to the following Insured Events only:", "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "When your home will be unoccupied for longer than a period of 60 consecutive days, cover for your building and/or contents will be restricted to the following Insured Events only:", "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf#page=52", "page": 52, "document_sha256": "0423a8cef799b0dd8daf9f577c2a6f3cfc8d7e3384752a9e48b1cc0721d54966", "confirmed": "2026-11-13" } } }, "conditions": [ "Classic cover is sum insured only; Plus cover adds 'Gap cover' of up to 25% of the sum insured.", "Accidental damage is an optional cover." ], "unoccupied": { "days": 60, "effect": "reduced_cover", "excess": null, "excluded_events": null, "still_covered": "fire, storm, rainwater and flood, lightning, earthquake, tsunami, volcanic eruption, impact", "must_tell": true, "conditions": "Must keep it looking lived in (lawns, mail stopped, weekly check). For over 120 days tell CommBank in advance; cover then continues only if it agrees in writing.", "then": { "days": 120, "effect": "no_cover" }, "label": "Some events not covered after 60 days; no cover at all after 120 days" }, "id": "home-insurance-building-cover", "type_label": "Home building", "issuers": [ { "name": "Hollard Insurance Partners Limited", "abn": "96067524216", "afsl": "235030", "lloyds": false, "slug": "hollard-insurance-partners", "apra": { "status": "authorised", "name": "Hollard Insurance Partners 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": "235030", "name": "HOLLARD INSURANCE PARTNERS LIMITED", "abn": "96067524216", "acn": null, "licensed_since": "2003-12-01", "locality": "North Sydney NSW 2060", "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": "CommBank Landlord Insurance (building cover)", "type": "landlord", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Landlord Insurance Product Disclosure Statement", "url": "https://www.hollard.com.au/media/hklfdqcn/cba-landlord-pds.pdf", "date": null } ], "quotes": { "product": { "text": "This insurance is provided by Hollard Insurance Partners Limited (Hollard), ABN 96 067 524 216, Australian Financial Services Licence (AFSL) 235030.", "url": "https://www.hollard.com.au/media/hklfdqcn/cba-landlord-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This insurance is provided by Hollard Insurance Partners Limited (Hollard), ABN 96 067 524 216, Australian Financial Services Licence (AFSL) 235030.", "url": "https://www.hollard.com.au/media/hklfdqcn/cba-landlord-pds.pdf#page=2", "page": 2, "document_sha256": "5d7eebab9f6546674aface448618e85d127101f4b994e9797e44cdc5bd684154", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "When your building will be unoccupied for longer than a period of 60 consecutive days, cover for your building and/or contents will be restricted to the following Insured Events only:", "url": "https://www.hollard.com.au/media/hklfdqcn/cba-landlord-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "When your building will be unoccupied for longer than a period of 60 consecutive days, cover for your building and/or contents will be restricted to the following Insured Events only:", "url": "https://www.hollard.com.au/media/hklfdqcn/cba-landlord-pds.pdf#page=40", "page": 40, "document_sha256": "5d7eebab9f6546674aface448618e85d127101f4b994e9797e44cdc5bd684154", "confirmed": "2026-11-13" } } }, "conditions": [], "unoccupied": { "days": 60, "effect": "reduced_cover", "excess": null, "excluded_events": null, "still_covered": "storm, rainwater and flood, lightning, earthquake, tsunami, volcanic eruption, impact", "must_tell": true, "conditions": "Must keep it looking lived in. Over 120 days tell CommBank in advance or a claim may be reduced to nil. PDS lists fire as covered in one section but not the exclusion.", "then": null, "label": "Some events not covered after 60 days" }, "id": "landlord-insurance-building-cover", "type_label": "Landlord", "issuers": [ { "name": "Hollard Insurance Partners Limited", "abn": "96067524216", "afsl": "235030", "lloyds": false, "slug": "hollard-insurance-partners", "apra": { "status": "authorised", "name": "Hollard Insurance Partners 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": "235030", "name": "HOLLARD INSURANCE PARTNERS LIMITED", "abn": "96067524216", "acn": null, "licensed_since": "2003-12-01", "locality": "North Sydney NSW 2060", "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 insurance is provided by Hollard Insurance Partners Limited (Hollard), ABN 96 067 524 216, Australian Financial Services Licence (AFSL) 235030.", "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This insurance is provided by Hollard Insurance Partners Limited (Hollard), ABN 96 067 524 216, Australian Financial Services Licence (AFSL) 235030.", "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf#page=2", "page": 2, "document_sha256": "0423a8cef799b0dd8daf9f577c2a6f3cfc8d7e3384752a9e48b1cc0721d54966", "confirmed": "2026-11-13" } }, "distributor": { "text": "This insurance is distributed by the Commonwealth Bank of Australia (CBA) AFSL 234945.", "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This insurance is distributed by the Commonwealth Bank of Australia (CBA) AFSL 234945.", "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf#page=2", "page": 2, "document_sha256": "0423a8cef799b0dd8daf9f577c2a6f3cfc8d7e3384752a9e48b1cc0721d54966", "confirmed": "2026-11-13" } }, "distributor_abn": { "text": "Distributed by: Commonwealth Bank of Australia, ABN 48 123 123 124, AFSL No. 234945.", "url": "https://www.hollard.com.au/media/st0pxwxz/cba-home-building-kfs.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Distributed by: Commonwealth Bank of Australia, ABN 48 123 123 124, AFSL No. 234945.", "url": "https://www.hollard.com.au/media/st0pxwxz/cba-home-building-kfs.pdf#page=2", "page": 2, "document_sha256": "0b36edb558cad72732b701ab44e02b6ba3926fa1309753d0d835eb01b9273de2", "confirmed": "2026-11-13" } } }, "curation_notes": "CBA's insurer is Hollard Insurance Partners Limited (ABN 96 067 524 216), not The Hollard Insurance Company Pty Ltd (used for Real, Seniors, Everyday and Huddle). PDS dated 11 August 2024 and key facts sheet 12 March 2024 are the current files linked from commbank.com.au/insurance/brochures-forms.html. Landlord cover basis, flood and accidental damage were not read and are left blank.", "segments": [ "residential" ], "issuers": [ { "name": "Hollard Insurance Partners Limited", "abn": "96067524216", "afsl": "235030", "lloyds": false, "slug": "hollard-insurance-partners", "apra": { "status": "authorised", "name": "Hollard Insurance Partners 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": "235030", "name": "HOLLARD INSURANCE PARTNERS LIMITED", "abn": "96067524216", "acn": null, "licensed_since": "2003-12-01", "locality": "North Sydney NSW 2060", "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": "234945", "name": "COMMONWEALTH BANK OF AUSTRALIA", "abn": "48123123124", "acn": null, "licensed_since": "2003-12-01", "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" } }, "page": "https://deepalmanac.com/au/insurance/building/commbank/", "json": 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"checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.", "url": "https://www.cgu.com.au/documents/defencebank/home/pds#page=22", "page": 22, "document_sha256": "ad852211754b64b7de08f7c9762af227f46f16ff0d1f413c93c57361d4db1fb6", "confirmed": "2026-11-13" } }, "flood": { "text": "Covered as Flood or Rainwater Run-off.", "url": "https://www.cgu.com.au/documents/cgu-partners/home-building/kfs", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Covered as Flood or Rainwater Run-off.", "url": "https://www.cgu.com.au/documents/cgu-partners/home-building/kfs#page=1", "page": 1, "document_sha256": "48ddf90ed3ae6f5da76eeb2b587b36030603d48a5bc5762e6cf990225dc4e35f", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Cover Building Plus Contents Plus Building Standard Contents Standard Accidental 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227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/defencebank/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/defencebank/landlord/pds#page=2", "page": 2, "document_sha256": "0401f5b94725450d679cd50187be0c13b3a816657f73d42b65ae35370b2e3b40", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Cover Building Contents Rent default Optional Optional Safety net Optional", "url": "https://www.cgu.com.au/documents/defencebank/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover Building Contents Rent default Optional Optional Safety net Optional", "url": "https://www.cgu.com.au/documents/defencebank/landlord/pds#page=4", "page": 4, "document_sha256": 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"json": "https://deepalmanac.com/au/insurance/building/v1/brands/defence-bank.json" }, { "slug": "dsh-insurance", "name": "DSH Insurance (Defence Service Homes)", "website": "https://www.dsh.gov.au/insurance", "kind": "insurer", "underwriter": "Defence Service Homes Insurance Scheme", "underwriter_abn": "97191187638", "underwriter_afsl": null, "lloyds": false, "government": true, "distributor": null, "quotes": { "underwriter": { "text": "‘we’ or ‘our’ or ‘us’ means the Defence Service Homes Insurance Scheme.", "url": "https://www.dsh.gov.au/sites/default/files/2023-07/building-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "‘we’ or ‘our’ or ‘us’ means the Defence Service Homes Insurance Scheme.", "url": "https://www.dsh.gov.au/sites/default/files/2023-07/building-insurance-pds.pdf#page=4", "page": 4, "document_sha256": "2cbb9aaec2345310d84355c1d83c513bcb47698bc39bd7842493464f54b59100", "confirmed": "2026-11-13" } } }, "products": [ { "name": "DSH Home Building Insurance", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "included", "levels": [], "eligibility": "Current and former Australian Defence Force members, and widows or widowers of members, who own the property.", "states": null, "documents": [ { "title": "Product Disclosure Statement", "url": "https://www.dsh.gov.au/sites/default/files/2023-07/building-insurance-pds.pdf", "date": "2020-09-01" }, { "title": "Key Facts Sheet", "url": "https://www.dsh.gov.au/sites/default/files/2023-07/buildingkfs.pdf", "date": null }, { "title": "Target Market Determination", "url": "https://www.dsh.gov.au/sites/default/files/2023-07/home-building-tmd.pdf", "date": null } ], "quotes": { "product": { "text": "Our comprehensive home building insurance covers your home (or your rental property) as well as building and structural improvements such as garages, domestic outbuildings, pergolas, fences, swimming pools, concrete paths and paving.", "url": "https://www.dsh.gov.au/insurance/home-building", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Our comprehensive home building insurance covers your home (or your rental property) as well as building and structural improvements such as garages, domestic outbuildings, pergolas, fences, swimming pools, concrete paths and paving.", "url": "https://www.dsh.gov.au/insurance/home-building#:~:text=Our%20comprehensive%20home%20building%20insurance,pools%2C%20concrete%20paths%20and%20paving.", "document_sha256": "de23261acfcc801e4fdd3671855d67a865c911d0011d839487edf8deb731c869", "confirmed": "2026-11-13" } }, "channel": { "text": "This product can only be sold via Defence Service Homes Insurance Scheme, ABN 97 191 187 638.", "url": "https://www.dsh.gov.au/sites/default/files/2023-07/home-building-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This product can only be sold via Defence Service Homes Insurance Scheme, ABN 97 191 187 638.", "url": "https://www.dsh.gov.au/sites/default/files/2023-07/home-building-tmd.pdf#page=3", "page": 3, "document_sha256": "9d7812545c352e08243ea011a07d88a82b21dcc7ed887ff4ed1335d018a2ec40", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Your sum insured for Part 1: Home Building is the total amount that you insure the home for, using the calculation below. We calculate this amount and show it on your certificate.", "url": "https://www.dsh.gov.au/sites/default/files/2023-07/building-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Your sum insured for Part 1: Home Building is the total amount that you insure the home for, using the calculation below. We calculate this amount and show it on your certificate.", "url": "https://www.dsh.gov.au/sites/default/files/2023-07/building-insurance-pds.pdf#page=6", "page": 6, "document_sha256": "2cbb9aaec2345310d84355c1d83c513bcb47698bc39bd7842493464f54b59100", "confirmed": "2026-11-13" } }, "flood": { "text": "We insure you for loss or damage to the home caused by flood, or a tidal wave, or the action of the sea.", "url": "https://www.dsh.gov.au/sites/default/files/2023-07/building-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We insure you for loss or damage to the home caused by flood, or a tidal wave, or the action of the sea.", "url": "https://www.dsh.gov.au/sites/default/files/2023-07/building-insurance-pds.pdf#page=10", "page": 10, "document_sha256": "2cbb9aaec2345310d84355c1d83c513bcb47698bc39bd7842493464f54b59100", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Loss or damage to the home that is accidental and directly caused by a sudden and unexpected event.", "url": "https://www.dsh.gov.au/sites/default/files/2023-07/buildingkfs.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Loss or damage to the home that is accidental and directly caused by a sudden and unexpected event.", "url": "https://www.dsh.gov.au/sites/default/files/2023-07/buildingkfs.pdf#page=1", "page": 1, "document_sha256": "16ca52928e6c80c2f1d42835401cda9ee9f53d23ad1de4df92e1dc98999f2ddd", "confirmed": "2026-11-13" } }, "eligibility": { "text": "If you have ever served in the Australian Defence Force (for one day or more) or you are the widow/widower of someone who has ever served in the Australian Defence Force (one day or more), and you are the owner of the property, you are eligible for DSH Insurance Home Building Insurance.", "url": "https://www.dsh.gov.au/sites/default/files/2023-07/home-building-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If you have ever served in the Australian Defence Force (for one day or more) or you are the widow/widower of someone who has ever served in the Australian Defence Force (one day or more), and you are the owner of the property, you are eligible for DSH Insurance Home Building Insurance.", "url": "https://www.dsh.gov.au/sites/default/files/2023-07/home-building-tmd.pdf#page=1", "page": 1, "document_sha256": "9d7812545c352e08243ea011a07d88a82b21dcc7ed887ff4ed1335d018a2ec40", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "the home is going to be unoccupied for more than 90 consecutive days, or", "url": "https://www.dsh.gov.au/sites/default/files/2023-07/building-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "the home is going to be unoccupied for more than 90 consecutive days, or", "url": "https://www.dsh.gov.au/sites/default/files/2023-07/building-insurance-pds.pdf#page=7", "page": 7, "document_sha256": "2cbb9aaec2345310d84355c1d83c513bcb47698bc39bd7842493464f54b59100", "confirmed": "2026-11-13" } } }, "conditions": [ "The same policy covers a home you live in or a rental property.", "Only for people eligible under the Defence Service Homes Act 1918." ], "unoccupied": { "days": 90, "effect": "may_refuse", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Applies only if you did not tell DSH before the home became unoccupied.", "then": null, "label": "Cover may be refused after 90 days" }, "id": "dsh-home-building-insurance", "type_label": "Home building", "issuers": [ { "name": "Defence Service Homes Insurance Scheme", "abn": "97191187638", "afsl": null, "lloyds": false, "slug": "defence-service-homes-insurance-scheme", "apra": { "status": "government", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] } ], "curation_notes": "Found through ARPC's cyclone pool listing (discovery only). A Commonwealth scheme, not on APRA's register of general insurers. The PDS on the site is effective 1 September 2020.", "segments": [ "residential" ], "issuers": [ { "name": "Defence Service Homes Insurance Scheme", "abn": "97191187638", "afsl": null, "lloyds": false, "slug": "defence-service-homes-insurance-scheme", "apra": { "status": "government", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ], "distributor_licence": null, "page": "https://deepalmanac.com/au/insurance/building/dsh-insurance/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/dsh-insurance.json" }, { "slug": "ebm-rentcover", "name": "EBM RentCover", "website": "https://www.rentcover.com.au/", "kind": "underwriting_agency", "underwriter": "Zurich Australian Insurance Limited", "underwriter_abn": "13000296640", "underwriter_afsl": "232507", "lloyds": false, "distributor": { "name": "RentCover Underwriting Agency Pty Ltd (EBM RentCover)", "abn": "76130218914", "afsl": "246986", "authorised_representative_no": "325630" }, "products": [ { "name": "RentCover Platinum", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "included", "levels": [ "RentCover Ultra", "RentCover Platinum", "RentCover ShortTerm" ], "eligibility": "Stand-alone homes and townhouses needing landlord, contents and building cover in one policy.", "states": null, "documents": [ { "title": "PDS - Ultra, Platinum and Householders Rental (prepared 5 September 2025)", "url": "https://www.rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-PDS-Ultra-Platinum-and-Householders-Rental.pdf", "date": "2025-09-05" }, { "title": "Financial Services Guide", "url": "https://www.rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-FSG.pdf", "date": null } ], "quotes": { "product": { "text": "RentCover Platinum is designed for stand-alone homes and townhouses needing cover for the entire property, from the driveway to the backyard.", "url": "https://www.rentcover.com.au/landlord-insurance/platinum/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "RentCover Platinum is designed for stand-alone homes and townhouses needing cover for the entire property, from the driveway to the backyard.", "url": "https://www.rentcover.com.au/landlord-insurance/platinum/#:~:text=RentCover%20Platinum%20is%20designed%20for,the%20driveway%20to%20the%20backyard.", "document_sha256": "35e7599727aeef7f46da552f1d9cbd793c88bc7004f4c888057c10d0bf41ad36", "confirmed": "2026-11-13" } }, "channel": { "text": "Get a quote or call today Get a quote or call 1800 661 662", "url": "https://www.rentcover.com.au/landlord-insurance/platinum/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Get a quote or call today Get a quote or call 1800 661 662", "url": "https://www.rentcover.com.au/landlord-insurance/platinum/#:~:text=Get%20a%20quote%20or%20call,or%20call%201800%20661%20662", "document_sha256": "35e7599727aeef7f46da552f1d9cbd793c88bc7004f4c888057c10d0bf41ad36", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "It is the full cost to rebuild your home in the event of a total loss and covers the removal of debris. You determine and tell us the sum insured at the time of application.", "url": "https://www.rentcover.com.au/landlord-insurance/platinum/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "It is the full cost to rebuild your home in the event of a total loss and covers the removal of debris. You determine and tell us the sum insured at the time of application.", "url": "https://www.rentcover.com.au/landlord-insurance/platinum/#:~:text=It%20is%20the%20full%20cost,at%20the%20time%20of%20application.", "document_sha256": "35e7599727aeef7f46da552f1d9cbd793c88bc7004f4c888057c10d0bf41ad36", "confirmed": "2026-11-13" } }, "flood": { "text": "RentCover Platinum offers cover for damage to the building caused by Mother Nature, including: bushfire , storm , flood , earthquake, tsunami and cyclone .", "url": "https://www.rentcover.com.au/landlord-insurance/platinum/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "RentCover Platinum offers cover for damage to the building caused by Mother Nature, including: bushfire , storm , flood , earthquake, tsunami and cyclone .", "url": "https://www.rentcover.com.au/landlord-insurance/platinum/#:~:text=RentCover%20Platinum%20offers%20cover%20for,earthquake%2C%20tsunami%20and%20cyclone%20.", "document_sha256": "35e7599727aeef7f46da552f1d9cbd793c88bc7004f4c888057c10d0bf41ad36", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Covers tenant damage to fixed contents and building, including intentional, malicious and accidental damage.", "url": "https://www.rentcover.com.au/landlord-insurance/platinum/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Covers tenant damage to fixed contents and building, including intentional, malicious and accidental damage.", "url": "https://www.rentcover.com.au/landlord-insurance/platinum/#:~:text=Covers%20tenant%20damage%20to%20fixed,intentional%2C%20malicious%20and%20accidental%20damage.", "document_sha256": "35e7599727aeef7f46da552f1d9cbd793c88bc7004f4c888057c10d0bf41ad36", "confirmed": "2026-11-13" } }, "eligibility": { "text": "RentCover Platinum is designed for stand-alone homes and townhouses needing cover for the entire property, from the driveway to the backyard.", "url": "https://www.rentcover.com.au/landlord-insurance/platinum/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "RentCover Platinum is designed for stand-alone homes and townhouses needing cover for the entire property, from the driveway to the backyard.", "url": "https://www.rentcover.com.au/landlord-insurance/platinum/#:~:text=RentCover%20Platinum%20is%20designed%20for,the%20driveway%20to%20the%20backyard.", "document_sha256": "35e7599727aeef7f46da552f1d9cbd793c88bc7004f4c888057c10d0bf41ad36", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "For the period from 90 consecutive days up to 180 consecutive days of Unoccupancy the excess will be $1,000 per claim.", "url": "https://www.rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-PDS-Ultra-Platinum-and-Householders-Rental.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "For the period from 90 consecutive days up to 180 consecutive days of Unoccupancy the excess will be $1,000 per claim.", "url": "https://www.rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-PDS-Ultra-Platinum-and-Householders-Rental.pdf#page=17", "page": 17, "document_sha256": "f1007576ab2671732c6846e8adff33fdecc707d8793f798f1192767e3c08bb4c", "confirmed": "2026-11-13" } } }, "conditions": [ "Excess $500 for natural disaster and fire damage to the building; $400 per event for tenant damage." ], "unoccupied": { "days": 90, "effect": "extra_excess", "excess": 1000, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unless you told EBM and it agreed in writing. Not applied to lightning, riot, impact or earthquake claims.", "then": { "days": 180, "effect": "extra_excess", "excess": 2000 }, "label": "Extra $1,000 excess after 90 days; extra $2,000 excess after 180 days" }, "id": "rentcover-platinum", "type_label": "Landlord", "issuers": [ { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "lloyds": false, "slug": "zurich-australian-insurance", "apra": { "status": "authorised", "name": "Zurich Australian 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": "232507", "name": "ZURICH AUSTRALIAN INSURANCE LIMITED", "abn": "13000296640", "acn": null, "licensed_since": "2004-01-31", "locality": "North Sydney NSW 2060", "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": "RentCover Ultra", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Apartments, units and villas covered under a strata building policy or insured separately, and standalone homes where the building is insured separately.", "states": null, "documents": [ { "title": "PDS - Ultra, Platinum and Householders Rental (prepared 5 September 2025)", "url": "https://www.rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-PDS-Ultra-Platinum-and-Householders-Rental.pdf", "date": "2025-09-05" } ], "quotes": { "product": { "text": "Designed for apartments, units, and villas covered under a strata building insurance policy or insured separately, as well as standalone homes where the building is insured separately.", "url": "https://www.rentcover.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Designed for apartments, units, and villas covered under a strata building insurance policy or insured separately, as well as standalone homes where the building is insured separately.", "url": "https://www.rentcover.com.au/#:~:text=Designed%20for%20apartments%2C%20units%2C%20and,the%20building%20is%20insured%20separately.", "document_sha256": "e9e7f09861cb1886e4acdf351f022f2a1697b3729d183b6b303f4c011e271864", "confirmed": "2026-11-13" } }, "channel": { "text": "Get a quote or call today Get a quote or call 1800 661 662", "url": "https://www.rentcover.com.au/landlord-insurance/ultra/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Get a quote or call today Get a quote or call 1800 661 662", "url": "https://www.rentcover.com.au/landlord-insurance/ultra/#:~:text=Get%20a%20quote%20or%20call,or%20call%201800%20661%20662", "document_sha256": "fb3ca8e2c2cc12d52d7e3edf22d3c64b48e3cb757fc9d4776c7a5901c701253e", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Designed for apartments, units, and villas covered under a strata building insurance policy or insured separately, as well as standalone homes where the building is insured separately.", "url": "https://www.rentcover.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Designed for apartments, units, and villas covered under a strata building insurance policy or insured separately, as well as standalone homes where the building is insured separately.", "url": "https://www.rentcover.com.au/#:~:text=Designed%20for%20apartments%2C%20units%2C%20and,the%20building%20is%20insured%20separately.", "document_sha256": "e9e7f09861cb1886e4acdf351f022f2a1697b3729d183b6b303f4c011e271864", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "For the period from 90 consecutive days up to 180 consecutive days of Unoccupancy the excess will be $1,000 per claim.", "url": "https://www.rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-PDS-Ultra-Platinum-and-Householders-Rental.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "For the period from 90 consecutive days up to 180 consecutive days of Unoccupancy the excess will be $1,000 per claim.", "url": "https://www.rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-PDS-Ultra-Platinum-and-Householders-Rental.pdf#page=17", "page": 17, "document_sha256": "f1007576ab2671732c6846e8adff33fdecc707d8793f798f1192767e3c08bb4c", "confirmed": "2026-11-13" } } }, "conditions": [ "Landlord and contents cover only; the building itself (Section 2) is not insured under Ultra." ], "unoccupied": { "days": 90, "effect": "extra_excess", "excess": 1000, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unless you told EBM and it agreed in writing. Not applied to lightning, riot, impact or earthquake claims.", "then": { "days": 180, "effect": "extra_excess", "excess": 2000 }, "label": "Extra $1,000 excess after 90 days; extra $2,000 excess after 180 days" }, "id": "rentcover-ultra", "type_label": "Landlord", "issuers": [ { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "lloyds": false, "slug": "zurich-australian-insurance", "apra": { "status": "authorised", "name": "Zurich Australian 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": "232507", "name": "ZURICH AUSTRALIAN INSURANCE LIMITED", "abn": "13000296640", "acn": null, "licensed_since": "2004-01-31", "locality": "North Sydney NSW 2060", "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": "RentCover ShortTerm", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Short-term rental properties including holiday homes, Airbnb accommodation and serviced apartments.", "states": null, "documents": [ { "title": "PDS - ShortTerm", "url": "https://www.rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-PDS-ShortTerm.pdf", "date": null } ], "quotes": { "product": { "text": "Designed for short-term rental properties including holiday homes, Airbnb accommodation and serviced apartments.", "url": "https://www.rentcover.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Designed for short-term rental properties including holiday homes, Airbnb accommodation and serviced apartments.", "url": "https://www.rentcover.com.au/#:~:text=Designed%20for%20short%2Dterm%20rental%20properties,Airbnb%20accommodation%20and%20serviced%20apartments.", "document_sha256": "e9e7f09861cb1886e4acdf351f022f2a1697b3729d183b6b303f4c011e271864", "confirmed": "2026-11-13" } }, "channel": { "text": "Get a quote or call today Get a quote or call 1800 661 662", "url": "https://www.rentcover.com.au/landlord-insurance/short-term/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Get a quote or call today Get a quote or call 1800 661 662", "url": "https://www.rentcover.com.au/landlord-insurance/short-term/#:~:text=Get%20a%20quote%20or%20call,or%20call%201800%20661%20662", "document_sha256": "24032caab4460cdfefd0a25bdc1d08d9de7e97c196bf453d5baf4102eb99d8c8", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Designed for short-term rental properties including holiday homes, Airbnb accommodation and serviced apartments.", "url": "https://www.rentcover.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Designed for short-term rental properties including holiday homes, Airbnb accommodation and serviced apartments.", "url": "https://www.rentcover.com.au/#:~:text=Designed%20for%20short%2Dterm%20rental%20properties,Airbnb%20accommodation%20and%20serviced%20apartments.", "document_sha256": "e9e7f09861cb1886e4acdf351f022f2a1697b3729d183b6b303f4c011e271864", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "the premises is left vacant or unoccupied for an indefinite period", "url": "https://www.rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-PDS-ShortTerm.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "the premises is left vacant or unoccupied for an indefinite period", "url": "https://www.rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-PDS-ShortTerm.pdf#page=18", "page": 18, "document_sha256": "43fd319a6886dda6a17f346854119dda348e9c9c188d23aaac4fff817dea615f", "confirmed": "2026-11-13" } } }, "conditions": [ "Building cover is optional." ], "unoccupied": { "days": null, "effect": "may_refuse", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "No day count: tell EBM if left vacant for an indefinite period; it may vary terms, charge more or deny cover.", "then": null, "label": "Cover may be refused" }, "id": "rentcover-shortterm", "type_label": "Landlord", "issuers": [ { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "lloyds": false, "slug": "zurich-australian-insurance", "apra": { "status": "authorised", "name": "Zurich Australian 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": "232507", "name": "ZURICH AUSTRALIAN INSURANCE LIMITED", "abn": "13000296640", "acn": null, "licensed_since": "2004-01-31", "locality": "North Sydney NSW 2060", "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": "The Policy is underwritten by Zurich Australian Insurance Limited (ZAIL or Zurich), ABN 13 000 296 640, AFS Licence No. 232507", "url": "https://www.rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-PDS-Ultra-Platinum-and-Householders-Rental.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Policy is underwritten by Zurich Australian Insurance Limited (ZAIL or Zurich), ABN 13 000 296 640, AFS Licence No. 232507", "url": "https://www.rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-PDS-Ultra-Platinum-and-Householders-Rental.pdf#page=1", "page": 1, "document_sha256": "f1007576ab2671732c6846e8adff33fdecc707d8793f798f1192767e3c08bb4c", "confirmed": "2026-11-13" } }, "distributor": { "text": "In this document, any reference to 'we', 'our' or 'us' means RentCover Underwriting Agency Pty Ltd (EBM RentCover) ABN 76 130 218 914 / ARN 325630.", "url": "https://www.rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-PDS-Ultra-Platinum-and-Householders-Rental.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "In this document, any reference to 'we', 'our' or 'us' means RentCover Underwriting Agency Pty Ltd (EBM RentCover) ABN 76 130 218 914 / ARN 325630.", "url": "https://www.rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-PDS-Ultra-Platinum-and-Householders-Rental.pdf#page=1", "page": 1, "document_sha256": "f1007576ab2671732c6846e8adff33fdecc707d8793f798f1192767e3c08bb4c", "confirmed": "2026-11-13" } } }, "curation_notes": "Underwritten by Zurich per the PDS prepared 5 September 2025 (website PDS links dated March 2026). Some third-party pages still say QBE, which was the earlier underwriter. AFSL shown is that of EBM Insurance & Risk (the licensee RentCover is authorised under); ARN 325630 is the number printed in the PDS. 'online_quote' and channel come from the site's get-a-quote pages and agent hub; channel is a judgement (agents plus direct quote).", "segments": [ "residential" ], "issuers": [ { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "lloyds": false, "slug": "zurich-australian-insurance", "apra": { "status": "authorised", "name": "Zurich Australian 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": "232507", "name": "ZURICH AUSTRALIAN INSURANCE LIMITED", "abn": "13000296640", "acn": null, "licensed_since": "2004-01-31", "locality": "North Sydney NSW 2060", "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": "246986", "name": "ELKINGTON BISHOP MOLINEAUX INSURANCE BROKERS PTY LIMITED", "abn": "31009179640", "acn": null, "licensed_since": "2004-03-10", "locality": "West Perth WA 6005", "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/ebm-rentcover/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/ebm-rentcover.json" }, { "slug": "everyday-insurance", "name": "Everyday Insurance", "website": "https://www.woolworths.com.au/insurance", "kind": "brand", "underwriter": "The Hollard Insurance Company Pty Ltd", "underwriter_abn": "78090584473", "underwriter_afsl": "241436", "lloyds": false, "distributor": { "name": "Woolworths Group Limited (Everyday Insurance from Woolworths)", "abn": "88000014675", "afsl": null, "authorised_representative_no": "245476" }, "products": [ { "name": "Everyday Insurance (Woolworths) Home Insurance (building cover)", "type": "home_building", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [ "Standard", "Comprehensive" ], "eligibility": null, "states": null, "documents": [ { "title": "Home Insurance Product Disclosure Statement", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf", "date": "2026-07-01" }, { "title": "Home Key Facts Sheet", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_BuildingKeyFactSheet.pdf", "date": null }, { "title": "Target Market Determination", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday-HomeInsurance-TargetMarketDetermination-May26.pdf", "date": null } ], "quotes": { "product": { "text": "The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL no. 241436 (we) has sole responsibility for the Product Disclosure Statement", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL no. 241436 (we) has sole responsibility for the Product Disclosure Statement", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf#page=2", "page": 2, "document_sha256": "a0d70c1ffd350d2398a9620f4b6bc7948785b9c8d76420fa962b0a2be56becd7", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy’s Home/Building Cover you set the maximum level of cover and your payout is limited to that amount (sum insured).", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_BuildingKeyFactSheet.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Under this policy’s Home/Building Cover you set the maximum level of cover and your payout is limited to that amount (sum insured).", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_BuildingKeyFactSheet.pdf#page=1", "page": 1, "document_sha256": "03349513d61d46ce0e13a0216a92029826bd314f16a6ec4df9a85399df1429f7", "confirmed": "2026-11-13" } }, "flood": { "text": "You are covered for loss or damage to your building or contents (as applicable) caused by Storm, rainwater and flood", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "You are covered for loss or damage to your building or contents (as applicable) caused by Storm, rainwater and flood", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf#page=15", "page": 15, "document_sha256": "a0d70c1ffd350d2398a9620f4b6bc7948785b9c8d76420fa962b0a2be56becd7", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "accidental damage under this Insured event if you have selected Standard building and/or contents cover.", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "accidental damage under this Insured event if you have selected Standard building and/or contents cover.", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf#page=12", "page": 12, "document_sha256": "a0d70c1ffd350d2398a9620f4b6bc7948785b9c8d76420fa962b0a2be56becd7", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "your building being unoccupied for longer than 60 consecutive days. This exclusion will not apply to loss or damage caused by lightning or earthquake that occurs during the period of time in which the building is unoccupied;", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "your building being unoccupied for longer than 60 consecutive days. This exclusion will not apply to loss or damage caused by lightning or earthquake that occurs during the period of time in which the building is unoccupied;", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf#page=41", "page": 41, "document_sha256": "a0d70c1ffd350d2398a9620f4b6bc7948785b9c8d76420fa962b0a2be56becd7", "confirmed": "2026-11-13" } } }, "conditions": [ "Accidental damage is covered only on the higher level (Comprehensive); the lower level (Standard) excludes it.", "Flood is part of the 'Storm, rainwater and flood' insured event." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": "lightning, earthquake", "must_tell": true, "conditions": "Unoccupied means nobody living and sleeping there or not furnished. Keep it in a lived-in state; tell the insurer beforehand and it decides whether to continue cover.", "then": null, "label": "No cover after 60 days (a few events excepted)" }, "id": "woolworths-home-insurance-building-cover", "type_label": "Home building", "issuers": [ { "name": "The Hollard Insurance Company Pty Ltd", "abn": "78090584473", "afsl": "241436", "lloyds": false, "slug": "hollard-insurance", "apra": { "status": "authorised", "name": "Hollard Insurance Company Pty Ltd (The)", "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": "241436", "name": "THE HOLLARD INSURANCE COMPANY PTY LTD", "abn": "78090584473", "acn": null, "licensed_since": "2004-03-11", "locality": "North Sydney NSW 2060", "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": "Everyday Insurance (Woolworths) Landlords Insurance (building cover)", "type": "landlord", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Landlords Insurance Product Disclosure Statement", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Landlords/UsefulDocumentsLandlords/Everyday_Landlords_Insurance_PDS-Jul-26.pdf", "date": "2026-07-01" } ], "quotes": { "product": { "text": "The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL no. 241436 (we) has sole responsibility for the Product Disclosure Statement", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Landlords/UsefulDocumentsLandlords/Everyday_Landlords_Insurance_PDS-Jul-26.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL no. 241436 (we) has sole responsibility for the Product Disclosure Statement", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Landlords/UsefulDocumentsLandlords/Everyday_Landlords_Insurance_PDS-Jul-26.pdf#page=2", "page": 2, "document_sha256": "96b419204a8a56d993ae163eae92495f97aafad4fc7e4a025f8231465c96e702", "confirmed": "2026-11-13" } }, "flood": { "text": "against loss or damage caused by fire and explosion; malicious damage; theft; storm, rainwater and flood; accidental glass breakage", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Landlords/UsefulDocumentsLandlords/Everyday_Landlords_Insurance_PDS-Jul-26.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "against loss or damage caused by fire and explosion; malicious damage; theft; storm, rainwater and flood; accidental glass breakage", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Landlords/UsefulDocumentsLandlords/Everyday_Landlords_Insurance_PDS-Jul-26.pdf#page=5", "page": 5, "document_sha256": "96b419204a8a56d993ae163eae92495f97aafad4fc7e4a025f8231465c96e702", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "your building being unoccupied for longer than 60 consecutive days. This exclusion will not apply to loss or damage caused by lightning or earthquake that occurs during the period of time in which the building is unoccupied;", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Landlords/UsefulDocumentsLandlords/Everyday_Landlords_Insurance_PDS-Jul-26.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "your building being unoccupied for longer than 60 consecutive days. This exclusion will not apply to loss or damage caused by lightning or earthquake that occurs during the period of time in which the building is unoccupied;", "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Landlords/UsefulDocumentsLandlords/Everyday_Landlords_Insurance_PDS-Jul-26.pdf#page=29", "page": 29, "document_sha256": "96b419204a8a56d993ae163eae92495f97aafad4fc7e4a025f8231465c96e702", "confirmed": "2026-11-13" } } }, "conditions": [], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": "lightning, earthquake", "must_tell": true, "conditions": "Keep it in a lived-in state; tell the insurer beforehand and it decides whether to continue cover. 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The Hollard partner-brand page (hollard.com.au/insurance-partners/partner-brands) lists Everyday, Real, Australian Seniors and CBA as its brands. Key facts sheet date not stated on the document read.", "segments": [ "residential" ], "issuers": [ { "name": "The Hollard Insurance Company Pty Ltd", "abn": "78090584473", "afsl": "241436", "lloyds": false, "slug": "hollard-insurance", "apra": { "status": "authorised", "name": "Hollard Insurance Company Pty Ltd (The)", "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": "241436", "name": "THE HOLLARD INSURANCE COMPANY PTY LTD", "abn": "78090584473", "acn": null, "licensed_since": "2004-03-11", "locality": "North Sydney NSW 2060", "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": 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"buffer_percent": null, "flood": "included_can_remove", "accidental_damage": null, "levels": [ "Flex Essential", "Flex Plus" ], "eligibility": "Bodies corporate / owners corporations of residential strata property with less than 20% of floor space used commercially.", "states": null, "documents": [ { "title": "Residential Strata PDS (October 2023, QBE edition)", "url": "https://flexinsurance.com.au/assets/Documents/Flex_ResidentialStrataPDS_1023.pdf", "date": "2023-10-01" }, { "title": "Flexible Residential Strata TMD (effective 1 July 2026)", "url": "https://flexinsurance.com.au/assets/Documents/Flex_FlexibleResidentialStrata_TMD_072026.pdf", "date": "2026-07-01" }, { "title": "Supplementary PDS (1 January 2026)", "url": "https://flexinsurance.com.au/assets/Flexible-Residential-Strata-Plan-Insurance_SPDS_01012026-2.pdf", "date": "2026-01-01" } ], "quotes": { "product": { "text": "Flex gives you the freedom to tailor your residential strata insurance to suit your building’s needs and budget.", "url": "https://flexinsurance.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flex gives you the freedom to tailor your residential strata insurance to suit your building’s needs and budget.", "url": "https://flexinsurance.com.au/#:~:text=Flex%20gives%20you%20the%20freedom,your%20building%E2%80%99s%20needs%20and%20budget.", "document_sha256": "e3c5a1564f644eaad901e05d04ed3d9b2c2c137f0f5cc959c4b7fdbf627e0d33", "confirmed": "2026-11-13" } }, "channel": { "text": "This product can only be sold by CHUiSAVER Underwriting Agency Pty Ltd ABN 85 613 645 239 (AFS Licence No: 491113) trading as Flex Insurance via an authorised representative, an insurance broker or can be sold directly to the public.", "url": "https://flexinsurance.com.au/assets/Documents/Flex_FlexibleResidentialStrata_TMD_072026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This product can only be sold by CHUiSAVER Underwriting Agency Pty Ltd ABN 85 613 645 239 (AFS Licence No: 491113) trading as Flex Insurance via an authorised representative, an insurance broker or can be sold directly to the public.", "url": "https://flexinsurance.com.au/assets/Documents/Flex_FlexibleResidentialStrata_TMD_072026.pdf#page=3", "page": 3, "document_sha256": "3950128bf56d22899eac8c2ab1c8a7305a58a81ea1e80bcb5edafc5a77089268", "confirmed": "2026-11-13" } }, "flood": { "text": "We provide cover for Damage to Your Insured Property for Flood unless endorsed otherwise in the Schedule.", "url": "https://flexinsurance.com.au/assets/Documents/Flex_ResidentialStrataPDS_1023.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We provide cover for Damage to Your Insured Property for Flood unless endorsed otherwise in the Schedule.", "url": "https://flexinsurance.com.au/assets/Documents/Flex_ResidentialStrataPDS_1023.pdf#page=6", "page": 6, "document_sha256": "1c2ba05b1068a8e6344522656524b774ea5f836dd3a94a88447f7561bf0732b4", "confirmed": "2026-11-13" } }, "eligibility": { "text": "where less than 20% of the floor space is used for commercial purposes.", "url": "https://flexinsurance.com.au/assets/Documents/Flex_FlexibleResidentialStrata_TMD_072026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "where less than 20% of the floor space is used for commercial purposes.", "url": "https://flexinsurance.com.au/assets/Documents/Flex_FlexibleResidentialStrata_TMD_072026.pdf#page=2", "page": 2, "document_sha256": "3950128bf56d22899eac8c2ab1c8a7305a58a81ea1e80bcb5edafc5a77089268", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "An Excess of $2,500 will apply to Section 1 claims if 50% or more of the available Lots/Units are unoccupied at the time of loss.", "url": "https://flexinsurance.com.au/assets/Documents/Flex_ResidentialStrataPDS_1023.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "An Excess of $2,500 will apply to Section 1 claims if 50% or more of the available Lots/Units are unoccupied at the time of loss.", "url": "https://flexinsurance.com.au/assets/Documents/Flex_ResidentialStrataPDS_1023.pdf#page=52", "page": 52, "document_sha256": "1c2ba05b1068a8e6344522656524b774ea5f836dd3a94a88447f7561bf0732b4", "confirmed": "2026-11-13" } } }, "conditions": [ "The 2026 TMD (policy ref AX 00010825) names certain underwriters at Lloyd's; the October 2023 PDS names QBE. Check which edition applies." ], "unoccupied": { "days": null, "effect": "extra_excess", "excess": 2500, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "No day count: applies to Section 1 claims when 50% or more of the available lots are unoccupied at the time of loss.", "then": null, "label": "Extra $2,500 excess" }, "id": "flexible-residential-strata-plan-insurance-flex", "type_label": "Residential strata", "issuers": [ { "name": "Certain underwriters at Lloyd's", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null }, { "name": "QBE Insurance (Australia) Limited", "abn": "78003191035", "afsl": "239545", "lloyds": false, "slug": "qbe-insurance-australia", "apra": { "status": "authorised", "name": "QBE Insurance (Australia) 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": "239545", "name": "QBE INSURANCE (AUSTRALIA) LIMITED", "abn": "78003191035", "acn": null, "licensed_since": "2004-03-10", "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": "Flex Complex Strata Insurance", "type": "commercial_strata", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": null, "levels": [], "eligibility": "Residential, mixed-use and commercial strata buildings that cannot get cover elsewhere because of complex risks (cladding, defects, high-risk occupancies, alpine locations); brokers only.", "states": null, "documents": [ { "title": "Complex Strata PDS (1 October 2025)", "url": "https://flexinsurance.com.au/assets/Documents/FlexComplexStrata_PDS_01102025.pdf", "date": "2025-10-01" }, { "title": "Complex Strata TMD (1 October 2025)", "url": "https://flexinsurance.com.au/assets/Documents/Flex-Complex-Strata-Insurance-TMD_01.10.2025.pdf", "date": "2025-10-01" } ], "quotes": { "product": { "text": "Flex Complex Strata Insurance offer specialist solutions for eligible residential, mixed use and commercial strata properties.", "url": "https://flexinsurance.com.au/complex-strata", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flex Complex Strata Insurance offer specialist solutions for eligible residential, mixed use and commercial strata properties.", "url": "https://flexinsurance.com.au/complex-strata#:~:text=Flex%20Complex%20Strata%20Insurance%20offer,use%20and%20commercial%20strata%20properties.", "document_sha256": "02189776289eb6b9ed17be929a3939ac026cba50aa3b92b1f3c004a3b1259e76", "confirmed": "2026-11-13" } }, "channel": { "text": "This Product can only be sold by Flex Insurance via an insurance broker", "url": "https://flexinsurance.com.au/assets/Documents/Flex-Complex-Strata-Insurance-TMD_01.10.2025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product can only be sold by Flex Insurance via an insurance broker", "url": "https://flexinsurance.com.au/assets/Documents/Flex-Complex-Strata-Insurance-TMD_01.10.2025.pdf#page=3", "page": 3, "document_sha256": "168aa9b5a0bd942c6f3d111ed6bafd8f42fa99aa76d6f20f974fc15b95330eea", "confirmed": "2026-11-13" } }, "flood": { "text": "We provide cover for Damage to Your Insured Property by Flood unless excluded in the Schedule.", "url": "https://flexinsurance.com.au/assets/Documents/FlexComplexStrata_PDS_01102025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We provide cover for Damage to Your Insured Property by Flood unless excluded in the Schedule.", "url": "https://flexinsurance.com.au/assets/Documents/FlexComplexStrata_PDS_01102025.pdf#page=4", "page": 4, "document_sha256": "d5ab3351e80727bf45598cbb83f975702deb43d2d93ce00dd183d97dcce08d9b", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Complex Strata Insurance Cover for High-Risk Buildings is only available for eligible residential, mixed use and commercial strata properties that have challenges obtaining strata insurance due to complex risk factors.", "url": "https://flexinsurance.com.au/complex-strata", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Complex Strata Insurance Cover for High-Risk Buildings is only available for eligible residential, mixed use and commercial strata properties that have challenges obtaining strata insurance due to complex risk factors.", "url": "https://flexinsurance.com.au/complex-strata#:~:text=Complex%20Strata%20Insurance%20Cover%20for,due%20to%20complex%20risk%20factors.", "document_sha256": "02189776289eb6b9ed17be929a3939ac026cba50aa3b92b1f3c004a3b1259e76", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "An Excess of $5,000 will apply to Section 1 – Insured Property claims if 50% or more of the available Lots/Units are unoccupied at the time of loss.", "url": "https://flexinsurance.com.au/assets/Documents/FlexComplexStrata_PDS_01102025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "An Excess of $5,000 will apply to Section 1 – Insured Property claims if 50% or more of the available Lots/Units are unoccupied at the time of loss.", "url": "https://flexinsurance.com.au/assets/Documents/FlexComplexStrata_PDS_01102025.pdf#page=30", "page": 30, "document_sha256": "d5ab3351e80727bf45598cbb83f975702deb43d2d93ce00dd183d97dcce08d9b", "confirmed": "2026-11-13" } } }, "conditions": [ "Covers residential, mixed-use and commercial schemes; listed as commercial_strata because it is the only Flex product for commercial/mixed-use." ], "unoccupied": { "days": null, "effect": "extra_excess", "excess": 5000, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "No day count: applies to Section 1 claims when 50% or more of the available lots are unoccupied at the time of loss.", "then": null, "label": "Extra $5,000 excess" }, "id": "complex-strata-insurance", "type_label": "Commercial strata", "issuers": [ { "name": "Certain underwriters at Lloyd's", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null }, { "name": "QBE Insurance (Australia) Limited", "abn": "78003191035", "afsl": "239545", "lloyds": false, "slug": "qbe-insurance-australia", "apra": { "status": "authorised", "name": "QBE Insurance (Australia) 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": "239545", "name": "QBE INSURANCE (AUSTRALIA) LIMITED", "abn": "78003191035", "acn": null, "licensed_since": "2004-03-10", "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": "CHUiSAVER Underwriting Agency Pty Ltd (ABN 85 613 645 239, AFSL 491113) trading as Flex Insurance acts under a binding authority as an agent for certain underwriters at Lloyd’s and QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545), the insurers of the products.", "url": "https://flexinsurance.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "CHUiSAVER Underwriting Agency Pty Ltd (ABN 85 613 645 239, AFSL 491113) trading as Flex Insurance acts under a binding authority as an agent for certain underwriters at Lloyd’s and QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545), the insurers of the products.", "url": "https://flexinsurance.com.au/#:~:text=CHUiSAVER%20Underwriting%20Agency%20Pty%20Ltd,the%20insurers%20of%20the%20products.", "document_sha256": "e3c5a1564f644eaad901e05d04ed3d9b2c2c137f0f5cc959c4b7fdbf627e0d33", "confirmed": "2026-11-13" } } }, "curation_notes": "Flex is a CHU subsidiary. The site names both Lloyd's and QBE; the Complex Strata TMD names Lloyd's, the October 2023 residential PDS names QBE, and the 2026 residential TMD names Lloyd's. QBE ABN 78003191035 / AFSL 239545 is the other named insurer.", "panel": [ { "underwriter": "Certain underwriters at Lloyd's", "lloyds": true }, { "underwriter": "QBE Insurance (Australia) Limited", "underwriter_abn": "78003191035", "underwriter_afsl": "239545" } ], "segments": [ "residential", "commercial" ], "issuers": [ { "name": "Certain underwriters at Lloyd's", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null }, { "name": "QBE Insurance (Australia) Limited", "abn": "78003191035", "afsl": "239545", "lloyds": false, "slug": "qbe-insurance-australia", "apra": { "status": "authorised", "name": "QBE Insurance (Australia) 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": "239545", "name": "QBE INSURANCE (AUSTRALIA) LIMITED", "abn": "78003191035", "acn": null, "licensed_since": "2004-03-10", "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": "491113", "name": "CHUISAVER UNDERWRITING AGENCY PTY LTD", "abn": "85613645239", "acn": null, "licensed_since": "2016-11-14", "locality": "North Sydney NSW 2060", "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/flex/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/flex.json" }, { "slug": "fm", "name": "FM", "website": "https://www.fm.com/", "kind": "insurer", "underwriter": "Factory Mutual Insurance Company", "underwriter_abn": null, "underwriter_afsl": null, "lloyds": false, "distributor": null, "products": [ { "name": "FM Essential (manufacturing commercial property)", "type": "industrial_property", "segment": "industrial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Manufacturing companies with a medium-risk complexity profile.", "states": null, "documents": [], "quotes": { "product": { "text": "Through FM Essential, brokers gain a distinct placement advantage for manufacturing risks, helping them deepen client relationships by supporting long term resilience", "url": "https://www.fm.com/About-Us/Our-Organization/Essential", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Through FM Essential, brokers gain a distinct placement advantage for manufacturing risks, helping them deepen client relationships by supporting long term resilience", "url": "https://www.fm.com/About-Us/Our-Organization/Essential#:~:text=Through%20FM%20Essential%2C%20brokers%20gain,by%20supporting%20long%20term%20resilience", "document_sha256": "5f07d9c1db59f8f5a60335f507921869ef21ba9fd603f184174271d79aa1ee9e", "confirmed": "2026-11-13" } }, "channel": { "text": "Offered through FM's broker partners, FM Essential is initially designed to serve manufacturing companies with a medium-risk complexity profile.", "url": "https://www.fm.com/newsroom/news/2026/resilience-is-essential-fm-launches-new-insurance-policy-for-manufacturers", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Offered through FM's broker partners, FM Essential is initially designed to serve manufacturing companies with a medium-risk complexity profile.", "url": "https://www.fm.com/newsroom/news/2026/resilience-is-essential-fm-launches-new-insurance-policy-for-manufacturers#:~:text=Offered%20through%20FM%27s%20broker%20partners%2C,with%20a%20medium%2Drisk%20complexity%20profile.", "document_sha256": "82403f5f095b93b19bf2e6a43ceb635a32f8103e9ee9be508a1f850c3d3499be", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Offered through FM's broker partners, FM Essential is initially designed to serve manufacturing companies with a medium-risk complexity profile.", "url": "https://www.fm.com/newsroom/news/2026/resilience-is-essential-fm-launches-new-insurance-policy-for-manufacturers", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Offered through FM's broker partners, FM Essential is initially designed to serve manufacturing companies with a medium-risk complexity profile.", "url": "https://www.fm.com/newsroom/news/2026/resilience-is-essential-fm-launches-new-insurance-policy-for-manufacturers#:~:text=Offered%20through%20FM%27s%20broker%20partners%2C,with%20a%20medium%2Drisk%20complexity%20profile.", "document_sha256": "82403f5f095b93b19bf2e6a43ceb635a32f8103e9ee9be508a1f850c3d3499be", "confirmed": "2026-11-13" } } }, "conditions": [ "Australia launched FM Essential in the first quarter of 2026.", "FM's core commercial property policy (all-risk, mutual client-owners) is also written in Australia but no Australian wording or minimum is published." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "essential-manufacturing-commercial-property", "type_label": "Industrial property", "issuers": [ { "name": "Factory Mutual Insurance Company", "abn": null, "afsl": null, "lloyds": false, "slug": "factory-mutual-insurance", "apra": { "status": "authorised", "name": "Factory Mutual Insurance Company", "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] } ], "quotes": { "underwriter": { "text": "Factory Mutual Insurance Company (“FMIC”) is a leading commercial property insurance company that forms long term partnerships with its clients to support risk management objectives through a unique combination of engineering, underwriting and claims activities.", "url": "https://www.fm.com/-/media/project/publicwebsites/fm/files/office-locations/australia---remuneration-disclosure-statement-2025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Factory Mutual Insurance Company (“FMIC”) is a leading commercial property insurance company that forms long term partnerships with its clients to support risk management objectives through a unique combination of engineering, underwriting and claims activities.", "url": "https://www.fm.com/-/media/project/publicwebsites/fm/files/office-locations/australia---remuneration-disclosure-statement-2025.pdf#page=2", "page": 2, "document_sha256": "ac996889aa94757df3a76a5ebc83927a44fbb2b7b6765172249cd4c7819c827f", "confirmed": "2026-11-13" } }, "australia": { "text": "Commercial property insurer FM today announced that it has opened an office in Perth to provide local services to its mutual client owners and broker partners in Western Australia.", "url": "https://www.fm.com/uk/insights/fm-expands-presence-in-australia-with-new-western-australia-office", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Commercial property insurer FM today announced that it has opened an office in Perth to provide local services to its mutual client owners and broker partners in Western Australia.", "url": "https://www.fm.com/uk/insights/fm-expands-presence-in-australia-with-new-western-australia-office#:~:text=Commercial%20property%20insurer%20FM%20today,broker%20partners%20in%20Western%20Australia.", "document_sha256": "ab247b291f9c000f7043b026d275261b3de2ac227f36dd50d93c8ebf1e3479d6", "confirmed": "2026-11-13" } } }, "curation_notes": "The Australian legal entity, ABN and AFSL were not found on fm.com; left null. fm.com returns 403 to curl; read via headless browser.", "segments": [ "industrial" ], "issuers": [ { "name": "Factory Mutual Insurance Company", "abn": null, "afsl": null, "lloyds": false, "slug": "factory-mutual-insurance", "apra": { "status": "authorised", "name": "Factory Mutual Insurance Company", "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ], "distributor_licence": null, "page": "https://deepalmanac.com/au/insurance/building/fm/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/fm.json" }, { "slug": "gio", "name": "GIO", "website": "https://www.gio.com.au/", "kind": "brand", "underwriter": "AAI Limited", "underwriter_abn": "48005297807", "underwriter_afsl": "230859", "lloyds": false, "distributor": null, "products": [ { "name": "GIO Home & Contents Insurance (home building cover)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "choice", "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [ "Classic", "Classic Extras", "Platinum" ], "eligibility": "Owner-occupied homes (principal residence or holiday home) with the insured address in NSW, ACT, VIC, WA or NT; not for landlords' tenanted properties.", "states": [ "NSW", "ACT", "VIC", "WA", "NT" ], "documents": [ { "title": "Home & Contents Insurance Product Disclosure Statement (prepared 31 January 2025)", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-pds-12318-24-05-25-a.pdf", "date": "2025-01-31" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-building-kfs-g30033a-24-05-25-a.pdf", "date": "2025-01-31" }, { "title": "Target Market Determination - Home and Contents Insurance", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-tmd-31511-27-06-25-a-lr.pdf", "date": "2025-06-27" }, { "title": "Home & Contents Insurance Additional Information Guide", "url": "https://www.gio.com.au/documents/home-and-contents/home/gio-home-contents-aig-16953-01-08-26-a-lr.pdf", "date": "2026-08-01" } ], "quotes": { "product": { "text": "There are three levels of cover to choose from: Classic, Classic Extras and Platinum.", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-pds-12318-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "There are three levels of cover to choose from: Classic, Classic Extras and Platinum.", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-pds-12318-24-05-25-a.pdf#page=6", "page": 6, "document_sha256": "a213aed2378c48e66287f9bb53ff01326a7b6af0b40b97c3e2954bd87c7126ac", "confirmed": "2026-11-13" } }, "channel": { "text": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres; – GIO Agencies;", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-tmd-31511-27-06-25-a-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres; – GIO Agencies;", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-tmd-31511-27-06-25-a-lr.pdf#page=7", "page": 7, "document_sha256": "32d9c492d3b630618bca7bf97f384554446d0179ad6602cda4645e5aaec1bdd5", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Safety net home protection (Home building cover only) Optional 25% included 30% included", "url": "https://www.gio.com.au/home-insurance/home-building.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Safety net home protection (Home building cover only) Optional 25% included 30% included", "url": "https://www.gio.com.au/home-insurance/home-building.html#:~:text=Safety%20net%20home%20protection%20%28Home,Optional%2025%25%20included%2030%25%20included", "document_sha256": "8c3a652dce5ec25029bcbde6bcc1f31bc123c4d60b13560e5204adff442f2630", "confirmed": "2026-11-13" } }, "flood": { "text": "Loss or damage caused by flood.", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-pds-12318-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Loss or damage caused by flood.", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-pds-12318-24-05-25-a.pdf#page=43", "page": 43, "document_sha256": "a213aed2378c48e66287f9bb53ff01326a7b6af0b40b97c3e2954bd87c7126ac", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Depending on the level of cover purchased accidental damage is optional or automatically included in this policy.", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-building-kfs-g30033a-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Depending on the level of cover purchased accidental damage is optional or automatically included in this policy.", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-building-kfs-g30033a-24-05-25-a.pdf#page=1", "page": 1, "document_sha256": "67f9b59f1aec6bfac5140ffa3f92f70e1a46d8bf0e0b3753b8213a284d234745", "confirmed": "2026-11-13" } }, "eligibility": { "text": "GIO products are also targeted at customers who have an insured address that is located within an acceptable State or Territory (NSW, ACT, VIC, WA and NT).", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-tmd-31511-27-06-25-a-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "GIO products are also targeted at customers who have an insured address that is located within an acceptable State or Territory (NSW, ACT, VIC, WA and NT).", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-tmd-31511-27-06-25-a-lr.pdf#page=2", "page": 2, "document_sha256": "32d9c492d3b630618bca7bf97f384554446d0179ad6602cda4645e5aaec1bdd5", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the home or unit hasn’t been occupied for more than 60 continuous days.", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-pds-12318-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the home or unit hasn’t been occupied for more than 60 continuous days.", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-pds-12318-24-05-25-a.pdf#page=17", "page": 17, "document_sha256": "a213aed2378c48e66287f9bb53ff01326a7b6af0b40b97c3e2954bd87c7126ac", "confirmed": "2026-11-13" } }, "unoccupied_excess": { "text": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the home or unit hasn’t been occupied for more than 60 continuous days", "url": "https://www.gio.com.au/documents/home-and-contents/home/gio-home-contents-aig-16953-01-08-26-a-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the home or unit hasn’t been occupied for more than 60 continuous days", "url": "https://www.gio.com.au/documents/home-and-contents/home/gio-home-contents-aig-16953-01-08-26-a-lr.pdf#page=2", "page": 2, "document_sha256": "ceca229ff1a04a298c635e744653758282dd4d450b55ab5640370f8e2ed20228", "confirmed": "2026-11-13" } } }, "conditions": [ "Sum insured basis: you choose the home sum insured. Safety net home protection pays up to a further 25% (Classic, optional; Classic Extras, included) or 30% (Platinum, included) of the home sum insured and does not increase the sum insured.", "Accidental damage at home is optional on Classic and automatically included on Classic Extras and Platinum.", "Flood is an insured event in the PDS; the PDS does not offer removing it. Actions or movements of the sea and storm surge are not covered as flood.", "Building cover is sold within the Home & Contents PDS (home, contents or both)." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1000, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Occupied means furnished, someone eating and sleeping there, and utilities connected.", "then": null, "label": "Extra $1,000 excess after 60 days" }, "id": "home-contents-insurance-home-building-cover", "type_label": "Home building", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "GIO Landlord Insurance (property cover)", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured_buffer", "buffer_percent": 25, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": "Owners of an investment (tenanted) property; insured address must be in NSW, ACT, VIC, WA or NT.", "states": [ "NSW", "ACT", "VIC", "WA", "NT" ], "documents": [ { "title": "Landlord Insurance Product Disclosure Statement (prepared 31 January 2025)", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-pds-22217-24-05-25-a.pdf", "date": "2025-01-31" }, { "title": "Supplementary PDS - Landlord Insurance (prepared 2 July 2026)", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-spds-041126.pdf", "date": "2026-07-02" }, { "title": "Target Market Determination - Landlord Insurance", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-tmd-31513-27-06-25-a-lr.pdf", "date": "2025-06-27" }, { "title": "Landlord Insurance Additional Information Guide", "url": "https://www.gio.com.au/documents/home-and-contents/landlord/gio-landlord-aig-17169-01-08-26-a-lr.pdf", "date": "2026-08-01" } ], "quotes": { "product": { "text": "Landlord Property Insurance Covers the property and permanent fixtures and fittings.", "url": "https://www.gio.com.au/home-insurance/landlord.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Landlord Property Insurance Covers the property and permanent fixtures and fittings.", "url": "https://www.gio.com.au/home-insurance/landlord.html#:~:text=Landlord%20Property%20Insurance%20Covers%20the,and%20permanent%20fixtures%20and%20fittings.", "document_sha256": "66097afaa2fbf96bed688be07e798f93e8ae1c37f81eba99500ca5fdaa4a94c7", "confirmed": "2026-11-13" } }, "channel": { "text": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres; – GIO Agencies;", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-tmd-31513-27-06-25-a-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres; – GIO Agencies;", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-tmd-31513-27-06-25-a-lr.pdf#page=6", "page": 6, "document_sha256": "f18d28842d0bfa171149d646ee6b8fdba702f590c47009de3c32a688e494c792", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "we’ll pay up to a further 25% of the property sum insured towards either:", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-pds-22217-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "we’ll pay up to a further 25% of the property sum insured towards either:", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-pds-22217-24-05-25-a.pdf#page=61", "page": 61, "document_sha256": "ec5bf8a2ea2909bf4488acce364a7479b5e225246c64dfbfd1073fdca0e47a5f", "confirmed": "2026-11-13" } }, "flood": { "text": "Loss or damage caused by flood.", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-pds-22217-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Loss or damage caused by flood.", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-pds-22217-24-05-25-a.pdf#page=38", "page": 38, "document_sha256": "ec5bf8a2ea2909bf4488acce364a7479b5e225246c64dfbfd1073fdca0e47a5f", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Add optional covers for an additional premium, like motor burnout and accidental damage at the property", "url": "https://www.gio.com.au/home-insurance/landlord.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Add optional covers for an additional premium, like motor burnout and accidental damage at the property", "url": "https://www.gio.com.au/home-insurance/landlord.html#:~:text=Add%20optional%20covers%20for%20an,accidental%20damage%20at%20the%20property", "document_sha256": "66097afaa2fbf96bed688be07e798f93e8ae1c37f81eba99500ca5fdaa4a94c7", "confirmed": "2026-11-13" } }, "eligibility": { "text": "GIO products are also targeted at customers who have an insured address that is located within an acceptable State or Territory (NSW, ACT, VIC, WA and NT).", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-tmd-31513-27-06-25-a-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "GIO products are also targeted at customers who have an insured address that is located within an acceptable State or Territory (NSW, ACT, VIC, WA and NT).", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-tmd-31513-27-06-25-a-lr.pdf#page=2", "page": 2, "document_sha256": "f18d28842d0bfa171149d646ee6b8fdba702f590c47009de3c32a688e494c792", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the property or unit hasn’t been occupied for more than 60 continuous days.", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-pds-22217-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the property or unit hasn’t been occupied for more than 60 continuous days.", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-pds-22217-24-05-25-a.pdf#page=17", "page": 17, "document_sha256": "ec5bf8a2ea2909bf4488acce364a7479b5e225246c64dfbfd1073fdca0e47a5f", "confirmed": "2026-11-13" } }, "unoccupied_excess": { "text": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the property or unit hasn’t been occupied for more than 60 continuous days", "url": "https://www.gio.com.au/documents/home-and-contents/landlord/gio-landlord-aig-17169-01-08-26-a-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the property or unit hasn’t been occupied for more than 60 continuous days", "url": "https://www.gio.com.au/documents/home-and-contents/landlord/gio-landlord-aig-17169-01-08-26-a-lr.pdf#page=2", "page": 2, "document_sha256": "dcabd372507ae8c1cf5762f1133db774434a58b4905a93d5acf6a356a6027337", "confirmed": "2026-11-13" } } }, "conditions": [ "Sum insured basis with Safety net protection (property cover only): up to a further 25% of the property sum insured, which does not increase the sum insured. In the PDS it is listed with the additional covers, not the optional covers.", "Accidental damage at the property is an optional extra (extra premium).", "No cover for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of cover (very limited exceptions)." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1000, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Occupied means furnished, someone eating and sleeping there, and utilities connected, so a vacancy between tenants counts.", "then": null, "label": "Extra $1,000 excess after 60 days" }, "id": "landlord-insurance-property-cover", "type_label": "Landlord", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "GIO Business Protect (Policy Section 1 - Property damage)", "type": "business_property", "segment": "commercial", "channel": "direct", "online_quote": true, "cover_basis": null, "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": "Australian-based businesses with turnover under $10m a year, in occupations GIO accepts, that have buildings, contents or stock at the premises.", "states": null, "documents": [ { "title": "Product Disclosure Statement and Policy Wording", "url": "https://www.gio.com.au/documents/business/business-protect/gio-business-protect-pds-120824.pdf", "date": "2024-08-12" }, { "title": "Flood Supplementary PDS", "url": "https://www.gio.com.au/documents/business/business-protect/32118-071223-a-gio-business-flood-spds.pdf", "date": "2023-12-07" }, { "title": "Target Market Determination", "url": "https://www.gio.com.au/documents/business/business-protect/31458-25-06-25-gio-business-protect-tmd.pdf", "date": "2025-06-25" } ], "quotes": { "product": { "text": "Cover for property that can be insured and includes the buildings, contents and stock that the Customer uses or is responsible for as part of the Customer’s business.", "url": "https://www.gio.com.au/documents/business/business-protect/31458-25-06-25-gio-business-protect-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for property that can be insured and includes the buildings, contents and stock that the Customer uses or is responsible for as part of the Customer’s business.", "url": "https://www.gio.com.au/documents/business/business-protect/31458-25-06-25-gio-business-protect-tmd.pdf#page=3", "page": 3, "document_sha256": "71142c17f327c864fde569c95115db2f0657d42aa1c97de5c7b022f22a0db5ec", "confirmed": "2026-11-13" } }, "channel": { "text": "distribution channels: websites and contact centres;", "url": "https://www.gio.com.au/documents/business/business-protect/31458-25-06-25-gio-business-protect-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "distribution channels: websites and contact centres;", "url": "https://www.gio.com.au/documents/business/business-protect/31458-25-06-25-gio-business-protect-tmd.pdf#page=6", "page": 6, "document_sha256": "71142c17f327c864fde569c95115db2f0657d42aa1c97de5c7b022f22a0db5ec", "confirmed": "2026-11-13" } }, "online_quote": { "text": "distribution channels: websites and contact centres;", "url": "https://www.gio.com.au/documents/business/business-protect/31458-25-06-25-gio-business-protect-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "distribution channels: websites and contact centres;", "url": "https://www.gio.com.au/documents/business/business-protect/31458-25-06-25-gio-business-protect-tmd.pdf#page=6", "page": 6, "document_sha256": "71142c17f327c864fde569c95115db2f0657d42aa1c97de5c7b022f22a0db5ec", "confirmed": "2026-11-13" } }, "flood": { "text": "The following additional Insured Event is added under the heading ‘Insured Events’ in this Policy Section: 12. Flood We cover LOSS or DAMAGE caused by FLOOD", "url": "https://www.gio.com.au/documents/business/business-protect/32118-071223-a-gio-business-flood-spds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The following additional Insured Event is added under the heading ‘Insured Events’ in this Policy Section: 12. Flood We cover LOSS or DAMAGE caused by FLOOD", "url": "https://www.gio.com.au/documents/business/business-protect/32118-071223-a-gio-business-flood-spds.pdf#page=1", "page": 1, "document_sha256": "fd5b11cb278313a6817e4f24c0d5d455911c0c77beb96515c278a54e73f0f86d", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Where your policy schedule shows that you have chosen to insure for “Accidental Damage”", "url": "https://www.gio.com.au/documents/business/business-protect/gio-business-protect-pds-120824.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Where your policy schedule shows that you have chosen to insure for “Accidental Damage”", "url": "https://www.gio.com.au/documents/business/business-protect/gio-business-protect-pds-120824.pdf#page=38", "page": 38, "document_sha256": "7ae09c6d1cdebebce7c8a7f932bcf92f6ecd2684b25e6a978cd5c299177b2f50", "confirmed": "2026-11-13" } }, "eligibility": { "text": "The GIO Business Protect Insurance Policy is designed for Customers who operate an Australian-based business with a turnover less than $10m a year.", "url": "https://www.gio.com.au/documents/business/business-protect/31458-25-06-25-gio-business-protect-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The GIO Business Protect Insurance Policy is designed for Customers who operate an Australian-based business with a turnover less than $10m a year.", "url": "https://www.gio.com.au/documents/business/business-protect/31458-25-06-25-gio-business-protect-tmd.pdf#page=4", "page": 4, "document_sha256": "71142c17f327c864fde569c95115db2f0657d42aa1c97de5c7b022f22a0db5ec", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.", "url": "https://www.gio.com.au/documents/business/business-protect/gio-business-protect-pds-120824.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.", "url": "https://www.gio.com.au/documents/business/business-protect/gio-business-protect-pds-120824.pdf#page=19", "page": 19, "document_sha256": "7ae09c6d1cdebebce7c8a7f932bcf92f6ecd2684b25e6a978cd5c299177b2f50", "confirmed": "2026-11-13" } } }, "conditions": [ "Property damage is one policy section; buildings are covered only if the section is shown on your schedule and you are the owner or responsible for the building.", "Accidental damage is an insured event only where chosen on the schedule, up to $250,000 or the total sums insured, whichever is less.", "Flood is covered through the December 2023 Flood SPDS, with a 72-hour waiting period from policy start or from adding or changing Policy Section 1." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Counts when unoccupied, or untenanted if you own the building. Unless GIO agreed in writing (may add premium, conditions or a higher excess).", "then": null, "label": "No cover after 60 days" }, "id": "business-protect-policy-section-1-property-damage", "type_label": "Business property", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "GIO Retail Business Protect (Policy Section 1 - Property damage)", "type": "business_property", "segment": "commercial", "channel": "direct", "online_quote": true, "cover_basis": null, "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": "Australian-based retail, accommodation and food businesses with turnover under $10m a year that have buildings, contents or stock at the premises.", "states": null, "documents": [ { "title": "Product Disclosure Statement and Policy Wording", "url": "https://www.gio.com.au/documents/business/retailer/gio-retail-business-protect-pds-120824.pdf", "date": "2024-08-12" }, { "title": "Flood Supplementary PDS", "url": "https://www.gio.com.au/documents/business/retailer/32121-071223-a-gio-retail-business-flood-spds.pdf", "date": "2023-12-07" }, { "title": "Target Market Determination", "url": "https://www.gio.com.au/documents/business/retailer/31461-25-06-25-gio-retail-business-tmd.pdf", "date": "2025-06-25" } ], "quotes": { "product": { "text": "Cover for property that can be insured and includes the buildings, contents and stock that the Customer uses or is responsible for as part of the Customer’s business.", "url": "https://www.gio.com.au/documents/business/retailer/31461-25-06-25-gio-retail-business-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for property that can be insured and includes the buildings, contents and stock that the Customer uses or is responsible for as part of the Customer’s business.", "url": "https://www.gio.com.au/documents/business/retailer/31461-25-06-25-gio-retail-business-tmd.pdf#page=3", "page": 3, "document_sha256": "f1676d6bdbc768dad2950d7b6860a736617f8ca95e88b6026370fc43ea1c6ab8", "confirmed": "2026-11-13" } }, "channel": { "text": "channels: websites; and contact centres;", "url": "https://www.gio.com.au/documents/business/retailer/31461-25-06-25-gio-retail-business-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "channels: websites; and contact centres;", "url": "https://www.gio.com.au/documents/business/retailer/31461-25-06-25-gio-retail-business-tmd.pdf#page=6", "page": 6, "document_sha256": "f1676d6bdbc768dad2950d7b6860a736617f8ca95e88b6026370fc43ea1c6ab8", "confirmed": "2026-11-13" } }, "online_quote": { "text": "channels: websites; and contact centres;", "url": "https://www.gio.com.au/documents/business/retailer/31461-25-06-25-gio-retail-business-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "channels: websites; and contact centres;", "url": "https://www.gio.com.au/documents/business/retailer/31461-25-06-25-gio-retail-business-tmd.pdf#page=6", "page": 6, "document_sha256": "f1676d6bdbc768dad2950d7b6860a736617f8ca95e88b6026370fc43ea1c6ab8", "confirmed": "2026-11-13" } }, "flood": { "text": "Insured events include flood, fire, storm, impact, lightning, explosion and earthquake.", "url": "https://www.gio.com.au/business-insurance/small-business/retail.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Insured events include flood, fire, storm, impact, lightning, explosion and earthquake.", "url": "https://www.gio.com.au/business-insurance/small-business/retail.html#:~:text=Insured%20events%20include%20flood%2C%20fire%2C,impact%2C%20lightning%2C%20explosion%20and%20earthquake.", "document_sha256": "e1214e44da84ccd6d8c0d0961eeb275844b5cdda7d30cb49430411c4475a4d8e", "confirmed": "2026-11-13" } }, "eligibility": { "text": "The GIO Retail Business Protect Insurance Policy is designed for Customers who operate an Australian-based retail or accommodation and food business with a turnover less than $10m a year.", "url": "https://www.gio.com.au/documents/business/retailer/31461-25-06-25-gio-retail-business-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The GIO Retail Business Protect Insurance Policy is designed for Customers who operate an Australian-based retail or accommodation and food business with a turnover less than $10m a year.", "url": "https://www.gio.com.au/documents/business/retailer/31461-25-06-25-gio-retail-business-tmd.pdf#page=4", "page": 4, "document_sha256": "f1676d6bdbc768dad2950d7b6860a736617f8ca95e88b6026370fc43ea1c6ab8", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.", "url": "https://www.gio.com.au/documents/business/retailer/gio-retail-business-protect-pds-120824.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.", "url": "https://www.gio.com.au/documents/business/retailer/gio-retail-business-protect-pds-120824.pdf#page=19", "page": 19, "document_sha256": "2abeb62b757db555350c765bde082d45aa600d5588f0a3f8e146a9fc7560f854", "confirmed": "2026-11-13" } } }, "conditions": [ "Property damage is one policy section; buildings are covered only if the section is shown on your schedule and you are the owner or responsible for the building.", "Retail PDS lists a sub-limited accidental damage cover only for home buildings used for business; accidental damage is not recorded for commercial buildings.", "Flood is listed among the events covered by Property Damage on GIO's retail business page; a Flood SPDS (December 2023) also applies to this PDS." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Counts when unoccupied, or untenanted if you own the building. Unless GIO agreed in writing (may add premium, conditions or a higher excess).", "then": null, "label": "No cover after 60 days" }, "id": "retail-business-protect-policy-section-1-property-damage", "type_label": "Business property", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "GIO Strata Insurance", "type": "residential_strata", "segment": "residential", "channel": "direct", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "included", "accidental_damage": "included", "levels": [], "states": null, "documents": [ { "title": "Strata Insurance Product Disclosure Statement", "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-pds-a05127-24-05-25-a.pdf", "date": "2025-01-31" }, { "title": "Strata Insurance Target Market Determination", "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-tmd-31515-25-06-25-a.pdf", "date": "2025-06-25" }, { "title": "Strata Insurance Additional Information Guide", "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-aig-17193-24-05-25-a.pdf", "date": null } ], "quotes": { "product": { "text": "GIO Strata Insurance provides cover for townhouses, units, and duplexes under a strata, body corporate or community title, for incidents including theft, accidental damage, and damage from weather events like flood, storm and fire", "url": "https://www.gio.com.au/home-insurance/top-strata-residential.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "GIO Strata Insurance provides cover for townhouses, units, and duplexes under a strata, body corporate or community title, for incidents including theft, accidental damage, and damage from weather events like flood, storm and fire", "url": "https://www.gio.com.au/home-insurance/top-strata-residential.html#:~:text=GIO%20Strata%20Insurance%20provides%20cover,like%20flood%2C%20storm%20and%20fire", "document_sha256": "88cffe91018dac8b8ebd6b26c3ac9adbf50ad173e038d59cdc266bed1635c86c", "confirmed": "2026-11-13" } }, "channel": { "text": "Call 13 10 10 for a quote", "url": "https://www.gio.com.au/home-insurance/top-strata-residential.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Call 13 10 10 for a quote", "url": "https://www.gio.com.au/home-insurance/top-strata-residential.html#:~:text=Call%2013%2010%2010%20for%20a%20quote", "document_sha256": "88cffe91018dac8b8ebd6b26c3ac9adbf50ad173e038d59cdc266bed1635c86c", "confirmed": "2026-11-13" } }, "online_quote": { "text": "Call 13 10 10 for a quote", "url": "https://www.gio.com.au/home-insurance/top-strata-residential.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Call 13 10 10 for a quote", "url": "https://www.gio.com.au/home-insurance/top-strata-residential.html#:~:text=Call%2013%2010%2010%20for%20a%20quote", "document_sha256": "88cffe91018dac8b8ebd6b26c3ac9adbf50ad173e038d59cdc266bed1635c86c", "confirmed": "2026-11-13" } }, "flood": { "text": "the insured incidents listed in this policy like storms, floods, and fires (including bushfire)", "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-pds-a05127-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "the insured incidents listed in this policy like storms, floods, and fires (including bushfire)", "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-pds-a05127-24-05-25-a.pdf#page=6", "page": 6, "document_sha256": "73586d74ac0e7434d34c8180f4cb6c1a571a879b337e1acb67f2e7aeaa476fc3", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "accidental damage not caused by or arising from any of the insured incidents listed in this policy.", "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-pds-a05127-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "accidental damage not caused by or arising from any of the insured incidents listed in this policy.", "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-pds-a05127-24-05-25-a.pdf#page=6", "page": 6, "document_sha256": "73586d74ac0e7434d34c8180f4cb6c1a571a879b337e1acb67f2e7aeaa476fc3", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Cover for loss or damage to an entire residential building that has multiple dwellings where it is for a body corporate, owners corporation, strata company or where there is no strata title entity, provided the owner owns the entire property", "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-tmd-31515-25-06-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for loss or damage to an entire residential building that has multiple dwellings where it is for a body corporate, owners corporation, strata company or where there is no strata title entity, provided the owner owns the entire property", "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-tmd-31515-25-06-25-a.pdf#page=3", "page": 3, "document_sha256": "419cd4f1e93218212950049336923a3194eec5d89117b3a108960d408bd3a4b0", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "if at the time of the incident covered by your policy, 50% or more of the lots at the strata building at the insured address haven’t been occupied for a period of more than 60 continuous days.", "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-pds-a05127-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "if at the time of the incident covered by your policy, 50% or more of the lots at the strata building at the insured address haven’t been occupied for a period of more than 60 continuous days.", "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-pds-a05127-24-05-25-a.pdf#page=17", "page": 17, "document_sha256": "73586d74ac0e7434d34c8180f4cb6c1a571a879b337e1acb67f2e7aeaa476fc3", "confirmed": "2026-11-13" } }, "unoccupied_excess": { "text": "The unoccupied excess is $1,000", "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-aig-17193-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The unoccupied excess is $1,000", "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-aig-17193-24-05-25-a.pdf#page=3", "page": 3, "document_sha256": "0efa55554e99d30f0bdb60cac572452fc87f70244a2e145b93cd2aae45e942a9", "confirmed": "2026-11-13" } } }, "eligibility": "Body corporates, owners corporations and strata companies (or an owner of a whole multi-dwelling residential building) wanting building and common property cover for small residential strata buildings.", "conditions": [ "Cover is for the strata building and common property, arranged by the body corporate, owners corporation or strata manager; it is not for individual unit owners' contents.", "Strata cover for flood, storm, storm surge and tsunami does not start until 72 hours after the policy begins (very limited exceptions)." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1000, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Applies only when 50% or more of the lots have not been occupied (furnished, lived in, utilities on).", "then": null, "label": "Extra $1,000 excess after 60 days" }, "id": "strata-insurance", "type_label": "Residential strata", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "When we say ‘we’, ‘us’, ‘our’, or ‘GIO’ we mean AAI Limited ABN 48 005 297 807 trading as GIO.", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-pds-12318-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "When we say ‘we’, ‘us’, ‘our’, or ‘GIO’ we mean AAI Limited ABN 48 005 297 807 trading as GIO.", "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-pds-12318-24-05-25-a.pdf#page=11", "page": 11, "document_sha256": "a213aed2378c48e66287f9bb53ff01326a7b6af0b40b97c3e2954bd87c7126ac", "confirmed": "2026-11-13" } } }, "curation_notes": "Same PDS family as Suncorp Insurance (both by AAI Limited, Suncorp Group). GIO sells only in NSW, ACT, VIC, WA and NT per the TMD. The landlord SPDS file is named 041126 and its footer reads '32465 04/11/26 A' but the text says it was prepared on 2 July 2026; the 4 Nov 2026 date is after the 16 Oct 2026 check date. GIO also lists a residential strata product (not covered here). | GIO Business Protect and GIO Retail Business Protect share the AAMI Business policy structure (same insurer, same Property damage section). Documents are listed on https://www.gio.com.au/policy-documents/business-insurance-policy-docs.html. GIO also sells Professional Business Protect, Mobile Business Protect and Motor Trade Business Protect; the Mobile and Professional packs were not examined for building cover. The Flood SPDS for Business Protect adds Flood as an insured event; check the SPDS date (7 Dec 2023) against the PDS (12 Aug 2024).", "segments": [ "residential", "commercial" ], "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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/gio/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/gio.json" }, { "slug": "great-southern-bank", "name": "Great Southern Bank", "website": "https://www.greatsouthernbank.com.au/", "kind": "brand", "underwriter": "Allianz Australia Insurance Limited", "underwriter_abn": "15000122850", "underwriter_afsl": "234708", "lloyds": false, "distributor": { "name": "Credit Union Australia Ltd (trading as Great Southern Bank)", "abn": "44087650959", "afsl": "238317", "authorised_representative_no": null }, "products": [ { "name": "Great Southern Bank Home Insurance (home and contents policy, building cover)", "type": "home_building", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": "optional", "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Product Disclosure Statement", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1384FIGSB052520251221/$FILE/POL1384FI_GSB.pdf?open", "date": "2025-05-15" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSCDSimplifyHomeB4690924/$FILE/KFSCDSimplifyHomeB469.pdf?open", "date": "2024-09-01" } ], "quotes": { "product": { "text": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1384FIGSB052520251221/$FILE/POL1384FI_GSB.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1384FIGSB052520251221/$FILE/POL1384FI_GSB.pdf?open#page=2", "page": 2, "document_sha256": "db4dd0f54f74c745131c10865af92abb13e66b8abfb51a549f22982d13161477", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSCDSimplifyHomeB4690924/$FILE/KFSCDSimplifyHomeB469.pdf?open", "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://www.einsure.com.au/wb/public/openPolicyDocument/KFSCDSimplifyHomeB4690924/$FILE/KFSCDSimplifyHomeB469.pdf?open#page=1", "page": 1, "document_sha256": "b885015613c6b685a42adce91823ad66df09ec617bb85879066491459c0c8c98", "confirmed": "2026-11-13" } }, "flood": { "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSCDSimplifyHomeB4690924/$FILE/KFSCDSimplifyHomeB469.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/KFSCDSimplifyHomeB4690924/$FILE/KFSCDSimplifyHomeB469.pdf?open#page=1", "page": 1, "document_sha256": "b885015613c6b685a42adce91823ad66df09ec617bb85879066491459c0c8c98", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "What does it mean if I take the Accidental Damage cover option? This option can cover you against damage caused by sudden, unforeseen and unintended events", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1384FIGSB052520251221/$FILE/POL1384FI_GSB.pdf?open", "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 option can cover you against damage caused by sudden, unforeseen and unintended events", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1384FIGSB052520251221/$FILE/POL1384FI_GSB.pdf?open#page=7", "page": 7, "document_sha256": "db4dd0f54f74c745131c10865af92abb13e66b8abfb51a549f22982d13161477", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1384FIGSB052520251221/$FILE/POL1384FI_GSB.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/POL1384FIGSB052520251221/$FILE/POL1384FI_GSB.pdf?open#page=58", "page": 58, "document_sha256": "db4dd0f54f74c745131c10865af92abb13e66b8abfb51a549f22982d13161477", "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 on building cover." ], "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 two consecutive nights.", "then": null, "label": "No cover after 60 days" }, "id": "home-insurance-home-and-contents-policy-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": "Great Southern Bank 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 Product Disclosure Statement", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1406FIGSB052520251221/$FILE/POL1406FI_GSB.pdf?open", "date": "2025-05-15" }, { "title": "Key Facts Sheet - Landlord Building", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSCDSimplifyLandlordB4690924/$FILE/KFSCDSimplifyLandlordB469.pdf?open", "date": "2024-09-01" } ], "quotes": { "product": { "text": "The insurer of this Landlord Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1406FIGSB052520251221/$FILE/POL1406FI_GSB.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Landlord Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1406FIGSB052520251221/$FILE/POL1406FI_GSB.pdf?open#page=2", "page": 2, "document_sha256": "2fa493270649046a6054355486014221b43de0af69610eb2246c3b79f49eac89", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSCDSimplifyLandlordB4690924/$FILE/KFSCDSimplifyLandlordB469.pdf?open", "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://www.einsure.com.au/wb/public/openPolicyDocument/KFSCDSimplifyLandlordB4690924/$FILE/KFSCDSimplifyLandlordB469.pdf?open#page=1", "page": 1, "document_sha256": "a381d342715aa609fc80fc8db824714629273b135eb85d74db3f22f308174d8d", "confirmed": "2026-11-13" } }, "flood": { "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSCDSimplifyLandlordB4690924/$FILE/KFSCDSimplifyLandlordB469.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/KFSCDSimplifyLandlordB4690924/$FILE/KFSCDSimplifyLandlordB469.pdf?open#page=1", "page": 1, "document_sha256": "a381d342715aa609fc80fc8db824714629273b135eb85d74db3f22f308174d8d", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1406FIGSB052520251221/$FILE/POL1406FI_GSB.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/POL1406FIGSB052520251221/$FILE/POL1406FI_GSB.pdf?open#page=58", "page": 58, "document_sha256": "2fa493270649046a6054355486014221b43de0af69610eb2246c3b79f49eac89", "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 for the landlord policy was not stated in the documents read, so it is left blank." ], "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. Landlord: lived in means tenants eating and sleeping there; applies if you knew or should have known.", "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": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1384FIGSB052520251221/$FILE/POL1384FI_GSB.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1384FIGSB052520251221/$FILE/POL1384FI_GSB.pdf?open#page=2", "page": 2, "document_sha256": "db4dd0f54f74c745131c10865af92abb13e66b8abfb51a549f22982d13161477", "confirmed": "2026-11-13" } }, "distributor": { "text": "Home and Contents Insurance is distributed by Great Southern Bank, a business name of Credit Union Australia Ltd ABN 44 087 650 959 AFSL 238317 of Level 27, 300 George St, Brisbane, 4000 as agent of Allianz.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1384FIGSB052520251221/$FILE/POL1384FI_GSB.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Home and Contents Insurance is distributed by Great Southern Bank, a business name of Credit Union Australia Ltd ABN 44 087 650 959 AFSL 238317 of Level 27, 300 George St, Brisbane, 4000 as agent of Allianz.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1384FIGSB052520251221/$FILE/POL1384FI_GSB.pdf?open#page=2", "page": 2, "document_sha256": "db4dd0f54f74c745131c10865af92abb13e66b8abfb51a549f22982d13161477", "confirmed": "2026-11-13" } } }, "curation_notes": "Great Southern Bank is the new name of CUA (Credit Union Australia Ltd). PDS preparation date 15 May 2025; key facts sheets are dated 1 September 2024. PDS text read is the Allianz partner white-label 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": "238317", "name": "CREDIT UNION AUSTRALIA LTD", "abn": "44087650959", "acn": null, "licensed_since": "2004-02-01", "locality": "Brisbane QLD 4000", "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/great-southern-bank/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/great-southern-bank.json" }, { "slug": "heritage-bank", "name": "Heritage Bank", "website": "https://www.heritage.com.au/", "kind": "brand", "underwriter": "Allianz Australia Insurance Limited", "underwriter_abn": "15000122850", "underwriter_afsl": "234708", "lloyds": false, "distributor": { "name": "Heritage and People's Choice Ltd (trading as Heritage Bank)", "abn": "11087651125", "afsl": "244310", "authorised_representative_no": null }, "products": [ { "name": "Heritage Bank Home Insurance (home and contents policy, building cover)", "type": "home_building", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": "optional", "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Product Disclosure Statement", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1371FIHB102420251221/$FILE/POL1371FI_HB.pdf?open", "date": "2024-09-01" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSHESimplifyHomeB1290924/$FILE/KFSHESimplifyHomeB129.pdf?open", "date": "2024-09-01" } ], "quotes": { "product": { "text": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1371FIHB102420251221/$FILE/POL1371FI_HB.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1371FIHB102420251221/$FILE/POL1371FI_HB.pdf?open#page=2", "page": 2, "document_sha256": "11e296f2d5df233fbd6fec38ab8c09be12f1c26b15cdb90302bb95961757b013", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSHESimplifyHomeB1290924/$FILE/KFSHESimplifyHomeB129.pdf?open", "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://www.einsure.com.au/wb/public/openPolicyDocument/KFSHESimplifyHomeB1290924/$FILE/KFSHESimplifyHomeB129.pdf?open#page=1", "page": 1, "document_sha256": "39631ec7d3fa99474628512994df3e6de15e28ad5c41f14a6c629348166efc5d", "confirmed": "2026-11-13" } }, "flood": { "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSHESimplifyHomeB1290924/$FILE/KFSHESimplifyHomeB129.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/KFSHESimplifyHomeB1290924/$FILE/KFSHESimplifyHomeB129.pdf?open#page=1", "page": 1, "document_sha256": "39631ec7d3fa99474628512994df3e6de15e28ad5c41f14a6c629348166efc5d", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "What does it mean if I take the Accidental Damage cover option? This option can cover you against damage caused by sudden, unforeseen and unintended events", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1371FIHB102420251221/$FILE/POL1371FI_HB.pdf?open", "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 option can cover you against damage caused by sudden, unforeseen and unintended events", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1371FIHB102420251221/$FILE/POL1371FI_HB.pdf?open#page=7", "page": 7, "document_sha256": "11e296f2d5df233fbd6fec38ab8c09be12f1c26b15cdb90302bb95961757b013", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1371FIHB102420251221/$FILE/POL1371FI_HB.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/POL1371FIHB102420251221/$FILE/POL1371FI_HB.pdf?open#page=58", "page": 58, "document_sha256": "11e296f2d5df233fbd6fec38ab8c09be12f1c26b15cdb90302bb95961757b013", "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 on building cover." ], "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 two consecutive nights.", "then": null, "label": "No cover after 60 days" }, "id": "home-insurance-home-and-contents-policy-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": "Heritage Bank 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 Product Disclosure Statement", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1393FIHB102420251221/$FILE/POL1393FI_HB.pdf?open", "date": "2024-09-01" }, { "title": "Key Facts Sheet - Landlord Building", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSHESimplifyLandlordB1290924/$FILE/KFSHESimplifyLandlordB129.pdf?open", "date": "2024-09-01" } ], "quotes": { "product": { "text": "The insurer of this Landlord Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1393FIHB102420251221/$FILE/POL1393FI_HB.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Landlord Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1393FIHB102420251221/$FILE/POL1393FI_HB.pdf?open#page=2", "page": 2, "document_sha256": "03081aa7cf3d3c8c0f5c473cc262e7ac108b973daebb99fa1118a8ac7dd14ce7", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSHESimplifyLandlordB1290924/$FILE/KFSHESimplifyLandlordB129.pdf?open", "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://www.einsure.com.au/wb/public/openPolicyDocument/KFSHESimplifyLandlordB1290924/$FILE/KFSHESimplifyLandlordB129.pdf?open#page=1", "page": 1, "document_sha256": "db9f0e6b360d21e129f1888200a112a6842fc9a2d95265f4bdc12afd5ecff569", "confirmed": "2026-11-13" } }, "flood": { "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSHESimplifyLandlordB1290924/$FILE/KFSHESimplifyLandlordB129.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/KFSHESimplifyLandlordB1290924/$FILE/KFSHESimplifyLandlordB129.pdf?open#page=1", "page": 1, "document_sha256": "db9f0e6b360d21e129f1888200a112a6842fc9a2d95265f4bdc12afd5ecff569", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1393FIHB102420251221/$FILE/POL1393FI_HB.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/POL1393FIHB102420251221/$FILE/POL1393FI_HB.pdf?open#page=58", "page": 58, "document_sha256": "03081aa7cf3d3c8c0f5c473cc262e7ac108b973daebb99fa1118a8ac7dd14ce7", "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 for the landlord policy was not stated in the documents read, so it is left blank." ], "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. Landlord: lived in means tenants eating and sleeping there; applies if you knew or should have known.", "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": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1371FIHB102420251221/$FILE/POL1371FI_HB.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1371FIHB102420251221/$FILE/POL1371FI_HB.pdf?open#page=2", "page": 2, "document_sha256": "11e296f2d5df233fbd6fec38ab8c09be12f1c26b15cdb90302bb95961757b013", "confirmed": "2026-11-13" } }, "distributor": { "text": "Heritage Bank, a trading name of Heritage and People’s Choice Ltd ABN 11 087 651 125, AFSL and Australian Credit Licence 244310 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708.", "url": "https://www.heritage.com.au/insurance/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Heritage Bank, a trading name of Heritage and People’s Choice Ltd ABN 11 087 651 125, AFSL and Australian Credit Licence 244310 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708.", "url": "https://www.heritage.com.au/insurance/home-insurance#:~:text=Heritage%20Bank%2C%20a%20trading%20name,122%20850%20AFSL%20No%20234708.", "document_sha256": "36e89ae82f43ab4665c78d2a238ba4d50e689fa153e51fa5896c27e45ad7b0a6", "confirmed": "2026-11-13" } } }, "curation_notes": "Heritage and People's Choice Ltd also trades as People First Bank, which sells CGU-underwritten home insurance (see people-first-bank). Heritage's own insurance page still links to older 2019-era PDS files under /external-links/insurance/kfs-pds-2019/ as well as the current Allianz partner documents; the current einsure documents were used.", "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": "244310", "name": "HERITAGE AND PEOPLE'S CHOICE LIMITED", "abn": "11087651125", "acn": null, "licensed_since": "2004-03-10", "locality": "Toowoomba QLD 4350", "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/heritage-bank/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/heritage-bank.json" }, { "slug": "high-street", "name": "High Street Underwriting Agency", "website": "https://hsua.com.au/", "kind": "underwriting_agency", "underwriter": "Certain Underwriters at Lloyd's", "underwriter_abn": null, "underwriter_afsl": null, "lloyds": true, "distributor": { "name": "High Street Underwriting Agency Pty Limited", "abn": "27096939169", "afsl": "244370", "authorised_representative_no": null }, "products": [ { "name": "HSUA Commercial Property", "type": "business_property", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "excluded", "accidental_damage": "included", "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Commercial Property Policy Wording V120624", "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf", "date": "2024-06" } ], "quotes": { "product": { "text": "We will cover You for loss or damage at the Location directly caused by the events listed under ‘Insured Events’, up to the limit shown on Your Policy", "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We will cover You for loss or damage at the Location directly caused by the events listed under ‘Insured Events’, up to the limit shown on Your Policy", "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf#page=18", "page": 18, "document_sha256": "60aa8dc68f07a0b7599569ef3d7f5c2972731de19a4a6c858d69fe66ac1ec3b0", "confirmed": "2026-11-13" } }, "channel": { "text": "If you have any questions regarding the policy or Policy Schedule, please contact Your insurance broker.", "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If you have any questions regarding the policy or Policy Schedule, please contact Your insurance broker.", "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf#page=8", "page": 8, "document_sha256": "60aa8dc68f07a0b7599569ef3d7f5c2972731de19a4a6c858d69fe66ac1ec3b0", "confirmed": "2026-11-13" } }, "flood": { "text": "Loss or damage caused: a) by sea, tidal wave, high Water, Flood;", "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Loss or damage caused: a) by sea, tidal wave, high Water, Flood;", "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf#page=20", "page": 20, "document_sha256": "60aa8dc68f07a0b7599569ef3d7f5c2972731de19a4a6c858d69fe66ac1ec3b0", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "We will cover You for accidental loss or damage to", "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We will cover You for accidental loss or damage to", "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf#page=19", "page": 19, "document_sha256": "60aa8dc68f07a0b7599569ef3d7f5c2972731de19a4a6c858d69fe66ac1ec3b0", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or liability during any period in excess of 90 consecutive days during which the Business locations are left unoccupied, unless with Our written consent.", "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Loss, damage or liability during any period in excess of 90 consecutive days during which the Business locations are left unoccupied, unless with Our written consent.", "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf#page=10", "page": 10, "document_sha256": "60aa8dc68f07a0b7599569ef3d7f5c2972731de19a4a6c858d69fe66ac1ec3b0", "confirmed": "2026-11-13" } } }, "conditions": [ "Covers buildings, contents and other interests only as shown on the Policy Schedule, so buildings are not automatic.", "The Storm, Wind and Water event excludes flood; no flood add-on was found in this wording.", "The policy wording PDF is hosted on a broker's website (inshq.com.au); HSUA's own site says wordings are in its broker portal.", "No TMD for the property product was found; HSUA publishes only Accident and Health and CPE TMDs." ], "unoccupied": { "days": 90, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Unless High Street consented in writing. Occupied means used for business purposes for at least two consecutive days.", "then": null, "label": "No cover after 90 days" }, "id": "hsua-commercial-property", "type_label": "Business property", "issuers": [ { "name": "Certain Underwriters at Lloyd's", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] } ], "quotes": { "underwriter": { "text": "Underwritten by Certain Underwriters at Lloyd's 100%", "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Underwritten by Certain Underwriters at Lloyd's 100%", "url": "https://inshq.com.au/wp-content/uploads/2024/08/HSUA.pdf#page=3", "page": 3, "document_sha256": "60aa8dc68f07a0b7599569ef3d7f5c2972731de19a4a6c858d69fe66ac1ec3b0", "confirmed": "2026-11-13" } }, "distributor": { "text": "© HSUA 2025 | ABN 27 096 939 169 | AFS License 244370", "url": "https://hsua.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "© HSUA 2025 | ABN 27 096 939 169 | AFS License 244370", "url": "https://hsua.com.au/#:~:text=%C2%A9%20HSUA%202025%20%7C%20ABN,169%20%7C%20AFS%20License%20244370", "document_sha256": "dfcfe42713848f7b29ea2f51b5f43fa1697545f5055f42eb0f6a57baf1b31b10", "confirmed": "2026-11-13" } } }, "curation_notes": "Property wording found via a broker-hosted copy dated June 2024; current version not confirmed.", "segments": [ "commercial" ], "issuers": [ { "name": "Certain Underwriters at Lloyd's", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ], "distributor_licence": { "afsl": "244370", "name": "HIGH STREET UNDERWRITING AGENCY PTY. LIMITED", "abn": "27096939169", "acn": null, "licensed_since": "2004-03-01", "locality": "Brendale QLD 4500", "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/high-street/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/high-street.json" }, { "slug": "hollard-commercial", "name": "Hollard Commercial Insurance", "website": "https://www.hollardcommercial.com.au/", "kind": "underwriting_agency", "underwriter": "The Hollard Insurance Company Pty Ltd", "underwriter_abn": "78090584473", "underwriter_afsl": "241436", "lloyds": false, "distributor": null, "products": [ { "name": "Hollard Commercial Business Insurance (Property Damage cover section)", "type": "business_property", "segment": "commercial", "channel": "broker", "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "eligibility": "Small to medium Australian businesses, including property owners, wholesale, retail, professional offices, food services and trade contractors, arranged through intermediaries.", "states": null, "documents": [ { "title": "Hollard Commercial Business Insurance Policy Wording (HCI BI 012022)", "url": "https://www.hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf", "date": "2022-01-01" } ], "quotes": { "product": { "text": "This Policy incorporates 12 different cover sections of business insurance.", "url": "https://www.hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Policy incorporates 12 different cover sections of business insurance.", "url": "https://www.hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf#page=6", "page": 6, "document_sha256": "f33f2490582090e9187ef4883f9b661bf565fe22a98c23c04b3521fd6e594ab8", "confirmed": "2026-11-13" } }, "channel": { "text": "Hollard Commercial Insurance offers commercial insurance products to Australian businesses via insurance intermediaries.", "url": "https://www.hollardcommercial.com.au/home", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Hollard Commercial Insurance offers commercial insurance products to Australian businesses via insurance intermediaries.", "url": "https://www.hollardcommercial.com.au/home#:~:text=Hollard%20Commercial%20Insurance%20offers%20commercial,Australian%20businesses%20via%20insurance%20intermediaries.", "document_sha256": "c82621ff55965287b5f21f10117aba4cb26801f747627c2c0a962528b862ca92", "confirmed": "2026-11-13" } }, "flood": { "text": "When ‘Flood’ is shown as insured in the Policy Schedule, subject to the provisions of the Policy, We will cover loss of or damage to Property Insured caused by Flood", "url": "https://www.hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "When ‘Flood’ is shown as insured in the Policy Schedule, subject to the provisions of the Policy, We will cover loss of or damage to Property Insured caused by Flood", "url": "https://www.hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf#page=25", "page": 25, "document_sha256": "f33f2490582090e9187ef4883f9b661bf565fe22a98c23c04b3521fd6e594ab8", "confirmed": "2026-11-13" } }, "eligibility": { "text": "We specialise in business insurance intended to protect everyday risks for Small to Medium Australian businesses.", "url": "https://www.hollardcommercial.com.au/products", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We specialise in business insurance intended to protect everyday risks for Small to Medium Australian businesses.", "url": "https://www.hollardcommercial.com.au/products#:~:text=We%20specialise%20in%20business%20insurance,Small%20to%20Medium%20Australian%20businesses.", "document_sha256": "07526d4cb4354d019a2aacbc8a9e2d15d8f93704f13d0e1a152b93378219007b", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Unless We otherwise agree in writing, We will not pay for any loss or damage to Your Property Insured if the Event happens after Your Premises has been unoccupied for more than 90 consecutive days.", "url": "https://www.hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Unless We otherwise agree in writing, We will not pay for any loss or damage to Your Property Insured if the Event happens after Your Premises has been unoccupied for more than 90 consecutive days.", "url": "https://www.hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf#page=13", "page": 13, "document_sha256": "f33f2490582090e9187ef4883f9b661bf565fe22a98c23c04b3521fd6e594ab8", "confirmed": "2026-11-13" } } }, "conditions": [ "You are insured only for the cover sections shown as insured in the Policy Schedule; Property Damage is one of 12 optional sections.", "The only Target Market Determination published on the Hollard Commercial site is for Commercial Motor Vehicle Insurance; none was found for the business insurance product." ], "unoccupied": { "days": 90, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": "lightning, earthquake, volcanic eruption, tsunami, subterranean fire, impact, falling masts or buildings, riot, civil commotion, strikes", "must_tell": true, "conditions": "Unoccupied means left vacant even if contents remain. Unless Hollard agreed in writing.", "then": null, "label": "No cover after 90 days (a few events excepted)" }, "id": "business-insurance-property-damage-cover-section", "type_label": "Business property", "issuers": [ { "name": "The Hollard Insurance Company Pty Ltd", "abn": "78090584473", "afsl": "241436", "lloyds": false, "slug": "hollard-insurance", "apra": { "status": "authorised", "name": "Hollard Insurance Company Pty Ltd (The)", "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": "241436", "name": "THE HOLLARD INSURANCE COMPANY PTY LTD", "abn": "78090584473", "acn": null, "licensed_since": "2004-03-11", "locality": "North Sydney NSW 2060", "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 insurance is underwritten by The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473, AFSL 241436) (‘Hollard’).", "url": "https://www.hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This insurance is underwritten by The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473, AFSL 241436) (‘Hollard’).", "url": "https://www.hollardcommercial.com.au/media/tgbpaqp0/hci-policy-wording-business-insurance.pdf#page=4", "page": 4, "document_sha256": "f33f2490582090e9187ef4883f9b661bf565fe22a98c23c04b3521fd6e594ab8", "confirmed": "2026-11-13" } } }, "curation_notes": "Hollard Commercial Insurance Pty Ltd (ABN 86 603 039 023, AFSL 474540) acts as agent for Hollard under a binding authority (policy wording). The wording on the site is dated 17 November 2021, effective 1 January 2022, and is the one the site tells users to download. hollard.com.au itself only points to hollardcommercial.com.au and sells personal lines through Steadfast brokers.", "segments": [ "commercial" ], "issuers": [ { "name": "The Hollard Insurance Company Pty Ltd", "abn": "78090584473", "afsl": "241436", "lloyds": false, "slug": "hollard-insurance", "apra": { "status": "authorised", "name": "Hollard Insurance Company Pty Ltd (The)", "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": "241436", "name": "THE HOLLARD INSURANCE COMPANY PTY LTD", "abn": "78090584473", "acn": null, "licensed_since": "2004-03-11", "locality": "North Sydney NSW 2060", "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/hollard-commercial/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/hollard-commercial.json" }, { "slug": "honey", "name": "Honey", "website": "https://honeyinsurance.com.au/", "kind": "brand", "underwriter": "Zurich Australian Insurance Limited", "underwriter_abn": "13000296640", "underwriter_afsl": "232507", "lloyds": false, "distributor": { "name": "Honey Insurance Pty Ltd", "abn": "52643672628", "afsl": "528244", "authorised_representative_no": null }, "products": [ { "name": "Honey Household Insurance (home building)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": "Owner-occupiers who own and reside in the insured home, aged 18+.", "states": null, "documents": [ { "title": "Household Product Disclosure Statement (October 2026)", "url": "https://honeyinsurance.com.au/documents/honey-insurance-product-disclosure-statement-HONHH-2610.pdf", "date": "2026-10-01" }, { "title": "Key Facts Sheet - building", "url": "https://honeyinsurance.com.au/documents/honey-insurance-key-facts-sheet-building-household-2610.pdf", "date": "2026-10-01" }, { "title": "Target Market Determination", "url": "https://honeyinsurance.com.au/documents/honey-insurance-target-market-determination-household-2610.pdf", "date": "2026-10-01" } ], "quotes": { "product": { "text": "The product is designed for people who want to be covered against financial loss caused by a range of incidents involving their home and/or their contents and are seeking an appropriate level of cover relevant to their personal circumstances.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-target-market-determination-household-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The product is designed for people who want to be covered against financial loss caused by a range of incidents involving their home and/or their contents and are seeking an appropriate level of cover relevant to their personal circumstances.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-target-market-determination-household-2610.pdf#page=2", "page": 2, "document_sha256": "f711ec50918c7c275eee0b8cad7ad45dff8fbfa5aba577676c43d573e65ae99e", "confirmed": "2026-11-13" } }, "channel": { "text": "Honey Household Insurance is distributed only: • Honey's website by visiting honeyinsurance.com • Honey's contact centre by calling 137 137", "url": "https://honeyinsurance.com.au/documents/honey-insurance-target-market-determination-household-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Honey Household Insurance is distributed only: • Honey's website by visiting honeyinsurance.com • Honey's contact centre by calling 137 137", "url": "https://honeyinsurance.com.au/documents/honey-insurance-target-market-determination-household-2610.pdf#page=7", "page": 7, "document_sha256": "f711ec50918c7c275eee0b8cad7ad45dff8fbfa5aba577676c43d573e65ae99e", "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://honeyinsurance.com.au/documents/honey-insurance-key-facts-sheet-building-household-2610.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://honeyinsurance.com.au/documents/honey-insurance-key-facts-sheet-building-household-2610.pdf#page=1", "page": 1, "document_sha256": "fd22f62906e84fdcf0d0ec2b6506732fec9728daa6c6d1d791f0d07daa688354", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood Yes You're not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-key-facts-sheet-building-household-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood Yes You're not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-key-facts-sheet-building-household-2610.pdf#page=1", "page": 1, "document_sha256": "fd22f62906e84fdcf0d0ec2b6506732fec9728daa6c6d1d791f0d07daa688354", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Optional Optional – We cover accidental damage to some items under the optional benefit of Advanced cover.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-key-facts-sheet-building-household-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Optional Optional – We cover accidental damage to some items under the optional benefit of Advanced cover.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-key-facts-sheet-building-household-2610.pdf#page=1", "page": 1, "document_sha256": "fd22f62906e84fdcf0d0ec2b6506732fec9728daa6c6d1d791f0d07daa688354", "confirmed": "2026-11-13" } }, "eligibility": { "text": "The product with Home Insurance cover is designed for people who want to be covered against financial loss caused by an incident involving their home and are seeking an appropriate level of cover relevant to their personal circumstances.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-target-market-determination-household-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The product with Home Insurance cover is designed for people who want to be covered against financial loss caused by an incident involving their home and are seeking an appropriate level of cover relevant to their personal circumstances.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-target-market-determination-household-2610.pdf#page=3", "page": 3, "document_sha256": "f711ec50918c7c275eee0b8cad7ad45dff8fbfa5aba577676c43d573e65ae99e", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "If your home is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-product-disclosure-statement-HONHH-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If your home is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-product-disclosure-statement-HONHH-2610.pdf#page=99", "page": 99, "document_sha256": "99528c53032074195ce28bbc3aff01eb173b8e0132813ee6b23b381ee582f606", "confirmed": "2026-11-13" } } }, "conditions": [ "Accidental damage is the optional 'Advanced cover' benefit (also covers motor burnout); it does not apply to a home that is rented out.", "Honey Insurance Pty Ltd administers the policy on behalf of the insurer, Zurich Australian Insurance Limited." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1500, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unoccupied also if someone stays on average less than one night a week. Cover for insured events continues.", "then": null, "label": "Extra $1,500 excess after 60 days" }, "id": "household-insurance-home-building", "type_label": "Home building", "issuers": [ { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "lloyds": false, "slug": "zurich-australian-insurance", "apra": { "status": "authorised", "name": "Zurich Australian 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": "232507", "name": "ZURICH AUSTRALIAN INSURANCE LIMITED", "abn": "13000296640", "acn": null, "licensed_since": "2004-01-31", "locality": "North Sydney NSW 2060", "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": "Honey Landlord Insurance (building)", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": "Owners of a residential rental property.", "states": null, "documents": [ { "title": "Landlord Product Disclosure Statement (October 2026)", "url": "https://honeyinsurance.com.au/documents/honey-insurance-product-disclosure-statement-HONLL-2610.pdf", "date": "2026-10-01" }, { "title": "Key Facts Sheet - building", "url": "https://honeyinsurance.com.au/documents/honey-insurance-key-facts-sheet-building-landlord-2610.pdf", "date": "2026-10-01" }, { "title": "Target Market Determination", "url": "https://honeyinsurance.com.au/documents/honey-insurance-target-market-determination-landlord-2610.pdf", "date": "2026-10-01" } ], "quotes": { "product": { "text": "The product is designed for people who own a residential rental property and want to be covered against financial loss caused by a range of incidents involving their rental property and/or their contents (including certain risks associated with having a tenant) and are seeking an appropriate level of cover relevant to their circumstances as a landlord.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-target-market-determination-landlord-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The product is designed for people who own a residential rental property and want to be covered against financial loss caused by a range of incidents involving their rental property and/or their contents (including certain risks associated with having a tenant) and are seeking an appropriate level of cover relevant to their circumstances as a landlord.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-target-market-determination-landlord-2610.pdf#page=2", "page": 2, "document_sha256": "588de9feac8388318c5708f6a8529e3b4b423ec441c39549ddf10eae08c18c59", "confirmed": "2026-11-13" } }, "channel": { "text": "Honey Landlord Insurance is distributed only: • Honey's website by visiting honeyinsurance.com • Honey's contact centre by calling 137 137", "url": "https://honeyinsurance.com.au/documents/honey-insurance-target-market-determination-landlord-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Honey Landlord Insurance is distributed only: • Honey's website by visiting honeyinsurance.com • Honey's contact centre by calling 137 137", "url": "https://honeyinsurance.com.au/documents/honey-insurance-target-market-determination-landlord-2610.pdf#page=7", "page": 7, "document_sha256": "588de9feac8388318c5708f6a8529e3b4b423ec441c39549ddf10eae08c18c59", "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://honeyinsurance.com.au/documents/honey-insurance-key-facts-sheet-building-landlord-2610.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://honeyinsurance.com.au/documents/honey-insurance-key-facts-sheet-building-landlord-2610.pdf#page=1", "page": 1, "document_sha256": "5b975a580c4b740f74af5928458485ff31b254f5f03bebe900aace196273d32a", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood Yes You're not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-key-facts-sheet-building-landlord-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood Yes You're not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-key-facts-sheet-building-landlord-2610.pdf#page=1", "page": 1, "document_sha256": "5b975a580c4b740f74af5928458485ff31b254f5f03bebe900aace196273d32a", "confirmed": "2026-11-13" } }, "eligibility": { "text": "The product is designed for people who own a residential rental property and want to be covered against financial loss caused by a range of incidents involving their rental property and/or their contents (including certain risks associated with having a tenant) and are seeking an appropriate level of cover relevant to their circumstances as a landlord.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-target-market-determination-landlord-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The product is designed for people who own a residential rental property and want to be covered against financial loss caused by a range of incidents involving their rental property and/or their contents (including certain risks associated with having a tenant) and are seeking an appropriate level of cover relevant to their circumstances as a landlord.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-target-market-determination-landlord-2610.pdf#page=2", "page": 2, "document_sha256": "588de9feac8388318c5708f6a8529e3b4b423ec441c39549ddf10eae08c18c59", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "If your rental property is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-product-disclosure-statement-HONLL-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If your rental property is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-product-disclosure-statement-HONLL-2610.pdf#page=75", "page": 75, "document_sha256": "f69167ce1008592e8167538e58a3fdfb6ba53e8a31c4890ee131d775b7f48d97", "confirmed": "2026-11-13" } } }, "conditions": [ "Landlord building cover includes accidental damage, malicious damage or theft by a tenant as an included benefit; accidental damage by others is not stated as covered or optional in the Key Facts Sheet." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1500, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unoccupied also if someone stays on average less than one night a week, so a vacancy between tenants counts. Cover for insured events continues.", "then": null, "label": "Extra $1,500 excess after 60 days" }, "id": "landlord-insurance-building", "type_label": "Landlord", "issuers": [ { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "lloyds": false, "slug": "zurich-australian-insurance", "apra": { "status": "authorised", "name": "Zurich Australian 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": "232507", "name": "ZURICH AUSTRALIAN INSURANCE LIMITED", "abn": "13000296640", "acn": null, "licensed_since": "2004-01-31", "locality": "North Sydney NSW 2060", "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": "The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640 (\"ZAIL\", \"we\", \"us\", \"our\", or \"insurer\"), AFSL 232507.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-product-disclosure-statement-HONHH-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640 (\"ZAIL\", \"we\", \"us\", \"our\", or \"insurer\"), AFSL 232507.", "url": "https://honeyinsurance.com.au/documents/honey-insurance-product-disclosure-statement-HONHH-2610.pdf#page=2", "page": 2, "document_sha256": "99528c53032074195ce28bbc3aff01eb173b8e0132813ee6b23b381ee582f606", "confirmed": "2026-11-13" } }, "distributor": { "text": "Insurance administered by Honey Insurance Pty Ltd (ABN 52 643 672 628, AFSL 528244) on behalf of the product issuer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507).", "url": "https://honeyinsurance.com.au/documents/honey-insurance-target-market-determination-household-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Insurance administered by Honey Insurance Pty Ltd (ABN 52 643 672 628, AFSL 528244) on behalf of the product issuer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507).", "url": "https://honeyinsurance.com.au/documents/honey-insurance-target-market-determination-household-2610.pdf#page=1", "page": 1, "document_sha256": "f711ec50918c7c275eee0b8cad7ad45dff8fbfa5aba577676c43d573e65ae99e", "confirmed": "2026-11-13" } } }, "curation_notes": "Honey Insurance Pty Ltd is the administrator/distributor; the October 2026 PDS and TMD name Zurich Australian Insurance Limited as insurer. Earlier Honey policies were issued by RACQ Insurance Limited (earlier documents, e.g. Nov 2023 PDS, are still listed). Honey also sells contents-only and renters cover (not recorded). Documents effective 1 October 2026.", "segments": [ "residential" ], "issuers": [ { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "lloyds": false, "slug": "zurich-australian-insurance", "apra": { "status": "authorised", "name": "Zurich Australian 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": "232507", "name": "ZURICH AUSTRALIAN INSURANCE LIMITED", "abn": "13000296640", "acn": null, "licensed_since": "2004-01-31", "locality": "North Sydney NSW 2060", "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": "528244", "name": "HONEY INSURANCE PTY LTD", "abn": "52643672628", "acn": null, "licensed_since": "2021-04-30", "locality": "The Rocks 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" } }, "page": "https://deepalmanac.com/au/insurance/building/honey/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/honey.json" }, { "slug": "huddle", "name": "Huddle", "website": "https://huddle.com.au/", "kind": "brand", "underwriter": "The Hollard Insurance Company Pty Ltd", "underwriter_abn": "78090584473", "underwriter_afsl": "241436", "lloyds": false, "distributor": { "name": "Open Insurance Pty Ltd (trading as Huddle Insurance)", "abn": "23166949444", "afsl": "451712", "authorised_representative_no": null }, "products": [ { "name": "Huddle Home & Contents Insurance (home building)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [ "Basic Cover", "Comprehensive Cover" ], "eligibility": null, "states": null, "documents": [ { "title": "Home & Contents Insurance Combined PDS and FSG", "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-PDS-Oct-2025.pdf", "date": "2025-10-15" }, { "title": "Huddle Home Key Fact Sheet", "url": "https://api.beopen.com/media/pds/huddle-home/Huddle_Key_fact_sheet_-_building_tDBgqZI.pdf", "date": "2025-10-15" }, { "title": "Home & Contents Insurance TMD (from 2 December 2025)", "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-TMD-Dec-2025.pdf", "date": "2025-12-02" } ], "quotes": { "product": { "text": "Huddle Insurance issues this insurance on behalf of the insurer, The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL No. 241436.", "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-PDS-Oct-2025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Huddle Insurance issues this insurance on behalf of the insurer, The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL No. 241436.", "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-PDS-Oct-2025.pdf#page=2", "page": 2, "document_sha256": "294a0b9ed1a23793c7bad9d299b411482aef4a5fbb9157c5ac8640aac0f30d09", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you choose the maximum level of cover and your payout is limited to that amount (sum insured).", "url": "https://api.beopen.com/media/pds/huddle-home/Huddle_Key_fact_sheet_-_building_tDBgqZI.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Under this policy you choose the maximum level of cover and your payout is limited to that amount (sum insured).", "url": "https://api.beopen.com/media/pds/huddle-home/Huddle_Key_fact_sheet_-_building_tDBgqZI.pdf#page=1", "page": 1, "document_sha256": "f3ed948e1b365722ee0a73275af72420e0d6040609fa8fa1537b4f2df0629084", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood Yes Excludes loss or damage to retaining and/or freestanding outdoor walls, or to loose surfaces of paths and driveways.", "url": "https://api.beopen.com/media/pds/huddle-home/Huddle_Key_fact_sheet_-_building_tDBgqZI.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood Yes Excludes loss or damage to retaining and/or freestanding outdoor walls, or to loose surfaces of paths and driveways.", "url": "https://api.beopen.com/media/pds/huddle-home/Huddle_Key_fact_sheet_-_building_tDBgqZI.pdf#page=1", "page": 1, "document_sha256": "f3ed948e1b365722ee0a73275af72420e0d6040609fa8fa1537b4f2df0629084", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Comprehensive Cover (our highest level of cover) – you get our Basic Cover plus higher limits and cover for accidental damage", "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-PDS-Oct-2025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Comprehensive Cover (our highest level of cover) – you get our Basic Cover plus higher limits and cover for accidental damage", "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-PDS-Oct-2025.pdf#page=5", "page": 5, "document_sha256": "294a0b9ed1a23793c7bad9d299b411482aef4a5fbb9157c5ac8640aac0f30d09", "confirmed": "2026-11-13" } }, "channel": { "text": "The Product is sold through Open via an online quote-line.", "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-TMD-Dec-2025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Product is sold through Open via an online quote-line.", "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-TMD-Dec-2025.pdf#page=10", "page": 10, "document_sha256": "c36bb44a3f8eb942b584fcac4d9329fdf44217070fdc3a3055d8496911fd6013", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "your home being unoccupied for longer than 100 consecutive days. This exclusion will not apply to loss or damage caused by thunderbolt, lightning or earthquake that occurs during the period of unoccupancy;", "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-PDS-Oct-2025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "your home being unoccupied for longer than 100 consecutive days. This exclusion will not apply to loss or damage caused by thunderbolt, lightning or earthquake that occurs during the period of unoccupancy;", "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-PDS-Oct-2025.pdf#page=55", "page": 55, "document_sha256": "294a0b9ed1a23793c7bad9d299b411482aef4a5fbb9157c5ac8640aac0f30d09", "confirmed": "2026-11-13" } } }, "conditions": [ "Accidental damage is covered only on Comprehensive Cover; Basic Cover excludes it." ], "unoccupied": { "days": 100, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": "lightning, earthquake, tsunami, volcanic eruption", "must_tell": true, "conditions": "Unless you told Huddle beforehand and it agreed to cover. While unoccupied the home must also be kept lived-in (lawns, mail, weekly check).", "then": null, "label": "No cover after 100 days (a few events excepted)" }, "id": "home-contents-insurance-home-building", "type_label": "Home building", "issuers": [ { "name": "The Hollard Insurance Company Pty Ltd", "abn": "78090584473", "afsl": "241436", "lloyds": false, "slug": "hollard-insurance", "apra": { "status": "authorised", "name": "Hollard Insurance Company Pty Ltd (The)", "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": "241436", "name": "THE HOLLARD INSURANCE COMPANY PTY LTD", "abn": "78090584473", "acn": null, "licensed_since": "2004-03-11", "locality": "North Sydney NSW 2060", "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": "Huddle Black Home & Contents Insurance (home building)", "type": "home_building", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": "included", "accidental_damage": "included", "levels": [ "Comprehensive Cover" ], "eligibility": null, "states": null, "documents": [ { "title": "Huddle Black Home & Contents Insurance Combined PDS and FSG", "url": "https://api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf", "date": "2025-10-15" } ], "quotes": { "product": { "text": "Huddle Insurance issues this insurance on behalf of the insurer, The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL No. 241436.", "url": "https://api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Huddle Insurance issues this insurance on behalf of the insurer, The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL No. 241436.", "url": "https://api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf#page=2", "page": 2, "document_sha256": "2e0ab6b2c931d2b92d54111bbe10711b13e34d31453c6d105962ef532863c742", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Under you policy we cover Comprehensive Cover including cover for accidental damage.", "url": "https://api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Under you policy we cover Comprehensive Cover including cover for accidental damage.", "url": "https://api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf#page=5", "page": 5, "document_sha256": "2e0ab6b2c931d2b92d54111bbe10711b13e34d31453c6d105962ef532863c742", "confirmed": "2026-11-13" } }, "flood": { "text": "Insured events Flood Loss or damage caused by flood.", "url": "https://api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Insured events Flood Loss or damage caused by flood.", "url": "https://api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf#page=31", "page": 31, "document_sha256": "2e0ab6b2c931d2b92d54111bbe10711b13e34d31453c6d105962ef532863c742", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "your home being unoccupied for longer than 100 consecutive days. This exclusion will not apply to loss or damage caused by thunderbolt, lightning or earthquake that occurs during the period of unoccupancy;", "url": "https://api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "your home being unoccupied for longer than 100 consecutive days. This exclusion will not apply to loss or damage caused by thunderbolt, lightning or earthquake that occurs during the period of unoccupancy;", "url": "https://api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf#page=57", "page": 57, "document_sha256": "2e0ab6b2c931d2b92d54111bbe10711b13e34d31453c6d105962ef532863c742", "confirmed": "2026-11-13" } } }, "conditions": [], "unoccupied": { "days": 100, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": "lightning, earthquake, tsunami, volcanic eruption", "must_tell": true, "conditions": "Unless you told Huddle beforehand and it agreed to cover. While unoccupied the home must also be kept lived-in (lawns, mail, weekly check).", "then": null, "label": "No cover after 100 days (a few events excepted)" }, "id": "black-home-contents-insurance-home-building", "type_label": "Home building", "issuers": [ { "name": "The Hollard Insurance Company Pty Ltd", "abn": "78090584473", "afsl": "241436", "lloyds": false, "slug": "hollard-insurance", "apra": { "status": "authorised", "name": "Hollard Insurance Company Pty Ltd (The)", "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": "241436", "name": "THE HOLLARD INSURANCE COMPANY PTY LTD", "abn": "78090584473", "acn": null, "licensed_since": "2004-03-11", "locality": "North Sydney NSW 2060", "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": "Our car and home insurance is issued by Huddle Insurance, a business name of Open Insurance Pty Ltd, ABN 23 166 949 444, AFSL no. 451712 on behalf of the insurer, The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473, AFSL no. 241436.", "url": "https://www.huddleinsurance.com/au/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Our car and home insurance is issued by Huddle Insurance, a business name of Open Insurance Pty Ltd, ABN 23 166 949 444, AFSL no. 451712 on behalf of the insurer, The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473, AFSL no. 241436.", "url": "https://www.huddleinsurance.com/au/home-insurance#:~:text=Our%20car%20and%20home%20insurance,584%20473%2C%20AFSL%20no.%20241436.", "document_sha256": "25bce71e6c3f10781bd926289f0eb3e5e5ef0aa6e58fe43b9b059f0eed7bbd61", "confirmed": "2026-11-13" } }, "distributor": { "text": "Our car and home insurance is issued by Huddle Insurance, a business name of Open Insurance Pty Ltd, ABN 23 166 949 444, AFSL no. 451712 on behalf of the insurer, The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473, AFSL no. 241436.", "url": "https://www.huddleinsurance.com/au/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Our car and home insurance is issued by Huddle Insurance, a business name of Open Insurance Pty Ltd, ABN 23 166 949 444, AFSL no. 451712 on behalf of the insurer, The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473, AFSL no. 241436.", "url": "https://www.huddleinsurance.com/au/home-insurance#:~:text=Our%20car%20and%20home%20insurance,584%20473%2C%20AFSL%20no.%20241436.", "document_sha256": "25bce71e6c3f10781bd926289f0eb3e5e5ef0aa6e58fe43b9b059f0eed7bbd61", "confirmed": "2026-11-13" } } }, "curation_notes": "Huddle Insurance is a business name of Open Insurance Pty Ltd, which issues the policy on behalf of Hollard (an agency arrangement; Open acts as agent of Hollard). Telstra is a promoter. Huddle also lists IBO (Amway) variants; no landlord product was found. Huddle Black's cover basis was not read and is left blank. The site's own link text pointed to home PDS dated Oct 2025 with a March 2026 summary of changes.", "segments": [ "residential" ], "issuers": [ { "name": "The Hollard Insurance Company Pty Ltd", "abn": "78090584473", "afsl": "241436", "lloyds": false, "slug": "hollard-insurance", "apra": { "status": "authorised", "name": "Hollard Insurance Company Pty Ltd (The)", "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": "241436", "name": "THE HOLLARD INSURANCE COMPANY PTY LTD", "abn": "78090584473", "acn": null, "licensed_since": "2004-03-11", "locality": "North Sydney NSW 2060", "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": "451712", "name": "OPEN INSURANCE PTY LTD", "abn": "23166949444", "acn": null, "licensed_since": "2014-05-21", "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" } }, "page": "https://deepalmanac.com/au/insurance/building/huddle/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/huddle.json" }, { "slug": "hutch", "name": "Hutch Underwriting", "website": "https://hutchunderwriting.com.au/", "kind": "underwriting_agency", "underwriter": "Certain underwriters at Lloyd's (led by Arch Underwriting at Lloyd's (Australia) Pty Ltd, Syndicate 2012)", "underwriter_abn": null, "underwriter_afsl": null, "lloyds": true, "distributor": { "name": "Hutch Underwriting Pty Ltd", "abn": "84655256134", "afsl": "523647", "authorised_representative_no": "001296345" }, "products": [ { "name": "Hutch Residential Strata Plan", "type": "residential_strata", "segment": "residential", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "eligibility": "Schemes that are 80% or more residential by floor space (up to 20% commercial); building sum insured up to $20M.", "states": null, "documents": [ { "title": "Residential Strata Plan PDS HRS9 (effective 20 May 2026)", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Strata/HRS9/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS9.pdf", "date": "2026-05-20" }, { "title": "Fact sheet HRS9", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Strata/HRS9/Hutch%20Residential%20Strata%20Product%20Fact%20Sheet%20HRS9.pdf", "date": null }, { "title": "Policy document library", "url": "https://hutchunderwriting.com.au/policy-document-library", "date": null } ], "quotes": { "product": { "text": "Hutch’s Residential Strata policy protects bodies corporate from Property and Liability claims.", "url": "https://hutchunderwriting.com.au/strata-insurance/residential", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Hutch’s Residential Strata policy protects bodies corporate from Property and Liability claims.", "url": "https://hutchunderwriting.com.au/strata-insurance/residential#:~:text=Hutch%E2%80%99s%20Residential%20Strata%20policy%20protects,from%20Property%20and%20Liability%20claims.", "document_sha256": "ecbdf89cc83966465f6b588478d8ee86888074a81ff9ac7dc7884d2dd2e2d288", "confirmed": "2026-11-13" } }, "channel": { "text": "We only accept quotes via Ebix Sunrise Exchange (HUTSTR) and SCTP.", "url": "https://hutchunderwriting.com.au/strata-insurance/residential", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We only accept quotes via Ebix Sunrise Exchange (HUTSTR) and SCTP.", "url": "https://hutchunderwriting.com.au/strata-insurance/residential#:~:text=We%20only%20accept%20quotes%20via,Sunrise%20Exchange%20%28HUTSTR%29%20and%20SCTP.", "document_sha256": "ecbdf89cc83966465f6b588478d8ee86888074a81ff9ac7dc7884d2dd2e2d288", "confirmed": "2026-11-13" } }, "flood": { "text": "Optional Cover 1 – Flood", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Strata/HRS9/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS9.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Optional Cover 1 – Flood", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Strata/HRS9/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS9.pdf#page=17", "page": 17, "document_sha256": "ea2b200f3921e32bcd2da05b0a14ec4448258fb7a28d36d9e83cdf6b447161d2", "confirmed": "2026-11-13" } }, "eligibility": { "text": "For schemes that are 80% or more residential by floor space.", "url": "https://hutchunderwriting.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "For schemes that are 80% or more residential by floor space.", "url": "https://hutchunderwriting.com.au/#:~:text=For%20schemes%20that%20are%2080%25,more%20residential%20by%20floor%20space.", "document_sha256": "e7a5a64d7c36ad02c032a08f059119e2913bf87b567bcfb7adf15f01431e4968", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Any Insured Property left unoccupied for a period of 60 consecutive days in circumstances where You have not informed Us or Hutch of this fact and have not obtained Our written agreement for the cover of this Policy to continue beyond that period.", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Strata/HRS9/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS9.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Any Insured Property left unoccupied for a period of 60 consecutive days in circumstances where You have not informed Us or Hutch of this fact and have not obtained Our written agreement for the cover of this Policy to continue beyond that period.", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Strata/HRS9/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS9.pdf#page=13", "page": 13, "document_sha256": "ea2b200f3921e32bcd2da05b0a14ec4448258fb7a28d36d9e83cdf6b447161d2", "confirmed": "2026-11-13" } } }, "conditions": [ "Flood is an optional cover 'where available'.", "TMD for the strata plan not found on the policy library page (landlord TMDs are listed)." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unless you told the insurer or Hutch and got written agreement for cover to continue.", "then": null, "label": "No cover after 60 days" }, "id": "residential-strata-plan", "type_label": "Residential strata", "issuers": [ { "name": "Certain underwriters at Lloyd's (led by Arch Underwriting at Lloyd's (Australia) Pty Ltd, Syndicate 2012)", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] }, { "name": "Hutch Commercial Strata", "type": "commercial_strata", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "eligibility": "Schemes that are more than 20% commercial by floor space; buildings and common contents up to $25M combined sum insured.", "states": null, "documents": [ { "title": "Commercial Strata PDS HCS1", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Strata/Commercial/HCS1/Hutch%20Commercial%20Strata%20Product%20Disclosure%20Statement%20HCS1.pdf", "date": null }, { "title": "Policy document library", "url": "https://hutchunderwriting.com.au/policy-document-library", "date": null } ], "quotes": { "product": { "text": "Commercial Strata For schemes that are more than 20% commercial by floor space.", "url": "https://hutchunderwriting.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Commercial Strata For schemes that are more than 20% commercial by floor space.", "url": "https://hutchunderwriting.com.au/#:~:text=Commercial%20Strata%20For%20schemes%20that,20%25%20commercial%20by%20floor%20space.", "document_sha256": "e7a5a64d7c36ad02c032a08f059119e2913bf87b567bcfb7adf15f01431e4968", "confirmed": "2026-11-13" } }, "channel": { "text": "Hutch Commercial Strata is available via Ebix Sunrise Exchange.", "url": "https://hutchunderwriting.com.au/strata-insurance/commercial", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Hutch Commercial Strata is available via Ebix Sunrise Exchange.", "url": "https://hutchunderwriting.com.au/strata-insurance/commercial#:~:text=Hutch%20Commercial%20Strata%20is%20available%20via%20Ebix%20Sunrise%20Exchange.", "document_sha256": "6c74687382cefe82355d8f1f885ad3e0821220853d520fe8a6eb35d017aaff4d", "confirmed": "2026-11-13" } }, "flood": { "text": "Optional Cover 1 – Flood", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Strata/Commercial/HCS1/Hutch%20Commercial%20Strata%20Product%20Disclosure%20Statement%20HCS1.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Optional Cover 1 – Flood", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Strata/Commercial/HCS1/Hutch%20Commercial%20Strata%20Product%20Disclosure%20Statement%20HCS1.pdf#page=21", "page": 21, "document_sha256": "81f12f720d79f5af10f355156f34dfbc927912cc67608388f761d2cad92257b2", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Buildings & common contents – Up to $25M Combined Sum Insured", "url": "https://hutchunderwriting.com.au/strata-insurance/commercial", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Buildings & common contents – Up to $25M Combined Sum Insured", "url": "https://hutchunderwriting.com.au/strata-insurance/commercial#:~:text=Buildings%20%26%20common%20contents%20%E2%80%93,to%20%2425M%20Combined%20Sum%20Insured", "document_sha256": "6c74687382cefe82355d8f1f885ad3e0821220853d520fe8a6eb35d017aaff4d", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Any Building or Common Area or Unit of the Situation being left unoccupied for a period of more than 60 consecutive days;", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Strata/Commercial/HCS1/Hutch%20Commercial%20Strata%20Product%20Disclosure%20Statement%20HCS1.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Any Building or Common Area or Unit of the Situation being left unoccupied for a period of more than 60 consecutive days;", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Strata/Commercial/HCS1/Hutch%20Commercial%20Strata%20Product%20Disclosure%20Statement%20HCS1.pdf#page=17", "page": 17, "document_sha256": "81f12f720d79f5af10f355156f34dfbc927912cc67608388f761d2cad92257b2", "confirmed": "2026-11-13" } } }, "conditions": [], "unoccupied": { "days": 60, "effect": "insurer_may_change", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Only a duty to notify a building, common area or unit left unoccupied over 60 days; the policy states no automatic consequence.", "then": null, "label": "Tell the insurer after 60 days" }, "id": "commercial-strata", "type_label": "Commercial strata", "issuers": [ { "name": "Certain underwriters at Lloyd's (led by Arch Underwriting at Lloyd's (Australia) Pty Ltd, Syndicate 2012)", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] }, { "name": "Hutch Residential Landlord Insurance", "type": "landlord", "segment": "residential", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": "included", "levels": [], "eligibility": "Landlords who lease residential properties on a short or long-term basis.", "states": null, "documents": [ { "title": "Residential Landlords PDS HLL2 (effective 20 May 2026)", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL2/Hutch%20Residential%20Landlords%20Product%20Disclosure%20Statement%20HLL2.pdf", "date": "2026-05-20" }, { "title": "Residential Landlords TMD HLL2 (effective 20 May 2026)", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL2/Hutch%20Residential%20Landlords%20TMD%20HLL2.pdf", "date": "2026-05-20" } ], "quotes": { "product": { "text": "Hutch Residential Landlord Insurance is built for landlords who lease residential properties on a short or long-term basis.", "url": "https://hutchunderwriting.com.au/landlord-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Hutch Residential Landlord Insurance is built for landlords who lease residential properties on a short or long-term basis.", "url": "https://hutchunderwriting.com.au/landlord-insurance#:~:text=Hutch%20Residential%20Landlord%20Insurance%20is,a%20short%20or%20long%2Dterm%20basis.", "document_sha256": "59dac608e754d894b6105b49a1b0d11223d54a247e51fbb668474c101cd7a058", "confirmed": "2026-11-13" } }, "channel": { "text": "Your insurance broker will arrange this insurance for you on your behalf.", "url": "https://hutchunderwriting.com.au/landlord-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Your insurance broker will arrange this insurance for you on your behalf.", "url": "https://hutchunderwriting.com.au/landlord-insurance#:~:text=Your%20insurance%20broker%20will%20arrange,for%20you%20on%20your%20behalf.", "document_sha256": "59dac608e754d894b6105b49a1b0d11223d54a247e51fbb668474c101cd7a058", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Reinstatement of Building or Contents or both (as selected) as a result of Accidental Damage, Deliberate or Intentional Damage, Malicious Damage or Theft to the Insured Property.", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL2/Hutch%20Residential%20Landlords%20Product%20Disclosure%20Statement%20HLL2.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Reinstatement of Building or Contents or both (as selected) as a result of Accidental Damage, Deliberate or Intentional Damage, Malicious Damage or Theft to the Insured Property.", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL2/Hutch%20Residential%20Landlords%20Product%20Disclosure%20Statement%20HLL2.pdf#page=10", "page": 10, "document_sha256": "fa5ade26377f874f619b33cec59a6ac9c89cbe1deb277d7d11443c570dd2b58e", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Hutch Residential Landlord Insurance is built for landlords who lease residential properties on a short or long-term basis.", "url": "https://hutchunderwriting.com.au/landlord-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Hutch Residential Landlord Insurance is built for landlords who lease residential properties on a short or long-term basis.", "url": "https://hutchunderwriting.com.au/landlord-insurance#:~:text=Hutch%20Residential%20Landlord%20Insurance%20is,a%20short%20or%20long%2Dterm%20basis.", "document_sha256": "59dac608e754d894b6105b49a1b0d11223d54a247e51fbb668474c101cd7a058", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Unoccupied for a period of more than 90 days or we have not agreed to the unoccupancy period in writing, your cover will be limited to earthquake, named cyclone, tsunami and volcanic eruption, impact damage, riot and electric motor burnout", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL2/Hutch%20Residential%20Landlords%20Product%20Disclosure%20Statement%20HLL2.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Unoccupied for a period of more than 90 days or we have not agreed to the unoccupancy period in writing, your cover will be limited to earthquake, named cyclone, tsunami and volcanic eruption, impact damage, riot and electric motor burnout", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Landlords/HLL2/Hutch%20Residential%20Landlords%20Product%20Disclosure%20Statement%20HLL2.pdf#page=24", "page": 24, "document_sha256": "fa5ade26377f874f619b33cec59a6ac9c89cbe1deb277d7d11443c570dd2b58e", "confirmed": "2026-11-13" } } }, "conditions": [], "unoccupied": { "days": 90, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": "earthquake, named cyclone, tsunami, volcanic eruption, impact, riot, electric motor burnout", "must_tell": true, "conditions": "Unless you told Hutch and it agreed in writing; then the excess is at least $1,000 (over 90 days) or $2,500 (over 180 days).", "then": null, "label": "No cover after 90 days (a few events excepted)" }, "id": "residential-landlord-insurance", "type_label": "Landlord", "issuers": [ { "name": "Certain underwriters at Lloyd's (led by Arch Underwriting at Lloyd's (Australia) Pty Ltd, Syndicate 2012)", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] } ], "quotes": { "underwriter": { "text": "This Policy is insured by certain underwriters at Lloyd's, led by Arch Underwriting at Lloyd’s (Australia) Pty Ltd, Syndicate 2012.", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Strata/HRS9/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS9.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Policy is insured by certain underwriters at Lloyd's, led by Arch Underwriting at Lloyd’s (Australia) Pty Ltd, Syndicate 2012.", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Strata/HRS9/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS9.pdf#page=5", "page": 5, "document_sha256": "ea2b200f3921e32bcd2da05b0a14ec4448258fb7a28d36d9e83cdf6b447161d2", "confirmed": "2026-11-13" } }, "distributor": { "text": "Hutch Underwriting Pty Ltd ABN 84 655 256 134, authorised representative number 001 296 345 (Hutch Underwriting) is an authorised representative of CoverRadar Group Pty Ltd ABN 14 641 225 809, AFS Licence number 523647", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Strata/HRS9/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS9.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Hutch Underwriting Pty Ltd ABN 84 655 256 134, authorised representative number 001 296 345 (Hutch Underwriting) is an authorised representative of CoverRadar Group Pty Ltd ABN 14 641 225 809, AFS Licence number 523647", "url": "https://hutchunderwriting.com.au/hubfs/PDFs/Strata/HRS9/Hutch%20Residential%20Strata%20Plan%20Product%20Disclosure%20Statement%20HRS9.pdf#page=5", "page": 5, "document_sha256": "ea2b200f3921e32bcd2da05b0a14ec4448258fb7a28d36d9e83cdf6b447161d2", "confirmed": "2026-11-13" } } }, "curation_notes": "Hutch is a Lloyd's coverholder; the AFSL given is CoverRadar Group's (Hutch is its authorised representative). The residential strata PDS says Hutch acts for the Lloyd's insurers; commercial strata PDS assumed to share the same Lloyd's capacity but its underwriter text was not separately quoted. Only broker channel found.", "segments": [ "residential", "commercial" ], "issuers": [ { "name": "Certain underwriters at Lloyd's (led by Arch Underwriting at Lloyd's (Australia) Pty Ltd, Syndicate 2012)", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ], "distributor_licence": { "afsl": "523647", "name": "COVERRADAR GROUP PTY LTD", "abn": "14641225809", "acn": null, "licensed_since": "2021-02-05", "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" } }, "page": "https://deepalmanac.com/au/insurance/building/hutch/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/hutch.json" }, { "slug": "imb-bank", "name": "IMB Bank", "website": "https://www.imb.com.au/", "kind": "brand", "underwriter": "Allianz Australia Insurance Limited", "underwriter_abn": "15000122850", "underwriter_afsl": "234708", "lloyds": false, "distributor": { "name": "IMB (trading as IMB Bank)", "abn": "92087651974", "afsl": "237391", "authorised_representative_no": null }, "products": [ { "name": "IMB Bank Home Insurance (home and contents policy, building cover)", "type": "home_building", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": "optional", "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Product Disclosure Statement", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open", "date": "2024-09-01" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyHomeB4580924/$FILE/KFSALSimplifyHomeB458.pdf?open", "date": "2024-09-01" } ], "quotes": { "product": { "text": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open#page=2", "page": 2, "document_sha256": "38d512b112740fca864b6de5ca669c32ba7883a7db49a89f3833fc8535100640", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyHomeB4580924/$FILE/KFSALSimplifyHomeB458.pdf?open", "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://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyHomeB4580924/$FILE/KFSALSimplifyHomeB458.pdf?open#page=1", "page": 1, "document_sha256": "53a55fd2d4ed36926c5bac302b481610fddf8e29bef4e1795549eced95b197f6", "confirmed": "2026-11-13" } }, "flood": { "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyHomeB4580924/$FILE/KFSALSimplifyHomeB458.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyHomeB4580924/$FILE/KFSALSimplifyHomeB458.pdf?open#page=1", "page": 1, "document_sha256": "53a55fd2d4ed36926c5bac302b481610fddf8e29bef4e1795549eced95b197f6", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "What does it mean if I take the Accidental Damage cover option? This option can cover you against damage caused by sudden, unforeseen and unintended events", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open", "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 option can cover you against damage caused by sudden, unforeseen and unintended events", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open#page=7", "page": 7, "document_sha256": "38d512b112740fca864b6de5ca669c32ba7883a7db49a89f3833fc8535100640", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open#page=58", "page": 58, "document_sha256": "38d512b112740fca864b6de5ca669c32ba7883a7db49a89f3833fc8535100640", "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 on building cover." ], "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-insurance-home-and-contents-policy-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": "IMB Bank 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 Product Disclosure Statement", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1390FI102420251221/$FILE/POL1390FI.pdf?open", "date": "2024-09-01" }, { "title": "Key Facts Sheet - Landlord Building", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyLandlordB4580924/$FILE/KFSALSimplifyLandlordB458.pdf?open", "date": "2024-09-01" } ], "quotes": { "product": { "text": "The insurer of this Landlord Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1390FI102420251221/$FILE/POL1390FI.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Landlord Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1390FI102420251221/$FILE/POL1390FI.pdf?open#page=2", "page": 2, "document_sha256": "803768f9a8b8581191ee86dd640bdb68396811886c8718175dc0f966b4bb753c", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyLandlordB4580924/$FILE/KFSALSimplifyLandlordB458.pdf?open", "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://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyLandlordB4580924/$FILE/KFSALSimplifyLandlordB458.pdf?open#page=1", "page": 1, "document_sha256": "9186e78d39bd6a5fa51df59965eb7f8989d3b5e28050eb584ec894cdb7bf4a43", "confirmed": "2026-11-13" } }, "flood": { "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyLandlordB4580924/$FILE/KFSALSimplifyLandlordB458.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyLandlordB4580924/$FILE/KFSALSimplifyLandlordB458.pdf?open#page=1", "page": 1, "document_sha256": "9186e78d39bd6a5fa51df59965eb7f8989d3b5e28050eb584ec894cdb7bf4a43", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1390FI102420251221/$FILE/POL1390FI.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/POL1390FI102420251221/$FILE/POL1390FI.pdf?open#page=58", "page": 58, "document_sha256": "803768f9a8b8581191ee86dd640bdb68396811886c8718175dc0f966b4bb753c", "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 for the landlord policy was not stated in the documents read, so it is left blank." ], "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": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open#page=2", "page": 2, "document_sha256": "38d512b112740fca864b6de5ca669c32ba7883a7db49a89f3833fc8535100640", "confirmed": "2026-11-13" } }, "distributor": { "text": "IMB trading as IMB Bank ABN 92 087 651 974, AFSL/Australian Credit Licence No. 237 391 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).", "url": "https://www.imb.com.au/insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "IMB trading as IMB Bank ABN 92 087 651 974, AFSL/Australian Credit Licence No. 237 391 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).", "url": "https://www.imb.com.au/insurance#:~:text=IMB%20trading%20as%20IMB%20Bank,122%20850%20AFSL%20234708%20%28Allianz%29.", "document_sha256": "99bd5afd78d005358d0559d04b2e499fbe259df3dfc174f4692c74e2dae80cb0", "confirmed": "2026-11-13" } } }, "curation_notes": "IMB's policy documents page (allianzsecure.com.au/imb-bank/policy-documents.html) links the generic Allianz partner PDS (POL1368FI), which names no distributor; the distributor statement is quoted from imb.com.au.", "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": "237391", "name": "IMB LTD", "abn": "92087651974", "acn": null, "licensed_since": "2003-12-01", "locality": "Wollongong NSW 2500", "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/imb-bank/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/imb-bank.json" }, { "slug": "ing", "name": "ING", "website": "https://www.ing.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 (ING Bank (Australia) Ltd is its authorised representative)", "abn": "61003617909", "afsl": "241411", "authorised_representative_no": "1247634" }, "products": [ { "name": "ING 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://ing.disconline.com.au/branding/resources/EXIG/legal/home/HPDSEXIG.pdf", "date": "2023-09-21" }, { "title": "Key Facts Sheet - Home Building", "url": "https://ing.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf", "date": "2023-09-21" }, { "title": "Supplementary PDS (October 2026)", "url": "https://www.ing.com.au/pdf/Insurance/ing_home_insurance_supplementary_pds_spds_october_2026.pdf", "date": "2026-10-07" }, { "title": "Target Market Determination", "url": "https://ing.disconline.com.au/branding/resources/EXIG/legal/home/TMD.pdf", "date": null } ], "quotes": { "product": { "text": "ING Home and Contents Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 as insurer.", "url": "https://www.ing.com.au/insurance/home-and-contents-insurance.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "ING Home and Contents Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 as insurer.", "url": "https://www.ing.com.au/insurance/home-and-contents-insurance.html#:~:text=ING%20Home%20and%20Contents%20Insurance,353%20AFSL%20285571%20as%20insurer.", "document_sha256": "2a18212fe7b7d7eacd83ce7cf40035fdf8bda239e05104017973febd918a793e", "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://ing.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://ing.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://ing.disconline.com.au/branding/resources/EXIG/legal/home/HPDSEXIG.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://ing.disconline.com.au/branding/resources/EXIG/legal/home/HPDSEXIG.pdf#page=9", "page": 9, "document_sha256": "e74a9aadd9a406ac511c84ce1525264de9ae73d04ef8c5d9f179b278f505d434", "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://ing.disconline.com.au/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://ing.disconline.com.au/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://ing.disconline.com.au/branding/resources/EXIG/legal/home/HPDSEXIG.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://ing.disconline.com.au/branding/resources/EXIG/legal/home/HPDSEXIG.pdf#page=16", "page": 16, "document_sha256": "e74a9aadd9a406ac511c84ce1525264de9ae73d04ef8c5d9f179b278f505d434", "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": "ING Home and Contents Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 as insurer.", "url": "https://www.ing.com.au/insurance/home-and-contents-insurance.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "ING Home and Contents Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 as insurer.", "url": "https://www.ing.com.au/insurance/home-and-contents-insurance.html#:~:text=ING%20Home%20and%20Contents%20Insurance,353%20AFSL%20285571%20as%20insurer.", "document_sha256": "2a18212fe7b7d7eacd83ce7cf40035fdf8bda239e05104017973febd918a793e", "confirmed": "2026-11-13" } }, "distributor": { "text": "It is distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and by ING Bank (Australia) Ltd ABN 24 000 893 292 as Authorised Representative 1247634 of AGS.", "url": "https://www.ing.com.au/insurance/home-and-contents-insurance.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "It is distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and by ING Bank (Australia) Ltd ABN 24 000 893 292 as Authorised Representative 1247634 of AGS.", "url": "https://www.ing.com.au/insurance/home-and-contents-insurance.html#:~:text=It%20is%20distributed%20by%20Auto,Authorised%20Representative%201247634%20of%20AGS.", "document_sha256": "2a18212fe7b7d7eacd83ce7cf40035fdf8bda239e05104017973febd918a793e", "confirmed": "2026-11-13" } } }, "curation_notes": "ING's PDS is dated 21 September 2023, with a Supplementary PDS dated 7 October 2026 (changes to strata/body-corporate item cover and landlord options; no flood change). ING sells home and contents only; the 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": { "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/ing/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/ing.json" }, { "slug": "insurance-investment-solutions", "name": "Insurance Investment Solutions", "website": "https://is-insurance.com.au/", "kind": "underwriting_agency", "underwriter": "Certain underwriters at Lloyd's", "underwriter_abn": null, "underwriter_afsl": null, "lloyds": true, "distributor": { "name": "Insurance Investment Solutions (trading as isStrata)", "abn": "94604594345", "afsl": "487177", "authorised_representative_no": null }, "products": [ { "name": "isStrata Residential Strata Insurance (Lloyd's edition)", "type": "residential_strata", "segment": "residential", "channel": "broker", "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Residential Strata PDS RSTRATALLOYDS 2.0 (March 2022)", "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-002-IS-STRATA-Residential-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-RSTRATALLOYDS-2.0-03.2022_compressed.pdf", "date": "2022-03-01" } ], "quotes": { "product": { "text": "isStrata Residential Strata Insurance Policy Wording and Product Disclosure Statement (PDS) RSTRATALLOYDS 2.0 03 2022", "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-002-IS-STRATA-Residential-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-RSTRATALLOYDS-2.0-03.2022_compressed.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "isStrata Residential Strata Insurance Policy Wording and Product Disclosure Statement (PDS) RSTRATALLOYDS 2.0 03 2022", "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-002-IS-STRATA-Residential-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-RSTRATALLOYDS-2.0-03.2022_compressed.pdf#page=2", "page": 2, "document_sha256": "79219116b0c9ceace19c2079293f0f4644679983af951cdaacb43d26684d951f", "confirmed": "2026-11-13" } }, "channel": { "text": "Purpose-built for brokers, coverholders and reinsurers, our is-Strata and is-Propert y insurance products combine underwriting expertise with smart technology", "url": "https://is-insurance.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Purpose-built for brokers, coverholders and reinsurers, our is-Strata and is-Propert y insurance products combine underwriting expertise with smart technology", "url": "https://is-insurance.com.au/#:~:text=Purpose%2Dbuilt%20for%20brokers%2C%20coverholders%20and,underwriting%20expertise%20with%20smart%20technology", "document_sha256": "c469269bd6cd71e44476ccb81d61ac37ea59187a529c50737bc18b833e27a6e1", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood unless covered under the Flood Optional Benefit", "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-002-IS-STRATA-Residential-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-RSTRATALLOYDS-2.0-03.2022_compressed.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood unless covered under the Flood Optional Benefit", "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-002-IS-STRATA-Residential-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-RSTRATALLOYDS-2.0-03.2022_compressed.pdf#page=18", "page": 18, "document_sha256": "79219116b0c9ceace19c2079293f0f4644679983af951cdaacb43d26684d951f", "confirmed": "2026-11-13" } } }, "conditions": [], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "isstrata-residential-strata-insurance-lloyd-s-edition", "type_label": "Residential strata", "issuers": [ { "name": "Certain underwriters at Lloyd's", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] }, { "name": "isStrata Commercial Strata Insurance (Lloyd's edition)", "type": "commercial_strata", "segment": "commercial", "channel": "broker", "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Commercial Strata PDS CSTRATALLOYDS 2.0 (March 2022)", "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-001-IS-STRATA-Commercial-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-CSTRATALLOYDS-2.0-03.2022-1_compressed.pdf", "date": "2022-03-01" } ], "quotes": { "product": { "text": "We offer insurance for all strata risks, including: Residential Strata Insurance Commercial Strata Insurance", "url": "https://is-insurance.com.au/strata-insurance/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We offer insurance for all strata risks, including: Residential Strata Insurance Commercial Strata Insurance", "url": "https://is-insurance.com.au/strata-insurance/#:~:text=We%20offer%20insurance%20for%20all,Strata%20Insurance%20Commercial%20Strata%20Insurance", "document_sha256": "6fb6af9d79816cf681ffab774d7341f84d711b6da5df2db323fcd8c305cb2ffe", "confirmed": "2026-11-13" } }, "channel": { "text": "Purpose-built for brokers, coverholders and reinsurers, our is-Strata and is-Propert y insurance products combine underwriting expertise with smart technology", "url": "https://is-insurance.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Purpose-built for brokers, coverholders and reinsurers, our is-Strata and is-Propert y insurance products combine underwriting expertise with smart technology", "url": "https://is-insurance.com.au/#:~:text=Purpose%2Dbuilt%20for%20brokers%2C%20coverholders%20and,underwriting%20expertise%20with%20smart%20technology", "document_sha256": "c469269bd6cd71e44476ccb81d61ac37ea59187a529c50737bc18b833e27a6e1", "confirmed": "2026-11-13" } } }, "conditions": [], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "isstrata-commercial-strata-insurance-lloyd-s-edition", "type_label": "Commercial strata", "issuers": [ { "name": "Certain underwriters at Lloyd's", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] } ], "quotes": { "underwriter": { "text": "any summons, notice or process to be served upon the Insurers may be served upon: Lloyd’s Australia Limited Level 16, Suite 1603, 1 Macquarie Place, Sydney NSW 2000", "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-002-IS-STRATA-Residential-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-RSTRATALLOYDS-2.0-03.2022_compressed.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "any summons, notice or process to be served upon the Insurers may be served upon: Lloyd’s Australia Limited Level 16, Suite 1603, 1 Macquarie Place, Sydney NSW 2000", "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-002-IS-STRATA-Residential-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-RSTRATALLOYDS-2.0-03.2022_compressed.pdf#page=7", "page": 7, "document_sha256": "79219116b0c9ceace19c2079293f0f4644679983af951cdaacb43d26684d951f", "confirmed": "2026-11-13" } }, "distributor": { "text": "isStrata is a trading name of Insurance Investment Solutions (IIS), ABN 94 604 594 345 AFSL 487177.", "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-002-IS-STRATA-Residential-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-RSTRATALLOYDS-2.0-03.2022_compressed.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "isStrata is a trading name of Insurance Investment Solutions (IIS), ABN 94 604 594 345 AFSL 487177.", "url": "https://is-insurance.com.au/wp-content/uploads/2023/12/234-002-IS-STRATA-Residential-Strata-Insurance-Policy-Wording-and-Product-Disclosure-Statement-RSTRATALLOYDS-2.0-03.2022_compressed.pdf#page=5", "page": 5, "document_sha256": "79219116b0c9ceace19c2079293f0f4644679983af951cdaacb43d26684d951f", "confirmed": "2026-11-13" } } }, "curation_notes": "PDS documents on the site are dated 2021-2022; the site also lists older Chubb-backed and other editions (SURA/ Chubb versions, 2021). Current underwriter for new business not confirmed; Lloyd's edition used. Brokers/coverholders only.", "segments": [ "residential", "commercial" ], "issuers": [ { "name": "Certain underwriters at Lloyd's", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ], "distributor_licence": { "afsl": "487177", "name": "INSURANCE INVESTMENT SOLUTIONS PTY LTD", "abn": "94604594345", "acn": null, "licensed_since": "2016-10-21", "locality": "Burradoo NSW 2576", "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/insurance-investment-solutions/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/insurance-investment-solutions.json" }, { "slug": "liberty", "name": "Liberty Specialty Markets", "website": "https://www.libertyinternational.com/au/", "kind": "insurer", "underwriter": "Liberty Mutual Insurance Company", "underwriter_abn": "61086083605", "underwriter_afsl": "530842", "lloyds": false, "distributor": null, "products": [ { "name": "Liberty Commercial Property", "type": "isr", "segment": "industrial", "channel": null, "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Businesses or enterprises with assets valued from $20m, capacity up to $150m per risk, declared values up to $500m.", "states": null, "documents": [ { "title": "Commercial Property insurance product profile", "url": "https://www.libertyinternational.com/get-document/6c08f115-7a08-4716-93c2-2856e525dfe8", "date": null }, { "title": "Commercial Property Fast Track claims", "url": "https://www.libertyinternational.com/get-document/f43dcc51-1113-402d-a107-c6626f4643d9", "date": null } ], "quotes": { "product": { "text": "Liberty offers protection against the financial costs of repair, machinery breakdown and loss of revenue caused by business interruption due to fire, storm and other insured perils.", "url": "https://www.libertyinternational.com/au/product/product-property", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Liberty offers protection against the financial costs of repair, machinery breakdown and loss of revenue caused by business interruption due to fire, storm and other insured perils.", "url": "https://www.libertyinternational.com/au/product/product-property#:~:text=Liberty%20offers%20protection%20against%20the,storm%20and%20other%20insured%20perils.", "document_sha256": "ea276f695b209c9e01ce6f2e762513ee638c8e5c0984547b1bd8657737e8d8e4", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Designed to protect a range of businesses or enterprises with assets valued from $20m with a capacity up to $150m per risk", "url": "https://www.libertyinternational.com/au/product/product-property", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Designed to protect a range of businesses or enterprises with assets valued from $20m with a capacity up to $150m per risk", "url": "https://www.libertyinternational.com/au/product/product-property#:~:text=Designed%20to%20protect%20a%20range,up%20to%20%24150m%20per%20risk", "document_sha256": "ea276f695b209c9e01ce6f2e762513ee638c8e5c0984547b1bd8657737e8d8e4", "confirmed": "2026-11-13" } } }, "conditions": [ "Product Profile PDF offered for download on the page; link not captured." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "commercial-property", "type_label": "Industrial special risks (ISR)", "issuers": [ { "name": "Liberty Mutual Insurance Company", "abn": "61086083605", "afsl": "530842", "lloyds": false, "slug": "liberty-mutual-insurance", "apra": { "status": "authorised", "name": "Liberty Mutual Insurance Company", "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": "530842", "name": "LIBERTY MUTUAL INSURANCE COMPANY", "abn": "61086083605", "acn": null, "licensed_since": "2021-12-09", "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": false, "disagreements": [] } } ] }, { "name": "Liberty Corporate Property", "type": "isr", "segment": "industrial", "channel": null, "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Risks with policy Limit of Liability in excess of $150m and declared values in excess of $500m.", "states": null, "documents": [], "quotes": { "product": { "text": "Corporate Property", "url": "https://www.libertyinternational.com/au/product/product-property", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Corporate Property", "url": "https://www.libertyinternational.com/au/product/product-property#:~:text=Corporate%20Property", "document_sha256": "ea276f695b209c9e01ce6f2e762513ee638c8e5c0984547b1bd8657737e8d8e4", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Risks with policy Limit of Liability in excess of $150m and declared values in excess of $500m", "url": "https://www.libertyinternational.com/au/product/product-property", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Risks with policy Limit of Liability in excess of $150m and declared values in excess of $500m", "url": "https://www.libertyinternational.com/au/product/product-property#:~:text=Risks%20with%20policy%20Limit%20of,values%20in%20excess%20of%20%24500m", "document_sha256": "ea276f695b209c9e01ce6f2e762513ee638c8e5c0984547b1bd8657737e8d8e4", "confirmed": "2026-11-13" } } }, "conditions": [], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "corporate-property", "type_label": "Industrial special risks (ISR)", "issuers": [ { "name": "Liberty Mutual Insurance Company", "abn": "61086083605", "afsl": "530842", "lloyds": false, "slug": "liberty-mutual-insurance", "apra": { "status": "authorised", "name": "Liberty Mutual Insurance Company", "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": "530842", "name": "LIBERTY MUTUAL INSURANCE COMPANY", "abn": "61086083605", "acn": null, "licensed_since": "2021-12-09", "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": false, "disagreements": [] } } ] } ], "quotes": { "underwriter": { "text": "Liberty Mutual Insurance Company, Australia Branch (ABN 61 086 083 605) incorporated in Massachusetts, USA (the liability of members is limited)", "url": "https://www.libertyinternational.com/au/product/product-property", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Liberty Mutual Insurance Company, Australia Branch (ABN 61 086 083 605) incorporated in Massachusetts, USA (the liability of members is limited)", "url": "https://www.libertyinternational.com/au/product/product-property#:~:text=Liberty%20Mutual%20Insurance%20Company%2C%20Australia,liability%20of%20members%20is%20limited%29", "document_sha256": "ea276f695b209c9e01ce6f2e762513ee638c8e5c0984547b1bd8657737e8d8e4", "confirmed": "2026-11-13" } }, "afsl": { "text": "Liberty Australia holds an Australian Financial Services Licence (AFSL 530842) authorising it to carry on a financial services business to provide claims handling and settling service limited to retail clients.", "url": "https://www.libertyinternational.com/au/product/property", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Liberty Australia holds an Australian Financial Services Licence (AFSL 530842) authorising it to carry on a financial services business to provide claims handling and settling service limited to retail clients.", "url": "https://www.libertyinternational.com/au/product/property#:~:text=Liberty%20Australia%20holds%20an%20Australian,service%20limited%20to%20retail%20clients.", "document_sha256": "e181da44cf787e2919bd4cc7c489e39335880de2c21d11bcd1d52fc1385ec53b", "confirmed": "2026-11-13" } } }, "curation_notes": "AFSL 530842 is stated by Liberty as limited to claims handling for retail clients; Liberty Mutual's Australian branch is APRA-authorised. Channel not stated on the product page. | libertyspecialtymarkets.com redirects to libertyinternational.com/au (the /au paths on libertyspecialtymarkets.com return 404). AFSL 530842 is stated by Liberty as limited to claims handling for retail clients. Liberty's TMD page also lists 'Sure Residential Strata' and 'Sure Insurance Home & Contents' under Retail TMDs: a possible additional strata brand for the lead to chase.", "segments": [ "industrial" ], "issuers": [ { "name": "Liberty Mutual Insurance Company", "abn": "61086083605", "afsl": "530842", "lloyds": false, "slug": "liberty-mutual-insurance", "apra": { "status": "authorised", "name": "Liberty Mutual Insurance Company", "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": "530842", "name": "LIBERTY MUTUAL INSURANCE COMPANY", "abn": "61086083605", "acn": null, "licensed_since": "2021-12-09", "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": false, "disagreements": [] } } ], "distributor_licence": null, "page": "https://deepalmanac.com/au/insurance/building/liberty/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/liberty.json" }, { "slug": "longitude", "name": "Longitude Insurance", "website": "https://www.longitudeinsurance.com.au/", "kind": "underwriting_agency", "underwriter": "Chubb Insurance Australia Limited", "underwriter_abn": "23001642020", "underwriter_afsl": "239687", "lloyds": false, "distributor": { "name": "Longitude Insurance Pty Ltd (authorised representative of Austagencies Pty Ltd)", "abn": "86152337267", "afsl": "244584", "authorised_representative_no": "424867" }, "products": [ { "name": "Longitude Residential Strata Insurance", "type": "residential_strata", "segment": "residential", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "eligibility": "Residential strata buildings where commercial use is under 20% of floor space.", "states": null, "documents": [ { "title": "Residential Strata Policy Wording & PDS (March 2024)", "url": "https://www.longitudeinsurance.com.au/app/uploads/2024/01/Residential-Strata-Insurance-Policy-Wording-PDS-03-2024.pdf", "date": "2024-03-01" }, { "title": "Residential Strata TMD (Chubb)", "url": "https://www.longitudeinsurance.com.au/app/uploads/2025/02/chubb-lngstratartmd1223-longitude-residential-strata-insurance-tmd.pdf", "date": null } ], "quotes": { "product": { "text": "This Product provides packaged insurance cover for buildings and common contents/property of residential and mix use properties that are strata titled, company titled, registered as community or neighbourhood associations", "url": "https://www.longitudeinsurance.com.au/app/uploads/2025/02/chubb-lngstratartmd1223-longitude-residential-strata-insurance-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product provides packaged insurance cover for buildings and common contents/property of residential and mix use properties that are strata titled, company titled, registered as community or neighbourhood associations", "url": "https://www.longitudeinsurance.com.au/app/uploads/2025/02/chubb-lngstratartmd1223-longitude-residential-strata-insurance-tmd.pdf#page=3", "page": 3, "document_sha256": "87cb03667105510814c1cde683146a330f0035a2a7997476111f14f08efbb725", "confirmed": "2026-11-13" } }, "channel": { "text": "Longitude, with the backing of Chubb Insurance is uniquely positioned to provide brokers with market leading, specialist strata insurance for Bodies Corporate.", "url": "https://www.longitudeinsurance.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Longitude, with the backing of Chubb Insurance is uniquely positioned to provide brokers with market leading, specialist strata insurance for Bodies Corporate.", "url": "https://www.longitudeinsurance.com.au/#:~:text=Longitude%2C%20with%20the%20backing%20of,strata%20insurance%20for%20Bodies%20Corporate.", "document_sha256": "3c631776e3c29b7dfcc214b4fdd38436c14e6cdad4ed7063e2147304385ba3d8", "confirmed": "2026-11-13" } }, "flood": { "text": "Where You have included this Optional Cover, and it is specified in Your Policy Schedule as included, We will cover You for physical loss or destruction or damage to Insured Property caused by Flood.", "url": "https://www.longitudeinsurance.com.au/app/uploads/2024/01/Residential-Strata-Insurance-Policy-Wording-PDS-03-2024.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Where You have included this Optional Cover, and it is specified in Your Policy Schedule as included, We will cover You for physical loss or destruction or damage to Insured Property caused by Flood.", "url": "https://www.longitudeinsurance.com.au/app/uploads/2024/01/Residential-Strata-Insurance-Policy-Wording-PDS-03-2024.pdf#page=45", "page": 45, "document_sha256": "25e181a737265341373f3e095a5e061e1144f1a8216fe0a76b1928b129c697fb", "confirmed": "2026-11-13" } }, "eligibility": { "text": "less than 20% of the floor space is used for commercial purposes", "url": "https://www.longitudeinsurance.com.au/app/uploads/2025/02/chubb-lngstratartmd1223-longitude-residential-strata-insurance-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "less than 20% of the floor space is used for commercial purposes", "url": "https://www.longitudeinsurance.com.au/app/uploads/2025/02/chubb-lngstratartmd1223-longitude-residential-strata-insurance-tmd.pdf#page=4", "page": 4, "document_sha256": "87cb03667105510814c1cde683146a330f0035a2a7997476111f14f08efbb725", "confirmed": "2026-11-13" } } }, "conditions": [ "Flood is an Optional Cover that applies only when shown as included on the policy schedule." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "residential-strata-insurance", "type_label": "Residential strata", "issuers": [ { "name": "Chubb Insurance Australia Limited", "abn": "23001642020", "afsl": "239687", "lloyds": false, "slug": "chubb-insurance-australia", "apra": { "status": "authorised", "name": "Chubb Insurance Australia Ltd", "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": "239687", "name": "CHUBB INSURANCE AUSTRALIA LTD", "abn": "23001642020", "acn": null, "licensed_since": "2004-01-19", "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": "Longitude Commercial Strata Insurance", "type": "commercial_strata", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "eligibility": "Commercial and mixed-use strata buildings where more than 20% of floor space is commercial.", "states": null, "documents": [ { "title": "Commercial Strata Policy Wording & PDS (March 2024)", "url": "https://www.longitudeinsurance.com.au/app/uploads/2024/01/Commercial-Strata-Insurance-Policy-Wording-PDS-03-2024.pdf", "date": "2024-03-01" }, { "title": "Commercial Strata TMD (Chubb)", "url": "https://www.longitudeinsurance.com.au/app/uploads/2025/02/chubb-lngstratactmd1223-longitude-commercial-strata-insurance-tmd.pdf", "date": null } ], "quotes": { "product": { "text": "This Product provides packaged insurance cover for buildings and common contents/property of commercial and mix use properties that are strata titled, company titled, registered as community or neighbourhood associations", "url": "https://www.longitudeinsurance.com.au/app/uploads/2025/02/chubb-lngstratactmd1223-longitude-commercial-strata-insurance-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product provides packaged insurance cover for buildings and common contents/property of commercial and mix use properties that are strata titled, company titled, registered as community or neighbourhood associations", "url": "https://www.longitudeinsurance.com.au/app/uploads/2025/02/chubb-lngstratactmd1223-longitude-commercial-strata-insurance-tmd.pdf#page=3", "page": 3, "document_sha256": "7cdf803ad48a40cb7abafb8e7c61c132bece51cd38ee1d3cb941fce60ec6fc64", "confirmed": "2026-11-13" } }, "channel": { "text": "Longitude, with the backing of Chubb Insurance is uniquely positioned to provide brokers with market leading, specialist strata insurance for Bodies Corporate.", "url": "https://www.longitudeinsurance.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Longitude, with the backing of Chubb Insurance is uniquely positioned to provide brokers with market leading, specialist strata insurance for Bodies Corporate.", "url": "https://www.longitudeinsurance.com.au/#:~:text=Longitude%2C%20with%20the%20backing%20of,strata%20insurance%20for%20Bodies%20Corporate.", "document_sha256": "3c631776e3c29b7dfcc214b4fdd38436c14e6cdad4ed7063e2147304385ba3d8", "confirmed": "2026-11-13" } }, "flood": { "text": "Where You have included this Optional Cover, and it is specified in Your Policy Schedule as included, We will cover You for physical loss or destruction or damage to Insured Property caused by Flood.", "url": "https://www.longitudeinsurance.com.au/app/uploads/2024/01/Commercial-Strata-Insurance-Policy-Wording-PDS-03-2024.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Where You have included this Optional Cover, and it is specified in Your Policy Schedule as included, We will cover You for physical loss or destruction or damage to Insured Property caused by Flood.", "url": "https://www.longitudeinsurance.com.au/app/uploads/2024/01/Commercial-Strata-Insurance-Policy-Wording-PDS-03-2024.pdf#page=45", "page": 45, "document_sha256": "869b245b49f7dbf58c7c98e80ccf98cfcc7e35b43abaf01fdb3ab948506182e1", "confirmed": "2026-11-13" } }, "eligibility": { "text": "more than 20% of the floor space is used for commercial purposes", "url": "https://www.longitudeinsurance.com.au/app/uploads/2025/02/chubb-lngstratactmd1223-longitude-commercial-strata-insurance-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "more than 20% of the floor space is used for commercial purposes", "url": "https://www.longitudeinsurance.com.au/app/uploads/2025/02/chubb-lngstratactmd1223-longitude-commercial-strata-insurance-tmd.pdf#page=4", "page": 4, "document_sha256": "7cdf803ad48a40cb7abafb8e7c61c132bece51cd38ee1d3cb941fce60ec6fc64", "confirmed": "2026-11-13" } } }, "conditions": [ "Flood is an Optional Cover that applies only when shown as included on the policy schedule." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "commercial-strata-insurance", "type_label": "Commercial strata", "issuers": [ { "name": "Chubb Insurance Australia Limited", "abn": "23001642020", "afsl": "239687", "lloyds": false, "slug": "chubb-insurance-australia", "apra": { "status": "authorised", "name": "Chubb Insurance Australia Ltd", "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": "239687", "name": "CHUBB INSURANCE AUSTRALIA LTD", "abn": "23001642020", "acn": null, "licensed_since": "2004-01-19", "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": "Austagencies has binding authority from Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL 239687)", "url": "https://www.longitudeinsurance.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Austagencies has binding authority from Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL 239687)", "url": "https://www.longitudeinsurance.com.au/#:~:text=Austagencies%20has%20binding%20authority%20from,001%20642%20020%2C%20AFSL%20239687%29", "document_sha256": "3c631776e3c29b7dfcc214b4fdd38436c14e6cdad4ed7063e2147304385ba3d8", "confirmed": "2026-11-13" } }, "distributor": { "text": "Longitude Insurance Pty Ltd (ABN 86 152 337 267) acts as authorised representative (AR No 424867) of Austagencies Pty Ltd (ABN 76 006 090 464, AFSL 244584).", "url": "https://www.longitudeinsurance.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Longitude Insurance Pty Ltd (ABN 86 152 337 267) acts as authorised representative (AR No 424867) of Austagencies Pty Ltd (ABN 76 006 090 464, AFSL 244584).", "url": "https://www.longitudeinsurance.com.au/#:~:text=Longitude%20Insurance%20Pty%20Ltd%20%28ABN,006%20090%20464%2C%20AFSL%20244584%29.", "document_sha256": "3c631776e3c29b7dfcc214b4fdd38436c14e6cdad4ed7063e2147304385ba3d8", "confirmed": "2026-11-13" } } }, "curation_notes": "Austagencies (the licensee) holds the Chubb binding authority. TMDs on the site are dated 2023/2025 (Chubb TMD '12/23' edition).", "segments": [ "residential", "commercial" ], "issuers": [ { "name": "Chubb Insurance Australia Limited", "abn": "23001642020", "afsl": "239687", "lloyds": false, "slug": "chubb-insurance-australia", "apra": { "status": "authorised", "name": "Chubb Insurance Australia Ltd", "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": "239687", "name": "CHUBB INSURANCE AUSTRALIA LTD", "abn": "23001642020", "acn": null, "licensed_since": "2004-01-19", "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": "244584", "name": "AUSTAGENCIES PTY LTD", "abn": "76006090464", "acn": null, "licensed_since": "2004-03-10", "locality": "North Sydney NSW 2060", "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/longitude/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/longitude.json" }, { "slug": "msi-oceania", "name": "MSIG (Mitsui Sumitomo Insurance)", "website": "https://www.msi-oceania.com/", "kind": "insurer", "underwriter": "Mitsui Sumitomo Insurance Company Limited", "underwriter_abn": "49000525637", "underwriter_afsl": "240816", "lloyds": false, "distributor": null, "products": [ { "name": "MSI Industrial Special Risks (ISR)", "type": "isr", "segment": "industrial", "channel": null, "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [], "quotes": { "product": { "text": "Section 1 of this insurance covers your building, plant, machinery, contents and trade stocks against risks of accidental physical loss or damage", "url": "https://www.msi-oceania.com/products/isr/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Section 1 of this insurance covers your building, plant, machinery, contents and trade stocks against risks of accidental physical loss or damage", "url": "https://www.msi-oceania.com/products/isr/#:~:text=Section%201%20of%20this%20insurance,accidental%20physical%20loss%20or%20damage", "document_sha256": "0950538f1081049b6b36ea4dc0ec76575265599bf7866603802b08d844d644a3", "confirmed": "2026-11-13" } } }, "conditions": [ "No sum-insured threshold, PDS or TMD is published for the ISR product; the site says to contact MSI or your insurance representative." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "msi-industrial-special-risks-isr", "type_label": "Industrial special risks (ISR)", "issuers": [ { "name": "Mitsui Sumitomo Insurance Company Limited", "abn": "49000525637", "afsl": "240816", "lloyds": false, "slug": "mitsui-sumitomo-insurance", "apra": { "status": "authorised", "name": "Mitsui Sumitomo 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": "240816", "name": "MITSUI SUMITOMO INSURANCE COMPANY, LIMITED", "abn": "49000525637", "acn": null, "licensed_since": "2004-02-28", "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": "MSI Commercial Motor Insurance Policy is issued by Mitsui Sumitomo Insurance Company Limited ABN 49 000 525 637 AFS Licence No.240816.", "url": "https://www.msi-oceania.com/wp-content/themes/msi/assets/pdf/MSI_TMD_Commercial_Motor.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "MSI Commercial Motor Insurance Policy is issued by Mitsui Sumitomo Insurance Company Limited ABN 49 000 525 637 AFS Licence No.240816.", "url": "https://www.msi-oceania.com/wp-content/themes/msi/assets/pdf/MSI_TMD_Commercial_Motor.pdf#page=3", "page": 3, "document_sha256": "bf1e97649c5020e7caaee64a35bd1479a5e5b9d2a1fb9f7183533f46f545d811", "confirmed": "2026-11-13" } } }, "curation_notes": "The right domain is msi-oceania.com (msig.com.au is an unrelated medical clinic; msig-asia.com has no Australian property page). The site also lists 'General Property: Wide cover for loss / damage to defined property', which is not clearly building cover and is not recorded.", "segments": [ "industrial" ], "issuers": [ { "name": "Mitsui Sumitomo Insurance Company Limited", "abn": "49000525637", "afsl": "240816", "lloyds": false, "slug": "mitsui-sumitomo-insurance", "apra": { "status": "authorised", "name": "Mitsui Sumitomo 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": "240816", "name": "MITSUI SUMITOMO INSURANCE COMPANY, LIMITED", "abn": "49000525637", "acn": null, "licensed_since": "2004-02-28", "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": null, "page": "https://deepalmanac.com/au/insurance/building/msi-oceania/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/msi-oceania.json" }, { "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" }, { "slug": "nrma-insurance", "name": "NRMA Insurance", "website": "https://www.nrma.com.au/", "kind": "brand", "underwriter": "Insurance Australia Limited", "underwriter_abn": "11000016722", "underwriter_afsl": "227681", "lloyds": false, "distributor": null, "products": [ { "name": "NRMA Home Building Insurance", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "choice", "buffer_percent": 25, "flood": "included_can_remove", "accidental_damage": "optional", "levels": [ "Standard", "Plus" ], "eligibility": "Private residential buildings (free standing house, townhouse, villa, duplex, semi-detached or terrace) used as primary residence or holiday home; not units or flats or buildings used as a business.", "states": null, "documents": [ { "title": "Home Insurance Product Disclosure Statement and Policy Booklet", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf", "date": "2023-09-10" }, { "title": "Supplementary PDS", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-spds-nrmahomspds-rev2-1125.pdf", "date": "2025-10-10" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-buildings-kfs-nrmabldkfs-rev3-0524.pdf", "date": "2024-05-13" }, { "title": "Home Insurance Premium, Excess and Discounts Guide", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-ped-nrmahomped-rev9-1025.pdf", "date": null }, { "title": "Target Market Determination (TMDHBC004)", "url": "https://www.iag.com.au/tmd/tmdhbc004", "date": "2026-04-27" } ], "quotes": { "product": { "text": "Our Building Insurance can help protect your home's structure and permanent fixtures, from walls and floors to sheds and in-ground pools.", "url": "https://www.nrma.com.au/home-insurance/buildings-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Our Building Insurance can help protect your home's structure and permanent fixtures, from walls and floors to sheds and in-ground pools.", "url": "https://www.nrma.com.au/home-insurance/buildings-insurance#:~:text=Our%20Building%20Insurance%20can%20help,to%20sheds%20and%20in%2Dground%20pools.", "document_sha256": "8c98c6a3e5b7da9c4ef7d3db4d9356ea9eb1c901fc11893e8eb0b927bc6f242f", "confirmed": "2026-11-13" } }, "channel": { "text": "Buy your Home Buildings Insurance online and we’ll automatically apply the discount.", "url": "https://www.nrma.com.au/home-insurance/buildings-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Buy your Home Buildings Insurance online and we’ll automatically apply the discount.", "url": "https://www.nrma.com.au/home-insurance/buildings-insurance#:~:text=Buy%20your%20Home%20Buildings%20Insurance,we%E2%80%99ll%20automatically%20apply%20the%20discount.", "document_sha256": "8c98c6a3e5b7da9c4ef7d3db4d9356ea9eb1c901fc11893e8eb0b927bc6f242f", "confirmed": "2026-11-13" } }, "online_quote": { "text": "Buy your Home Buildings Insurance online and we’ll automatically apply the discount.", "url": "https://www.nrma.com.au/home-insurance/buildings-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Buy your Home Buildings Insurance online and we’ll automatically apply the discount.", "url": "https://www.nrma.com.au/home-insurance/buildings-insurance#:~:text=Buy%20your%20Home%20Buildings%20Insurance,we%E2%80%99ll%20automatically%20apply%20the%20discount.", "document_sha256": "8c98c6a3e5b7da9c4ef7d3db4d9356ea9eb1c901fc11893e8eb0b927bc6f242f", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf#page=23", "page": 23, "document_sha256": "91a0d6fdab8496768fc5f387abfcbb1aeb6d61bdfaf4f8ba9d404332abd61ad4", "confirmed": "2026-11-13" } }, "flood": { "text": "*You may be eligible to remove cover from your Building insurance or Contents insurance for loss or damage caused by Flood, Rainwater Run-off and Storm Surge (but not tsunami), if Your insured property is in NSW, ACT or TAS.", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-spds-nrmahomspds-rev2-1125.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "*You may be eligible to remove cover from your Building insurance or Contents insurance for loss or damage caused by Flood, Rainwater Run-off and Storm Surge (but not tsunami), if Your insured property is in NSW, ACT or TAS.", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-spds-nrmahomspds-rev2-1125.pdf#page=1", "page": 1, "document_sha256": "3eab569ae1004572b61a4f718b1a05fa630711e3434e91849cac1afe40445b0f", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Accidental damage Automatically included if You have cover for: ‘Building Plus’; or ‘Contents Plus’ Available if You have cover for: ‘Building Standard’; or ‘Contents Standard’", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Accidental damage Automatically included if You have cover for: ‘Building Plus’; or ‘Contents Plus’ Available if You have cover for: ‘Building Standard’; or ‘Contents Standard’", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf#page=24", "page": 24, "document_sha256": "91a0d6fdab8496768fc5f387abfcbb1aeb6d61bdfaf4f8ba9d404332abd61ad4", "confirmed": "2026-11-13" } }, "levels": { "text": "We have 2 levels of cover You can choose from under this Policy:", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We have 2 levels of cover You can choose from under this Policy:", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf#page=5", "page": 5, "document_sha256": "91a0d6fdab8496768fc5f387abfcbb1aeb6d61bdfaf4f8ba9d404332abd61ad4", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex • Semi-detached house or terrace", "url": "https://www.iag.com.au/tmd/tmdhbc004", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex • Semi-detached house or terrace", "url": "https://www.iag.com.au/tmd/tmdhbc004#page=1", "page": 1, "document_sha256": "b69298fdba81ef2094a72555b6efcfb2f13292e1ad3fe90882a862dfefc53c1c", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Your Home being unoccupied for 60 or more consecutive days and not maintained it in a lived-in state by:", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Your Home being unoccupied for 60 or more consecutive days and not maintained it in a lived-in state by:", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf#page=27", "page": 27, "document_sha256": "91a0d6fdab8496768fc5f387abfcbb1aeb6d61bdfaf4f8ba9d404332abd61ad4", "confirmed": "2026-11-13" } } }, "conditions": [ "Safety net (extra 25% of the Building Sum Insured) applies to Building Plus only; Building Standard is a plain sum insured.", "Flood, rainwater run-off and storm surge cover can only be removed if the property is in NSW, ACT or TAS.", "Accidental damage is automatically included in Plus and is an extra-premium option on Standard.", "Not for units, flats or apartments; the same policy also sells Home Contents." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Only if the home is also not kept in a lived-in state (lawns mowed, mail stopped, someone checking inside and out weekly).", "then": null, "label": "No cover after 60 days" }, "id": "nrma-home-building-insurance", "type_label": "Home building", "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "NRMA Landlord Insurance (Landlord Buildings)", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": null, "levels": [], "eligibility": "Private residential buildings rented out to tenants under a rental agreement of at least 90 days; not hotels, boarding houses or buildings used mainly for business.", "states": null, "documents": [ { "title": "Landlord Insurance Product Disclosure Statement and Policy Booklet", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-landlord-pds-nrmalanpds-rev2-0923.pdf", "date": "2023-09-10" }, { "title": "Supplementary PDS", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-landlord-spds-nrmalanspds-rev0-0524.pdf", "date": "2024-05-13" }, { "title": "Landlord Insurance Premium, Excess and Discounts Guide", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-landlord-nrmalanped-rev7-1025.PDF", "date": null }, { "title": "Target Market Determination (TMDLBC005)", "url": "https://www.iag.com.au/tmd/tmdlbc005", "date": "2026-04-27" } ], "quotes": { "product": { "text": "our Landlord Insurance policy can cover things like loss of rental income during repairs, furniture and furnishings that are left for your tenant to use, and loss or damage caused by fire, flood, storm, theft, vandalism, leaks and more.", "url": "https://www.nrma.com.au/home-insurance/landlord-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "our Landlord Insurance policy can cover things like loss of rental income during repairs, furniture and furnishings that are left for your tenant to use, and loss or damage caused by fire, flood, storm, theft, vandalism, leaks and more.", "url": "https://www.nrma.com.au/home-insurance/landlord-insurance#:~:text=our%20Landlord%20Insurance%20policy%20can,theft%2C%20vandalism%2C%20leaks%20and%20more.", "document_sha256": "0f23f0a7007bb83521a41fcbad7a63f0ada48573906344bb964521d5b32d88ae", "confirmed": "2026-11-13" } }, "channel": { "text": "Buy your Landlord Insurance online and we’ll automatically apply the discount.", "url": "https://www.nrma.com.au/home-insurance/landlord-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Buy your Landlord Insurance online and we’ll automatically apply the discount.", "url": "https://www.nrma.com.au/home-insurance/landlord-insurance#:~:text=Buy%20your%20Landlord%20Insurance%20online,we%E2%80%99ll%20automatically%20apply%20the%20discount.", "document_sha256": "0f23f0a7007bb83521a41fcbad7a63f0ada48573906344bb964521d5b32d88ae", "confirmed": "2026-11-13" } }, "online_quote": { "text": "Buy your Landlord Insurance online and we’ll automatically apply the discount.", "url": "https://www.nrma.com.au/home-insurance/landlord-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Buy your Landlord Insurance online and we’ll automatically apply the discount.", "url": "https://www.nrma.com.au/home-insurance/landlord-insurance#:~:text=Buy%20your%20Landlord%20Insurance%20online,we%E2%80%99ll%20automatically%20apply%20the%20discount.", "document_sha256": "0f23f0a7007bb83521a41fcbad7a63f0ada48573906344bb964521d5b32d88ae", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "‘Building’ Sum Insured – this is the amount Your Rental Property is insured for; and/or", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-landlord-pds-nrmalanpds-rev2-0923.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "‘Building’ Sum Insured – this is the amount Your Rental Property is insured for; and/or", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-landlord-pds-nrmalanpds-rev2-0923.pdf#page=5", "page": 5, "document_sha256": "a269a29e43bf4fda25e86718774de5d7526b31d116952d6bbe9835c6c5e24c4f", "confirmed": "2026-11-13" } }, "flood": { "text": "*You may be eligible to remove cover from your Building insurance or Contents insurance for loss or damage caused by Flood, Rainwater Run-off and Storm Surge (but not tsunami), if Your insured property is in NSW, ACT or TAS.", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-landlord-spds-nrmalanspds-rev0-0524.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "*You may be eligible to remove cover from your Building insurance or Contents insurance for loss or damage caused by Flood, Rainwater Run-off and Storm Surge (but not tsunami), if Your insured property is in NSW, ACT or TAS.", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-landlord-spds-nrmalanspds-rev0-0524.pdf#page=1", "page": 1, "document_sha256": "8e1f35b40d27323e3fae47b336d2f41bc439225484eef7a93d1062bf415bf826", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Has a rental agreement of at least 90 days", "url": "https://www.iag.com.au/tmd/tmdlbc005", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Has a rental agreement of at least 90 days", "url": "https://www.iag.com.au/tmd/tmdlbc005#page=2", "page": 2, "document_sha256": "f431e6aab3e83cf06d168803f64ed32932897bfbda63603d82c008f2d25e62ea", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-landlord-pds-nrmalanpds-rev2-0923.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-landlord-pds-nrmalanpds-rev2-0923.pdf#page=20", "page": 20, "document_sha256": "a269a29e43bf4fda25e86718774de5d7526b31d116952d6bbe9835c6c5e24c4f", "confirmed": "2026-11-13" } } }, "conditions": [ "No Standard/Plus levels and no safety net additional benefit appear in the landlord PDS.", "The PDS lists only accidental breakage of glass, not general accidental damage, in its key benefits table; accidental_damage left null.", "Flood, rainwater run-off and storm surge cover can only be removed if the property is in NSW, ACT or TAS." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Only if the rental property is also not kept in a lived-in state (lawns mowed, mail stopped, someone checking inside and out weekly).", "then": null, "label": "No cover after 60 days" }, "id": "nrma-landlord-insurance-landlord-buildings", "type_label": "Landlord", "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "NRMA Business Insurance (Section 1 Property)", "type": "business_property", "segment": "commercial", "channel": "direct", "online_quote": true, "cover_basis": null, "buffer_percent": null, "flood": "included", "accidental_damage": "included", "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Business Insurance Product Disclosure Statement and Policy Booklet", "url": "https://www.nrma.com.au/business-policy", "date": null }, { "title": "Target Market Determination for Business Insurance (TMDBU001)", "url": "https://www.iag.com.au/tmd/TMDBU001", "date": "2021-10-05" } ], "quotes": { "product": { "text": "Property Covers insured property like buildings, contents or stock, for damage from fire, flood, storms and other covered causes.", "url": "https://www.nrma.com.au/business-insurance/retailers", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Property Covers insured property like buildings, contents or stock, for damage from fire, flood, storms and other covered causes.", "url": "https://www.nrma.com.au/business-insurance/retailers#:~:text=Property%20Covers%20insured%20property%20like,storms%20and%20other%20covered%20causes.", "document_sha256": "2d55a1276fb103440ddbd2f1ddf1d291e4879df5c09fc6e45ed67d6199590bdd", "confirmed": "2026-11-13" } }, "channel": { "text": "This product is designed to be distributed by us or our distributors by any of the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency or premises visit)", "url": "https://www.iag.com.au/tmd/TMDBU001", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This product is designed to be distributed by us or our distributors by any of the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency or premises visit)", "url": "https://www.iag.com.au/tmd/TMDBU001#page=3", "page": 3, "document_sha256": "31d574326ef04d55bd6a419cf0f06499179609b841f1069ef9a364ecfac6dc2f", "confirmed": "2026-11-13" } }, "online_quote": { "text": "explore other cover options like Property, Money and more when you get your Business Insurance quote.", "url": "https://www.nrma.com.au/business-insurance/retailers", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "explore other cover options like Property, Money and more when you get your Business Insurance quote.", "url": "https://www.nrma.com.au/business-insurance/retailers#:~:text=explore%20other%20cover%20options%20like,get%20your%20Business%20Insurance%20quote.", "document_sha256": "2d55a1276fb103440ddbd2f1ddf1d291e4879df5c09fc6e45ed67d6199590bdd", "confirmed": "2026-11-13" } }, "flood": { "text": "Delay of cover We will not provide any cover, for a period of 72 hours from the time of the commencement of Your insurance, for Damage or loss caused by: a) bushfire or grassfire, c) Flood, or d) Storm Surge.", "url": "https://www.nrma.com.au/business-policy", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Delay of cover We will not provide any cover, for a period of 72 hours from the time of the commencement of Your insurance, for Damage or loss caused by: a) bushfire or grassfire, c) Flood, or d) Storm Surge.", "url": "https://www.nrma.com.au/business-policy#page=17", "page": 17, "document_sha256": "ea86b0628d0d6c5c36a8ddb44dbddfb412fcdc678e35f1ba8d63abcf93ff4cea", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "if the total combined Property Insured Sum Insured as shown in Your Certificate of Insurance is greater than $250,000, then the most We will pay in respect of Accidental Damage will be $250,000.", "url": "https://www.nrma.com.au/business-policy", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "if the total combined Property Insured Sum Insured as shown in Your Certificate of Insurance is greater than $250,000, then the most We will pay in respect of Accidental Damage will be $250,000.", "url": "https://www.nrma.com.au/business-policy#page=18", "page": 18, "document_sha256": "ea86b0628d0d6c5c36a8ddb44dbddfb412fcdc678e35f1ba8d63abcf93ff4cea", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Unless We otherwise agree in writing, We will not pay for any loss or Damage to Property Insured if the occurrence happens whilst Your Business Premises has been unoccupied for more than 90 consecutive days.", "url": "https://www.nrma.com.au/business-policy", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Unless We otherwise agree in writing, We will not pay for any loss or Damage to Property Insured if the occurrence happens whilst Your Business Premises has been unoccupied for more than 90 consecutive days.", "url": "https://www.nrma.com.au/business-policy#page=14", "page": 14, "document_sha256": "ea86b0628d0d6c5c36a8ddb44dbddfb412fcdc678e35f1ba8d63abcf93ff4cea", "confirmed": "2026-11-13" } } }, "conditions": [ "Section 1 Property forms part of the policy only if shown on the Certificate of Insurance, so buildings cover is optional.", "Accidental damage is capped at $250,000 combined unless 'Additional Accidental Damage' is shown on the Certificate.", "Flood, bushfire and storm surge are not covered for the first 72 hours of a new policy unless it follows directly after another policy." ], "unoccupied": { "days": 90, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Unless the insurer agreed in writing.", "then": null, "label": "No cover after 90 days" }, "id": "nrma-business-insurance-section-1-property", "type_label": "Business property", "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "NRMA Insurance Residential Strata Insurance", "type": "residential_strata", "segment": "residential", "channel": "direct", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": "included", "levels": [], "states": null, "documents": [ { "title": "Residential Strata Insurance Product Disclosure Statement and Policy Booklet", "url": "https://www.nrma.com.au/documents/strata/pds", "date": "2023-09-10" }, { "title": "Supplementary Product Disclosure Statement", "url": "https://www.nrma.com.au/documents/strata/spds", "date": "2024-05-13" }, { "title": "Target Market Determination (TMDRS003)", "url": "https://www.iag.com.au/tmd/TMDRS003", "date": "2024-04-21" } ], "quotes": { "product": { "text": "Need insurance for your strata scheme building? Get cover for fires, storms, accidental damage and more.", "url": "https://www.nrma.com.au/home-insurance/strata", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Need insurance for your strata scheme building? Get cover for fires, storms, accidental damage and more.", "url": "https://www.nrma.com.au/home-insurance/strata#:~:text=Need%20insurance%20for%20your%20strata,storms%2C%20accidental%20damage%20and%20more.", "document_sha256": "a5eea31758be19818f1cfc780c164036b678a43b37ec074c90a490e2b28d4334", "confirmed": "2026-11-13" } }, "channel": { "text": "Call 132 132", "url": "https://www.nrma.com.au/home-insurance/strata", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Call 132 132", "url": "https://www.nrma.com.au/home-insurance/strata#:~:text=Call%20132%20132", "document_sha256": "a5eea31758be19818f1cfc780c164036b678a43b37ec074c90a490e2b28d4334", "confirmed": "2026-11-13" } }, "online_quote": { "text": "Call 132 132", "url": "https://www.nrma.com.au/home-insurance/strata", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Call 132 132", "url": "https://www.nrma.com.au/home-insurance/strata#:~:text=Call%20132%20132", "document_sha256": "a5eea31758be19818f1cfc780c164036b678a43b37ec074c90a490e2b28d4334", "confirmed": "2026-11-13" } }, "flood": { "text": "You may be eligible to remove cover from your Property and Common Contents insurance for loss or damage caused by Flood, Rainwater Run-off and Storm Surge (but not tsunami), if Your insured property is in NSW, ACT or TAS.", "url": "https://www.nrma.com.au/documents/strata/spds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "You may be eligible to remove cover from your Property and Common Contents insurance for loss or damage caused by Flood, Rainwater Run-off and Storm Surge (but not tsunami), if Your insured property is in NSW, ACT or TAS.", "url": "https://www.nrma.com.au/documents/strata/spds#page=1", "page": 1, "document_sha256": "3fdae3a638460f8f23bbdfc56f2c0aea5f9b3d5a921009e64990e673bfcfd47e", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "We cover loss or damage caused by Accident.", "url": "https://www.nrma.com.au/documents/strata/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We cover loss or damage caused by Accident.", "url": "https://www.nrma.com.au/documents/strata/pds#page=11", "page": 11, "document_sha256": "84520020b80327ced6cbc71d4742089cfeac6270915842744d42beb6b7fa7fc2", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Buildings that are Strata titled, Company titled, registered as Community or Neighbourhood Associations or form part of a registered Stratum", "url": "https://www.iag.com.au/tmd/TMDRS003", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Buildings that are Strata titled, Company titled, registered as Community or Neighbourhood Associations or form part of a registered Stratum", "url": "https://www.iag.com.au/tmd/TMDRS003#page=1", "page": 1, "document_sha256": "1bdf0d30b9903943b7b4275ab2022bf8151b6b1fbef9cb691c0eec3bd284b4c7", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Your Property being completely unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.nrma.com.au/documents/strata/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Your Property being completely unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.nrma.com.au/documents/strata/pds#page=19", "page": 19, "document_sha256": "84520020b80327ced6cbc71d4742089cfeac6270915842744d42beb6b7fa7fc2", "confirmed": "2026-11-13" } } }, "eligibility": "Strata-titled, company-titled or community-titled entities responsible for insuring buildings used predominantly for residential purposes; not individual owners or predominantly commercial buildings.", "conditions": [ "Flood, rainwater run-off and storm surge cover can be removed only if the insured property is in NSW, ACT or TAS.", "Flood, storm and bushfire cover does not start until 72 hours after the policy begins (very limited exceptions)." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Only if the property is completely unoccupied and not kept in a lived-in state (lawns mowed, mail stopped, someone checking inside and out weekly).", "then": null, "label": "No cover after 60 days" }, "id": "residential-strata-insurance", "type_label": "Residential strata", "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as NRMA Insurance.", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as NRMA Insurance.", "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf#page=1", "page": 1, "document_sha256": "91a0d6fdab8496768fc5f387abfcbb1aeb6d61bdfaf4f8ba9d404332abd61ad4", "confirmed": "2026-11-13" } } }, "curation_notes": "Home PDS prepared 10 Sep 2023, amended by SPDS of 10 Oct 2025 (applies to renewals from 31 Dec 2025); TMD effective 27 Apr 2026. Landlord PDS is also Sep 2023 with SPDS May 2024. NRMA also sells Residential Strata and Holiday Rental (not covered here). SGIO and SGIC customers moved to NRMA Insurance in 2022. | Flood is recorded 'included' from the website sentence only; the PDS Section 1 does not exclude flood in the text read but the TMD (TMDBU001, 5 Oct 2021) covers only motor and personal accident, so no eligibility criteria (turnover, sum insured) for the property section were found. The Business Insurance PDS is shared with RACV Business Insurance (same IAL wording, C1340). PDS has no date printed in the text read.", "segments": [ "residential", "commercial" ], "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": null, "page": "https://deepalmanac.com/au/insurance/building/nrma-insurance/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/nrma-insurance.json" }, { "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" }, { "slug": "pn-bank", "name": "P&N Bank", "website": "https://www.pnbank.com.au/", "kind": "brand", "underwriter": "Insurance Australia Limited", "underwriter_abn": "11000016722", "underwriter_afsl": "227681", "lloyds": false, "distributor": { "name": "Police & Nurses Limited (P&N Bank)", "abn": "69087651876", "afsl": "240701", "authorised_representative_no": null }, "products": [ { "name": "P&N Bank Home Insurance (building cover)", "type": "home_building", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "choice", "buffer_percent": 25, "flood": "included", "accidental_damage": "optional", "levels": [ "Building Standard", "Building Plus" ], "eligibility": null, "states": null, "documents": [ { "title": "Home Insurance Product Disclosure Statement and Policy Booklet", "url": "https://www.cgu.com.au/documents/pnbank/home/pds", "date": "2025-02-24" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.cgu.com.au/documents/pnbank/home-building/kfs", "date": "2026-08-10" } ], "quotes": { "product": { "text": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/pnbank/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/pnbank/home/pds#page=2", "page": 2, "document_sha256": "24c39c35ac7694b71f75bd1febd4b0e5bb0f42321088edf74070693b1318cd3d", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.", "url": "https://www.cgu.com.au/documents/pnbank/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.", "url": "https://www.cgu.com.au/documents/pnbank/home/pds#page=22", "page": 22, "document_sha256": "24c39c35ac7694b71f75bd1febd4b0e5bb0f42321088edf74070693b1318cd3d", "confirmed": "2026-11-13" } }, "flood": { "text": "Covered as Flood or Rainwater Run-off.", "url": "https://www.cgu.com.au/documents/pnbank/home-building/kfs", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Covered as Flood or Rainwater Run-off.", "url": "https://www.cgu.com.au/documents/pnbank/home-building/kfs#page=1", "page": 1, "document_sha256": "12825966d19bf5440e54400c92488c5da6d14716b58b06182bbdbbfd0b251065", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Cover Building Plus Contents Plus Building Standard Contents Standard Accidental damage – at Your Home Optional Optional", "url": "https://www.cgu.com.au/documents/pnbank/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover Building Plus Contents Plus Building Standard Contents Standard Accidental damage – at Your Home Optional Optional", "url": "https://www.cgu.com.au/documents/pnbank/home/pds#page=5", "page": 5, "document_sha256": "24c39c35ac7694b71f75bd1febd4b0e5bb0f42321088edf74070693b1318cd3d", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Your Home being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/pnbank/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Your Home being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/pnbank/home/pds#page=26", "page": 26, "document_sha256": "24c39c35ac7694b71f75bd1febd4b0e5bb0f42321088edf74070693b1318cd3d", "confirmed": "2026-11-13" } } }, "conditions": [ "The 25% Safety net (extra cover on top of the building sum insured) is available only with Building Plus; Building Standard is sum insured only.", "Accidental damage is an optional extra on both levels." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Only if the home is also not kept in a lived-in state (lawns mowed, mail stopped, someone checking inside and out weekly).", "then": null, "label": "No cover after 60 days" }, "id": "home-insurance-building-cover", "type_label": "Home building", "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "P&N Bank Landlord Insurance (building cover)", "type": "landlord", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "choice", "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Landlord Insurance Product Disclosure Statement and Policy Booklet", "url": "https://www.cgu.com.au/documents/pnbank/landlord/pds", "date": "2025-02-24" } ], "quotes": { "product": { "text": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/pnbank/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/pnbank/landlord/pds#page=2", "page": 2, "document_sha256": "9101b483d5c84bc7c90b68307a7a15540285246566191b0b9406ea6382e799bd", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Cover Building Contents Rent default Optional Optional Safety net Optional", "url": "https://www.cgu.com.au/documents/pnbank/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover Building Contents Rent default Optional Optional Safety net Optional", "url": "https://www.cgu.com.au/documents/pnbank/landlord/pds#page=4", "page": 4, "document_sha256": "9101b483d5c84bc7c90b68307a7a15540285246566191b0b9406ea6382e799bd", "confirmed": "2026-11-13" } }, "flood": { "text": "Cover for loss or damage to Your Rental Property and Contents Accidental breakage of glass Animal damage Damage by occupant Deliberate or intentional act Earthquake Electrical motor burnout Escape of water or liquid Explosion Fire Flood or Rainwater Run-off Impact", "url": "https://www.cgu.com.au/documents/pnbank/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for loss or damage to Your Rental Property and Contents Accidental breakage of glass Animal damage Damage by occupant Deliberate or intentional act Earthquake Electrical motor burnout Escape of water or liquid Explosion Fire Flood or Rainwater Run-off Impact", "url": "https://www.cgu.com.au/documents/pnbank/landlord/pds#page=4", "page": 4, "document_sha256": "9101b483d5c84bc7c90b68307a7a15540285246566191b0b9406ea6382e799bd", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/pnbank/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/pnbank/landlord/pds#page=19", "page": 19, "document_sha256": "9101b483d5c84bc7c90b68307a7a15540285246566191b0b9406ea6382e799bd", "confirmed": "2026-11-13" } } }, "conditions": [ "Safety net (extra cover if rebuild costs exceed the building sum insured) is an optional benefit on the landlord policy." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Only if the rental property is also not kept in a lived-in state (lawns mowed, mail stopped, someone checking inside and out weekly).", "then": null, "label": "No cover after 60 days" }, "id": "landlord-insurance-building-cover", "type_label": "Landlord", "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/pnbank/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/pnbank/home/pds#page=2", "page": 2, "document_sha256": "24c39c35ac7694b71f75bd1febd4b0e5bb0f42321088edf74070693b1318cd3d", "confirmed": "2026-11-13" } }, "distributor": { "text": "Police & Nurses Limited (P&N Bank) ABN 69 087 651 876, AFSL 240701 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681, under the CGU brand in distributing Home Insurance.", "url": "https://www.cgu.com.au/documents/pnbank/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Police & Nurses Limited (P&N Bank) ABN 69 087 651 876, AFSL 240701 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681, under the CGU brand in distributing Home Insurance.", "url": "https://www.cgu.com.au/documents/pnbank/home/pds#page=2", "page": 2, "document_sha256": "24c39c35ac7694b71f75bd1febd4b0e5bb0f42321088edf74070693b1318cd3d", "confirmed": "2026-11-13" } } }, "curation_notes": null, "segments": [ "residential" ], "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "240701", "name": "POLICE & NURSES LIMITED", "abn": "69087651876", "acn": null, "licensed_since": "2004-01-19", "locality": "Perth WA 6000", "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/pn-bank/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/pn-bank.json" }, { "slug": "people-first-bank", "name": "People First Bank", "website": "https://www.peoplefirstbank.com.au/", "kind": "brand", "underwriter": "Insurance Australia Limited", "underwriter_abn": "11000016722", "underwriter_afsl": "227681", "lloyds": false, "distributor": { "name": "Heritage and People's Choice Ltd (trading as People First Bank)", "abn": "11087651125", "afsl": "244310", "authorised_representative_no": null }, "products": [ { "name": "People First Bank Home Insurance (building cover)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "choice", "buffer_percent": 25, "flood": "included", "accidental_damage": "optional", "levels": [ "Building Standard", "Building Plus" ], "eligibility": null, "states": null, "documents": [ { "title": "Home Insurance Product Disclosure Statement and Policy Booklet", "url": "https://www.cgu.com.au/documents/peoplefirstbank/home/pds", "date": "2025-02-24" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.cgu.com.au/documents/cgu-partners/home-building/kfs", "date": "2026-08-10" } ], "quotes": { "product": { "text": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/peoplefirstbank/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/peoplefirstbank/home/pds#page=2", "page": 2, "document_sha256": "07573ad7ed32265894daf1f06fcf6099bf87edaf584b364d8aae750b43457bf8", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.", "url": "https://www.cgu.com.au/documents/peoplefirstbank/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.", "url": "https://www.cgu.com.au/documents/peoplefirstbank/home/pds#page=22", "page": 22, "document_sha256": "07573ad7ed32265894daf1f06fcf6099bf87edaf584b364d8aae750b43457bf8", "confirmed": "2026-11-13" } }, "flood": { "text": "Covered as Flood or Rainwater Run-off.", "url": "https://www.cgu.com.au/documents/cgu-partners/home-building/kfs", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Covered as Flood or Rainwater Run-off.", "url": "https://www.cgu.com.au/documents/cgu-partners/home-building/kfs#page=1", "page": 1, "document_sha256": "48ddf90ed3ae6f5da76eeb2b587b36030603d48a5bc5762e6cf990225dc4e35f", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Cover Building Plus Contents Plus Building Standard Contents Standard Accidental damage – at Your Home Optional Optional", "url": "https://www.cgu.com.au/documents/peoplefirstbank/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover Building Plus Contents Plus Building Standard Contents Standard Accidental damage – at Your Home Optional Optional", "url": "https://www.cgu.com.au/documents/peoplefirstbank/home/pds#page=5", "page": 5, "document_sha256": "07573ad7ed32265894daf1f06fcf6099bf87edaf584b364d8aae750b43457bf8", "confirmed": "2026-11-13" } }, "channel": { "text": "You can get a quote online today.", "url": "https://www.peoplefirstbank.com.au/insurance/home-insurance/building-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "You can get a quote online today.", "url": "https://www.peoplefirstbank.com.au/insurance/home-insurance/building-insurance#:~:text=You%20can%20get%20a%20quote%20online%20today.", "document_sha256": "7954697f7341487fa5adc7ce476416cffe27fe0aa91ef0ef8f8291ed09784f30", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Your Home being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/peoplefirstbank/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Your Home being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/peoplefirstbank/home/pds#page=26", "page": 26, "document_sha256": "07573ad7ed32265894daf1f06fcf6099bf87edaf584b364d8aae750b43457bf8", "confirmed": "2026-11-13" } } }, "conditions": [ "The 25% Safety net (extra cover on top of the building sum insured) is available only with Building Plus; Building Standard is sum insured only.", "Accidental damage is an optional extra on both levels." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Only if the home is also not kept in a lived-in state (lawns mowed, mail stopped, someone checking inside and out weekly).", "then": null, "label": "No cover after 60 days" }, "id": "home-insurance-building-cover", "type_label": "Home building", "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "People First Bank Landlord Insurance (building cover)", "type": "landlord", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "choice", "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Landlord Insurance Product Disclosure Statement and Policy Booklet", "url": "https://www.cgu.com.au/documents/peoplefirstbank/landlord/pds", "date": "2025-02-24" } ], "quotes": { "product": { "text": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/peoplefirstbank/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/peoplefirstbank/landlord/pds#page=2", "page": 2, "document_sha256": "864aef204db278810e5c05eeb367a25424f294abf18652db1386bf8ce4c77214", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Cover Building Contents Rent default Optional Optional Safety net Optional", "url": "https://www.cgu.com.au/documents/peoplefirstbank/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover Building Contents Rent default Optional Optional Safety net Optional", "url": "https://www.cgu.com.au/documents/peoplefirstbank/landlord/pds#page=4", "page": 4, "document_sha256": "864aef204db278810e5c05eeb367a25424f294abf18652db1386bf8ce4c77214", "confirmed": "2026-11-13" } }, "flood": { "text": "Cover for loss or damage to Your Rental Property and Contents Accidental breakage of glass Animal damage Damage by occupant Deliberate or intentional act Earthquake Electrical motor burnout Escape of water or liquid Explosion Fire Flood or Rainwater Run-off Impact", "url": "https://www.cgu.com.au/documents/peoplefirstbank/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for loss or damage to Your Rental Property and Contents Accidental breakage of glass Animal damage Damage by occupant Deliberate or intentional act Earthquake Electrical motor burnout Escape of water or liquid Explosion Fire Flood or Rainwater Run-off Impact", "url": "https://www.cgu.com.au/documents/peoplefirstbank/landlord/pds#page=4", "page": 4, "document_sha256": "864aef204db278810e5c05eeb367a25424f294abf18652db1386bf8ce4c77214", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/peoplefirstbank/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:", "url": "https://www.cgu.com.au/documents/peoplefirstbank/landlord/pds#page=19", "page": 19, "document_sha256": "864aef204db278810e5c05eeb367a25424f294abf18652db1386bf8ce4c77214", "confirmed": "2026-11-13" } } }, "conditions": [ "Safety net (extra cover if rebuild costs exceed the building sum insured) is an optional benefit on the landlord policy." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Only if the rental property is also not kept in a lived-in state (lawns mowed, mail stopped, someone checking inside and out weekly).", "then": null, "label": "No cover after 60 days" }, "id": "landlord-insurance-building-cover", "type_label": "Landlord", "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/peoplefirstbank/home/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand", "url": "https://www.cgu.com.au/documents/peoplefirstbank/home/pds#page=2", "page": 2, "document_sha256": "07573ad7ed32265894daf1f06fcf6099bf87edaf584b364d8aae750b43457bf8", "confirmed": "2026-11-13" } }, "distributor": { "text": "People First Bank (a trading name of Heritage and People’s Choice Ltd ABN 11 087 651 125 AFSL 244310) acts under its own AFSL and under an agreement with the insurance issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681, under the CGU brand, in distributing this insurance.", "url": "https://www.peoplefirstbank.com.au/insurance/home-insurance/building-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "People First Bank (a trading name of Heritage and People’s Choice Ltd ABN 11 087 651 125 AFSL 244310) acts under its own AFSL and under an agreement with the insurance issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681, under the CGU brand, in distributing this insurance.", "url": "https://www.peoplefirstbank.com.au/insurance/home-insurance/building-insurance#:~:text=People%20First%20Bank%20%28a%20trading,brand%2C%20in%20distributing%20this%20insurance.", "document_sha256": "7954697f7341487fa5adc7ce476416cffe27fe0aa91ef0ef8f8291ed09784f30", "confirmed": "2026-11-13" } } }, "curation_notes": "People First Bank is the same legal entity as Heritage Bank (Heritage and People's Choice Ltd) but sells CGU-underwritten insurance, whereas Heritage Bank sells Allianz. People's Choice Credit Union's old insurance page now serves People First Bank.", "segments": [ "residential" ], "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "244310", "name": "HERITAGE AND PEOPLE'S CHOICE LIMITED", "abn": "11087651125", "acn": null, "licensed_since": "2004-03-10", "locality": "Toowoomba QLD 4350", "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/people-first-bank/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/people-first-bank.json" }, { "slug": "police-credit-union", "name": "Police Credit Union", "website": "https://www.policecu.com.au/", "kind": "brand", "underwriter": "Allianz Australia Insurance Limited", "underwriter_abn": "15000122850", "underwriter_afsl": "234708", "lloyds": false, "distributor": { "name": "Police Credit Union Limited", "abn": "30087651205", "afsl": "238991", "authorised_representative_no": null }, "products": [ { "name": "Police Credit Union Home Insurance (home and contents policy, building cover)", "type": "home_building", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": "optional", "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Product Disclosure Statement", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1381FIPCU102420251221/$FILE/POL1381FI_PCU.pdf?open", "date": "2024-09-01" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSPUSimplifyHomeB4790924/$FILE/KFSPUSimplifyHomeB479.pdf?open", "date": "2024-09-01" } ], "quotes": { "product": { "text": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1381FIPCU102420251221/$FILE/POL1381FI_PCU.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1381FIPCU102420251221/$FILE/POL1381FI_PCU.pdf?open#page=2", "page": 2, "document_sha256": "0442b2ab8a2cadd41577af190acf31a53f5c1eb6a14106d724ef5ab4f257e85f", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSPUSimplifyHomeB4790924/$FILE/KFSPUSimplifyHomeB479.pdf?open", "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://www.einsure.com.au/wb/public/openPolicyDocument/KFSPUSimplifyHomeB4790924/$FILE/KFSPUSimplifyHomeB479.pdf?open#page=1", "page": 1, "document_sha256": "e80f034f3bac35affb6f852fe2da4a69bf672a610b3e309c4d5945bc33c2f737", "confirmed": "2026-11-13" } }, "flood": { "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSPUSimplifyHomeB4790924/$FILE/KFSPUSimplifyHomeB479.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/KFSPUSimplifyHomeB4790924/$FILE/KFSPUSimplifyHomeB479.pdf?open#page=1", "page": 1, "document_sha256": "e80f034f3bac35affb6f852fe2da4a69bf672a610b3e309c4d5945bc33c2f737", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "What does it mean if I take the Accidental Damage cover option? This option can cover you against damage caused by sudden, unforeseen and unintended events", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1381FIPCU102420251221/$FILE/POL1381FI_PCU.pdf?open", "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 option can cover you against damage caused by sudden, unforeseen and unintended events", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1381FIPCU102420251221/$FILE/POL1381FI_PCU.pdf?open#page=7", "page": 7, "document_sha256": "0442b2ab8a2cadd41577af190acf31a53f5c1eb6a14106d724ef5ab4f257e85f", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1381FIPCU102420251221/$FILE/POL1381FI_PCU.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/POL1381FIPCU102420251221/$FILE/POL1381FI_PCU.pdf?open#page=58", "page": 58, "document_sha256": "0442b2ab8a2cadd41577af190acf31a53f5c1eb6a14106d724ef5ab4f257e85f", "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 on building cover." ], "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-insurance-home-and-contents-policy-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": "Police Credit Union 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 Product Disclosure Statement", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1403FIPCU102420251221/$FILE/POL1403FI_PCU.pdf?open", "date": "2024-09-01" }, { "title": "Key Facts Sheet - Landlord Building", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSPUSimplifyLandlordB4790924/$FILE/KFSPUSimplifyLandlordB479.pdf?open", "date": "2024-09-01" } ], "quotes": { "product": { "text": "The insurer of this Landlord Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1403FIPCU102420251221/$FILE/POL1403FI_PCU.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Landlord Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1403FIPCU102420251221/$FILE/POL1403FI_PCU.pdf?open#page=2", "page": 2, "document_sha256": "891f89ce64bfc0bae98cb6d2cc372caf624d0ff185d53e5d6ce5486c32c384f6", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSPUSimplifyLandlordB4790924/$FILE/KFSPUSimplifyLandlordB479.pdf?open", "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://www.einsure.com.au/wb/public/openPolicyDocument/KFSPUSimplifyLandlordB4790924/$FILE/KFSPUSimplifyLandlordB479.pdf?open#page=1", "page": 1, "document_sha256": "2db4d6ba8c255ff26f24c82573e710ebd36716adafe1cfb9cedf59f26d5b9b84", "confirmed": "2026-11-13" } }, "flood": { "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSPUSimplifyLandlordB4790924/$FILE/KFSPUSimplifyLandlordB479.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/KFSPUSimplifyLandlordB4790924/$FILE/KFSPUSimplifyLandlordB479.pdf?open#page=1", "page": 1, "document_sha256": "2db4d6ba8c255ff26f24c82573e710ebd36716adafe1cfb9cedf59f26d5b9b84", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1403FIPCU102420251221/$FILE/POL1403FI_PCU.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/POL1403FIPCU102420251221/$FILE/POL1403FI_PCU.pdf?open#page=58", "page": 58, "document_sha256": "891f89ce64bfc0bae98cb6d2cc372caf624d0ff185d53e5d6ce5486c32c384f6", "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 for the landlord policy was not stated in the documents read, so it is left blank." ], "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": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1381FIPCU102420251221/$FILE/POL1381FI_PCU.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1381FIPCU102420251221/$FILE/POL1381FI_PCU.pdf?open#page=2", "page": 2, "document_sha256": "0442b2ab8a2cadd41577af190acf31a53f5c1eb6a14106d724ef5ab4f257e85f", "confirmed": "2026-11-13" } }, "distributor": { "text": "Home and Contents Insurance is distributed by Police Credit Union Limited, ABN 30 087 651 205 AFSL No 238991.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1381FIPCU102420251221/$FILE/POL1381FI_PCU.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Home and Contents Insurance is distributed by Police Credit Union Limited, ABN 30 087 651 205 AFSL No 238991.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1381FIPCU102420251221/$FILE/POL1381FI_PCU.pdf?open#page=2", "page": 2, "document_sha256": "0442b2ab8a2cadd41577af190acf31a53f5c1eb6a14106d724ef5ab4f257e85f", "confirmed": "2026-11-13" } } }, "curation_notes": null, "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": "238991", "name": "POLICE CREDIT UNION LIMITED", "abn": "30087651205", "acn": null, "licensed_since": "2004-02-13", "locality": "Adelaide SA 5000", "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/police-credit-union/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/police-credit-union.json" }, { "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" }, { "slug": "qbe", "name": "QBE", "website": "https://www.qbe.com/au", "kind": "insurer", "underwriter": "QBE Insurance (Australia) Limited", "underwriter_abn": "78003191035", "underwriter_afsl": "239545", "lloyds": false, "distributor": null, "products": [ { "name": "QBE Small Business Insurance", "type": "business_property", "segment": "commercial", "channel": "direct", "online_quote": true, "cover_basis": null, "buffer_percent": null, "flood": "excluded", "accidental_damage": "included", "levels": [], "eligibility": "Small businesses in listed occupations; the page gives trades 'up to 5 employees and under $1 million turnover' and hospitality and retail 'up to 10 employees and $2 million turnover'. Business Buildings and Contents is an optional add-on to the Business Liability base cover.", "states": null, "documents": [ { "title": "QBE Small Business Insurance Policy Wording QM9264-0723", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3B50CC50-C41A-46BA-A8A7-55A3B3B115AD", "date": "2023-07-15" } ], "quotes": { "product": { "text": "QBE’s Small Business Insurance automatically comes with Business Liability cover as your base.", "url": "https://www.qbe.com/au/business-insurance/small-business", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "QBE’s Small Business Insurance automatically comes with Business Liability cover as your base.", "url": "https://www.qbe.com/au/business-insurance/small-business#:~:text=QBE%E2%80%99s%20Small%20Business%20Insurance%20automatically,Liability%20cover%20as%20your%20base.", "document_sha256": "8309c26c7674a3119015452bcc72c14557d4449269516b470b7a5dd3a448a9cf", "confirmed": "2026-11-13" } }, "channel": { "text": "Buy online and tailor your cover to meet your needs.", "url": "https://www.qbe.com/au/business-insurance/small-business", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Buy online and tailor your cover to meet your needs.", "url": "https://www.qbe.com/au/business-insurance/small-business#:~:text=Buy%20online%20and%20tailor%20your%20cover%20to%20meet%20your%20needs.", "document_sha256": "8309c26c7674a3119015452bcc72c14557d4449269516b470b7a5dd3a448a9cf", "confirmed": "2026-11-13" } }, "online_quote": { "text": "Buy online and tailor your cover to meet your needs.", "url": "https://www.qbe.com/au/business-insurance/small-business", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Buy online and tailor your cover to meet your needs.", "url": "https://www.qbe.com/au/business-insurance/small-business#:~:text=Buy%20online%20and%20tailor%20your%20cover%20to%20meet%20your%20needs.", "document_sha256": "8309c26c7674a3119015452bcc72c14557d4449269516b470b7a5dd3a448a9cf", "confirmed": "2026-11-13" } }, "flood": { "text": "Wind, water and rain (includes snow and hail) and any other liquid discharged, overflowing, leaking or bursting from mains, fixed pipes, gutters, drains, fixed tanks or fixed apparatus used to hold or carry liquids, but not loss or damage: (a) by sea, tidal wave, tsunami, high water, storm surge or flood;", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3B50CC50-C41A-46BA-A8A7-55A3B3B115AD", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Wind, water and rain (includes snow and hail) and any other liquid discharged, overflowing, leaking or bursting from mains, fixed pipes, gutters, drains, fixed tanks or fixed apparatus used to hold or carry liquids, but not loss or damage: (a) by sea, tidal wave, tsunami, high water, storm surge or flood;", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3B50CC50-C41A-46BA-A8A7-55A3B3B115AD#page=50", "page": 50, "document_sha256": "2534e0753d7402882d147af587e684b9a54fa9cf472d2a44a836f1ee4acebbde", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "11. Accidental damage (a) Loss of or damage to buildings or contents caused by any accident except loss or damage caused by:", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3B50CC50-C41A-46BA-A8A7-55A3B3B115AD", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "11. Accidental damage (a) Loss of or damage to buildings or contents caused by any accident except loss or damage caused by:", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3B50CC50-C41A-46BA-A8A7-55A3B3B115AD#page=53", "page": 53, "document_sha256": "2534e0753d7402882d147af587e684b9a54fa9cf472d2a44a836f1ee4acebbde", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Designed for eligible retail businesses with up to 10 employees and $2 million turnover.", "url": "https://www.qbe.com/au/business-insurance/small-business", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Designed for eligible retail businesses with up to 10 employees and $2 million turnover.", "url": "https://www.qbe.com/au/business-insurance/small-business#:~:text=Designed%20for%20eligible%20retail%20businesses,employees%20and%20%242%20million%20turnover.", "document_sha256": "8309c26c7674a3119015452bcc72c14557d4449269516b470b7a5dd3a448a9cf", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "This policy excludes loss, damage or liability during any period in excess of 60 consecutive days during which the business premises are left unoccupied, unless with our written consent (which we will not unreasonably withhold).", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3B50CC50-C41A-46BA-A8A7-55A3B3B115AD", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This policy excludes loss, damage or liability during any period in excess of 60 consecutive days during which the business premises are left unoccupied, unless with our written consent (which we will not unreasonably withhold).", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3B50CC50-C41A-46BA-A8A7-55A3B3B115AD#page=108", "page": 108, "document_sha256": "2534e0753d7402882d147af587e684b9a54fa9cf472d2a44a836f1ee4acebbde", "confirmed": "2026-11-13" } } }, "conditions": [ "Buildings cover is an add-on: 'Add any of the following to your Small Business Insurance: Business Buildings and Contents, Business Interruption, Portable Items, Glass, Breakdown, Money and Tax Audit.'", "Business Interruption can only be added if Business Buildings and Contents is selected.", "Buildings include lessors' fixtures and fittings and structural improvements used by the business; buildings used as a residence are excluded.", "Flood is not listed among the Insured Events in the QM9264-0723 wording.", "Latest wording listed on QBE's page is dated July 2023; not verified whether it is still current." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unless QBE gave written consent (not unreasonably withheld). Occupied means used for business at least two days in a row.", "then": null, "label": "No cover after 60 days" }, "id": "small-business-insurance", "type_label": "Business property", "issuers": [ { "name": "QBE Insurance (Australia) Limited", "abn": "78003191035", "afsl": "239545", "lloyds": false, "slug": "qbe-insurance-australia", "apra": { "status": "authorised", "name": "QBE Insurance (Australia) 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": "239545", "name": "QBE INSURANCE (AUSTRALIA) LIMITED", "abn": "78003191035", "acn": null, "licensed_since": "2004-03-10", "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": "QBE Commercial Property Insurance", "type": "business_property", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Medium to large businesses across industries, including wholesalers, manufacturers, property owners and multinational placements; smaller businesses with high-value assets by arrangement.", "states": null, "documents": [], "quotes": { "product": { "text": "QBE’s Commercial Property insurance provides cover for a whole range of medium to large businesses covering all types of industries and sectors – including wholesalers, manufacturers, property owners and multinational placements.", "url": "https://www.qbe.com/au/business-insurance/property", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "QBE’s Commercial Property insurance provides cover for a whole range of medium to large businesses covering all types of industries and sectors – including wholesalers, manufacturers, property owners and multinational placements.", "url": "https://www.qbe.com/au/business-insurance/property#:~:text=QBE%E2%80%99s%20Commercial%20Property%20insurance%20provides,property%20owners%20and%20multinational%20placements.", "document_sha256": "5fe5d04c7e122f5d924608cd87e7a588132b99a4c4becfac0ef43fa01c7d2b4d", "confirmed": "2026-11-13" } }, "channel": { "text": "Our Property insurance is available through brokers and QBE authorised representatives.", "url": "https://www.qbe.com/au/business-insurance/property", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Our Property insurance is available through brokers and QBE authorised representatives.", "url": "https://www.qbe.com/au/business-insurance/property#:~:text=Our%20Property%20insurance%20is%20available,brokers%20and%20QBE%20authorised%20representatives.", "document_sha256": "5fe5d04c7e122f5d924608cd87e7a588132b99a4c4becfac0ef43fa01c7d2b4d", "confirmed": "2026-11-13" } }, "online_quote": { "text": "Our Property insurance is available through brokers and QBE authorised representatives.", "url": "https://www.qbe.com/au/business-insurance/property", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Our Property insurance is available through brokers and QBE authorised representatives.", "url": "https://www.qbe.com/au/business-insurance/property#:~:text=Our%20Property%20insurance%20is%20available,brokers%20and%20QBE%20authorised%20representatives.", "document_sha256": "5fe5d04c7e122f5d924608cd87e7a588132b99a4c4becfac0ef43fa01c7d2b4d", "confirmed": "2026-11-13" } }, "eligibility": { "text": "We can also provide cover for smaller businesses with high value assets.", "url": "https://www.qbe.com/au/business-insurance/property", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We can also provide cover for smaller businesses with high value assets.", "url": "https://www.qbe.com/au/business-insurance/property#:~:text=We%20can%20also%20provide%20cover,businesses%20with%20high%20value%20assets.", "document_sha256": "5fe5d04c7e122f5d924608cd87e7a588132b99a4c4becfac0ef43fa01c7d2b4d", "confirmed": "2026-11-13" } } }, "conditions": [ "QBE says its Business Packages product may suit small and medium businesses instead; that page (qbe.com/au/business-insurance/business-packages) returned a Cloudflare 403 and could not be read.", "PDS and TMD are available only from brokers; QBE's TMD page hides broker TMD links behind an accordion that could not be read." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "commercial-property-insurance", "type_label": "Business property", "issuers": [ { "name": "QBE Insurance (Australia) Limited", "abn": "78003191035", "afsl": "239545", "lloyds": false, "slug": "qbe-insurance-australia", "apra": { "status": "authorised", "name": "QBE Insurance (Australia) 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": "239545", "name": "QBE INSURANCE (AUSTRALIA) LIMITED", "abn": "78003191035", "acn": null, "licensed_since": "2004-03-10", "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": "QBE Home Insurance (home building cover)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured_buffer", "buffer_percent": 30, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": "Owners of a home in Australia used for residential purposes; not for rented-out homes, strata units insured by a body corporate, or homes under construction or unoccupied for more than 90 days.", "states": null, "documents": [ { "title": "Home Insurance Product Disclosure Statement (QM8697-1124)", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=E6E46774-12E2-4D2A-A23B-C0FC76C95763", "date": "2024-11-11" }, { "title": "Home Insurance Additional Information Guide (QM8700-0425)", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=C3990775-94F1-4049-B261-DA6E5F289744", "date": "2025-04-01" }, { "title": "Home Insurance - Buildings Key Facts Sheet (QM8703-1020)", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=1C040A14-8C79-475B-843C-83CD36ADD484", "date": "2020-12-10" }, { "title": "Target Market Determination (QM9143-0826)", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3EB77648-7E3C-43AC-89F5-BF6070517391", "date": "2026-08-18" } ], "quotes": { "product": { "text": "Need home insurance for a property you own and live in? Select cover for your home, its contents, or both.", "url": "https://www.qbe.com/au/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Need home insurance for a property you own and live in? Select cover for your home, its contents, or both.", "url": "https://www.qbe.com/au/home-insurance#:~:text=Need%20home%20insurance%20for%20a,home%2C%20its%20contents%2C%20or%20both.", "document_sha256": "f7e1c36b93ce4faef24afc8335bfb95c83f66ab1d6d95298a744e5aea7d09e62", "confirmed": "2026-11-13" } }, "channel": { "text": "Home Insurance – QM8697can only be sold by the following Distribution Channel/s: • QBE; or • An approved Authorised Representative of QBE who operates under our AFS licence.", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3EB77648-7E3C-43AC-89F5-BF6070517391", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Home Insurance – QM8697can only be sold by the following Distribution Channel/s: • QBE; or • An approved Authorised Representative of QBE who operates under our AFS licence.", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3EB77648-7E3C-43AC-89F5-BF6070517391#page=10", "page": 10, "document_sha256": "0657d6e187c0fdc3f719a567a8df1ec37720ee63f0a79e585fc9476614aad443", "confirmed": "2026-11-13" } }, "online_quote": { "text": "Get a quote", "url": "https://www.qbe.com/au/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Get a quote", "url": "https://www.qbe.com/au/home-insurance#:~:text=Get%20a%20quote", "document_sha256": "f7e1c36b93ce4faef24afc8335bfb95c83f66ab1d6d95298a744e5aea7d09e62", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "If you have the Safeguard and make a claim that exceeds your buildings sum insured, we’ll pay up to 30% more than the buildings sum insured shown on your Certificate of Insurance.", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=E6E46774-12E2-4D2A-A23B-C0FC76C95763", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If you have the Safeguard and make a claim that exceeds your buildings sum insured, we’ll pay up to 30% more than the buildings sum insured shown on your Certificate of Insurance.", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=E6E46774-12E2-4D2A-A23B-C0FC76C95763#page=15", "page": 15, "document_sha256": "6258924591b716d4a25a394f736703534bccb67384500a4af57a159f0aff9f62", "confirmed": "2026-11-13" } }, "flood": { "text": "Cover for damage or loss caused by storm, fire, theft, flood and more", "url": "https://www.qbe.com/au/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for damage or loss caused by storm, fire, theft, flood and more", "url": "https://www.qbe.com/au/home-insurance#:~:text=Cover%20for%20damage%20or%20loss,fire%2C%20theft%2C%20flood%20and%20more", "document_sha256": "f7e1c36b93ce4faef24afc8335bfb95c83f66ab1d6d95298a744e5aea7d09e62", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "If we agree, you can choose to add the Accidental Damage option for an additional premium.", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=E6E46774-12E2-4D2A-A23B-C0FC76C95763", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If we agree, you can choose to add the Accidental Damage option for an additional premium.", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=E6E46774-12E2-4D2A-A23B-C0FC76C95763#page=50", "page": 50, "document_sha256": "6258924591b716d4a25a394f736703534bccb67384500a4af57a159f0aff9f62", "confirmed": "2026-11-13" } }, "eligibility": { "text": "own a home in Australia used for residential purposes.", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3EB77648-7E3C-43AC-89F5-BF6070517391", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "own a home in Australia used for residential purposes.", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3EB77648-7E3C-43AC-89F5-BF6070517391#page=2", "page": 2, "document_sha256": "0657d6e187c0fdc3f719a567a8df1ec37720ee63f0a79e585fc9476614aad443", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "This excess applies when: • you do not tell us that your property will be unoccupied for more than 90 consecutive days; and • you make a claim for an incident that occurs more than 90 days after your property was first unoccupied.", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=E6E46774-12E2-4D2A-A23B-C0FC76C95763", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This excess applies when: • you do not tell us that your property will be unoccupied for more than 90 consecutive days; and • you make a claim for an incident that occurs more than 90 days after your property was first unoccupied.", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=E6E46774-12E2-4D2A-A23B-C0FC76C95763#page=85", "page": 85, "document_sha256": "6258924591b716d4a25a394f736703534bccb67384500a4af57a159f0aff9f62", "confirmed": "2026-11-13" } }, "unoccupied_excess": { "text": "Number of consecutive days unoccupied: 91-365 days: $1,500 366+ days: $4,500", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=C3990775-94F1-4049-B261-DA6E5F289744", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Number of consecutive days unoccupied: 91-365 days: $1,500 366+ days: $4,500", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=C3990775-94F1-4049-B261-DA6E5F289744#page=4", "page": 4, "document_sha256": "e16638bbf5f955be5759ed146f068808fd7e9a0dea75203a56036092a304bd7f", "confirmed": "2026-11-13" } } }, "conditions": [ "The 30% Buildings Sum Insured Safeguard only applies if it is shown on the Certificate of Insurance ('if eligible' on the product page).", "Accidental damage cover is an option added for extra premium, and only if QBE agrees.", "The buildings Key Facts Sheet on QBE's site is dated 2020, older than the November 2024 PDS." ], "unoccupied": { "days": 90, "effect": "extra_excess", "excess": 1500, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Only if you did not tell QBE; not charged for riot, lightning, earthquake, tsunami, collision or falling trees. Agreed periods carry a different excess.", "then": { "days": 365, "effect": "extra_excess", "excess": 4500 }, "label": "Extra $1,500 excess after 90 days; extra $4,500 excess after 365 days" }, "id": "home-insurance-home-building-cover", "type_label": "Home building", "issuers": [ { "name": "QBE Insurance (Australia) Limited", "abn": "78003191035", "afsl": "239545", "lloyds": false, "slug": "qbe-insurance-australia", "apra": { "status": "authorised", "name": "QBE Insurance (Australia) 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": "239545", "name": "QBE INSURANCE (AUSTRALIA) LIMITED", "abn": "78003191035", "acn": null, "licensed_since": "2004-03-10", "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": "QBE Landlord Insurance (building cover)", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured_buffer", "buffer_percent": 30, "flood": "included", "accidental_damage": "included", "levels": [], "eligibility": "Owners of a residential home in Australia rented to tenants under a lease, or a holiday home rented to paying guests; not for owner-occupiers or strata units insured by a body corporate.", "states": null, "documents": [ { "title": "Landlord Insurance Product Disclosure Statement (QM8699-1124)", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=8B024B34-0FCB-402A-9462-C0FF59805FAF", "date": "2024-11-11" }, { "title": "Landlord Insurance Additional Information Guide (QM8702-0425)", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=6B07394D-C9AA-4824-B039-B30B6676112B", "date": "2025-04-01" }, { "title": "Target Market Determination (QM9145-0825)", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=276223B4-CEA0-4E6C-888E-B171F6EF5912", "date": "2025-08-01" } ], "quotes": { "product": { "text": "Cover for your rental property and, if it’s furnished, choose cover for your contents too.", "url": "https://www.qbe.com/au/home-insurance/landlord-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for your rental property and, if it’s furnished, choose cover for your contents too.", "url": "https://www.qbe.com/au/home-insurance/landlord-insurance#:~:text=Cover%20for%20your%20rental%20property,cover%20for%20your%20contents%20too.", "document_sha256": "3fa2d1861c1984498739d8d0b85f0024a533fd80cedcc69064dec85e7db12410", "confirmed": "2026-11-13" } }, "channel": { "text": "Compare options below and get a QBE Landlord Insurance quote online in minutes.", "url": "https://www.qbe.com/au/home-insurance/landlord-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Compare options below and get a QBE Landlord Insurance quote online in minutes.", "url": "https://www.qbe.com/au/home-insurance/landlord-insurance#:~:text=Compare%20options%20below%20and%20get,Insurance%20quote%20online%20in%20minutes.", "document_sha256": "3fa2d1861c1984498739d8d0b85f0024a533fd80cedcc69064dec85e7db12410", "confirmed": "2026-11-13" } }, "online_quote": { "text": "Compare options below and get a QBE Landlord Insurance quote online in minutes.", "url": "https://www.qbe.com/au/home-insurance/landlord-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Compare options below and get a QBE Landlord Insurance quote online in minutes.", "url": "https://www.qbe.com/au/home-insurance/landlord-insurance#:~:text=Compare%20options%20below%20and%20get,Insurance%20quote%20online%20in%20minutes.", "document_sha256": "3fa2d1861c1984498739d8d0b85f0024a533fd80cedcc69064dec85e7db12410", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "If you have the Safeguard and have a claim that exceeds your buildings sum insured, we’ll pay up to 30% more than the buildings sum insured shown on your Certificate of Insurance.", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=8B024B34-0FCB-402A-9462-C0FF59805FAF", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If you have the Safeguard and have a claim that exceeds your buildings sum insured, we’ll pay up to 30% more than the buildings sum insured shown on your Certificate of Insurance.", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=8B024B34-0FCB-402A-9462-C0FF59805FAF#page=14", "page": 14, "document_sha256": "365de6f4ed2b4965dce38d5fd4ac878beb4b295a93461769bcd5302964aef08b", "confirmed": "2026-11-13" } }, "flood": { "text": "Insured Event Storm, storm surge, rain, hail or flood Storm includes cyclone.", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=8B024B34-0FCB-402A-9462-C0FF59805FAF", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Insured Event Storm, storm surge, rain, hail or flood Storm includes cyclone.", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=8B024B34-0FCB-402A-9462-C0FF59805FAF#page=20", "page": 20, "document_sha256": "365de6f4ed2b4965dce38d5fd4ac878beb4b295a93461769bcd5302964aef08b", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Cover for accidental damage caused by you, your tenant or a paying guest", "url": "https://www.qbe.com/au/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for accidental damage caused by you, your tenant or a paying guest", "url": "https://www.qbe.com/au/home-insurance#:~:text=Cover%20for%20accidental%20damage%20caused,tenant%20or%20a%20paying%20guest", "document_sha256": "f7e1c36b93ce4faef24afc8335bfb95c83f66ab1d6d95298a744e5aea7d09e62", "confirmed": "2026-11-13" } }, "eligibility": { "text": "own a home in Australia used for residential purposes that they rent out to tenants under a lease agreement; or", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=276223B4-CEA0-4E6C-888E-B171F6EF5912", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "own a home in Australia used for residential purposes that they rent out to tenants under a lease agreement; or", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=276223B4-CEA0-4E6C-888E-B171F6EF5912#page=2", "page": 2, "document_sha256": "1854e66d3e1472f609040a9447b525a38b24ba5f37feb799e269092a92230c6e", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "This excess applies when: • you do not tell us that your rental property will be unoccupied for more than 90 consecutive days; and • you make a claim for an incident that occurs more than 90 days after your rental property was first unoccupied.", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=8B024B34-0FCB-402A-9462-C0FF59805FAF", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This excess applies when: • you do not tell us that your rental property will be unoccupied for more than 90 consecutive days; and • you make a claim for an incident that occurs more than 90 days after your rental property was first unoccupied.", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=8B024B34-0FCB-402A-9462-C0FF59805FAF#page=79", "page": 79, "document_sha256": "365de6f4ed2b4965dce38d5fd4ac878beb4b295a93461769bcd5302964aef08b", "confirmed": "2026-11-13" } }, "unoccupied_excess": { "text": "Number of consecutive days unoccupied: 91-365 days: $1,500 366+ days: $4,500", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=6B07394D-C9AA-4824-B039-B30B6676112B", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Number of consecutive days unoccupied: 91-365 days: $1,500 366+ days: $4,500", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=6B07394D-C9AA-4824-B039-B30B6676112B#page=3", "page": 3, "document_sha256": "6a0345f42bc0efe2256351ce2b31dc2d39a76a02804a160cb6e725e9ff0165ba", "confirmed": "2026-11-13" } } }, "conditions": [ "The 30% Buildings Sum Insured Safeguard only applies if it is shown on the Certificate of Insurance." ], "unoccupied": { "days": 90, "effect": "extra_excess", "excess": 1500, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Only if you did not tell QBE; not charged for riot, lightning, earthquake, tsunami, collision or falling trees. Agreed periods carry a different excess.", "then": { "days": 365, "effect": "extra_excess", "excess": 4500 }, "label": "Extra $1,500 excess after 90 days; extra $4,500 excess after 365 days" }, "id": "landlord-insurance-building-cover", "type_label": "Landlord", "issuers": [ { "name": "QBE Insurance (Australia) Limited", "abn": "78003191035", "afsl": "239545", "lloyds": false, "slug": "qbe-insurance-australia", "apra": { "status": "authorised", "name": "QBE Insurance (Australia) 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": "239545", "name": "QBE INSURANCE (AUSTRALIA) LIMITED", "abn": "78003191035", "acn": null, "licensed_since": "2004-03-10", "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": "This insurance is issued by QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFSL 239545.", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3B50CC50-C41A-46BA-A8A7-55A3B3B115AD", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This insurance is issued by QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFSL 239545.", "url": "https://qmdocumentlibrary.qbe.com/getfile?revision=3B50CC50-C41A-46BA-A8A7-55A3B3B115AD#page=3", "page": 3, "document_sha256": "2534e0753d7402882d147af587e684b9a54fa9cf472d2a44a836f1ee4acebbde", "confirmed": "2026-11-13" } } }, "curation_notes": "QBE Business Packages (broker) could not be read because the page is bot-blocked. | qbe.com is behind Cloudflare; page read via headless browser. Page names no ISR product or minimum; a trade-press report of a QBE commercial landlord ISR product for $15m-$50m values is discovery only and not published here. | qbe.com is behind a Cloudflare check; pages and PDFs were read with headless Playwright (Chromium and Firefox) after first visiting the homepage in the same context. QBE strata cover is sold by CHU and underwritten by QBE (page: 'Strata insurance is sold by CHU and underwritten by QBE'), so it is covered under CHU, not here. QBE Commercial Property (broker) and the industrial property page are covered by earlier groups. QBE Business Packages policy wording is not public.", "segments": [ "residential", "commercial" ], "issuers": [ { "name": "QBE Insurance (Australia) Limited", "abn": "78003191035", "afsl": "239545", "lloyds": false, "slug": "qbe-insurance-australia", "apra": { "status": "authorised", "name": "QBE Insurance (Australia) 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": "239545", "name": "QBE INSURANCE (AUSTRALIA) LIMITED", "abn": "78003191035", "acn": null, "licensed_since": "2004-03-10", "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": null, "page": "https://deepalmanac.com/au/insurance/building/qbe/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/qbe.json" }, { "slug": "qus", "name": "QUS (Quality Underwriting Services)", "website": "https://qus.com.au/", "kind": "underwriting_agency", "underwriter": "Certain underwriters at Lloyd's", "underwriter_abn": null, "underwriter_afsl": null, "lloyds": true, "distributor": { "name": "QUS Pty Ltd", "abn": "92122665310", "afsl": "321877", "authorised_representative_no": null }, "products": [ { "name": "QUS Strata Select (residential strata)", "type": "residential_strata", "segment": "residential", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "excluded", "accidental_damage": null, "levels": [], "eligibility": "Owners of strata-titled buildings, common contents and common areas under strata or community titles legislation, located in Australia excluding Northern Australia.", "states": null, "documents": [ { "title": "Strata Select PDS & Policy Wording CCQUS SS0726 (9 June 2026)", "url": "https://qus.com.au/wp-content/uploads/2026/06/Strata-Select-PDS-Policy-Wording-CCQUS-SS0726.pdf", "date": "2026-06-09" }, { "title": "Target Market Determination - Strata Select (effective 1 July 2026)", "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf", "date": "2026-07-01" } ], "quotes": { "channel": { "text": "The insurance products referred to on this website can only be purchased through a broker.", "url": "https://qus.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurance products referred to on this website can only be purchased through a broker.", "url": "https://qus.com.au/#:~:text=The%20insurance%20products%20referred%20to,be%20purchased%20through%20a%20broker.", "document_sha256": "7587ee1c9f45c091b4db813aeb846aa4a396b2582285e6418abd66b0db8e3d92", "confirmed": "2026-11-13" } }, "flood": { "text": "No cover is provided for flood.", "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "No cover is provided for flood.", "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf#page=3", "page": 3, "document_sha256": "7fbd94f31d33acbea8ab796de7062220789b974933cf7e1adae3908d9145336a", "confirmed": "2026-11-13" } }, "eligibility": { "text": "the property is located within Australia (excluding Northern Australia)", "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "the property is located within Australia (excluding Northern Australia)", "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf#page=2", "page": 2, "document_sha256": "7fbd94f31d33acbea8ab796de7062220789b974933cf7e1adae3908d9145336a", "confirmed": "2026-11-13" } }, "product": { "text": "Residential Strata Important Documents: Strata Select PDS & Policy Wording CCQUS SS0726", "url": "https://qus.com.au/residential-strata/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Residential Strata Important Documents: Strata Select PDS & Policy Wording CCQUS SS0726", "url": "https://qus.com.au/residential-strata/#:~:text=Residential%20Strata%20Important%20Documents%3A%20Strata,%26%20Policy%20Wording%20CCQUS%20SS0726", "document_sha256": "e832e270480eb87ddda317a5fd7e10dbc95511704d37fe14b7adf59ca1e0ff9f", "confirmed": "2026-11-13" } } }, "conditions": [ "Flood is listed among the exclusions applying to Section 1 (Property Insured)." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "strata-select-residential-strata", "type_label": "Residential strata", "issuers": [ { "name": "Certain underwriters at Lloyd's", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] }, { "name": "QUS Strata Select (commercial strata)", "type": "commercial_strata", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "excluded", "accidental_damage": null, "levels": [], "eligibility": "Same Strata Select policy as residential: strata-titled buildings, including commercial or mixed commercial/residential, outside Northern Australia.", "states": null, "documents": [ { "title": "Strata Select PDS & Policy Wording CCQUS SS0726 (9 June 2026)", "url": "https://qus.com.au/wp-content/uploads/2026/06/Strata-Select-PDS-Policy-Wording-CCQUS-SS0726.pdf", "date": "2026-06-09" }, { "title": "Target Market Determination - Strata Select (effective 1 July 2026)", "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf", "date": "2026-07-01" } ], "quotes": { "channel": { "text": "The insurance products referred to on this website can only be purchased through a broker.", "url": "https://qus.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurance products referred to on this website can only be purchased through a broker.", "url": "https://qus.com.au/#:~:text=The%20insurance%20products%20referred%20to,be%20purchased%20through%20a%20broker.", "document_sha256": "7587ee1c9f45c091b4db813aeb846aa4a396b2582285e6418abd66b0db8e3d92", "confirmed": "2026-11-13" } }, "flood": { "text": "No cover is provided for flood.", "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "No cover is provided for flood.", "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf#page=3", "page": 3, "document_sha256": "7fbd94f31d33acbea8ab796de7062220789b974933cf7e1adae3908d9145336a", "confirmed": "2026-11-13" } }, "eligibility": { "text": "the property is located within Australia (excluding Northern Australia)", "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "the property is located within Australia (excluding Northern Australia)", "url": "https://qus.com.au/wp-content/uploads/2026/06/Target-market-determination-Strata-Select-PDS-Policy-Wording-CCQUS-SS1222-effective-1-July-2026.pdf#page=2", "page": 2, "document_sha256": "7fbd94f31d33acbea8ab796de7062220789b974933cf7e1adae3908d9145336a", "confirmed": "2026-11-13" } }, "product": { "text": "Commercial Strata Important Documents: Strata Select PDS & Policy Wording CCQUS SS0726", "url": "https://qus.com.au/commercial-strata/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Commercial Strata Important Documents: Strata Select PDS & Policy Wording CCQUS SS0726", "url": "https://qus.com.au/commercial-strata/#:~:text=Commercial%20Strata%20Important%20Documents%3A%20Strata,%26%20Policy%20Wording%20CCQUS%20SS0726", "document_sha256": "e48e5346b33e575e3c2b4e7c7b4b2068149b6f5e378596e546a25ad841c22e8f", "confirmed": "2026-11-13" } } }, "conditions": [ "Same PDS as the residential product; the proposal records whether the building contains commercial or residential lots or both." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "strata-select-commercial-strata", "type_label": "Commercial strata", "issuers": [ { "name": "Certain underwriters at Lloyd's", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] } ], "quotes": { "underwriter": { "text": "QUS Pty Ltd (ABN 92 122 665 310, AFSL 321877) (‘QUS’) distributes the products acting under a binding authority as agent for the Insurer(s) certain underwriters at Lloyd’s.", "url": "https://qus.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "QUS Pty Ltd (ABN 92 122 665 310, AFSL 321877) (‘QUS’) distributes the products acting under a binding authority as agent for the Insurer(s) certain underwriters at Lloyd’s.", "url": "https://qus.com.au/#:~:text=QUS%20Pty%20Ltd%20%28ABN%2092,Insurer%28s%29%20certain%20underwriters%20at%20Lloyd%E2%80%99s.", "document_sha256": "7587ee1c9f45c091b4db813aeb846aa4a396b2582285e6418abd66b0db8e3d92", "confirmed": "2026-11-13" } } }, "curation_notes": "Older QUS documents on the site were AIG-backed; the current June 2026 PDS says the insurers are certain underwriters at Lloyd's. One policy (Strata Select) serves both residential and commercial strata. The 'product' quote is the website's document heading naming the policy.", "segments": [ "residential", "commercial" ], "issuers": [ { "name": "Certain underwriters at Lloyd's", "abn": null, "afsl": null, "lloyds": true, "slug": "lloyds", "apra": { "status": "lloyds", "name": null, "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ], "distributor_licence": { "afsl": "321877", "name": "QUS PTY LTD", "abn": "92122665310", "acn": null, "licensed_since": "2008-03-31", "locality": "Brisbane QLD 4000", "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/qus/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/qus.json" }, { "slug": "raa", "name": "RAA", "website": "https://www.raa.com.au/", "kind": "brand", "underwriter": "Allianz South Australia Insurance Limited", "underwriter_abn": "14007872602", "underwriter_afsl": "232525", "lloyds": false, "distributor": { "name": "Royal Automobile Association of South Australia Limited", "abn": "90020001807", "afsl": null, "authorised_representative_no": null }, "products": [ { "name": "RAA Home and Contents Insurance (home building cover)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured_buffer", "buffer_percent": 10, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": "Owners of a home located in South Australia (TMD).", "states": [ "SA" ], "documents": [ { "title": "Product Disclosure Statement (prepared 30 August 2021, with 1 July 2025 SPDS bound in front)", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/HomeInsurance/raa-home-and-contents-insurance-pds-product-disclosure-statement-30-9-2021.pdf?la=en&hash=062A650923E940EA7F2E9A3EED101C53", "date": "2021-08-30" }, { "title": "Key Facts Sheet - Home Building (prepared 1 July 2025)", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/HomeInsurance/raa-home-insurance-key-factsheet-2021-2.pdf?la=en&hash=F5573501348F2AF02BABED93E3A69200", "date": "2025-07-01" }, { "title": "Target Market Determination (effective 1 July 2025)", "url": "https://cdn-raa.dataweavers.io/-/media/Project/RAA/Web/Files/Home/HomeInsurance/tmd-home/raa-home-and-contents-insurance-target-market-determination-30-9-2021.pdf?rev=09914360f2a448eeaa54def867237e49", "date": "2025-07-01" } ], "quotes": { "product": { "text": "Award-winning home insurance built for South Australians", "url": "https://www.raa.com.au/insurance/Home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Award-winning home insurance built for South Australians", "url": "https://www.raa.com.au/insurance/Home-insurance#:~:text=Award%2Dwinning%20home%20insurance%20built%20for%20South%20Australians", "document_sha256": "7c11b7ac5f820a856fe282213d4e1c22dcb5697d6a463f43faf3102a40d62fd7", "confirmed": "2026-11-13" } }, "channel": { "text": "Get a quote online", "url": "https://www.raa.com.au/insurance/Home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Get a quote online", "url": "https://www.raa.com.au/insurance/Home-insurance#:~:text=Get%20a%20quote%20online", "document_sha256": "7c11b7ac5f820a856fe282213d4e1c22dcb5697d6a463f43faf3102a40d62fd7", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "your Home has been damaged as a result of an Insured Event; and • the Cost of replacing, repairing or rebuilding your Home exceeds your Sum Insured, we will provide additional Cover to replace, repair or rebuild your Home.", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/HomeInsurance/raa-home-and-contents-insurance-pds-product-disclosure-statement-30-9-2021.pdf?la=en&hash=062A650923E940EA7F2E9A3EED101C53", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "your Home has been damaged as a result of an Insured Event; and • the Cost of replacing, repairing or rebuilding your Home exceeds your Sum Insured, we will provide additional Cover to replace, repair or rebuild your Home.", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/HomeInsurance/raa-home-and-contents-insurance-pds-product-disclosure-statement-30-9-2021.pdf?la=en&hash=062A650923E940EA7F2E9A3EED101C53#page=57", "page": 57, "document_sha256": "d40d483556a4311bdca488f3a50a28ad1fef9f2a9c5a663c01b522dcc7733f5e", "confirmed": "2026-11-13" } }, "buffer_percent": { "text": "in which case we will Cover you for these benefits in addition to the Sum Insured for the relevant Insured Property. 10% of Sum Insured for Home for any one Insured Event.", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/HomeInsurance/raa-home-and-contents-insurance-pds-product-disclosure-statement-30-9-2021.pdf?la=en&hash=062A650923E940EA7F2E9A3EED101C53", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "in which case we will Cover you for these benefits in addition to the Sum Insured for the relevant Insured Property. 10% of Sum Insured for Home for any one Insured Event.", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/HomeInsurance/raa-home-and-contents-insurance-pds-product-disclosure-statement-30-9-2021.pdf?la=en&hash=062A650923E940EA7F2E9A3EED101C53#page=57", "page": 57, "document_sha256": "d40d483556a4311bdca488f3a50a28ad1fef9f2a9c5a663c01b522dcc7733f5e", "confirmed": "2026-11-13" } }, "flood": { "text": "Cover for loss or damage to the Insured Property as a result of Flood.", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/HomeInsurance/raa-home-and-contents-insurance-pds-product-disclosure-statement-30-9-2021.pdf?la=en&hash=062A650923E940EA7F2E9A3EED101C53", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for loss or damage to the Insured Property as a result of Flood.", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/HomeInsurance/raa-home-and-contents-insurance-pds-product-disclosure-statement-30-9-2021.pdf?la=en&hash=062A650923E940EA7F2E9A3EED101C53#page=50", "page": 50, "document_sha256": "d40d483556a4311bdca488f3a50a28ad1fef9f2a9c5a663c01b522dcc7733f5e", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Home Insurance is persons who: • owns a home located in South Australia;", "url": "https://cdn-raa.dataweavers.io/-/media/Project/RAA/Web/Files/Home/HomeInsurance/tmd-home/raa-home-and-contents-insurance-target-market-determination-30-9-2021.pdf?rev=09914360f2a448eeaa54def867237e49", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Home Insurance is persons who: • owns a home located in South Australia;", "url": "https://cdn-raa.dataweavers.io/-/media/Project/RAA/Web/Files/Home/HomeInsurance/tmd-home/raa-home-and-contents-insurance-target-market-determination-30-9-2021.pdf?rev=09914360f2a448eeaa54def867237e49#page=3", "page": 3, "document_sha256": "41ec1bcba4f99102d1da308866d71312790397987a87dfb4c6a7835d77f399b0", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "We will not Cover you for loss, damage or liability caused by or arising from Theft or Malicious Damage if the Home has been Unoccupied for more than 90 consecutive days and remains Unoccupied at the time of the Theft or the Malicious Damage", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/HomeInsurance/raa-home-and-contents-insurance-pds-product-disclosure-statement-30-9-2021.pdf?la=en&hash=062A650923E940EA7F2E9A3EED101C53", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We will not Cover you for loss, damage or liability caused by or arising from Theft or Malicious Damage if the Home has been Unoccupied for more than 90 consecutive days and remains Unoccupied at the time of the Theft or the Malicious Damage", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/HomeInsurance/raa-home-and-contents-insurance-pds-product-disclosure-statement-30-9-2021.pdf?la=en&hash=062A650923E940EA7F2E9A3EED101C53#page=74", "page": 74, "document_sha256": "d40d483556a4311bdca488f3a50a28ad1fef9f2a9c5a663c01b522dcc7733f5e", "confirmed": "2026-11-13" } } }, "conditions": [ "Accidental Damage is an optional cover in the PDS but its wording covers Contents only; no accidental-damage option for the building was found, so the field is null. Accidental breakage of glass and sanitary fixtures is included.", "The PDS is dated 30 August 2021 and is amended by a Supplementary PDS effective 1 July 2025 that changes the insurer name from RAA Insurance Limited to Allianz South Australia Insurance Limited.", "The safety-net buffer (10% of the Sum Insured) is shown in the PDS table of additional benefits." ], "unoccupied": { "days": 90, "effect": "reduced_cover", "excess": null, "excluded_events": "theft, malicious damage", "still_covered": null, "must_tell": true, "conditions": "Cover returns once the home is occupied again. Unoccupied means no one eating, sleeping and living there, or no electricity connected.", "then": null, "label": "Some events not covered after 90 days" }, "id": "home-and-contents-insurance-home-building-cover", "type_label": "Home building", "issuers": [ { "name": "Allianz South Australia Insurance Limited", "abn": "14007872602", "afsl": "232525", "lloyds": false, "slug": "allianz-south-australia-insurance", "apra": { "status": "authorised", "name": "Allianz South Australia Insurance Limited (formerly RAA 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": "232525", "name": "ALLIANZ SOUTH AUSTRALIA INSURANCE LIMITED", "abn": "14007872602", "acn": null, "licensed_since": "2003-11-17", "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": "RAA Landlord and Short Stay Insurance (building cover)", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured_buffer", "buffer_percent": 10, "flood": "included", "accidental_damage": null, "levels": [ "Landlord (permanent rental)", "Short Stay (holiday rental)" ], "eligibility": "Owners of a rental or short stay (holiday) rental property located in South Australia (TMD).", "states": [ "SA" ], "documents": [ { "title": "Product Disclosure Statement (prepared 30 August 2021, with 1 July 2025 SPDS bound in front)", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/Landlord/raa-landlord-and-short-stay-insurance-pds-product-disclosure-statement-30-9-2021.pdf?la=en&hash=6D0BF748BADC927AF3EC31F244328A95", "date": "2021-08-30" }, { "title": "Key Facts Sheet - Landlord", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/HomeInsurance/raa-landlord-insurance-key-factsheet-2021-2.pdf?la=en&hash=2C8818CBB4204930F9373C8BE38B37CD", "date": null }, { "title": "Target Market Determination (effective 1 July 2025)", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/Landlord/tmd-landlord/raa-landlord-and-short-stay-insurance-target-market-determination-30-9-2021.pdf?la=en&hash=363CA1032464B3D50F5D667B1D795E0A", "date": "2025-07-01" } ], "quotes": { "product": { "text": "Cover for your rental property with insurance built for South Australians", "url": "https://www.raa.com.au/insurance/Landlord-and-Short-Stay-Insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for your rental property with insurance built for South Australians", "url": "https://www.raa.com.au/insurance/Landlord-and-Short-Stay-Insurance#:~:text=Cover%20for%20your%20rental%20property,insurance%20built%20for%20South%20Australians", "document_sha256": "3571d0a8b586591aa5654d063a27fbda293eb52fe09f419018faff101a036b76", "confirmed": "2026-11-13" } }, "channel": { "text": "Get a quote online", "url": "https://www.raa.com.au/insurance/Landlord-and-Short-Stay-Insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Get a quote online", "url": "https://www.raa.com.au/insurance/Landlord-and-Short-Stay-Insurance#:~:text=Get%20a%20quote%20online", "document_sha256": "3571d0a8b586591aa5654d063a27fbda293eb52fe09f419018faff101a036b76", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "your Building has been damaged as a result of an Insured Event; and • the Cost of replacing, repairing or rebuilding your Building exceeds your Sum Insured, we will provide additional Cover to replace, repair or rebuild your Building.", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/Landlord/raa-landlord-and-short-stay-insurance-pds-product-disclosure-statement-30-9-2021.pdf?la=en&hash=6D0BF748BADC927AF3EC31F244328A95", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "your Building has been damaged as a result of an Insured Event; and • the Cost of replacing, repairing or rebuilding your Building exceeds your Sum Insured, we will provide additional Cover to replace, repair or rebuild your Building.", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/Landlord/raa-landlord-and-short-stay-insurance-pds-product-disclosure-statement-30-9-2021.pdf?la=en&hash=6D0BF748BADC927AF3EC31F244328A95#page=62", "page": 62, "document_sha256": "ce9a6010cc7eb6e41b6b9c280dd4fdb37de7d380753d53c7185d5af7e7ee91eb", "confirmed": "2026-11-13" } }, "buffer_percent": { "text": "in which case we will Cover you for these benefits in addition to the Sum Insured for the relevant Insured Property. 10% of Sum Insured for Building for any one Insured Event.", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/Landlord/raa-landlord-and-short-stay-insurance-pds-product-disclosure-statement-30-9-2021.pdf?la=en&hash=6D0BF748BADC927AF3EC31F244328A95", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "in which case we will Cover you for these benefits in addition to the Sum Insured for the relevant Insured Property. 10% of Sum Insured for Building for any one Insured Event.", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/Landlord/raa-landlord-and-short-stay-insurance-pds-product-disclosure-statement-30-9-2021.pdf?la=en&hash=6D0BF748BADC927AF3EC31F244328A95#page=62", "page": 62, "document_sha256": "ce9a6010cc7eb6e41b6b9c280dd4fdb37de7d380753d53c7185d5af7e7ee91eb", "confirmed": "2026-11-13" } }, "flood": { "text": "Cover for loss or damage to Insured Property as a result of Flood.", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/Landlord/raa-landlord-and-short-stay-insurance-pds-product-disclosure-statement-30-9-2021.pdf?la=en&hash=6D0BF748BADC927AF3EC31F244328A95", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for loss or damage to Insured Property as a result of Flood.", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/Landlord/raa-landlord-and-short-stay-insurance-pds-product-disclosure-statement-30-9-2021.pdf?la=en&hash=6D0BF748BADC927AF3EC31F244328A95#page=58", "page": 58, "document_sha256": "ce9a6010cc7eb6e41b6b9c280dd4fdb37de7d380753d53c7185d5af7e7ee91eb", "confirmed": "2026-11-13" } }, "eligibility": { "text": "The Target Market for Landlord and Short Stay Building Insurance is persons who: • owns a rental property or short stay (holiday) rental located in South Australia;", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/Landlord/tmd-landlord/raa-landlord-and-short-stay-insurance-target-market-determination-30-9-2021.pdf?la=en&hash=363CA1032464B3D50F5D667B1D795E0A", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Target Market for Landlord and Short Stay Building Insurance is persons who: • owns a rental property or short stay (holiday) rental located in South Australia;", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/Landlord/tmd-landlord/raa-landlord-and-short-stay-insurance-target-market-determination-30-9-2021.pdf?la=en&hash=363CA1032464B3D50F5D667B1D795E0A#page=3", "page": 3, "document_sha256": "ff157a5db6474be77914b85203b216f15a5d1937b689ee3f361aa6c1ade886db", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "We will not Cover you for loss, damage or liability caused by or arising from Theft or Malicious Damage if the Rental Property has been Unoccupied for more than 90 consecutive days and remains Unoccupied at the time of the Theft or the Malicious Damage.", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/Landlord/raa-landlord-and-short-stay-insurance-pds-product-disclosure-statement-30-9-2021.pdf?la=en&hash=6D0BF748BADC927AF3EC31F244328A95", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We will not Cover you for loss, damage or liability caused by or arising from Theft or Malicious Damage if the Rental Property has been Unoccupied for more than 90 consecutive days and remains Unoccupied at the time of the Theft or the Malicious Damage.", "url": "https://www.raa.com.au/-/media/Project/RAA/Web/Files/Home/Landlord/raa-landlord-and-short-stay-insurance-pds-product-disclosure-statement-30-9-2021.pdf?la=en&hash=6D0BF748BADC927AF3EC31F244328A95#page=70", "page": 70, "document_sha256": "ce9a6010cc7eb6e41b6b9c280dd4fdb37de7d380753d53c7185d5af7e7ee91eb", "confirmed": "2026-11-13" } } }, "conditions": [ "Accidental loss or damage caused by a Tenant or Guest of a Tenant is an additional benefit; the PDS lists no separate optional Accidental Damage cover for the building, so the field is null.", "The PDS is dated 30 August 2021 with a 1 July 2025 SPDS changing the insurer name to Allianz South Australia Insurance Limited." ], "unoccupied": { "days": 90, "effect": "reduced_cover", "excess": null, "excluded_events": "theft, malicious damage", "still_covered": null, "must_tell": true, "conditions": "Cover returns once the rental property is occupied again. Unoccupied means no one eating, sleeping and living there, or no electricity connected.", "then": null, "label": "Some events not covered after 90 days" }, "id": "landlord-and-short-stay-insurance-building-cover", "type_label": "Landlord", "issuers": [ { "name": "Allianz South Australia Insurance Limited", "abn": "14007872602", "afsl": "232525", "lloyds": false, "slug": "allianz-south-australia-insurance", "apra": { "status": "authorised", "name": "Allianz South Australia Insurance Limited (formerly RAA 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": "232525", "name": "ALLIANZ SOUTH AUSTRALIA INSURANCE LIMITED", "abn": "14007872602", "acn": null, "licensed_since": "2003-11-17", "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": "Allianz South Australia Insurance Limited ABN 14 007 872 602 AFSL 232525 (Allianz SA) is the insurer of this policy.", "url": "https://cdn-raa.dataweavers.io/-/media/Project/RAA/Web/Files/Home/HomeInsurance/tmd-home/raa-home-and-contents-insurance-target-market-determination-30-9-2021.pdf?rev=09914360f2a448eeaa54def867237e49", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Allianz South Australia Insurance Limited ABN 14 007 872 602 AFSL 232525 (Allianz SA) is the insurer of this policy.", "url": "https://cdn-raa.dataweavers.io/-/media/Project/RAA/Web/Files/Home/HomeInsurance/tmd-home/raa-home-and-contents-insurance-target-market-determination-30-9-2021.pdf?rev=09914360f2a448eeaa54def867237e49#page=2", "page": 2, "document_sha256": "41ec1bcba4f99102d1da308866d71312790397987a87dfb4c6a7835d77f399b0", "confirmed": "2026-11-13" } }, "distributor": { "text": "Royal Automobile Association of South Australia Limited ABN 90 020 001 807 (RAA) has been authorised under a binder by Allianz SA to issue this policy on behalf of Allianz SA.", "url": "https://cdn-raa.dataweavers.io/-/media/Project/RAA/Web/Files/Home/HomeInsurance/tmd-home/raa-home-and-contents-insurance-target-market-determination-30-9-2021.pdf?rev=09914360f2a448eeaa54def867237e49", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Royal Automobile Association of South Australia Limited ABN 90 020 001 807 (RAA) has been authorised under a binder by Allianz SA to issue this policy on behalf of Allianz SA.", "url": "https://cdn-raa.dataweavers.io/-/media/Project/RAA/Web/Files/Home/HomeInsurance/tmd-home/raa-home-and-contents-insurance-target-market-determination-30-9-2021.pdf?rev=09914360f2a448eeaa54def867237e49#page=2", "page": 2, "document_sha256": "41ec1bcba4f99102d1da308866d71312790397987a87dfb4c6a7835d77f399b0", "confirmed": "2026-11-13" } } }, "curation_notes": "Underwriter changed from RAA Insurance Limited (PDS of 2021) to Allianz South Australia Insurance Limited (same ABN 14 007 872 602, AFSL 232525) by a Supplementary PDS effective 1 July 2025; the base PDS PDFs on the website are still the 2021 versions. The RAA PDS list page still links the 2017 and 2021 documents. No high-value-home product found.", "segments": [ "residential" ], "issuers": [ { "name": "Allianz South Australia Insurance Limited", "abn": "14007872602", "afsl": "232525", "lloyds": false, "slug": "allianz-south-australia-insurance", "apra": { "status": "authorised", "name": "Allianz South Australia Insurance Limited (formerly RAA 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": "232525", "name": "ALLIANZ SOUTH AUSTRALIA INSURANCE LIMITED", "abn": "14007872602", "acn": null, "licensed_since": "2003-11-17", "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": null, "page": "https://deepalmanac.com/au/insurance/building/raa/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/raa.json" }, { "slug": "rac-wa", "name": "RAC WA", "website": "https://rac.com.au/", "kind": "insurer", "underwriter": "RAC Insurance Pty Limited", "underwriter_abn": "59094685882", "underwriter_afsl": "231222", "lloyds": false, "distributor": { "name": "RAC Distribution Pty Ltd", "abn": "71092581470", "afsl": null, "authorised_representative_no": "238025" }, "products": [ { "name": "RAC Building Insurance", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": "People wanting cover for a home building located in Western Australia (TMD).", "states": [ "WA" ], "documents": [ { "title": "Combined PDS and Financial Services Guide - Building, Contents and Personal Valuables (policies from 25 February 2021)", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231", "date": "2021-02-25" }, { "title": "Supplementary PDS (prepared 14 July 2021)", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/products/insurance/18057-insurance_spds_building_ebook.pdf?modified=20210820045156", "date": "2021-07-14" }, { "title": "Key Facts Sheet - RAC Building Insurance (prepared 12 January 2021)", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/kfs/combined-kfs-12102021_r2.pdf?modified=20231025060254", "date": "2021-01-12" }, { "title": "Target Market Determination - RAC Building Insurance", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743", "date": null } ], "quotes": { "product": { "text": "RAC Building Insurance has been designed to meet the needs of those who wish to protect against a financial loss that may result from a specified event damaging their home building located in Western Australia.", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "RAC Building Insurance has been designed to meet the needs of those who wish to protect against a financial loss that may result from a specified event damaging their home building located in Western Australia.", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743#page=1", "page": 1, "document_sha256": "76d5260664ad20739e942081b751fe1eeaeea243bb68028f185679095f141ddc", "confirmed": "2026-11-13" } }, "channel": { "text": "RAC Building Insurance can only be purchased from our Call Centre, Member Service Centre or via the website: rac.com.au.", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "RAC Building Insurance can only be purchased from our Call Centre, Member Service Centre or via the website: rac.com.au.", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743#page=2", "page": 2, "document_sha256": "76d5260664ad20739e942081b751fe1eeaeea243bb68028f185679095f141ddc", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this Building policy you set the maximum level of cover and your payment is limited to that amount (Sum insured).", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/kfs/combined-kfs-12102021_r2.pdf?modified=20231025060254", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Under this Building policy you set the maximum level of cover and your payment is limited to that amount (Sum insured).", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/kfs/combined-kfs-12102021_r2.pdf?modified=20231025060254#page=1", "page": 1, "document_sha256": "c8cfa7c733e502f187bed98aa333702796c23d1091fce47187749a78ec650e89", "confirmed": "2026-11-13" } }, "flood": { "text": "Storms, including hail, lightning and flood.", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Storms, including hail, lightning and flood.", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743#page=1", "page": 1, "document_sha256": "76d5260664ad20739e942081b751fe1eeaeea243bb68028f185679095f141ddc", "confirmed": "2026-11-13" } }, "eligibility": { "text": "RAC Building Insurance has been designed to meet the needs of those who wish to protect against a financial loss that may result from a specified event damaging their home building located in Western Australia.", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "RAC Building Insurance has been designed to meet the needs of those who wish to protect against a financial loss that may result from a specified event damaging their home building located in Western Australia.", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743#page=1", "page": 1, "document_sha256": "76d5260664ad20739e942081b751fe1eeaeea243bb68028f185679095f141ddc", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "We may reduce the cover we provide, or not provide any cover at all when: » You do not provide reasonable protection for your building and/or contents; » You leave your building unoccupied for 60 consecutive days or more", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We may reduce the cover we provide, or not provide any cover at all when: » You do not provide reasonable protection for your building and/or contents; » You leave your building unoccupied for 60 consecutive days or more", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231#page=28", "page": 28, "document_sha256": "2389186b9ffad10b3bbe118f8cfcdc972f53972131b4d9f4fe016edd7b4a8280", "confirmed": "2026-11-13" } } }, "conditions": [ "No cover for flood, storm or bushfire for the first 48 hours after purchase unless the home was continuously insured before.", "Only accidental glass breakage is included for the building; the PDS offers accidental damage for contents only, so the building field is null.", "The PDS is dated 25 February 2021 and the website notes later SPDS documents." ], "unoccupied": { "days": 60, "effect": "may_refuse", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unless you told RAC in advance and agreed a plan (mail stopped, garden kept, weekly inspection); only where the vacancy caused the loss.", "then": null, "label": "Cover may be refused after 60 days" }, "id": "rac-building-insurance", "type_label": "Home building", "issuers": [ { "name": "RAC Insurance Pty Limited", "abn": "59094685882", "afsl": "231222", "lloyds": false, "slug": "rac-insurance", "apra": { "status": "authorised", "name": "RAC Insurance Proprietary 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": "231222", "name": "RAC INSURANCE PTY LIMITED", "abn": "59094685882", "acn": null, "licensed_since": "2003-11-01", "locality": "West Perth WA 6005", "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": "RAC Landlord's Insurance (building)", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": "Owners of residential buildings that have tenants living in them (RAC landlord page).", "states": [ "WA" ], "documents": [ { "title": "Combined PDS and Financial Services Guide - Building, Contents and Personal Valuables (policies from 25 February 2021)", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231", "date": "2021-02-25" }, { "title": "Supplementary PDS (prepared 14 July 2021)", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/products/insurance/18057-insurance_spds_building_ebook.pdf?modified=20210820045156", "date": "2021-07-14" }, { "title": "Key Facts Sheet - RAC Building Insurance (prepared 12 January 2021)", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/kfs/combined-kfs-12102021_r2.pdf?modified=20231025060254", "date": "2021-01-12" }, { "title": "Target Market Determination - RAC Building Insurance", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743", "date": null } ], "quotes": { "product": { "text": "Our landlord’s building insurance will cover your building and other structures at your site used for domestic purposes against events such as fire, flood, storm, theft, malicious damage up to the sum insured.", "url": "https://rac.com.au/home-life/home-insurance/landlords-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Our landlord’s building insurance will cover your building and other structures at your site used for domestic purposes against events such as fire, flood, storm, theft, malicious damage up to the sum insured.", "url": "https://rac.com.au/home-life/home-insurance/landlords-insurance#:~:text=Our%20landlord%E2%80%99s%20building%20insurance%20will,up%20to%20the%20sum%20insured.", "document_sha256": "d801d11817fdd45926e1430338ff0eeded22c41fddc94a694c06581ae08a49e9", "confirmed": "2026-11-13" } }, "channel": { "text": "RAC Building Insurance can only be purchased from our Call Centre, Member Service Centre or via the website: rac.com.au.", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "RAC Building Insurance can only be purchased from our Call Centre, Member Service Centre or via the website: rac.com.au.", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743#page=2", "page": 2, "document_sha256": "76d5260664ad20739e942081b751fe1eeaeea243bb68028f185679095f141ddc", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Our landlord’s building insurance will cover your building and other structures at your site used for domestic purposes against events such as fire, flood, storm, theft, malicious damage up to the sum insured.", "url": "https://rac.com.au/home-life/home-insurance/landlords-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Our landlord’s building insurance will cover your building and other structures at your site used for domestic purposes against events such as fire, flood, storm, theft, malicious damage up to the sum insured.", "url": "https://rac.com.au/home-life/home-insurance/landlords-insurance#:~:text=Our%20landlord%E2%80%99s%20building%20insurance%20will,up%20to%20the%20sum%20insured.", "document_sha256": "d801d11817fdd45926e1430338ff0eeded22c41fddc94a694c06581ae08a49e9", "confirmed": "2026-11-13" } }, "flood": { "text": "Our landlord’s building insurance will cover your building and other structures at your site used for domestic purposes against events such as fire, flood, storm, theft, malicious damage up to the sum insured.", "url": "https://rac.com.au/home-life/home-insurance/landlords-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Our landlord’s building insurance will cover your building and other structures at your site used for domestic purposes against events such as fire, flood, storm, theft, malicious damage up to the sum insured.", "url": "https://rac.com.au/home-life/home-insurance/landlords-insurance#:~:text=Our%20landlord%E2%80%99s%20building%20insurance%20will,up%20to%20the%20sum%20insured.", "document_sha256": "d801d11817fdd45926e1430338ff0eeded22c41fddc94a694c06581ae08a49e9", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Landlord’s insurance can cover residential buildings that you, as the owner, have tenants living in.", "url": "https://rac.com.au/home-life/home-insurance/landlords-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Landlord’s insurance can cover residential buildings that you, as the owner, have tenants living in.", "url": "https://rac.com.au/home-life/home-insurance/landlords-insurance#:~:text=Landlord%E2%80%99s%20insurance%20can%20cover%20residential,owner%2C%20have%20tenants%20living%20in.", "document_sha256": "d801d11817fdd45926e1430338ff0eeded22c41fddc94a694c06581ae08a49e9", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "We may reduce the cover we provide, or not provide any cover at all when: » You do not provide reasonable protection for your building and/or contents; » You leave your building unoccupied for 60 consecutive days or more", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We may reduce the cover we provide, or not provide any cover at all when: » You do not provide reasonable protection for your building and/or contents; » You leave your building unoccupied for 60 consecutive days or more", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231#page=28", "page": 28, "document_sha256": "2389186b9ffad10b3bbe118f8cfcdc972f53972131b4d9f4fe016edd7b4a8280", "confirmed": "2026-11-13" } } }, "conditions": [ "Landlord cover is offered through the same Building, Contents and Personal Valuables PDS; the building TMD says the product is not suitable where it is 'Rented out as an investment property and cover is required for rent default and malicious damage by the tenants'." ], "unoccupied": { "days": 60, "effect": "may_refuse", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unless you told RAC in advance and agreed a plan (mail stopped, garden kept, weekly inspection); only where the vacancy caused the loss. Gaps between tenants count.", "then": null, "label": "Cover may be refused after 60 days" }, "id": "rac-landlord-s-insurance-building", "type_label": "Landlord", "issuers": [ { "name": "RAC Insurance Pty Limited", "abn": "59094685882", "afsl": "231222", "lloyds": false, "slug": "rac-insurance", "apra": { "status": "authorised", "name": "RAC Insurance Proprietary 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": "231222", "name": "RAC INSURANCE PTY LIMITED", "abn": "59094685882", "acn": null, "licensed_since": "2003-11-01", "locality": "West Perth WA 6005", "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": "Underwritten by RAC Insurance Pty Limited ABN 59 094 685 882, AFSL Number 231222.", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/kfs/combined-kfs-12102021_r2.pdf?modified=20231025060254", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Underwritten by RAC Insurance Pty Limited ABN 59 094 685 882, AFSL Number 231222.", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/kfs/combined-kfs-12102021_r2.pdf?modified=20231025060254#page=2", "page": 2, "document_sha256": "c8cfa7c733e502f187bed98aa333702796c23d1091fce47187749a78ec650e89", "confirmed": "2026-11-13" } }, "distributor": { "text": "RAC Distribution Pty Ltd (ABN 71 092 581 470) (RAC Distribution) is our authorised representative. Its Authorised Representative number is 238025.", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "RAC Distribution Pty Ltd (ABN 71 092 581 470) (RAC Distribution) is our authorised representative. Its Authorised Representative number is 238025.", "url": "https://sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231#page=3", "page": 3, "document_sha256": "2389186b9ffad10b3bbe118f8cfcdc972f53972131b4d9f4fe016edd7b4a8280", "confirmed": "2026-11-13" } } }, "curation_notes": "The RAC PDS and KFS on the website are dated 2021; the PED Guide is dated 2026 and a later SPDS (November 2023) appears on the documents page but was not read. No separate landlord TMD found; landlord cover is sold under the building policy. No high-value-home product found.", "segments": [ "residential" ], "issuers": [ { "name": "RAC Insurance Pty Limited", "abn": "59094685882", "afsl": "231222", "lloyds": false, "slug": "rac-insurance", "apra": { "status": "authorised", "name": "RAC Insurance Proprietary 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": "231222", "name": "RAC INSURANCE PTY LIMITED", "abn": "59094685882", "acn": null, "licensed_since": "2003-11-01", "locality": "West Perth WA 6005", "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/rac-wa/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/rac-wa.json" }, { "slug": "racq", "name": "RACQ", "website": "https://www.racq.com.au/", "kind": "insurer", "underwriter": "RACQ Insurance Limited", "underwriter_abn": "50009704152", "underwriter_afsl": "233082", "lloyds": false, "distributor": { "name": "RACQ Distribution Services Pty Limited", "abn": null, "afsl": "567130", "authorised_representative_no": null }, "products": [ { "name": "RACQ Home Insurance (home building cover)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": "People who own and reside in the insured home, or are landlords of a residential building (TMD).", "states": null, "documents": [ { "title": "Household Insurance Product Disclosure Statement (effective 9 December 2024)", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1", "date": "2024-12-09" }, { "title": "Supplementary Product Disclosure Statement (29 July 2025)", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/spds/household-insurance/spds-racq-household-28072025-rhhb9-0825.pdf?rev=193c1d6592ec4b738b5e4edc2c2ba154&hash=2D50453B96E7B35806808FDFD1252E0C", "date": "2025-07-29" }, { "title": "Key Facts Sheet - Household building insurance (effective 1 September 2025)", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B", "date": "2025-09-01" }, { "title": "Target Market Determination - Household Insurance (effective 1 September 2025)", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779", "date": "2025-09-01" } ], "quotes": { "product": { "text": "The RACQ Home Insurance product has been designed for people who want to be covered against financial loss caused by an incident involving their home", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The RACQ Home Insurance product has been designed for people who want to be covered against financial loss caused by an incident involving their home", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779#page=3", "page": 3, "document_sha256": "322bd1208df29f77574c34732cca5acb01a09179bd8c7d63f612bdcfafbe11f0", "confirmed": "2026-11-13" } }, "channel": { "text": "contact centres by calling 13 1905, • website by visiting racq.com (where available), and • stores (including agencies).", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "contact centres by calling 13 1905, • website by visiting racq.com (where available), and • stores (including agencies).", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779#page=1", "page": 1, "document_sha256": "322bd1208df29f77574c34732cca5acb01a09179bd8c7d63f612bdcfafbe11f0", "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://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B", "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://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B#page=1", "page": 1, "document_sha256": "866d21a78e1eaf016f5c0e5c5ba2b9ed439f798404227c82647220dc279271db", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood Yes You’re not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood Yes You’re not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B#page=1", "page": 1, "document_sha256": "866d21a78e1eaf016f5c0e5c5ba2b9ed439f798404227c82647220dc279271db", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Optional – We cover accidental damage to some items under the optional benefit of “Advanced cover”.", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Optional – We cover accidental damage to some items under the optional benefit of “Advanced cover”.", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B#page=1", "page": 1, "document_sha256": "866d21a78e1eaf016f5c0e5c5ba2b9ed439f798404227c82647220dc279271db", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Own and reside in the insured home or,", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Own and reside in the insured home or,", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779#page=3", "page": 3, "document_sha256": "322bd1208df29f77574c34732cca5acb01a09179bd8c7d63f612bdcfafbe11f0", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "you haven’t told us that your home will be unoccupied for more than 60 days, cover for any loss or damage to your home or your contents will only apply where the loss or damage is caused by one or more of the insured events", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "you haven’t told us that your home will be unoccupied for more than 60 days, cover for any loss or damage to your home or your contents will only apply where the loss or damage is caused by one or more of the insured events", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1#page=30", "page": 30, "document_sha256": "c723b9fef669bf51aee79b1823ff6b09aa32bcd3dabf91fa638120ed663caf40", "confirmed": "2026-11-13" } } }, "conditions": [ "Accidental glass breakage is included; wider accidental damage is the optional benefit 'Advanced cover'.", "Cover is for a sum insured chosen by the customer; the KFS states the payout is limited to that amount." ], "unoccupied": { "days": 60, "effect": "reduced_cover", "excess": null, "excluded_events": null, "still_covered": "animal damage, earthquake, flood, impact, lightning, riots, storm, tsunami", "must_tell": true, "conditions": "Unless you told RACQ beforehand (it may then set security conditions). Also counts as unoccupied if someone stays less than one night a week on average.", "then": null, "label": "Some events not covered after 60 days" }, "id": "home-insurance-home-building-cover", "type_label": "Home building", "issuers": [ { "name": "RACQ Insurance Limited", "abn": "50009704152", "afsl": "233082", "lloyds": false, "slug": "racq-insurance", "apra": { "status": "authorised", "name": "RACQ 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": "233082", "name": "RACQ INSURANCE LIMITED", "abn": "50009704152", "acn": null, "licensed_since": "2003-12-01", "locality": "Eight Mile Plains QLD 4113", "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": "RACQ Home Insurance (landlord / tenanted home)", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "excluded", "levels": [], "eligibility": "Landlords of a residential building (TMD); TMD says the product is not suitable for landlords needing full landlord protection for a tenanted property.", "states": null, "documents": [ { "title": "Household Insurance Product Disclosure Statement (effective 9 December 2024)", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1", "date": "2024-12-09" }, { "title": "Supplementary Product Disclosure Statement (29 July 2025)", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/spds/household-insurance/spds-racq-household-28072025-rhhb9-0825.pdf?rev=193c1d6592ec4b738b5e4edc2c2ba154&hash=2D50453B96E7B35806808FDFD1252E0C", "date": "2025-07-29" }, { "title": "Key Facts Sheet - Household building insurance (effective 1 September 2025)", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B", "date": "2025-09-01" }, { "title": "Target Market Determination - Household Insurance (effective 1 September 2025)", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779", "date": "2025-09-01" } ], "quotes": { "product": { "text": "If you are a landlord and ‘Tenanted’ is shown on your COI, your home also includes your:", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If you are a landlord and ‘Tenanted’ is shown on your COI, your home also includes your:", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1#page=22", "page": 22, "document_sha256": "c723b9fef669bf51aee79b1823ff6b09aa32bcd3dabf91fa638120ed663caf40", "confirmed": "2026-11-13" } }, "channel": { "text": "contact centres by calling 13 1905, • website by visiting racq.com (where available), and • stores (including agencies).", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "contact centres by calling 13 1905, • website by visiting racq.com (where available), and • stores (including agencies).", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779#page=1", "page": 1, "document_sha256": "322bd1208df29f77574c34732cca5acb01a09179bd8c7d63f612bdcfafbe11f0", "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://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B", "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://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B#page=1", "page": 1, "document_sha256": "866d21a78e1eaf016f5c0e5c5ba2b9ed439f798404227c82647220dc279271db", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood Yes You’re not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood Yes You’re not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B#page=1", "page": 1, "document_sha256": "866d21a78e1eaf016f5c0e5c5ba2b9ed439f798404227c82647220dc279271db", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "You’re not covered for accidental damage if you rent out your home.", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "You’re not covered for accidental damage if you rent out your home.", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B#page=1", "page": 1, "document_sha256": "866d21a78e1eaf016f5c0e5c5ba2b9ed439f798404227c82647220dc279271db", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Landlords that require full landlord protection for their tenanted property.", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Landlords that require full landlord protection for their tenanted property.", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/tmd/household-insurance/tmd-household-01092025.pdf?rev=860b131508304d3f864fb17a19820cd6&hash=4055826FE09FB42043D69427D0E64779#page=3", "page": 3, "document_sha256": "322bd1208df29f77574c34732cca5acb01a09179bd8c7d63f612bdcfafbe11f0", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "you haven’t told us that your home will be unoccupied for more than 60 days, cover for any loss or damage to your home or your contents will only apply where the loss or damage is caused by one or more of the insured events", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "you haven’t told us that your home will be unoccupied for more than 60 days, cover for any loss or damage to your home or your contents will only apply where the loss or damage is caused by one or more of the insured events", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1#page=30", "page": 30, "document_sha256": "c723b9fef669bf51aee79b1823ff6b09aa32bcd3dabf91fa638120ed663caf40", "confirmed": "2026-11-13" } } }, "conditions": [ "RACQ has no separate landlord product: landlords use the same Household Insurance with 'Tenanted' shown on the certificate of insurance.", "Accidental damage, malicious damage or theft by a tenant is an included benefit, but the optional accidental damage cover is not available if you rent out your home." ], "unoccupied": { "days": 60, "effect": "reduced_cover", "excess": null, "excluded_events": null, "still_covered": "animal damage, earthquake, flood, impact, lightning, riots, storm, tsunami", "must_tell": true, "conditions": "Unless you told RACQ beforehand (it may then set security conditions). Also counts as unoccupied if someone stays less than one night a week on average.", "then": null, "label": "Some events not covered after 60 days" }, "id": "home-insurance-landlord-tenanted-home", "type_label": "Landlord", "issuers": [ { "name": "RACQ Insurance Limited", "abn": "50009704152", "afsl": "233082", "lloyds": false, "slug": "racq-insurance", "apra": { "status": "authorised", "name": "RACQ 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": "233082", "name": "RACQ INSURANCE LIMITED", "abn": "50009704152", "acn": null, "licensed_since": "2003-12-01", "locality": "Eight Mile Plains QLD 4113", "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": "RACQ Insurance Limited issues your insurance policy and is responsible for the obligations set out in this PDS and any Supplementary Product Disclosure Statement.", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "RACQ Insurance Limited issues your insurance policy and is responsible for the obligations set out in this PDS and any Supplementary Product Disclosure Statement.", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/pds/household-insurance/pds-racq-household-insurance-091224-hh2-1224.pdf?rev=cabbbeaace5a47fbb1594d564d010ce4&hash=E43213886CA8CC5E227C8CAFD8C591F1#page=3", "page": 3, "document_sha256": "c723b9fef669bf51aee79b1823ff6b09aa32bcd3dabf91fa638120ed663caf40", "confirmed": "2026-11-13" } }, "distributor": { "text": "Provided/Distributed by RACQ Distribution Services Pty Limited, AFS Licence Number 567130, and its authorised representatives.", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Provided/Distributed by RACQ Distribution Services Pty Limited, AFS Licence Number 567130, and its authorised representatives.", "url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/insurance/keyfactsheet/household-insurance/household_kfsbld_01092025.pdf?rev=e9a5e33d184445d4b6b658112cd0e54e&hash=FCC26F0FD6AD384C5A6E0615B62E0B3B#page=2", "page": 2, "document_sha256": "866d21a78e1eaf016f5c0e5c5ba2b9ed439f798404227c82647220dc279271db", "confirmed": "2026-11-13" } } }, "curation_notes": "The file named aig-racq-household-insurance-...pdf on RACQ's site is an 'Additional Information Guide' (AIG), not the insurer AIG. Underwriter is RACQ Insurance Limited. One Household Insurance PDS covers home, contents and landlord use; the TMD lists only Home Insurance and Contents Insurance. No separate high-value-home product found. Cover basis taken from the KFS; the PDS safety-net wording was not found.", "segments": [ "residential" ], "issuers": [ { "name": "RACQ Insurance Limited", "abn": "50009704152", "afsl": "233082", "lloyds": false, "slug": "racq-insurance", "apra": { "status": "authorised", "name": "RACQ 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": "233082", "name": "RACQ INSURANCE LIMITED", "abn": "50009704152", "acn": null, "licensed_since": "2003-12-01", "locality": "Eight Mile Plains QLD 4113", "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": "567130", "name": "RACQ DISTRIBUTION SERVICES PTY LTD", "abn": "35116361650", "acn": null, "licensed_since": "2025-06-06", "locality": "Eight Mile Plains QLD 4113", "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/racq/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/racq.json" }, { "slug": "ract", "name": "RACT", "website": "https://www.ract.com.au/", "kind": "insurer", "underwriter": "RACT Insurance Pty Ltd", "underwriter_abn": "96068167804", "underwriter_afsl": "229076", "lloyds": false, "distributor": null, "products": [ { "name": "RACT Home, Contents and Portable Items Insurance (Home Building cover)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured_buffer", "buffer_percent": 25, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": "Customers wanting cover for a home building in Tasmania (TMD).", "states": [ "TAS" ], "documents": [ { "title": "Home Insurance PDS (1 September 2021)", "url": "https://www.datocms-assets.com/49357/1626741248-racticdd002-home-insurance-pds-web-september-2021.pdf", "date": "2021-09-01" }, { "title": "Supplementary PDS - Home Insurance (effective 9 November 2023)", "url": "https://www.datocms-assets.com/49357/1695960905-ract9574-spds-home-insurance-web-op.pdf", "date": "2023-11-09" }, { "title": "Key Facts Sheet - Home Building (3 October 2023)", "url": "https://www.datocms-assets.com/49357/1696328120-home-and-contents-insurance-key-fact-sheet-3-october-2023.pdf", "date": "2023-10-03" }, { "title": "Target Market Determination - Home (effective 5 March 2026)", "url": "https://www.datocms-assets.com/49357/1772606459-home-tmd-5-march-2026.pdf", "date": "2026-03-05" } ], "quotes": { "product": { "text": "This Product provides cover for loss or damage to home buildings, contents and/or portable items, which customers can choose from to meet their individual needs.", "url": "https://www.datocms-assets.com/49357/1772606459-home-tmd-5-march-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product provides cover for loss or damage to home buildings, contents and/or portable items, which customers can choose from to meet their individual needs.", "url": "https://www.datocms-assets.com/49357/1772606459-home-tmd-5-march-2026.pdf#page=1", "page": 1, "document_sha256": "7ee48ad4c8228dd2191e8d14fc548e729c635d2235b6c56d4c56266241ad876e", "confirmed": "2026-11-13" } }, "channel": { "text": "Distribution of the Product is only conducted through: o Royal Automobile Club of Tasmania (RACT) call centres o RACT’s website o RACT’s store network", "url": "https://www.datocms-assets.com/49357/1772606459-home-tmd-5-march-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Distribution of the Product is only conducted through: o Royal Automobile Club of Tasmania (RACT) call centres o RACT’s website o RACT’s store network", "url": "https://www.datocms-assets.com/49357/1772606459-home-tmd-5-march-2026.pdf#page=4", "page": 4, "document_sha256": "7ee48ad4c8228dd2191e8d14fc548e729c635d2235b6c56d4c56266241ad876e", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and the insurer may provide you with some agreed extra cover above that amount (Sum insured plus safety net).", "url": "https://www.datocms-assets.com/49357/1696328120-home-and-contents-insurance-key-fact-sheet-3-october-2023.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 the insurer may provide you with some agreed extra cover above that amount (Sum insured plus safety net).", "url": "https://www.datocms-assets.com/49357/1696328120-home-and-contents-insurance-key-fact-sheet-3-october-2023.pdf#page=1", "page": 1, "document_sha256": "4dd9c5b799478645035a6a4daeb2ca98b9a25b12f6d9c59917c25f37e7cb3832", "confirmed": "2026-11-13" } }, "buffer_percent": { "text": "An additional amount above your sum insured to: • repair damage; or • rebuild your home; when the cost of repairing or rebuilding your home following an insured event exceeds the sum insured. Limit: Up to 25% of the sum insured.", "url": "https://www.datocms-assets.com/49357/1626741248-racticdd002-home-insurance-pds-web-september-2021.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "An additional amount above your sum insured to: • repair damage; or • rebuild your home; when the cost of repairing or rebuilding your home following an insured event exceeds the sum insured. Limit: Up to 25% of the sum insured.", "url": "https://www.datocms-assets.com/49357/1626741248-racticdd002-home-insurance-pds-web-september-2021.pdf#page=36", "page": 36, "document_sha256": "0df908eb487db447767761996bba247b13fd9fc22b47c82035cce6050d386336", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood Yes Flood damage to loose or compacted materials, such as gravel, pebbles, rocks, bricks, sand or earth on roads, driveways or paths is not covered.", "url": "https://www.datocms-assets.com/49357/1696328120-home-and-contents-insurance-key-fact-sheet-3-october-2023.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood Yes Flood damage to loose or compacted materials, such as gravel, pebbles, rocks, bricks, sand or earth on roads, driveways or paths is not covered.", "url": "https://www.datocms-assets.com/49357/1696328120-home-and-contents-insurance-key-fact-sheet-3-october-2023.pdf#page=1", "page": 1, "document_sha256": "4dd9c5b799478645035a6a4daeb2ca98b9a25b12f6d9c59917c25f37e7cb3832", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Optional cover – Accidental Damage This cover is suitable for: • Customers who need cover for loss or damage to their home or contents that is caused accidentally and unintentionally.", "url": "https://www.datocms-assets.com/49357/1772606459-home-tmd-5-march-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Optional cover – Accidental Damage This cover is suitable for: • Customers who need cover for loss or damage to their home or contents that is caused accidentally and unintentionally.", "url": "https://www.datocms-assets.com/49357/1772606459-home-tmd-5-march-2026.pdf#page=3", "page": 3, "document_sha256": "7ee48ad4c8228dd2191e8d14fc548e729c635d2235b6c56d4c56266241ad876e", "confirmed": "2026-11-13" } }, "eligibility": { "text": "The Product's Home Building and Contents covers provide cover against loss or damage to a customer's home building in Tasmania", "url": "https://www.datocms-assets.com/49357/1772606459-home-tmd-5-march-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Product's Home Building and Contents covers provide cover against loss or damage to a customer's home building in Tasmania", "url": "https://www.datocms-assets.com/49357/1772606459-home-tmd-5-march-2026.pdf#page=1", "page": 1, "document_sha256": "7ee48ad4c8228dd2191e8d14fc548e729c635d2235b6c56d4c56266241ad876e", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "If your home becomes unoccupied for more than 60 consecutive days, there is no cover for some insured events unless you have told us and we have agreed to cover this, and it is shown on your current schedule.", "url": "https://www.datocms-assets.com/49357/1626741248-racticdd002-home-insurance-pds-web-september-2021.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If your home becomes unoccupied for more than 60 consecutive days, there is no cover for some insured events unless you have told us and we have agreed to cover this, and it is shown on your current schedule.", "url": "https://www.datocms-assets.com/49357/1626741248-racticdd002-home-insurance-pds-web-september-2021.pdf#page=8", "page": 8, "document_sha256": "0df908eb487db447767761996bba247b13fd9fc22b47c82035cce6050d386336", "confirmed": "2026-11-13" } } }, "conditions": [ "The KFS (October 2023) says there is no cover for bushfire, tsunami, storm or flood in the first 72 hours of a new policy per the PDS (some exceptions apply).", "Optional Accidental Damage cover is not suitable for customers who have a renter, tenant, guest or boarder in any part of the home." ], "unoccupied": { "days": 60, "effect": "reduced_cover", "excess": null, "excluded_events": "fire (but not bushfire), escape of liquid, theft or burglary, intentional or malicious damage, explosion", "still_covered": null, "must_tell": true, "conditions": "Unless you told RACT and it agreed (shown on the schedule). Otherwise RACT pays only the part of the loss you prove the vacancy did not cause.", "then": null, "label": "Some events not covered after 60 days" }, "id": "home-contents-and-portable-items-insurance-home-building-cover", "type_label": "Home building", "issuers": [ { "name": "RACT Insurance Pty Ltd", "abn": "96068167804", "afsl": "229076", "lloyds": false, "slug": "ract-insurance", "apra": { "status": "authorised", "name": "RACT Insurance Pty. Ltd", "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": "229076", "name": "RACT INSURANCE PTY. LTD.", "abn": "96068167804", "acn": null, "licensed_since": "2003-06-16", "locality": "Hobart TAS 7000", "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": "RACT Investor Insurance (Investor Basic and Investor Plus)", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured_buffer", "buffer_percent": 25, "flood": "included", "accidental_damage": null, "levels": [ "Investor Basic", "Investor Plus" ], "eligibility": "Landlords with a residential building used as a tenanted property in Tasmania (TMD).", "states": [ "TAS" ], "documents": [ { "title": "Investor Insurance PDS (1 September 2021)", "url": "https://www.datocms-assets.com/49357/1626741279-racticdd002-investor-insurance-pds-web-september-2021.pdf", "date": "2021-09-01" }, { "title": "Supplementary PDS - Investor Insurance (effective 9 November 2023)", "url": "https://www.datocms-assets.com/49357/1695960947-ract9574-spds-investor-insurance-web-op.pdf", "date": "2023-11-09" }, { "title": "Target Market Determination - Investor (effective 5 March 2026)", "url": "https://www.datocms-assets.com/49357/1772606459-investor-tmd-5-march-2026.pdf", "date": "2026-03-05" } ], "quotes": { "product": { "text": "This Product provides cover to landlords for loss or damage to residential buildings that are used as tenanted properties and to the landlord's contents.", "url": "https://www.datocms-assets.com/49357/1772606459-investor-tmd-5-march-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product provides cover to landlords for loss or damage to residential buildings that are used as tenanted properties and to the landlord's contents.", "url": "https://www.datocms-assets.com/49357/1772606459-investor-tmd-5-march-2026.pdf#page=1", "page": 1, "document_sha256": "88a2008b4b155195a1a3cfbaf49dcab77be74038da83a5fa8a2fa17540d62f9f", "confirmed": "2026-11-13" } }, "channel": { "text": "Distribution of the Product is only conducted through: o Royal Automobile Club of Tasmania (RACT) call centres o RACT’s website o RACT’s store network", "url": "https://www.datocms-assets.com/49357/1772606459-investor-tmd-5-march-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Distribution of the Product is only conducted through: o Royal Automobile Club of Tasmania (RACT) call centres o RACT’s website o RACT’s store network", "url": "https://www.datocms-assets.com/49357/1772606459-investor-tmd-5-march-2026.pdf#page=4", "page": 4, "document_sha256": "88a2008b4b155195a1a3cfbaf49dcab77be74038da83a5fa8a2fa17540d62f9f", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "An additional amount above your sum insured to: • repair damage; or • rebuild your building; when the cost of repairing or rebuilding your building following an insured event exceeds the sum insured. Limit: Up to 25% of the sum insured.", "url": "https://www.datocms-assets.com/49357/1626741279-racticdd002-investor-insurance-pds-web-september-2021.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "An additional amount above your sum insured to: • repair damage; or • rebuild your building; when the cost of repairing or rebuilding your building following an insured event exceeds the sum insured. Limit: Up to 25% of the sum insured.", "url": "https://www.datocms-assets.com/49357/1626741279-racticdd002-investor-insurance-pds-web-september-2021.pdf#page=34", "page": 34, "document_sha256": "88627f0edd70653879f076c92c9981bb0d51eb3eab689c78a1b24294455ccca2", "confirmed": "2026-11-13" } }, "buffer_percent": { "text": "An additional amount above your sum insured to: • repair damage; or • rebuild your building; when the cost of repairing or rebuilding your building following an insured event exceeds the sum insured. Limit: Up to 25% of the sum insured.", "url": "https://www.datocms-assets.com/49357/1626741279-racticdd002-investor-insurance-pds-web-september-2021.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "An additional amount above your sum insured to: • repair damage; or • rebuild your building; when the cost of repairing or rebuilding your building following an insured event exceeds the sum insured. Limit: Up to 25% of the sum insured.", "url": "https://www.datocms-assets.com/49357/1626741279-racticdd002-investor-insurance-pds-web-september-2021.pdf#page=34", "page": 34, "document_sha256": "88627f0edd70653879f076c92c9981bb0d51eb3eab689c78a1b24294455ccca2", "confirmed": "2026-11-13" } }, "flood": { "text": "the following specified insured events: • Fire • Lightning • Earthquake or Tsunami • Storm • Flood", "url": "https://www.datocms-assets.com/49357/1772606459-investor-tmd-5-march-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "the following specified insured events: • Fire • Lightning • Earthquake or Tsunami • Storm • Flood", "url": "https://www.datocms-assets.com/49357/1772606459-investor-tmd-5-march-2026.pdf#page=1", "page": 1, "document_sha256": "88a2008b4b155195a1a3cfbaf49dcab77be74038da83a5fa8a2fa17540d62f9f", "confirmed": "2026-11-13" } }, "eligibility": { "text": "This Product provides cover to landlords for loss or damage to residential buildings that are used as tenanted properties and to the landlord's contents.", "url": "https://www.datocms-assets.com/49357/1772606459-investor-tmd-5-march-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product provides cover to landlords for loss or damage to residential buildings that are used as tenanted properties and to the landlord's contents.", "url": "https://www.datocms-assets.com/49357/1772606459-investor-tmd-5-march-2026.pdf#page=1", "page": 1, "document_sha256": "88a2008b4b155195a1a3cfbaf49dcab77be74038da83a5fa8a2fa17540d62f9f", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "If your building becomes unoccupied for more than 60 consecutive days, there is no cover for some insured events unless you have told us and we have agreed to cover this, and it is shown on your current schedule.", "url": "https://www.datocms-assets.com/49357/1626741279-racticdd002-investor-insurance-pds-web-september-2021.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If your building becomes unoccupied for more than 60 consecutive days, there is no cover for some insured events unless you have told us and we have agreed to cover this, and it is shown on your current schedule.", "url": "https://www.datocms-assets.com/49357/1626741279-racticdd002-investor-insurance-pds-web-september-2021.pdf#page=8", "page": 8, "document_sha256": "88627f0edd70653879f076c92c9981bb0d51eb3eab689c78a1b24294455ccca2", "confirmed": "2026-11-13" } } }, "conditions": [ "Investor Plus adds cover for theft and malicious damage by tenants and loss of rent; Investor Basic is the standard cover for tenanted properties.", "No optional accidental damage cover is offered for tenanted homes (the Home TMD says Accidental Damage is not suitable where a tenant occupies part of the home)." ], "unoccupied": { "days": 60, "effect": "reduced_cover", "excess": null, "excluded_events": "fire (but not bushfire), escape of liquid, theft or burglary, intentional or malicious damage, explosion", "still_covered": null, "must_tell": true, "conditions": "Unless you told RACT and it agreed (shown on the schedule). Otherwise RACT pays only if you prove no part of the loss was caused by the vacancy.", "then": null, "label": "Some events not covered after 60 days" }, "id": "investor-insurance-investor-basic-and-investor-plus", "type_label": "Landlord", "issuers": [ { "name": "RACT Insurance Pty Ltd", "abn": "96068167804", "afsl": "229076", "lloyds": false, "slug": "ract-insurance", "apra": { "status": "authorised", "name": "RACT Insurance Pty. Ltd", "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": "229076", "name": "RACT INSURANCE PTY. LTD.", "abn": "96068167804", "acn": null, "licensed_since": "2003-06-16", "locality": "Hobart TAS 7000", "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": "RACT Strata Building Insurance", "type": "residential_strata", "segment": "residential", "channel": "direct", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "states": [ "TAS" ], "documents": [ { "title": "Strata Building Insurance Product Disclosure Statement", "url": "https://www.datocms-assets.com/49357/1626741309-racticdd002-strata-pds-web-september-2021.pdf", "date": "2021-09-01" }, { "title": "Supplementary Product Disclosure Statement", "url": "https://www.datocms-assets.com/49357/1695960984-ract9574-spds-strata-insurance-web-op.pdf", "date": "2023-11-01" }, { "title": "Target Market Determination", "url": "https://www.datocms-assets.com/49357/1772606458-strata-tmd-5-march-2026.pdf", "date": "2026-03-05" } ], "quotes": { "product": { "text": "This Product provides cover for loss or damage to strata buildings, as well as associated costs and expenses.", "url": "https://www.datocms-assets.com/49357/1772606458-strata-tmd-5-march-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product provides cover for loss or damage to strata buildings, as well as associated costs and expenses.", "url": "https://www.datocms-assets.com/49357/1772606458-strata-tmd-5-march-2026.pdf#page=1", "page": 1, "document_sha256": "75c15236cd0a9b0587c6d404170852548b099920ac186b64f8b49b36d461ce8c", "confirmed": "2026-11-13" } }, "channel": { "text": "Call us for a quote on 13 27 22", "url": "https://www.ract.com.au/insurance-and-finance/strata-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Call us for a quote on 13 27 22", "url": "https://www.ract.com.au/insurance-and-finance/strata-insurance#:~:text=Call%20us%20for%20a%20quote%20on%2013%2027%2022", "document_sha256": "0380d4112d0db8f542303bff2d912f5c0baee8a18cb1ea233eaccf5917b3cc91", "confirmed": "2026-11-13" } }, "online_quote": { "text": "Call us for a quote on 13 27 22", "url": "https://www.ract.com.au/insurance-and-finance/strata-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Call us for a quote on 13 27 22", "url": "https://www.ract.com.au/insurance-and-finance/strata-insurance#:~:text=Call%20us%20for%20a%20quote%20on%2013%2027%2022", "document_sha256": "0380d4112d0db8f542303bff2d912f5c0baee8a18cb1ea233eaccf5917b3cc91", "confirmed": "2026-11-13" } }, "flood": { "text": "Loss or damage to your strata building caused by or resulting from flood.", "url": "https://www.datocms-assets.com/49357/1626741309-racticdd002-strata-pds-web-september-2021.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Loss or damage to your strata building caused by or resulting from flood.", "url": "https://www.datocms-assets.com/49357/1626741309-racticdd002-strata-pds-web-september-2021.pdf#page=25", "page": 25, "document_sha256": "b90a45f4f13bcd371a912a4179f495279b3e66d4d643f626687ad1b7faccc9b6", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Own a strata building as defined by the Strata Titles Act 1998 in Tasmania", "url": "https://www.datocms-assets.com/49357/1772606458-strata-tmd-5-march-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Own a strata building as defined by the Strata Titles Act 1998 in Tasmania", "url": "https://www.datocms-assets.com/49357/1772606458-strata-tmd-5-march-2026.pdf#page=2", "page": 2, "document_sha256": "75c15236cd0a9b0587c6d404170852548b099920ac186b64f8b49b36d461ce8c", "confirmed": "2026-11-13" } }, "states": { "text": "Our strata insurance coverage is available for strata properties located in Tasmania.", "url": "https://www.ract.com.au/insurance-and-finance/strata-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Our strata insurance coverage is available for strata properties located in Tasmania.", "url": "https://www.ract.com.au/insurance-and-finance/strata-insurance#:~:text=Our%20strata%20insurance%20coverage%20is,strata%20properties%20located%20in%20Tasmania.", "document_sha256": "0380d4112d0db8f542303bff2d912f5c0baee8a18cb1ea233eaccf5917b3cc91", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "If your entire strata building becomes unoccupied for more than 60 consecutive days, there is no cover for some insured events unless you have told us and we have agreed to cover this, and it is shown on your current schedule.", "url": "https://www.datocms-assets.com/49357/1626741309-racticdd002-strata-pds-web-september-2021.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If your entire strata building becomes unoccupied for more than 60 consecutive days, there is no cover for some insured events unless you have told us and we have agreed to cover this, and it is shown on your current schedule.", "url": "https://www.datocms-assets.com/49357/1626741309-racticdd002-strata-pds-web-september-2021.pdf#page=8", "page": 8, "document_sha256": "b90a45f4f13bcd371a912a4179f495279b3e66d4d643f626687ad1b7faccc9b6", "confirmed": "2026-11-13" } } }, "eligibility": "Bodies corporate and owners of strata buildings in Tasmania wanting cover for loss or damage from specified insured events, plus office bearers' liability; not for buildings used for business, hotel, B&B or homeshare without RACT's agreement.", "conditions": [ "Cover is for specified insured events (fire, storm, flood, theft and so on); the PDS does not list accidental damage as a separate insured event.", "Flood, storm, bushfire and tsunami cover does not start until 72 hours after the policy begins (some exceptions).", "Safety net pays up to an extra 25% of the sum insured if the rebuild costs more." ], "unoccupied": { "days": 60, "effect": "reduced_cover", "excess": null, "excluded_events": "fire (but not bushfire), escape of liquid, theft or burglary, intentional or malicious damage, explosion", "still_covered": null, "must_tell": true, "conditions": "Only if the entire strata building is unoccupied; unless RACT agreed. Otherwise RACT pays the part of the loss you prove the vacancy did not cause.", "then": null, "label": "Some events not covered after 60 days" }, "id": "strata-building-insurance", "type_label": "Residential strata", "issuers": [ { "name": "RACT Insurance Pty Ltd", "abn": "96068167804", "afsl": "229076", "lloyds": false, "slug": "ract-insurance", "apra": { "status": "authorised", "name": "RACT Insurance Pty. Ltd", "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": "229076", "name": "RACT INSURANCE PTY. LTD.", "abn": "96068167804", "acn": null, "licensed_since": "2003-06-16", "locality": "Hobart TAS 7000", "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": "Underwritten by RACT Insurance Pty Ltd ABN 96 068 167 804 License No 229076.", "url": "https://www.datocms-assets.com/49357/1696328120-home-and-contents-insurance-key-fact-sheet-3-october-2023.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Underwritten by RACT Insurance Pty Ltd ABN 96 068 167 804 License No 229076.", "url": "https://www.datocms-assets.com/49357/1696328120-home-and-contents-insurance-key-fact-sheet-3-october-2023.pdf#page=2", "page": 2, "document_sha256": "4dd9c5b799478645035a6a4daeb2ca98b9a25b12f6d9c59917c25f37e7cb3832", "confirmed": "2026-11-13" } } }, "curation_notes": "RACT's documents page lists the PDSs dated September 2021 plus SPDS (November 2023) and TMDs dated 5 March 2026; the Home KFS is dated October 2023. No separate Key Facts Sheet for Investor Insurance was found. Strata Insurance is a separate product (not in scope). No high-value-home product found.", "segments": [ "residential" ], "issuers": [ { "name": "RACT Insurance Pty Ltd", "abn": "96068167804", "afsl": "229076", "lloyds": false, "slug": "ract-insurance", "apra": { "status": "authorised", "name": "RACT Insurance Pty. Ltd", "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": "229076", "name": "RACT INSURANCE PTY. LTD.", "abn": "96068167804", "acn": null, "licensed_since": "2003-06-16", "locality": "Hobart TAS 7000", "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/ract/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/ract.json" }, { "slug": "racv", "name": "RACV", "website": "https://www.racv.com.au/insurance/home-insurance.html", "kind": "brand", "underwriter": "Insurance Manufacturers of Australia Pty Limited", "underwriter_abn": "93004208084", "underwriter_afsl": "227678", "lloyds": false, "distributor": { "name": "RACV Insurance Services Pty Ltd", "abn": "74004131800", "afsl": "230039", "authorised_representative_no": null }, "products": [ { "name": "RACV Home Buildings Insurance", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": "optional", "levels": [], "eligibility": "Private residential buildings (free standing house, townhouse, villa, duplex, semi-detached or terrace) that are not under a registered body corporate; owner primary residence, holiday home or rented-out home.", "states": null, "documents": [ { "title": "Product Disclosure Statement and Policy Booklet (prepared 2 August 2022; amended by SPDS effective 11 October 2023)", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf", "date": "2022-08-02" }, { "title": "Key Facts Sheet - Home Buildings", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/kfs/key-facts-home-building-policy-current.pdf", "date": "2023-10-10" }, { "title": "Target Market Determination TMDHBC003", "url": "https://www.iag.com.au/tmd/TMDHBC003", "date": "2026-04-27" }, { "title": "Financial Services Guide", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/financial-services-guides/financial-services-guide-home-landlord-motor-vvc.pdf", "date": null } ], "quotes": { "product": { "text": "Award-winning cover to help protect your home and contents, or insure both and save up to 10% with a multi-policy discount.", "url": "https://www.racv.com.au/insurance/home-insurance.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Award-winning cover to help protect your home and contents, or insure both and save up to 10% with a multi-policy discount.", "url": "https://www.racv.com.au/insurance/home-insurance.html#:~:text=Award%2Dwinning%20cover%20to%20help%20protect,10%25%20with%20a%20multi%2Dpolicy%20discount.", "document_sha256": "152cdba1bb5b6d0e0e4068d51cc1ea083c2c3b9092b8061b3e6717cbb13a2ff8", "confirmed": "2026-11-13" } }, "channel": { "text": "This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online – In shops and agencies – By calling contact centres", "url": "https://www.iag.com.au/tmd/TMDHBC003", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online – In shops and agencies – By calling contact centres", "url": "https://www.iag.com.au/tmd/TMDHBC003#page=3", "page": 3, "document_sha256": "f2041f1e15f83f7df37036132a5effde28e5a1dbdf05326e7d2204e2695727fd", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "The Buildings sum insured is the amount of insurance you choose to cover your home.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Buildings sum insured is the amount of insurance you choose to cover your home.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf#page=19", "page": 19, "document_sha256": "6888b745d89cc8ad672e91991753f9c7834d19ee9279f9ce7df5875018b66adf", "confirmed": "2026-11-13" } }, "flood": { "text": "if we have identified your home is at risk of flooding, you may choose to remove this cover.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "if we have identified your home is at risk of flooding, you may choose to remove this cover.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf#page=37", "page": 37, "document_sha256": "6888b745d89cc8ad672e91991753f9c7834d19ee9279f9ce7df5875018b66adf", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex • Semi-detached house or terrace", "url": "https://www.iag.com.au/tmd/TMDHBC003", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex • Semi-detached house or terrace", "url": "https://www.iag.com.au/tmd/TMDHBC003#page=1", "page": 1, "document_sha256": "f2041f1e15f83f7df37036132a5effde28e5a1dbdf05326e7d2204e2695727fd", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "You can also purchase optional cover for ‘Accidental damage’ to your home.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/kfs/key-facts-home-building-policy-current.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "You can also purchase optional cover for ‘Accidental damage’ to your home.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/kfs/key-facts-home-building-policy-current.pdf#page=1", "page": 1, "document_sha256": "cfede283cf0ff1318c6bee22f5bf8308cd699067ada55050ea58f3159940bd94", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "you leaving your home unoccupied for 60 consecutive days or more and not maintaining it in a lived-in state by:", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "you leaving your home unoccupied for 60 consecutive days or more and not maintaining it in a lived-in state by:", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf#page=76", "page": 76, "document_sha256": "6888b745d89cc8ad672e91991753f9c7834d19ee9279f9ce7df5875018b66adf", "confirmed": "2026-11-13" } } }, "conditions": [ "Flood cover can be removed only if RACV has identified the home as at risk of flooding and agrees; removing it also removes storm surge and rainwater run-off cover.", "Buildings under a registered body corporate are not eligible.", "Home and landlord policies are distributed to members of Royal Automobile Club of Victoria (RACV) Ltd by RACV Insurance Services Pty Ltd." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Only if the home is also not kept in a lived-in state (lawns mowed, mail stopped, someone checking inside and out weekly).", "then": null, "label": "No cover after 60 days" }, "id": "home-buildings-insurance", "type_label": "Home building", "issuers": [ { "name": "Insurance Manufacturers of Australia Pty Limited", "abn": "93004208084", "afsl": "227678", "lloyds": false, "slug": "insurance-manufacturers-of-australia", "apra": { "status": "authorised", "name": "Insurance Manufacturers of Australia Pty 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": "227678", "name": "INSURANCE MANUFACTURERS OF AUSTRALIA PTY LIMITED", "abn": "93004208084", "acn": null, "licensed_since": "2003-07-28", "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": "RACV Landlord Buildings Insurance", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": null, "levels": [], "eligibility": "Private residential buildings (free standing house, townhouse, villa, duplex, semi-detached or terrace) that are not under a registered body corporate; rented out to tenants.", "states": null, "documents": [ { "title": "Product Disclosure Statement and Policy Booklet (prepared 2 August 2022; amended by SPDS effective 11 October 2023)", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/landlord-insurance-pds-current.pdf", "date": "2022-08-02" }, { "title": "Target Market Determination TMDLBC004", "url": "https://www.iag.com.au/tmd/TMDLBC004", "date": "2026-04-27" }, { "title": "Financial Services Guide", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/financial-services-guides/financial-services-guide-home-landlord-motor-vvc.pdf", "date": null } ], "quotes": { "product": { "text": "Cover designed especially for landlords With options to protect your rental property, the furniture you provide tenants, or both.", "url": "https://www.racv.com.au/insurance/home-insurance/landlord.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover designed especially for landlords With options to protect your rental property, the furniture you provide tenants, or both.", "url": "https://www.racv.com.au/insurance/home-insurance/landlord.html#:~:text=Cover%20designed%20especially%20for%20landlords,you%20provide%20tenants%2C%20or%20both.", "document_sha256": "8f4445d67a185f6137e2be8ed16e4b6a6e08324ab31358a99aae84ffa56481b4", "confirmed": "2026-11-13" } }, "channel": { "text": "This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online – In shops and agencies – By calling contact centres", "url": "https://www.iag.com.au/tmd/TMDLBC004", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online – In shops and agencies – By calling contact centres", "url": "https://www.iag.com.au/tmd/TMDLBC004#page=3", "page": 3, "document_sha256": "cefdb0d01d6d75e7072f93c1e866370d38fd5622fcf49c587b62fc1bcad90f00", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "The Buildings sum insured is the amount of insurance you choose to cover your rental property.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/landlord-insurance-pds-current.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Buildings sum insured is the amount of insurance you choose to cover your rental property.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/landlord-insurance-pds-current.pdf#page=18", "page": 18, "document_sha256": "0d6cbaac3bcbcd2dcc0ec37ff2f2d846c4508cdfc6f1d263925e490235f2880d", "confirmed": "2026-11-13" } }, "flood": { "text": "If you do that and we agree, we will also remove cover for flood and storm surge cover.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/landlord-insurance-pds-current.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If you do that and we agree, we will also remove cover for flood and storm surge cover.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/landlord-insurance-pds-current.pdf#page=36", "page": 36, "document_sha256": "0d6cbaac3bcbcd2dcc0ec37ff2f2d846c4508cdfc6f1d263925e490235f2880d", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex • Semi-detached house or terrace", "url": "https://www.iag.com.au/tmd/TMDLBC004", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex • Semi-detached house or terrace", "url": "https://www.iag.com.au/tmd/TMDLBC004#page=1", "page": 1, "document_sha256": "cefdb0d01d6d75e7072f93c1e866370d38fd5622fcf49c587b62fc1bcad90f00", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "you leaving your rental property unoccupied for 30 consecutive days or more and not maintaining it in a lived-in state by:", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/landlord-insurance-pds-current.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "you leaving your rental property unoccupied for 30 consecutive days or more and not maintaining it in a lived-in state by:", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/landlord-insurance-pds-current.pdf#page=60", "page": 60, "document_sha256": "0d6cbaac3bcbcd2dcc0ec37ff2f2d846c4508cdfc6f1d263925e490235f2880d", "confirmed": "2026-11-13" } } }, "conditions": [ "Flood cover can be removed only if RACV has identified the property as at risk and agrees; removing it also removes flood and storm surge cover (the PDS ties the option to rainwater run-off risk).", "Buildings under a registered body corporate are not eligible.", "Home and landlord policies are distributed to members of Royal Automobile Club of Victoria (RACV) Ltd by RACV Insurance Services Pty Ltd." ], "unoccupied": { "days": 30, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Only if the rental property is also not kept in a lived-in state (lawns mowed, mail stopped, someone checking inside and out weekly). Gaps between tenants count.", "then": null, "label": "No cover after 30 days" }, "id": "landlord-buildings-insurance", "type_label": "Landlord", "issuers": [ { "name": "Insurance Manufacturers of Australia Pty Limited", "abn": "93004208084", "afsl": "227678", "lloyds": false, "slug": "insurance-manufacturers-of-australia", "apra": { "status": "authorised", "name": "Insurance Manufacturers of Australia Pty 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": "227678", "name": "INSURANCE MANUFACTURERS OF AUSTRALIA PTY LIMITED", "abn": "93004208084", "acn": null, "licensed_since": "2003-07-28", "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": "RACV Business Insurance for commercial property owners", "type": "commercial_landlord", "segment": "commercial", "channel": "direct", "online_quote": true, "cover_basis": null, "buffer_percent": null, "flood": "included", "accidental_damage": "included", "levels": [], "eligibility": "Small businesses and sole traders with fewer than 20 employees and under $5 million annual turnover.", "states": [ "VIC" ], "documents": [ { "title": "RACV Business Insurance Product Disclosure Statement and Policy Booklet (August 2025)", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/business-insurance/pds/racv-business-insurance-pds-current.pdf", "date": "2025-08-01" }, { "title": "Target Market Determination for Business Insurance (TMDBU001)", "url": "https://www.iag.com.au/tmd/tmdbu001", "date": "2021-10-05" } ], "quotes": { "product": { "text": "Make sure your commercial property is protected with RACV Business Insurance.", "url": "https://www.racv.com.au/insurance/business-insurance/property-owners.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Make sure your commercial property is protected with RACV Business Insurance.", "url": "https://www.racv.com.au/insurance/business-insurance/property-owners.html#:~:text=Make%20sure%20your%20commercial%20property,protected%20with%20RACV%20Business%20Insurance.", "document_sha256": "5147ac01e0bc533da0038b3bc7217f98fa5709977a8fb6bc117dbbed08ba0238", "confirmed": "2026-11-13" } }, "channel": { "text": "Get a quote and cover online or by phone.", "url": "https://www.racv.com.au/insurance/business-insurance/property-owners.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Get a quote and cover online or by phone.", "url": "https://www.racv.com.au/insurance/business-insurance/property-owners.html#:~:text=Get%20a%20quote%20and%20cover%20online%20or%20by%20phone.", "document_sha256": "5147ac01e0bc533da0038b3bc7217f98fa5709977a8fb6bc117dbbed08ba0238", "confirmed": "2026-11-13" } }, "online_quote": { "text": "Get a quote and cover online or by phone.", "url": "https://www.racv.com.au/insurance/business-insurance/property-owners.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Get a quote and cover online or by phone.", "url": "https://www.racv.com.au/insurance/business-insurance/property-owners.html#:~:text=Get%20a%20quote%20and%20cover%20online%20or%20by%20phone.", "document_sha256": "5147ac01e0bc533da0038b3bc7217f98fa5709977a8fb6bc117dbbed08ba0238", "confirmed": "2026-11-13" } }, "flood": { "text": "Delay of cover We will not provide any cover, for a period of 72 hours from the time of the commencement of Your insurance, for Damage or loss caused by: a) bushfire or grassfire, c) Flood, or d) Storm Surge.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/business-insurance/pds/racv-business-insurance-pds-current.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Delay of cover We will not provide any cover, for a period of 72 hours from the time of the commencement of Your insurance, for Damage or loss caused by: a) bushfire or grassfire, c) Flood, or d) Storm Surge.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/business-insurance/pds/racv-business-insurance-pds-current.pdf#page=17", "page": 17, "document_sha256": "26fbcabd9cae685d596bd52f24079562f7fcef2c9908fa955dd669b8c3194f6c", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "if the total combined Property Insured Sum Insured as shown in Your Certificate of Insurance is greater than $250,000, then the most We will pay in respect of Accidental Damage will be $250,000.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/business-insurance/pds/racv-business-insurance-pds-current.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "if the total combined Property Insured Sum Insured as shown in Your Certificate of Insurance is greater than $250,000, then the most We will pay in respect of Accidental Damage will be $250,000.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/business-insurance/pds/racv-business-insurance-pds-current.pdf#page=18", "page": 18, "document_sha256": "26fbcabd9cae685d596bd52f24079562f7fcef2c9908fa955dd669b8c3194f6c", "confirmed": "2026-11-13" } }, "eligibility": { "text": "RACV Business Insurance caters to the needs of small businesses and sole traders. This covers operations with less than 20 employees and less than $5 million turnover per year.", "url": "https://www.racv.com.au/insurance/business-insurance/property-owners.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "RACV Business Insurance caters to the needs of small businesses and sole traders. This covers operations with less than 20 employees and less than $5 million turnover per year.", "url": "https://www.racv.com.au/insurance/business-insurance/property-owners.html#:~:text=RACV%20Business%20Insurance%20caters%20to,%245%20million%20turnover%20per%20year.", "document_sha256": "5147ac01e0bc533da0038b3bc7217f98fa5709977a8fb6bc117dbbed08ba0238", "confirmed": "2026-11-13" } }, "underwriter": { "text": "This product is issued to members of Royal Automobile Club of Victoria (RACV) Ltd by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/business-insurance/pds/racv-business-insurance-pds-current.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This product is issued to members of Royal Automobile Club of Victoria (RACV) Ltd by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/business-insurance/pds/racv-business-insurance-pds-current.pdf#page=79", "page": 79, "document_sha256": "26fbcabd9cae685d596bd52f24079562f7fcef2c9908fa955dd669b8c3194f6c", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Unless We otherwise agree in writing, We will not pay for any loss or Damage to Property Insured if the occurrence happens whilst Your Business Premises has been unoccupied for more than 90 consecutive days.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/business-insurance/pds/racv-business-insurance-pds-current.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Unless We otherwise agree in writing, We will not pay for any loss or Damage to Property Insured if the occurrence happens whilst Your Business Premises has been unoccupied for more than 90 consecutive days.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/business-insurance/pds/racv-business-insurance-pds-current.pdf#page=14", "page": 14, "document_sha256": "26fbcabd9cae685d596bd52f24079562f7fcef2c9908fa955dd669b8c3194f6c", "confirmed": "2026-11-13" } } }, "conditions": [ "Section 1 Property forms part of the policy only if shown on the Certificate of Insurance, so buildings cover is optional.", "Accidental damage is capped at $250,000 combined unless 'Additional Accidental Damage' is shown on the Certificate.", "Sold to RACV members; the RACV page is aimed at Victorian businesses." ], "underwriter": "Insurance Australia Limited", "underwriter_abn": "11000016722", "underwriter_afsl": "227681", "lloyds": false, "unoccupied": { "days": 90, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Unless the insurer agreed in writing.", "then": null, "label": "No cover after 90 days" }, "id": "business-insurance-for-commercial-property-owners", "type_label": "Commercial landlord", "issuers": [ { "name": "Insurance Australia Limited", "abn": "11000016722", "afsl": "227681", "lloyds": false, "slug": "insurance-australia", "apra": { "status": "authorised", "name": "Insurance Australia 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": "227681", "name": "INSURANCE AUSTRALIA LIMITED", "abn": "11000016722", "acn": null, "licensed_since": "2003-07-28", "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": "RACV Home Insurance is issued by Insurance Manufacturers of Australia Pty Limited ABN 93 004 208 084 AFS Licence No. 227678, a subsidiary of Insurance Australia Group Limited.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "RACV Home Insurance is issued by Insurance Manufacturers of Australia Pty Limited ABN 93 004 208 084 AFS Licence No. 227678, a subsidiary of Insurance Australia Group Limited.", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf#page=2", "page": 2, "document_sha256": "6888b745d89cc8ad672e91991753f9c7834d19ee9279f9ce7df5875018b66adf", "confirmed": "2026-11-13" } }, "distributor": { "text": "RACV Home Insurance is distributed to members of Royal Automobile Club of Victoria (RACV) Ltd, by RACV Insurance Services Pty Ltd ABN 74 004 131 800 AFS Licence No. 230039", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "RACV Home Insurance is distributed to members of Royal Automobile Club of Victoria (RACV) Ltd, by RACV Insurance Services Pty Ltd ABN 74 004 131 800 AFS Licence No. 230039", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/home-insurance/pds/home-insurance-pds-current.pdf#page=2", "page": 2, "document_sha256": "6888b745d89cc8ad672e91991753f9c7834d19ee9279f9ce7df5875018b66adf", "confirmed": "2026-11-13" } } }, "curation_notes": "The file the RACV policy documents page labels 'PDS October 2023' is the PDS prepared 2 August 2022 with a 2023 SPDS bundled in; the website describes it as current (October 2023). The Key Facts Sheet is dated 10 October 2023. TMDs (IAG-hosted) are effective 27 April 2026. Whether the quote form is an instant online quote or a call-back could not be confirmed from the page (a 'Get a quote' button plus a 'we'll contact you within 72 hours' message), so online_quote is null. Landlord PDS shows no optional accidental damage cover, so accidental_damage is null. RACV also sells contents and renters cover (not building) under the same TMD. | Same IAL wording as NRMA Business Insurance. The RACV site states 'Victorian businesses' but no formal state restriction was found, so states=['VIC'] is inferred from 'Protecting thousands of Victorian businesses'; treat as unconfirmed. Page title: 'Insurance for commercial property owners'.", "segments": [ "residential", "commercial" ], "issuers": [ { "name": "Insurance Manufacturers of Australia Pty Limited", "abn": "93004208084", "afsl": "227678", "lloyds": false, "slug": "insurance-manufacturers-of-australia", "apra": { "status": "authorised", "name": "Insurance Manufacturers of Australia Pty 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": "227678", "name": "INSURANCE MANUFACTURERS OF AUSTRALIA PTY LIMITED", "abn": "93004208084", "acn": null, "licensed_since": "2003-07-28", "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": "230039", "name": "RACV INSURANCE SERVICES PTY LTD", "abn": "74004131800", "acn": null, "licensed_since": "2004-01-11", "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/racv/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/racv.json" }, { "slug": "real-insurance", "name": "Real Insurance", "website": "https://www.realinsurance.com.au/", "kind": "brand", "underwriter": "The Hollard Insurance Company Pty Ltd", "underwriter_abn": "78090584473", "underwriter_afsl": "241436", "lloyds": false, "distributor": { "name": "Greenstone Financial Services Pty Ltd (trading as Real Insurance)", "abn": "53128692884", "afsl": "343079", "authorised_representative_no": null }, "products": [ { "name": "Real Insurance Home Insurance (building cover)", "type": "home_building", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [ "Essential", "Top" ], "eligibility": null, "states": null, "documents": [ { "title": "Home Insurance Product Disclosure Statement", "url": "https://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf", "date": "2026-07-01" }, { "title": "Home Key Facts Sheet", "url": "https://www.realinsurance.com.au/documents/real-home-key-facts-sheet.pdf", "date": "2020-10-13" }, { "title": "Target Market Determination", "url": "https://www.realinsurance.com.au/documents/real-home-insurance-tmd-september-2021.pdf", "date": null } ], "quotes": { "product": { "text": "This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436", "url": "https://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436", "url": "https://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf#page=5", "page": 5, "document_sha256": "5ff2a4841ef9cc99882b83324cb2324927d788185d2877e7b29781c85f335313", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy’s Home/Building Cover you set the maximum level of cover and your payout is limited to that amount (sum insured).", "url": "https://www.realinsurance.com.au/documents/real-home-key-facts-sheet.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Under this policy’s Home/Building Cover you set the maximum level of cover and your payout is limited to that amount (sum insured).", "url": "https://www.realinsurance.com.au/documents/real-home-key-facts-sheet.pdf#page=1", "page": 1, "document_sha256": "701d4f1223c87c4ca7b26a36c48399a3d2a393e40d6043c5c6c8758249ced05a", "confirmed": "2026-11-13" } }, "flood": { "text": "You are covered for loss or damage to your building or contents (as applicable) caused by Storm, rainwater and flood", "url": "https://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "You are covered for loss or damage to your building or contents (as applicable) caused by Storm, rainwater and flood", "url": "https://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf#page=15", "page": 15, "document_sha256": "5ff2a4841ef9cc99882b83324cb2324927d788185d2877e7b29781c85f335313", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "accidental damage under this Insured event if you have selected Essential building and/or contents cover.", "url": "https://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "accidental damage under this Insured event if you have selected Essential building and/or contents cover.", "url": "https://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf#page=14", "page": 14, "document_sha256": "5ff2a4841ef9cc99882b83324cb2324927d788185d2877e7b29781c85f335313", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "your building being unoccupied for longer than 60 consecutive days. This exclusion will not apply to loss or damage caused by lightning or earthquake that occurs during the period of time in which the building is unoccupied;", "url": "https://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "your building being unoccupied for longer than 60 consecutive days. This exclusion will not apply to loss or damage caused by lightning or earthquake that occurs during the period of time in which the building is unoccupied;", "url": "https://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf#page=39", "page": 39, "document_sha256": "5ff2a4841ef9cc99882b83324cb2324927d788185d2877e7b29781c85f335313", "confirmed": "2026-11-13" } } }, "conditions": [ "Accidental damage is covered only on the higher level (Top); the lower level (Essential) excludes it.", "Flood is part of the 'Storm, rainwater and flood' insured event." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": "lightning, earthquake", "must_tell": true, "conditions": "Unless you tell Real and it agrees to continue cover. While unoccupied the building must also be kept lived-in (lawns, mail, weekly check).", "then": null, "label": "No cover after 60 days (a few events excepted)" }, "id": "home-insurance-building-cover", "type_label": "Home building", "issuers": [ { "name": "The Hollard Insurance Company Pty Ltd", "abn": "78090584473", "afsl": "241436", "lloyds": false, "slug": "hollard-insurance", "apra": { "status": "authorised", "name": "Hollard Insurance Company Pty Ltd (The)", "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": "241436", "name": "THE HOLLARD INSURANCE COMPANY PTY LTD", "abn": "78090584473", "acn": null, "licensed_since": "2004-03-11", "locality": "North Sydney NSW 2060", "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": "Real Insurance Landlords Insurance (building cover)", "type": "landlord", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Landlords Insurance Product Disclosure Statement", "url": "https://www.realinsurance.com.au/documents/real-landlords-insurance-pds-july-2026.pdf", "date": "2026-07-01" } ], "quotes": { "product": { "text": "This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436", "url": "https://www.realinsurance.com.au/documents/real-landlords-insurance-pds-july-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436", "url": "https://www.realinsurance.com.au/documents/real-landlords-insurance-pds-july-2026.pdf#page=5", "page": 5, "document_sha256": "2bb9c0f05109d87c1368d6afebb2d2fbdd5e6b62bfa61fc246057dea20cc42a8", "confirmed": "2026-11-13" } }, "flood": { "text": "against loss or damage caused by fire and explosion; malicious damage; theft; storm, rainwater and flood; accidental glass breakage", "url": "https://www.realinsurance.com.au/documents/real-landlords-insurance-pds-july-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "against loss or damage caused by fire and explosion; malicious damage; theft; storm, rainwater and flood; accidental glass breakage", "url": "https://www.realinsurance.com.au/documents/real-landlords-insurance-pds-july-2026.pdf#page=6", "page": 6, "document_sha256": "2bb9c0f05109d87c1368d6afebb2d2fbdd5e6b62bfa61fc246057dea20cc42a8", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "your building being unoccupied for longer than 60 consecutive days. This exclusion will not apply to loss or damage caused by lightning or earthquake that occurs during the period of time in which the building is unoccupied;", "url": "https://www.realinsurance.com.au/documents/real-landlords-insurance-pds-july-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "your building being unoccupied for longer than 60 consecutive days. This exclusion will not apply to loss or damage caused by lightning or earthquake that occurs during the period of time in which the building is unoccupied;", "url": "https://www.realinsurance.com.au/documents/real-landlords-insurance-pds-july-2026.pdf#page=31", "page": 31, "document_sha256": "2bb9c0f05109d87c1368d6afebb2d2fbdd5e6b62bfa61fc246057dea20cc42a8", "confirmed": "2026-11-13" } } }, "conditions": [], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": "lightning, earthquake", "must_tell": true, "conditions": "Unless you tell Real and it agrees to continue cover. While unoccupied the building must also be kept lived-in (lawns, mail, weekly check).", "then": null, "label": "No cover after 60 days (a few events excepted)" }, "id": "landlords-insurance-building-cover", "type_label": "Landlord", "issuers": [ { "name": "The Hollard Insurance Company Pty Ltd", "abn": "78090584473", "afsl": "241436", "lloyds": false, "slug": "hollard-insurance", "apra": { "status": "authorised", "name": "Hollard Insurance Company Pty Ltd (The)", "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": "241436", "name": "THE HOLLARD INSURANCE COMPANY PTY LTD", "abn": "78090584473", "acn": null, "licensed_since": "2004-03-11", "locality": "North Sydney NSW 2060", "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 insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436", "url": "https://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436", "url": "https://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf#page=5", "page": 5, "document_sha256": "5ff2a4841ef9cc99882b83324cb2324927d788185d2877e7b29781c85f335313", "confirmed": "2026-11-13" } }, "distributor": { "text": "All products are promoted and distributed by Greenstone Financial Services Pty Ltd ABN 53 128 692 884, AFSL 343079 (GFS), trading as Real Insurance.", "url": "https://www.realinsurance.com.au/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "All products are promoted and distributed by Greenstone Financial Services Pty Ltd ABN 53 128 692 884, AFSL 343079 (GFS), trading as Real Insurance.", "url": "https://www.realinsurance.com.au/home-insurance#:~:text=All%20products%20are%20promoted%20and,%28GFS%29%2C%20trading%20as%20Real%20Insurance.", "document_sha256": "4c1fff71a7d53bf42143ec9f35a86b252f45960060b6bbb632b1bb87099f55ce", "confirmed": "2026-11-13" } } }, "curation_notes": "The key facts sheet linked from Real's site is dated 13 October 2020 (older than the 1 July 2026 PDS); cover basis is quoted from it. The 2026 PDS (rather than the old KFS) was used for flood and accidental damage.", "segments": [ "residential" ], "issuers": [ { "name": "The Hollard Insurance Company Pty Ltd", "abn": "78090584473", "afsl": "241436", "lloyds": false, "slug": "hollard-insurance", "apra": { "status": "authorised", "name": "Hollard Insurance Company Pty Ltd (The)", "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": "241436", "name": "THE HOLLARD INSURANCE COMPANY PTY LTD", "abn": "78090584473", "acn": null, "licensed_since": "2004-03-11", "locality": "North Sydney NSW 2060", "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": "343079", "name": "GREENSTONE FINANCIAL SERVICES PTY LTD", "abn": "53128692884", "acn": null, "licensed_since": "2010-06-24", "locality": "Norwest NSW 2153", "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/real-insurance/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/real-insurance.json" }, { "slug": "realtyprotect", "name": "RealtyProtect", "website": "https://www.howdengroup.com/au-en/landlord-insurance-realtyprotect", "kind": "brand", "underwriter": "Guild Insurance Limited", "underwriter_abn": "55004538863", "underwriter_afsl": "233791", "lloyds": false, "distributor": { "name": "360 Landlords Pty Ltd (authorised representative of 360 Underwriting Solutions Pty Ltd)", "abn": "99634062972", "afsl": "319181", "authorised_representative_no": "1288284" }, "products": [ { "name": "RealtyProtect Landlord Insurance", "type": "landlord", "segment": "residential", "channel": "broker", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "eligibility": "Landlords of residential rental property; cover for strata units is for contents, loss of rent and liability only, not the strata building itself.", "states": null, "documents": [ { "title": "RealtyProtect PDS and Policy Wording (prepared 1 May 2025)", "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf", "date": "2025-05-01" }, { "title": "May 2025 changes summary", "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realty_protect_landlord_insurance_derogation_notice_20032025.pdf", "date": null } ], "quotes": { "product": { "text": "RealtyProtect is a top-tier landlord insurance product with a specialist landlord policy wording", "url": "https://www.howdengroup.com/au-en/realtyprotect-agency", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "RealtyProtect is a top-tier landlord insurance product with a specialist landlord policy wording", "url": "https://www.howdengroup.com/au-en/realtyprotect-agency#:~:text=RealtyProtect%20is%20a%20top%2Dtier%20landlord,a%20specialist%20landlord%20policy%20wording", "document_sha256": "6ec7e8a566aad6e36e75a82b9700492e05eb6fd6050e8549373a834aaba89d37", "confirmed": "2026-11-13" } }, "channel": { "text": "Sign up to become a distributor of RealtyProtect. It is a quick and easy online process. Once accepted, you will receive a unique link, just for your agency, to place cover and view your portfolio.", "url": "https://www.howdengroup.com/au-en/realtyprotect-agency", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Sign up to become a distributor of RealtyProtect. It is a quick and easy online process. Once accepted, you will receive a unique link, just for your agency, to place cover and view your portfolio.", "url": "https://www.howdengroup.com/au-en/realtyprotect-agency#:~:text=Sign%20up%20to%20become%20a,cover%20and%20view%20your%20portfolio.", "document_sha256": "6ec7e8a566aad6e36e75a82b9700492e05eb6fd6050e8549373a834aaba89d37", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Building (optional) Up to Sum Insured", "url": "https://www.howdengroup.com/au-en/landlord-insurance-realtyprotect", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Building (optional) Up to Sum Insured", "url": "https://www.howdengroup.com/au-en/landlord-insurance-realtyprotect#:~:text=Building%20%28optional%29%20Up%20to%20Sum%20Insured", "document_sha256": "fc0a2470e5d5b6d4351f39344729b34f2331faae73accab22eb0f40da2c10568", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood, unless it is shown on your schedule as included.", "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood, unless it is shown on your schedule as included.", "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf#page=18", "page": 18, "document_sha256": "ceba6bc8bfba0e147c1706a042597cd95b41c9aa1f90b94c7e8bbc793d499b75", "confirmed": "2026-11-13" } }, "eligibility": { "text": "No, it doesn’t cover the Strata building itself.", "url": "https://www.howdengroup.com/au-en/landlord-insurance-realtyprotect", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "No, it doesn’t cover the Strata building itself.", "url": "https://www.howdengroup.com/au-en/landlord-insurance-realtyprotect#:~:text=No%2C%20it%20doesn%E2%80%99t%20cover%20the%20Strata%20building%20itself.", "document_sha256": "fc0a2470e5d5b6d4351f39344729b34f2331faae73accab22eb0f40da2c10568", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Any loss or damage to your building or contents if your building has been unoccupied with your knowledge for a period of ninety (90) or more consecutive days, unless you have obtained our written consent and paid any additional premium required by us.", "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Any loss or damage to your building or contents if your building has been unoccupied with your knowledge for a period of ninety (90) or more consecutive days, unless you have obtained our written consent and paid any additional premium required by us.", "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf#page=19", "page": 19, "document_sha256": "ceba6bc8bfba0e147c1706a042597cd95b41c9aa1f90b94c7e8bbc793d499b75", "confirmed": "2026-11-13" } } }, "conditions": [ "Building cover is an optional section; flood is excluded unless shown as included on the schedule." ], "unoccupied": { "days": 90, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": "earthquake, impact by another object, riot and civil commotion, public disturbance", "must_tell": true, "conditions": "Only if unoccupied with your knowledge; unless written consent and extra premium. Counts only if unfurnished, without power and no one stayed two nights running in 90 days.", "then": null, "label": "No cover after 90 days (a few events excepted)" }, "id": "landlord-insurance", "type_label": "Landlord", "issuers": [ { "name": "Guild Insurance Limited", "abn": "55004538863", "afsl": "233791", "lloyds": false, "slug": "guild-insurance", "apra": { "status": "authorised", "name": "Guild 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": "233791", "name": "GUILD INSURANCE LIMITED", "abn": "55004538863", "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" }, "general_insurance": true, "disagreements": [] } } ] } ], "quotes": { "underwriter": { "text": "Guild Insurance Limited trading as Acerta (Guild) ABN 55 004 538 863 is the insurer.", "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Guild Insurance Limited trading as Acerta (Guild) ABN 55 004 538 863 is the insurer.", "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf#page=3", "page": 3, "document_sha256": "ceba6bc8bfba0e147c1706a042597cd95b41c9aa1f90b94c7e8bbc793d499b75", "confirmed": "2026-11-13" } }, "distributor": { "text": "360 Landlords Pty Ltd (ABN 99 634 062 972) as an authorised representative (AR 1288284) of 360 Underwriting Solutions Pty Ltd (360uw) ABN 18 120 261 27, AFSL 319181", "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "360 Landlords Pty Ltd (ABN 99 634 062 972) as an authorised representative (AR 1288284) of 360 Underwriting Solutions Pty Ltd (360uw) ABN 18 120 261 27, AFSL 319181", "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf#page=2", "page": 2, "document_sha256": "ceba6bc8bfba0e147c1706a042597cd95b41c9aa1f90b94c7e8bbc793d499b75", "confirmed": "2026-11-13" } } }, "curation_notes": "Marketed via Howden Australia (an insurance broker); the PDS names 360 Landlords as the distributor. The PDS prints 360 Underwriting's ABN as '18 120 261 27' on the front page and '18 120 261 270' in the body. Channel is a judgement (online portal plus real estate agents).", "segments": [ "residential" ], "issuers": [ { "name": "Guild Insurance Limited", "abn": "55004538863", "afsl": "233791", "lloyds": false, "slug": "guild-insurance", "apra": { "status": "authorised", "name": "Guild 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": "233791", "name": "GUILD INSURANCE LIMITED", "abn": "55004538863", "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" }, "general_insurance": true, "disagreements": [] } } ], "distributor_licence": { "afsl": "319181", "name": "360 UNDERWRITING SOLUTIONS PTY LTD", "abn": "18120261270", "acn": null, "licensed_since": "2008-03-07", "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" } }, "page": "https://deepalmanac.com/au/insurance/building/realtyprotect/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/realtyprotect.json" }, { "slug": "shannons", "name": "Shannons", "website": "https://www.shannons.com.au/", "kind": "brand", "underwriter": "AAI Limited", "underwriter_abn": "48005297807", "underwriter_afsl": "230859", "lloyds": false, "distributor": { "name": "Shannons Pty Limited", "abn": "91099692636", "afsl": null, "authorised_representative_no": "239594" }, "products": [ { "name": "Shannons Home & Contents Insurance with Enthusiast Cover (home building cover)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": "Owner-occupied homes for genuine motoring enthusiasts; not for properties rented to tenants or strata/body corporate buildings.", "states": null, "documents": [ { "title": "Home & Contents Insurance with Enthusiast Cover Product Disclosure Statement (prepared 17 February 2025)", "url": "https://www.shannons.com.au/content/dam/suncorp/insurance/shannons/documents/policy-documents/home/shannons-home-contents-pds-sh02906-210625a.pdf", "date": "2025-02-17" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.shannons.com.au/content/dam/suncorp/insurance/shannons/documents/policy-documents/home/shannons-home-building-kfs-sh03202a-210625a.pdf", "date": "2025-02-17" }, { "title": "Target Market Determination - Home and Contents Insurance", "url": "https://www.shannons.com.au/content/dam/suncorp/insurance/shannons/documents/policy-documents/home/shannons-home-and-contents-insurance-tmd-lr-sh03318-27-06-25-a.pdf", "date": "2025-06-27" } ], "quotes": { "product": { "text": "Shannons can protect your home as well as your car with Home & Contents policies tailored to the motoring enthusiast.", "url": "https://www.shannons.com.au/home-insurance.html", "checked": { "status": "missing", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Shannons can protect your home as well as your car with Home & Contents policies tailored to the motoring enthusiast.", "url": "https://www.shannons.com.au/home-insurance.html#:~:text=Shannons%20can%20protect%20your%20home,tailored%20to%20the%20motoring%20enthusiast.", "document_sha256": "b30846b4726f21ad068b48877af61affd826967d74df04fdcf13bdb648ced1c9", "confirmed": "2026-11-12" } }, "channel": { "text": "Home and Contents Insurance Shannons can protect your home as well as your car with Home & Contents policies tailored to the motoring enthusiast. Get a quote", "url": "https://www.shannons.com.au/home-insurance.html", "checked": { "status": "missing", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Home and Contents Insurance Shannons can protect your home as well as your car with Home & Contents policies tailored to the motoring enthusiast. Get a quote", "url": "https://www.shannons.com.au/home-insurance.html#:~:text=Home%20and%20Contents%20Insurance%20Shannons,motoring%20enthusiast.%20Get%20a%20quote", "document_sha256": "b30846b4726f21ad068b48877af61affd826967d74df04fdcf13bdb648ced1c9", "confirmed": "2026-11-12" } }, "cover_basis": { "text": "Shannons will rebuild, replace or repair new for old regardless of age, or we will pay the assessed cost of doing so, up to the sum insured.", "url": "https://www.shannons.com.au/home-insurance.html", "checked": { "status": "missing", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Shannons will rebuild, replace or repair new for old regardless of age, or we will pay the assessed cost of doing so, up to the sum insured.", "url": "https://www.shannons.com.au/home-insurance.html#:~:text=Shannons%20will%20rebuild%2C%20replace%20or,up%20to%20the%20sum%20insured.", "document_sha256": "b30846b4726f21ad068b48877af61affd826967d74df04fdcf13bdb648ced1c9", "confirmed": "2026-11-12" } }, "flood": { "text": "Shannons Home & Contents Insurance includes automatic flood cover.", "url": "https://www.shannons.com.au/home-insurance.html", "checked": { "status": "missing", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Shannons Home & Contents Insurance includes automatic flood cover.", "url": "https://www.shannons.com.au/home-insurance.html#:~:text=Shannons%20Home%20%26%20Contents%20Insurance%20includes%20automatic%20flood%20cover.", "document_sha256": "b30846b4726f21ad068b48877af61affd826967d74df04fdcf13bdb648ced1c9", "confirmed": "2026-11-12" } }, "accidental_damage": { "text": "you can ask us to add accidental loss or damage cover to your policy for an extra premium.", "url": "https://www.shannons.com.au/home-insurance.html", "checked": { "status": "missing", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "you can ask us to add accidental loss or damage cover to your policy for an extra premium.", "url": "https://www.shannons.com.au/home-insurance.html#:~:text=you%20can%20ask%20us%20to,policy%20for%20an%20extra%20premium.", "document_sha256": "b30846b4726f21ad068b48877af61affd826967d74df04fdcf13bdb648ced1c9", "confirmed": "2026-11-12" } }, "eligibility": { "text": "Shannons products are also targeted at customers who qualify as genuine motoring enthusiasts.", "url": "https://www.shannons.com.au/content/dam/suncorp/insurance/shannons/documents/policy-documents/home/shannons-home-and-contents-insurance-tmd-lr-sh03318-27-06-25-a.pdf", "checked": { "status": "unreachable", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Shannons products are also targeted at customers who qualify as genuine motoring enthusiasts.", "url": "https://www.shannons.com.au/content/dam/suncorp/insurance/shannons/documents/policy-documents/home/shannons-home-and-contents-insurance-tmd-lr-sh03318-27-06-25-a.pdf#page=2", "page": 2, "document_sha256": "1ce2c055e3c627edc0a29a05ef32d993230b5a3eaaac0e5c42219c07839c61a9", "confirmed": "2026-11-12" } }, "unoccupied": { "text": "We don’t cover loss or damage if your home or unit hasn’t been occupied for 60 continuous days or more at the time of the insured event.", "url": "https://www.shannons.com.au/content/dam/suncorp/insurance/shannons/documents/policy-documents/home/shannons-home-contents-pds-sh02906-210625a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We don’t cover loss or damage if your home or unit hasn’t been occupied for 60 continuous days or more at the time of the insured event.", "url": "https://www.shannons.com.au/content/dam/suncorp/insurance/shannons/documents/policy-documents/home/shannons-home-contents-pds-sh02906-210625a.pdf#page=36", "page": 36, "document_sha256": "f348096050a4ad7305ca7852ecda096967cbc88739a5e8ecb076f6419a841719", "confirmed": "2026-11-13" } } }, "conditions": [ "Accidental loss or damage cover is an optional extra and the PDS says it is not available when you lease your home under a rental agreement.", "Sum insured basis; no Safety Net-style buffer found in the PDS." ], "unoccupied": { "days": 60, "effect": "reduced_cover", "excess": null, "excluded_events": null, "still_covered": "storm, storm surge, flood, lightning, earthquake and tsunami, riot, impact", "must_tell": true, "conditions": "Unless you had written consent and paid any extra premium. Occupied means furnished to live in, someone eating and sleeping there, and utilities connected.", "then": null, "label": "Some events not covered after 60 days" }, "id": "home-contents-insurance-with-enthusiast-cover-home-building-cover", "type_label": "Home building", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "Shannons Pty Limited ABN 91 099 692 636 (Shannons) is an authorised representative of AAI Limited ABN 48 005 297 807 (AAI), the issuer of car and home and contents insurance.", "url": "https://www.shannons.com.au/home-insurance.html", "checked": { "status": "missing", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Shannons Pty Limited ABN 91 099 692 636 (Shannons) is an authorised representative of AAI Limited ABN 48 005 297 807 (AAI), the issuer of car and home and contents insurance.", "url": "https://www.shannons.com.au/home-insurance.html#:~:text=Shannons%20Pty%20Limited%20ABN%2091,and%20home%20and%20contents%20insurance.", "document_sha256": "b30846b4726f21ad068b48877af61affd826967d74df04fdcf13bdb648ced1c9", "confirmed": "2026-11-12" } }, "distributor": { "text": "Shannons Pty Limited ABN 91 099 692 636, authorised representative No. 239594, acts as an authorised representative of AAI.", "url": "https://www.shannons.com.au/content/dam/suncorp/insurance/shannons/documents/policy-documents/home/shannons-home-and-contents-insurance-tmd-lr-sh03318-27-06-25-a.pdf", "checked": { "status": "unreachable", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Shannons Pty Limited ABN 91 099 692 636, authorised representative No. 239594, acts as an authorised representative of AAI.", "url": "https://www.shannons.com.au/content/dam/suncorp/insurance/shannons/documents/policy-documents/home/shannons-home-and-contents-insurance-tmd-lr-sh03318-27-06-25-a.pdf#page=2", "page": 2, "document_sha256": "1ce2c055e3c627edc0a29a05ef32d993230b5a3eaaac0e5c42219c07839c61a9", "confirmed": "2026-11-12" } } }, "curation_notes": "Shannons (motoring-enthusiast brand) sells Home & Contents only, no landlord product. Its old URL /insurance/home-insurance.html returns 404; the live page is /home-insurance.html. On 2026-10-18 the page reworded its issuer sentence; the issuer is still AAI Limited.", "segments": [ "residential" ], "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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/shannons/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/shannons.json" }, { "slug": "st-george", "name": "St.George", "website": "https://www.stgeorge.com.au/", "kind": "brand", "underwriter": "Allianz Australia Insurance Limited", "underwriter_abn": "15000122850", "underwriter_afsl": "234708", "lloyds": false, "distributor": { "name": "Westpac Banking Corporation (St.George, a division)", "abn": "33007457141", "afsl": "233714", "authorised_representative_no": null }, "products": [ { "name": "St.George Home Insurance (home and contents policy, building cover)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Home & Contents Insurance Product Disclosure Statement", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-home-contents-insurance-pds.pdf", "date": "2021-11-21" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-home-building-kfs.pdf", "date": "2021-09-01" } ], "quotes": { "product": { "text": "Compare St.George's award-winning Home Insurance, provided by Allianz.", "url": "https://www.stgeorge.com.au/personal/insurance/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Compare St.George's award-winning Home Insurance, provided by Allianz.", "url": "https://www.stgeorge.com.au/personal/insurance/home-insurance#:~:text=Compare%20St.George%27s%20award%2Dwinning%20Home%20Insurance%2C%20provided%20by%20Allianz.", "document_sha256": "c59734b4a4711d605dd75267eeb98230fb8ceb5ed5e8970706592d862929efbb", "confirmed": "2026-11-13" } }, "channel": { "text": "Tailor your cover and get a quote in minutes, with pre-filled details to make it even easier when you sign in.", "url": "https://www.stgeorge.com.au/personal/insurance/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Tailor your cover and get a quote in minutes, with pre-filled details to make it even easier when you sign in.", "url": "https://www.stgeorge.com.au/personal/insurance/home-insurance#:~:text=Tailor%20your%20cover%20and%20get,easier%20when%20you%20sign%20in.", "document_sha256": "c59734b4a4711d605dd75267eeb98230fb8ceb5ed5e8970706592d862929efbb", "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://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-home-building-kfs.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://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-home-building-kfs.pdf#page=1", "page": 1, "document_sha256": "efc0973ad837eca67df5db53cec9a23b798d6c90f716947685c4c35c5cbb65fd", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood Yes Not covered for loss or damage caused by or arising out of flood (or flood water combined with run-off and rainwater) if such loss or damage occurs within 72 hours after you first take out or increase the cover under the policy.", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-home-building-kfs.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood Yes Not covered for loss or damage caused by or arising out of flood (or flood water combined with run-off and rainwater) if such loss or damage occurs within 72 hours after you first take out or increase the cover under the policy.", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-home-building-kfs.pdf#page=1", "page": 1, "document_sha256": "efc0973ad837eca67df5db53cec9a23b798d6c90f716947685c4c35c5cbb65fd", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Optional covers You can also upgrade your policy to include cover for: Accidental damage", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-home-contents-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Optional covers You can also upgrade your policy to include cover for: Accidental damage", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-home-contents-insurance-pds.pdf#page=7", "page": 7, "document_sha256": "834f4be8e8ea7d0332f37613ead8886271ceb79442c2c4988243d74f11282a6b", "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.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-home-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.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-home-contents-insurance-pds.pdf#page=56", "page": 56, "document_sha256": "834f4be8e8ea7d0332f37613ead8886271ceb79442c2c4988243d74f11282a6b", "confirmed": "2026-11-13" } } }, "conditions": [ "Flood is an insured event, with a 72-hour wait after you first take out or increase cover.", "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-insurance-home-and-contents-policy-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": "St.George Landlord Insurance (building cover)", "type": "landlord", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Landlord Insurance Product Disclosure Statement", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-landlord-insurance-pds.pdf", "date": "2021-11-21" }, { "title": "Key Facts Sheet - Landlord Building", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-landlord-building-kfs.pdf", "date": "2021-09-01" } ], "quotes": { "product": { "text": "Landlord Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-landlord-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Landlord Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-landlord-insurance-pds.pdf#page=2", "page": 2, "document_sha256": "119f5172b6e5d6df8120d523fb02d5df331781311e29b8acd4985177b11fa56a", "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://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-landlord-building-kfs.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://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-landlord-building-kfs.pdf#page=1", "page": 1, "document_sha256": "15d26989f128942a20c56f0121a9126333fc9e6ff8389d2f88bad6e5d0669cac", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood Yes Not covered for loss or damage caused by or arising out of flood (or flood water combined with run-off and rainwater) if such loss or damage occurs within 72 hours after you first take out or increase the cover under the policy.", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-landlord-building-kfs.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood Yes Not covered for loss or damage caused by or arising out of flood (or flood water combined with run-off and rainwater) if such loss or damage occurs within 72 hours after you first take out or increase the cover under the policy.", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-landlord-building-kfs.pdf#page=1", "page": 1, "document_sha256": "15d26989f128942a20c56f0121a9126333fc9e6ff8389d2f88bad6e5d0669cac", "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.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-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.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-landlord-insurance-pds.pdf#page=54", "page": 54, "document_sha256": "119f5172b6e5d6df8120d523fb02d5df331781311e29b8acd4985177b11fa56a", "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": "Home & Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-home-contents-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Home & Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-home-contents-insurance-pds.pdf#page=2", "page": 2, "document_sha256": "834f4be8e8ea7d0332f37613ead8886271ceb79442c2c4988243d74f11282a6b", "confirmed": "2026-11-13" } }, "distributor": { "text": "Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 arranges the insurance, but does not guarantee the insurance.", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-home-contents-insurance-pds.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 arranges the insurance, but does not guarantee the insurance.", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/insurance/stg-home-contents-insurance-pds.pdf#page=2", "page": 2, "document_sha256": "834f4be8e8ea7d0332f37613ead8886271ceb79442c2c4988243d74f11282a6b", "confirmed": "2026-11-13" } } }, "curation_notes": "The PDS and key facts sheets on the Westpac Group sites read as 2021 documents (PDS effective 21 November 2021, key facts sheets prepared 1 September 2021) although the page labels them as applying to policies from 21 December 2025 and a pre-21Dec2025 copy is also linked. Westpac, St.George, Bank of Melbourne and BankSA all use the same Allianz policy.", "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": "233714", "name": "WESTPAC BANKING CORPORATION", "abn": "33007457141", "acn": null, "licensed_since": "2004-02-09", "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" } }, "page": "https://deepalmanac.com/au/insurance/building/st-george/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/st-george.json" }, { "slug": "strata-community-insurance", "name": "Strata Community Insurance (SCI)", "website": "https://stratacommunityinsure.com.au/", "kind": "underwriting_agency", "underwriter": "Allianz Australia Insurance Limited", "underwriter_abn": "15000122850", "underwriter_afsl": "234708", "lloyds": false, "distributor": { "name": "Strata Community Insurance Agencies Pty Limited", "abn": "72165914009", "afsl": "457787", "authorised_representative_no": null }, "products": [ { "name": "Strata Community Insurance - Residential Strata", "type": "residential_strata", "segment": "residential", "channel": "both", "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "eligibility": "Owners corporations of residential strata, unit or community title schemes (and company title / build-to-rent property).", "states": null, "documents": [ { "title": "Strata Insurance PDS & Policy Wording (effective 1 April 2026)", "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/PDS-Strata-Insurance-Policy-SCI-PPW-042026.pdf", "date": "2026-04-01" }, { "title": "TMD - Strata: Loss or Damage Cover and Voluntary Workers Cover (1 April 2026)", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDAGSTT0500426/$FILE/TMDAG_STT050.pdf", "date": "2026-04-01" }, { "title": "Key Changes Summary", "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/KeyChangesSummary-SCI-KCS-042026.pdf", "date": null } ], "quotes": { "product": { "text": "Strata Community Insurance provides residential strata insurance backed by Allianz Australia Insurance Limited", "url": "https://stratacommunityinsure.com.au/get-insurance/residential/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Strata Community Insurance provides residential strata insurance backed by Allianz Australia Insurance Limited", "url": "https://stratacommunityinsure.com.au/get-insurance/residential/#:~:text=Strata%20Community%20Insurance%20provides%20residential,by%20Allianz%20Australia%20Insurance%20Limited", "document_sha256": "3a42201f9e41494c475b70a00b0b6789b10f95d7bd8b7bba17fd4cb5c657fa34", "confirmed": "2026-11-13" } }, "channel": { "text": "The Product under this TMD may be distributed through any of the following means: • online through relevant websites • other third party distributors and brokers", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDAGSTT0500426/$FILE/TMDAG_STT050.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Product under this TMD may be distributed through any of the following means: • online through relevant websites • other third party distributors and brokers", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDAGSTT0500426/$FILE/TMDAG_STT050.pdf#page=6", "page": 6, "document_sha256": "b31771f66bfd3c7d9bbd967232af591d6dd6b1de6619b9eb8b392ab4959bf447", "confirmed": "2026-11-13" } }, "flood": { "text": "If Flood is shown as included on Your Schedule, We will pay, for Loss or Damage caused by Flood which happens during the Period of Insurance.", "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/PDS-Strata-Insurance-Policy-SCI-PPW-042026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If Flood is shown as included on Your Schedule, We will pay, for Loss or Damage caused by Flood which happens during the Period of Insurance.", "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/PDS-Strata-Insurance-Policy-SCI-PPW-042026.pdf#page=31", "page": 31, "document_sha256": "18afc8999799a4780152019cae4c5c033b600b0d5cdd0ed3448635ab524a36b8", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Residential strata insurance is coverage designed to protect residential properties including apartments, units, and townhouses.", "url": "https://stratacommunityinsure.com.au/get-insurance/residential/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Residential strata insurance is coverage designed to protect residential properties including apartments, units, and townhouses.", "url": "https://stratacommunityinsure.com.au/get-insurance/residential/#:~:text=Residential%20strata%20insurance%20is%20coverage,including%20apartments%2C%20units%2C%20and%20townhouses.", "document_sha256": "3a42201f9e41494c475b70a00b0b6789b10f95d7bd8b7bba17fd4cb5c657fa34", "confirmed": "2026-11-13" } } }, "conditions": [ "The same PDS and policy wording is published for residential and commercial strata." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "residential-strata", "type_label": "Residential strata", "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": "Strata Community Insurance - Commercial Strata", "type": "commercial_strata", "segment": "commercial", "channel": "both", "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "eligibility": "Strata schemes with commercial tenancies where the commercial floor space ratio is 20% or greater, including mixed-use schemes with residential units.", "states": null, "documents": [ { "title": "Strata Insurance PDS & Policy Wording (effective 1 April 2026)", "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/PDS-Strata-Insurance-Policy-SCI-PPW-042026.pdf", "date": "2026-04-01" }, { "title": "TMD - Strata: Loss or Damage Cover and Voluntary Workers Cover (1 April 2026)", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDAGSTT0500426/$FILE/TMDAG_STT050.pdf", "date": "2026-04-01" }, { "title": "Key Changes Summary", "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/KeyChangesSummary-SCI-KCS-042026.pdf", "date": null } ], "quotes": { "product": { "text": "Commercial Strata Insurance is designed for strata properties that include commercial tenancies such as shops, restaurants, cafes, or offices", "url": "https://stratacommunityinsure.com.au/get-insurance/commercial/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Commercial Strata Insurance is designed for strata properties that include commercial tenancies such as shops, restaurants, cafes, or offices", "url": "https://stratacommunityinsure.com.au/get-insurance/commercial/#:~:text=Commercial%20Strata%20Insurance%20is%20designed,shops%2C%20restaurants%2C%20cafes%2C%20or%20offices", "document_sha256": "616b14a305a9cd0cc4c745ed1e06d43a6e3414f837bb784fdd1a1b8749fe32a3", "confirmed": "2026-11-13" } }, "channel": { "text": "The Product under this TMD may be distributed through any of the following means: • online through relevant websites • other third party distributors and brokers", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDAGSTT0500426/$FILE/TMDAG_STT050.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Product under this TMD may be distributed through any of the following means: • online through relevant websites • other third party distributors and brokers", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDAGSTT0500426/$FILE/TMDAG_STT050.pdf#page=6", "page": 6, "document_sha256": "b31771f66bfd3c7d9bbd967232af591d6dd6b1de6619b9eb8b392ab4959bf447", "confirmed": "2026-11-13" } }, "flood": { "text": "If Flood is shown as included on Your Schedule, We will pay, for Loss or Damage caused by Flood which happens during the Period of Insurance.", "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/PDS-Strata-Insurance-Policy-SCI-PPW-042026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If Flood is shown as included on Your Schedule, We will pay, for Loss or Damage caused by Flood which happens during the Period of Insurance.", "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/PDS-Strata-Insurance-Policy-SCI-PPW-042026.pdf#page=31", "page": 31, "document_sha256": "18afc8999799a4780152019cae4c5c033b600b0d5cdd0ed3448635ab524a36b8", "confirmed": "2026-11-13" } }, "eligibility": { "text": "where the commercial floor space ratio for the scheme is 20% or greater.", "url": "https://stratacommunityinsure.com.au/get-insurance/commercial/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "where the commercial floor space ratio for the scheme is 20% or greater.", "url": "https://stratacommunityinsure.com.au/get-insurance/commercial/#:~:text=where%20the%20commercial%20floor%20space,scheme%20is%2020%25%20or%20greater.", "document_sha256": "616b14a305a9cd0cc4c745ed1e06d43a6e3414f837bb784fdd1a1b8749fe32a3", "confirmed": "2026-11-13" } } }, "conditions": [], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "commercial-strata", "type_label": "Commercial strata", "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": "The Policy is insured by Allianz Australia Insurance Limited, ABN 15 000 122 850, AFS Licence No. 234708", "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/PDS-Strata-Insurance-Policy-SCI-PPW-042026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Policy is insured by Allianz Australia Insurance Limited, ABN 15 000 122 850, AFS Licence No. 234708", "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/PDS-Strata-Insurance-Policy-SCI-PPW-042026.pdf#page=5", "page": 5, "document_sha256": "18afc8999799a4780152019cae4c5c033b600b0d5cdd0ed3448635ab524a36b8", "confirmed": "2026-11-13" } }, "distributor": { "text": "issued by Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence No. 234708 (the Issuer) through its underwriting agent Strata Community Insurance Agencies Pty Limited ABN 72 165 914 009, AFS Licence No. 457787", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDAGSTT0500426/$FILE/TMDAG_STT050.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "issued by Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence No. 234708 (the Issuer) through its underwriting agent Strata Community Insurance Agencies Pty Limited ABN 72 165 914 009, AFS Licence No. 457787", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDAGSTT0500426/$FILE/TMDAG_STT050.pdf#page=1", "page": 1, "document_sha256": "b31771f66bfd3c7d9bbd967232af591d6dd6b1de6619b9eb8b392ab4959bf447", "confirmed": "2026-11-13" } } }, "curation_notes": "Allianz's own strata page points to SCI as its strata partner, so Allianz has no separate direct strata product. Also has Community Association products (not listed). Channel 'both' from the TMD, which lists online distribution plus third-party distributors and brokers.", "segments": [ "residential", "commercial" ], "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": "457787", "name": "STRATA COMMUNITY INSURANCE AGENCIES PTY LTD", "abn": "72165914009", "acn": null, "licensed_since": "2014-07-01", "locality": "North Sydney NSW 2060", "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/strata-community-insurance/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/strata-community-insurance.json" }, { "slug": "suu", "name": "Strata Unit Underwriters (SUU)", "website": "https://www.suu.com.au/", "kind": "underwriting_agency", "underwriter": "CGU Australia Pty Ltd", "underwriter_abn": "62004478960", "underwriter_afsl": "700014", "lloyds": false, "distributor": { "name": "Strata Unit Underwriting Agency Pty Limited (corporate authorised representative of Austagencies Pty Ltd)", "abn": "30089201534", "afsl": "244584", "authorised_representative_no": "1315935" }, "products": [ { "name": "SUU Residential Strata Insurance", "type": "residential_strata", "segment": "residential", "channel": "broker", "online_quote": true, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "eligibility": "Strata-titled or similar entities responsible for insuring a predominantly residential building; not for individual lot owners.", "states": null, "documents": [ { "title": "Residential Strata Insurance Policy Wording (10-2025)", "url": "https://www.suu.com.au/app/uploads/2026/04/Residential-Strata-Insurance-Policy-Wording-10-2025.pdf", "date": "2025-10-01" }, { "title": "Residential Strata Policy Overview (07-2025)", "url": "https://www.suu.com.au/app/uploads/2026/04/Residential-Strata-Insurance-Policy-Overview-07-2025.pdf", "date": "2025-07-01" }, { "title": "Target Market Determination TMDRS001 REV3 (effective 1 October 2025)", "url": "https://www.suu.com.au/app/uploads/2026/04/TMDRS001_REV3_1025-Residential-Strata.pdf", "date": "2025-10-01" } ], "quotes": { "product": { "text": "SUU’s residential strata cover is designed to protect you with comprehensive sections and practical benefits that support confidence in strata living.", "url": "https://www.suu.com.au/residential-strata/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "SUU’s residential strata cover is designed to protect you with comprehensive sections and practical benefits that support confidence in strata living.", "url": "https://www.suu.com.au/residential-strata/#:~:text=SUU%E2%80%99s%20residential%20strata%20cover%20is,support%20confidence%20in%20strata%20living.", "document_sha256": "da6919e1b19798635da763bde761b51d6dadd07040992c4b7bda52a52a17a204", "confirmed": "2026-11-13" } }, "channel": { "text": "SUU Online is introduced to support intermediaries with online quoting and access to key information when dealing with SUU.", "url": "https://www.suu.com.au/about/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "SUU Online is introduced to support intermediaries with online quoting and access to key information when dealing with SUU.", "url": "https://www.suu.com.au/about/#:~:text=SUU%20Online%20is%20introduced%20to,information%20when%20dealing%20with%20SUU.", "document_sha256": "9e45da54bb324fad7f95b3ff1d759020390e398872cec9c5f6b1c229da3895ec", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood cover considered on request", "url": "https://www.suu.com.au/residential-strata/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood cover considered on request", "url": "https://www.suu.com.au/residential-strata/#:~:text=Flood%20cover%20considered%20on%20request", "document_sha256": "da6919e1b19798635da763bde761b51d6dadd07040992c4b7bda52a52a17a204", "confirmed": "2026-11-13" } }, "eligibility": { "text": "The Building is used predominantly for residential purposes", "url": "https://www.suu.com.au/app/uploads/2026/04/TMDRS001_REV3_1025-Residential-Strata.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Building is used predominantly for residential purposes", "url": "https://www.suu.com.au/app/uploads/2026/04/TMDRS001_REV3_1025-Residential-Strata.pdf#page=1", "page": 1, "document_sha256": "1f4635f7d33ccac9d238d968b1abde547e8351586dededf470083f7aa4dfcefa", "confirmed": "2026-11-13" } } }, "conditions": [ "Flood is not standard: 'considered on request' (TMD: 'flood (subject to availability)')." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "residential-strata-insurance", "type_label": "Residential strata", "issuers": [ { "name": "CGU Australia Pty Ltd", "abn": "62004478960", "afsl": "700014", "lloyds": false, "slug": "cgu-australia", "apra": { "status": "authorised", "name": "CGU Australia Pty Ltd", "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": "700014", "name": "CGU AUSTRALIA PTY LTD", "abn": "62004478960", "acn": null, "licensed_since": "2025-05-09", "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" }, "general_insurance": true, "disagreements": [] } } ] }, { "name": "SUU Commercial Strata Insurance", "type": "commercial_strata", "segment": "commercial", "channel": "broker", "online_quote": true, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "eligibility": "Commercial, office, retail and mixed-use strata within SUU's underwriting guidelines; industrial strata complexes no longer offered.", "states": null, "documents": [ { "title": "Commercial Strata Insurance Policy Wording (10-2025)", "url": "https://www.suu.com.au/app/uploads/2026/04/Commercial-Strata-Insurance-Policy-Wording-10-2025.pdf", "date": "2025-10-01" }, { "title": "Commercial/Residential Strata Policy Overview (07-2025)", "url": "https://www.suu.com.au/app/uploads/2026/04/SUU_CommStrataandResStrata_PolicyOverview2025-07-2025.pdf", "date": "2025-07-01" }, { "title": "Target Market Determination TMDCS001 REV4 (effective 19 December 2025)", "url": "https://www.suu.com.au/app/uploads/2026/04/TMDCS001_rev4.pdf", "date": "2025-12-19" } ], "quotes": { "product": { "text": "SUU’s specialised strata insurance products are uniquely designed to provide superior, comprehensive insurance coverage to promote peace of mind in strata ownership.", "url": "https://www.suu.com.au/commercial-strata/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "SUU’s specialised strata insurance products are uniquely designed to provide superior, comprehensive insurance coverage to promote peace of mind in strata ownership.", "url": "https://www.suu.com.au/commercial-strata/#:~:text=SUU%E2%80%99s%20specialised%20strata%20insurance%20products,of%20mind%20in%20strata%20ownership.", "document_sha256": "eaba3fa80a9b67cd3a2f46979f8241d85bd985f8d1c1594e46e9c79fbb20c3a2", "confirmed": "2026-11-13" } }, "channel": { "text": "SUU Online is introduced to support intermediaries with online quoting and access to key information when dealing with SUU.", "url": "https://www.suu.com.au/about/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "SUU Online is introduced to support intermediaries with online quoting and access to key information when dealing with SUU.", "url": "https://www.suu.com.au/about/#:~:text=SUU%20Online%20is%20introduced%20to,information%20when%20dealing%20with%20SUU.", "document_sha256": "9e45da54bb324fad7f95b3ff1d759020390e398872cec9c5f6b1c229da3895ec", "confirmed": "2026-11-13" } }, "flood": { "text": "Storm surge cover resultant from named cyclone (flood cover considered on request)", "url": "https://www.suu.com.au/commercial-strata/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Storm surge cover resultant from named cyclone (flood cover considered on request)", "url": "https://www.suu.com.au/commercial-strata/#:~:text=Storm%20surge%20cover%20resultant%20from,%28flood%20cover%20considered%20on%20request%29", "document_sha256": "eaba3fa80a9b67cd3a2f46979f8241d85bd985f8d1c1594e46e9c79fbb20c3a2", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Please note SUU no longer offers insurance policies for industrial strata complexes. We do continue to provide quotes and renewals for all other commercial strata, offices, retail and mix use strata policies that fall within our underwriting guidelines.", "url": "https://www.suu.com.au/commercial-strata/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Please note SUU no longer offers insurance policies for industrial strata complexes. We do continue to provide quotes and renewals for all other commercial strata, offices, retail and mix use strata policies that fall within our underwriting guidelines.", "url": "https://www.suu.com.au/commercial-strata/#:~:text=Please%20note%20SUU%20no%20longer,fall%20within%20our%20underwriting%20guidelines.", "document_sha256": "eaba3fa80a9b67cd3a2f46979f8241d85bd985f8d1c1594e46e9c79fbb20c3a2", "confirmed": "2026-11-13" } } }, "conditions": [], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "commercial-strata-insurance", "type_label": "Commercial strata", "issuers": [ { "name": "CGU Australia Pty Ltd", "abn": "62004478960", "afsl": "700014", "lloyds": false, "slug": "cgu-australia", "apra": { "status": "authorised", "name": "CGU Australia Pty Ltd", "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": "700014", "name": "CGU AUSTRALIA PTY LTD", "abn": "62004478960", "acn": null, "licensed_since": "2025-05-09", "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" }, "general_insurance": true, "disagreements": [] } } ] } ], "quotes": { "underwriter": { "text": "Insurance is issued by Strata Unit Underwriting Agency Pty Limited ABN 30 089 201 534 as a corporate authorised representative (No 1315935) of Austagencies Pty Ltd AFSL 244584 under authority from CGU Australia Pty Ltd ABN 62 004 478 960 AFSL 700014 trading as CGU Insurance.", "url": "https://www.suu.com.au/about/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Insurance is issued by Strata Unit Underwriting Agency Pty Limited ABN 30 089 201 534 as a corporate authorised representative (No 1315935) of Austagencies Pty Ltd AFSL 244584 under authority from CGU Australia Pty Ltd ABN 62 004 478 960 AFSL 700014 trading as CGU Insurance.", "url": "https://www.suu.com.au/about/#:~:text=Insurance%20is%20issued%20by%20Strata,700014%20trading%20as%20CGU%20Insurance.", "document_sha256": "9e45da54bb324fad7f95b3ff1d759020390e398872cec9c5f6b1c229da3895ec", "confirmed": "2026-11-13" } }, "distributor": { "text": "Insurance is issued by Strata Unit Underwriting Agency Pty Limited ABN 30 089 201 534 as a corporate authorised representative (No 1315935) of Austagencies Pty Ltd AFSL 244584 under authority from CGU Australia Pty Ltd ABN 62 004 478 960 AFSL 700014 trading as CGU Insurance.", "url": "https://www.suu.com.au/about/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Insurance is issued by Strata Unit Underwriting Agency Pty Limited ABN 30 089 201 534 as a corporate authorised representative (No 1315935) of Austagencies Pty Ltd AFSL 244584 under authority from CGU Australia Pty Ltd ABN 62 004 478 960 AFSL 700014 trading as CGU Insurance.", "url": "https://www.suu.com.au/about/#:~:text=Insurance%20is%20issued%20by%20Strata,700014%20trading%20as%20CGU%20Insurance.", "document_sha256": "9e45da54bb324fad7f95b3ff1d759020390e398872cec9c5f6b1c229da3895ec", "confirmed": "2026-11-13" } } }, "curation_notes": "Formerly an IAG business; sold to AUB Group in 2022 and capacity still provided by CGU (IAG). Website has a broker portal (SUU Online); channel treated as broker. The footer says the policy is issued under authority from CGU Australia Pty Ltd, and the TMDs name CGU as issuer.", "segments": [ "residential", "commercial" ], "issuers": [ { "name": "CGU Australia Pty Ltd", "abn": "62004478960", "afsl": "700014", "lloyds": false, "slug": "cgu-australia", "apra": { "status": "authorised", "name": "CGU Australia Pty Ltd", "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": "700014", "name": "CGU AUSTRALIA PTY LTD", "abn": "62004478960", "acn": null, "licensed_since": "2025-05-09", "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" }, "general_insurance": true, "disagreements": [] } } ], "distributor_licence": { "afsl": "244584", "name": "AUSTAGENCIES PTY LTD", "abn": "76006090464", "acn": null, "licensed_since": "2004-03-10", "locality": "North Sydney NSW 2060", "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/suu/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/suu.json" }, { "slug": "suncorp-insurance", "name": "Suncorp Insurance", "website": "https://www.suncorp.com.au/insurance/", "kind": "brand", "underwriter": "AAI Limited", "underwriter_abn": "48005297807", "underwriter_afsl": "230859", "lloyds": false, "distributor": null, "products": [ { "name": "Suncorp Home & Contents Insurance (home cover)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured_buffer", "buffer_percent": 25, "flood": "included", "accidental_damage": "optional", "levels": [ "Classic", "Classic Extras", "Classic Advantages" ], "eligibility": "Owner-occupiers using the home as their principal residence or holiday home (free-standing homes, townhouses, terraces, duplexes/triplexes); not landlords or strata/body corporate buildings.", "states": null, "documents": [ { "title": "Home & Contents Insurance Product Disclosure Statement", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf", "date": "2025-01-31" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-building-kfs-27378a-24-05-25-a.pdf", "date": "2025-01-31" }, { "title": "Home and Contents Insurance Target Market Determination", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-tmd-31499-24-05-25-a.pdf", "date": null }, { "title": "Supplementary Product Disclosure Statement (accidental damage)", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-contents-spds-32462-18-08-26-a.pdf", "date": "2026-06-23" }, { "title": "Home & Contents Insurance Additional Information Guide", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-contents-aig-17245-03-10-26-a-lr.pdf", "date": "2026-10-03" } ], "quotes": { "product": { "text": "This policy provides cover for loss or damage to the home and contents.", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This policy provides cover for loss or damage to the home and contents.", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf#page=6", "page": 6, "document_sha256": "d0138c6610cd3bce7c25b83b7ceaa87adea87a4eaa182a73b57e732bc8ecd97d", "confirmed": "2026-11-13" } }, "channel": { "text": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: — websites; — contact centres;", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-tmd-31499-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: — websites; — contact centres;", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-tmd-31499-24-05-25-a.pdf#page=8", "page": 8, "document_sha256": "fc01a4b23fce8e49bf594d427f8b2f6fd2355a85f86d89ce1fc7dc17bc643226", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "If the cost to repair or rebuild loss or damage to your home covered by your policy exceeds the home sum insured, we’ll pay up to a further percentage of the home sum insured towards either:", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If the cost to repair or rebuild loss or damage to your home covered by your policy exceeds the home sum insured, we’ll pay up to a further percentage of the home sum insured towards either:", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf#page=75", "page": 75, "document_sha256": "d0138c6610cd3bce7c25b83b7ceaa87adea87a4eaa182a73b57e732bc8ecd97d", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood We cover Loss or damage caused by flood.", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood We cover Loss or damage caused by flood.", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf#page=42", "page": 42, "document_sha256": "d0138c6610cd3bce7c25b83b7ceaa87adea87a4eaa182a73b57e732bc8ecd97d", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "This cover is optional for the Classic level of cover and automatically included in the Classic Extras and Classic Advantages levels of cover.", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This cover is optional for the Classic level of cover and automatically included in the Classic Extras and Classic Advantages levels of cover.", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf#page=72", "page": 72, "document_sha256": "d0138c6610cd3bce7c25b83b7ceaa87adea87a4eaa182a73b57e732bc8ecd97d", "confirmed": "2026-11-13" } }, "eligibility": { "text": "are owner occupiers using the home as their principal place of residence primarily for domestic purposes or as a holiday home including:", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-tmd-31499-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "are owner occupiers using the home as their principal place of residence primarily for domestic purposes or as a holiday home including:", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-tmd-31499-24-05-25-a.pdf#page=6", "page": 6, "document_sha256": "fc01a4b23fce8e49bf594d427f8b2f6fd2355a85f86d89ce1fc7dc17bc643226", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the home or unit hasn’t been occupied for more than 60 continuous days.", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the home or unit hasn’t been occupied for more than 60 continuous days.", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf#page=18", "page": 18, "document_sha256": "d0138c6610cd3bce7c25b83b7ceaa87adea87a4eaa182a73b57e732bc8ecd97d", "confirmed": "2026-11-13" } }, "unoccupied_excess": { "text": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the home or unit hasn’t been occupied for more than 60 continuous days", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-contents-aig-17245-03-10-26-a-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the home or unit hasn’t been occupied for more than 60 continuous days", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-contents-aig-17245-03-10-26-a-lr.pdf#page=2", "page": 2, "document_sha256": "cb6c53aced3aadffd1407826c283ea2f246e802f02efab2f7cd43df467094f93", "confirmed": "2026-11-13" } } }, "conditions": [ "Home cover is sold inside the Home & Contents PDS; you can choose home cover, contents cover or both.", "Safety net home protection pays up to a further 25% of the home sum insured (30% on Classic Advantages) when repair or rebuild cost exceeds the sum insured. It is optional on Classic and automatically included on Classic Extras and Classic Advantages.", "Accidental damage at home is optional on Classic and automatically included on Classic Extras and Classic Advantages.", "Flood is listed as a standard insured event with no option in the PDS to remove it." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1000, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Occupied means furnished to live in, someone eating, sleeping and living there, and utilities connected; you may be asked to prove it.", "then": null, "label": "Extra $1,000 excess after 60 days" }, "id": "suncorp-home-contents-insurance-home-cover", "type_label": "Home building", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "Suncorp Landlord Insurance (property cover)", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "choice", "buffer_percent": 25, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": "Landlords who own an investment property rented to tenants as their permanent residence; not strata/body corporate buildings.", "states": null, "documents": [ { "title": "Landlord Insurance Product Disclosure Statement", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf", "date": "2025-01-31" }, { "title": "Landlord Insurance Target Market Determination", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-tmd-31501-24-05-25-a.pdf", "date": null }, { "title": "Landlord Insurance Supplementary Product Disclosure Statement", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-spds-32463-18-08-26-a.pdf", "date": "2026-06-23" }, { "title": "Landlord Insurance Additional Information Guide", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-aig-17360-03-10-26-a-lr.pdf", "date": "2026-10-03" } ], "quotes": { "product": { "text": "This policy provides cover for loss or damage to the property and contents when you’re a landlord and lease the property to tenants.", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This policy provides cover for loss or damage to the property and contents when you’re a landlord and lease the property to tenants.", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf#page=6", "page": 6, "document_sha256": "63fa76fc467c19a2bfe0ace19a69bb1fce8430a4166924fc4ba9355aa91bb724", "confirmed": "2026-11-13" } }, "channel": { "text": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: — websites; — contact centres;", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-tmd-31501-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: — websites; — contact centres;", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-tmd-31501-24-05-25-a.pdf#page=6", "page": 6, "document_sha256": "9faa26ba5ac0b900ed77a2363b12f91e4bbcbac719fe878850923cf287506b09", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Optional cover (These are covers that you pay extra for) 10 Page Motor burnout 76 Accidental damage at the property 78 Safety net protection (property cover only) 81", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Optional cover (These are covers that you pay extra for) 10 Page Motor burnout 76 Accidental damage at the property 78 Safety net protection (property cover only) 81", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf#page=10", "page": 10, "document_sha256": "63fa76fc467c19a2bfe0ace19a69bb1fce8430a4166924fc4ba9355aa91bb724", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood We cover Loss or damage caused by flood.", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood We cover Loss or damage caused by flood.", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf#page=47", "page": 47, "document_sha256": "63fa76fc467c19a2bfe0ace19a69bb1fce8430a4166924fc4ba9355aa91bb724", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Optional cover (These are covers that you pay extra for) 10 Page Motor burnout 76 Accidental damage at the property 78 Safety net protection (property cover only) 81", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Optional cover (These are covers that you pay extra for) 10 Page Motor burnout 76 Accidental damage at the property 78 Safety net protection (property cover only) 81", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf#page=10", "page": 10, "document_sha256": "63fa76fc467c19a2bfe0ace19a69bb1fce8430a4166924fc4ba9355aa91bb724", "confirmed": "2026-11-13" } }, "eligibility": { "text": "own an investment property and require cover for the building that is used as:", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-tmd-31501-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "own an investment property and require cover for the building that is used as:", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-tmd-31501-24-05-25-a.pdf#page=4", "page": 4, "document_sha256": "9faa26ba5ac0b900ed77a2363b12f91e4bbcbac719fe878850923cf287506b09", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the property or unit hasn’t been occupied for more than 60 continuous days.", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the property or unit hasn’t been occupied for more than 60 continuous days.", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf#page=20", "page": 20, "document_sha256": "63fa76fc467c19a2bfe0ace19a69bb1fce8430a4166924fc4ba9355aa91bb724", "confirmed": "2026-11-13" } }, "unoccupied_excess": { "text": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the property or unit hasn’t been occupied for more than 60 continuous days", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-aig-17360-03-10-26-a-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the property or unit hasn’t been occupied for more than 60 continuous days", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-aig-17360-03-10-26-a-lr.pdf#page=2", "page": 2, "document_sha256": "cad2fc3b95f1be5199b7e6e939f4410d01a0abe81981a06ecb6ed93616208ef5", "confirmed": "2026-11-13" } } }, "conditions": [ "Safety net protection (up to a further 25% of the property sum insured) is listed under 'Optional cover you can pay extra for' in the landlord PDS.", "Accidental damage at the property is an optional cover for an extra premium." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1000, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": "Occupied means furnished to live in, someone eating, sleeping and living there, and utilities connected; you may be asked to prove it.", "then": null, "label": "Extra $1,000 excess after 60 days" }, "id": "suncorp-landlord-insurance-property-cover", "type_label": "Landlord", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "Suncorp Insurance Strata Insurance", "type": "residential_strata", "segment": "residential", "channel": "direct", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "included", "accidental_damage": "included", "levels": [], "states": null, "documents": [ { "title": "Strata Insurance Product Disclosure Statement", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-pds-27877-24-05-25-a.pdf", "date": "2025-01-31" }, { "title": "Strata Insurance Target Market Determination", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-insurance-tmd-31503-25-06-25-a.pdf", "date": "2025-06-25" }, { "title": "Strata Insurance Additional Information Guide", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-aig-28052-24-05-25-a.pdf", "date": null } ], "quotes": { "product": { "text": "Strata Insurance covers residential buildings within a complex and common areas such as garages, sealed driveways, and fixed swimming pools.", "url": "https://www.suncorp.com.au/insurance/home/strata.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Strata Insurance covers residential buildings within a complex and common areas such as garages, sealed driveways, and fixed swimming pools.", "url": "https://www.suncorp.com.au/insurance/home/strata.html#:~:text=Strata%20Insurance%20covers%20residential%20buildings,driveways%2C%20and%20fixed%20swimming%20pools.", "document_sha256": "d6766002902626f044ffc3128f1900723c4304db046055e587928be57adfdb43", "confirmed": "2026-11-13" } }, "channel": { "text": "Call 13 11 55 for a quote", "url": "https://www.suncorp.com.au/insurance/home/strata.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Call 13 11 55 for a quote", "url": "https://www.suncorp.com.au/insurance/home/strata.html#:~:text=Call%2013%2011%2055%20for%20a%20quote", "document_sha256": "d6766002902626f044ffc3128f1900723c4304db046055e587928be57adfdb43", "confirmed": "2026-11-13" } }, "online_quote": { "text": "Call 13 11 55 for a quote", "url": "https://www.suncorp.com.au/insurance/home/strata.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Call 13 11 55 for a quote", "url": "https://www.suncorp.com.au/insurance/home/strata.html#:~:text=Call%2013%2011%2055%20for%20a%20quote", "document_sha256": "d6766002902626f044ffc3128f1900723c4304db046055e587928be57adfdb43", "confirmed": "2026-11-13" } }, "flood": { "text": "the insured incidents listed in this policy like storms, floods, and fires (including bushfire)", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-pds-27877-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "the insured incidents listed in this policy like storms, floods, and fires (including bushfire)", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-pds-27877-24-05-25-a.pdf#page=7", "page": 7, "document_sha256": "e71641440b2ba977a1c6c455eadbb2e15705832803558e95690af10f37bda0b1", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "accidental damage not caused by or arising from any of the insured incidents listed in this policy.", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-pds-27877-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "accidental damage not caused by or arising from any of the insured incidents listed in this policy.", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-pds-27877-24-05-25-a.pdf#page=7", "page": 7, "document_sha256": "e71641440b2ba977a1c6c455eadbb2e15705832803558e95690af10f37bda0b1", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Cover for loss or damage to an entire residential building that has multiple dwellings where it is for a body corporate, owners corporation, strata company or where there is no strata title entity, provided the owner owns the entire property", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-insurance-tmd-31503-25-06-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for loss or damage to an entire residential building that has multiple dwellings where it is for a body corporate, owners corporation, strata company or where there is no strata title entity, provided the owner owns the entire property", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-insurance-tmd-31503-25-06-25-a.pdf#page=3", "page": 3, "document_sha256": "cdc619517fe6ae51b4871a1b35531aec321c54a6c6d6b66cac116dd1d1a078a3", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "if at the time of the incident covered by your policy, 50% or more of the lots at the strata building at the insured address haven’t been occupied for a period of more than 60 continuous days.", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-pds-27877-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "if at the time of the incident covered by your policy, 50% or more of the lots at the strata building at the insured address haven’t been occupied for a period of more than 60 continuous days.", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-pds-27877-24-05-25-a.pdf#page=20", "page": 20, "document_sha256": "e71641440b2ba977a1c6c455eadbb2e15705832803558e95690af10f37bda0b1", "confirmed": "2026-11-13" } }, "unoccupied_excess": { "text": "The unoccupied excess is $1,000", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-aig-28052-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The unoccupied excess is $1,000", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-aig-28052-24-05-25-a.pdf#page=3", "page": 3, "document_sha256": "1450ef7b4415a116f955e12bf717f9323c73f7830d07b1fd40a8a8161fde9556", "confirmed": "2026-11-13" } } }, "eligibility": "Body corporates, owners corporations and strata companies (or an owner of a whole multi-dwelling residential building) wanting building and common property cover for small residential strata buildings.", "conditions": [ "Cover is for the strata building and common property, arranged by the body corporate, owners corporation or strata manager; it is not for individual unit owners' contents.", "Strata cover for flood, storm, storm surge and tsunami does not start until 72 hours after the policy begins (very limited exceptions)." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1000, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Applies only when 50% or more of the lots have not been occupied for more than 60 continuous days.", "then": null, "label": "Extra $1,000 excess after 60 days" }, "id": "strata-insurance", "type_label": "Residential strata", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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 insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859, trading as Suncorp Insurance", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859, trading as Suncorp Insurance", "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf#page=116", "page": 116, "document_sha256": "d0138c6610cd3bce7c25b83b7ceaa87adea87a4eaa182a73b57e732bc8ecd97d", "confirmed": "2026-11-13" } } }, "curation_notes": "PDSs prepared 31 January 2025; Supplementary PDSs prepared 23 June 2026 change only the accidental damage exclusion wording. Suncorp sells a single Home & Contents PDS covering home and contents under three levels; the Classic buffer is optional (25%), Classic Advantages 30%.", "segments": [ "residential" ], "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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/suncorp-insurance/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/suncorp-insurance.json" }, { "slug": "sure-insurance", "name": "Sure Insurance", "website": "https://sure-insurance.com.au/", "kind": "underwriting_agency", "underwriter": "Pacific International, The New India Assurance, Chubb and QBE (panel)", "underwriter_abn": null, "underwriter_afsl": null, "lloyds": false, "distributor": { "name": "Sure Insurance Pty Ltd", "abn": "72624109128", "afsl": "506378", "authorised_representative_no": null }, "segments": [ "residential" ], "products": [ { "name": "Sure Home and Contents Insurance (home building cover)", "type": "home_building", "segment": "residential", "channel": "both", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": "Homes (owner-occupied or rented out) in regional Queensland, excluding Greater Brisbane, Greater Gold Coast and Greater Sunshine Coast regions.", "states": [ "QLD" ], "documents": [ { "title": "Home and Contents Product Disclosure Statement PDS06/2025 (effective 1 August 2025)", "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf", "date": "2025-08-01" }, { "title": "Key Facts Sheet - Home Building (KFSB 2025-08-01)", "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-Insurance-Home-Key-Facts-Sheet-KFS-KFSB-2025-08-01-PDF.pdf", "date": "2025-08-01" }, { "title": "Target Market Determination - Home and Contents (effective 26 June 2026)", "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf", "date": "2026-06-26" }, { "title": "Important documents index", "url": "https://sure-insurance.com.au/important-documents/", "date": null } ], "quotes": { "product": { "text": "This Product Disclosure Statement (PDS) and any Supplementary PDS (SPDS) are important legal documents that contain details of your Sure Home and Contents Insurance policies.", "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This Product Disclosure Statement (PDS) and any Supplementary PDS (SPDS) are important legal documents that contain details of your Sure Home and Contents Insurance policies.", "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf#page=7", "page": 7, "document_sha256": "8c45984d5714c884024c7d62085ca64f5ffa5a0d4ea358f8850ba00d87a920bc", "confirmed": "2026-11-13" } }, "channel": { "text": "The product is designed to be purchased via: • the Sure Insurance Call Centre, by calling 1300 392 535; or • a Sure Authorised Insurance Broker (see our website for details).", "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The product is designed to be purchased via: • the Sure Insurance Call Centre, by calling 1300 392 535; or • a Sure Authorised Insurance Broker (see our website for details).", "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf#page=5", "page": 5, "document_sha256": "dc9fb414b85eca4c8d7eac6cfb7be2d891fe4263f675da0d6d61f25fb27ab60f", "confirmed": "2026-11-13" } }, "online_quote": { "text": "Alternatively, customers can purchase this product via the Sure Insurance Website at www.sure-insurance.com.au", "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Alternatively, customers can purchase this product via the Sure Insurance Website at www.sure-insurance.com.au", "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf#page=5", "page": 5, "document_sha256": "dc9fb414b85eca4c8d7eac6cfb7be2d891fe4263f675da0d6d61f25fb27ab60f", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Your home sum insured is the amount you choose to cover your home.", "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Your home sum insured is the amount you choose to cover your home.", "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf#page=14", "page": 14, "document_sha256": "8c45984d5714c884024c7d62085ca64f5ffa5a0d4ea358f8850ba00d87a920bc", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood (including water runoff) Up to your sum insured. For more details see page 37.", "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood (including water runoff) Up to your sum insured. For more details see page 37.", "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf#page=2", "page": 2, "document_sha256": "8c45984d5714c884024c7d62085ca64f5ffa5a0d4ea358f8850ba00d87a920bc", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "OPTIONAL EXTRAS Accidental damage to the home Up to your sum insured.", "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "OPTIONAL EXTRAS Accidental damage to the home Up to your sum insured.", "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf#page=3", "page": 3, "document_sha256": "8c45984d5714c884024c7d62085ca64f5ffa5a0d4ea358f8850ba00d87a920bc", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Homes which are situated inside of regional Queensland, excluding Greater Brisbane, Greater Gold Coast and Greater Sunshine Coast regions.", "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Homes which are situated inside of regional Queensland, excluding Greater Brisbane, Greater Gold Coast and Greater Sunshine Coast regions.", "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf#page=2", "page": 2, "document_sha256": "dc9fb414b85eca4c8d7eac6cfb7be2d891fe4263f675da0d6d61f25fb27ab60f", "confirmed": "2026-11-13" } }, "underwriter": { "text": "This policy is underwritten by Pacific International Insurance Pty Limited (ABN 83 169 311 193, AFSL 523921), trading as Pacific International (Pacific); The New India Assurance Co. Ltd. (ABN 93 000 151 593) (New India Assurance), Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and QBE Insurance (Australia) Limited (ABN 78 003 191 035 AFSL 239545).", "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This policy is underwritten by Pacific International Insurance Pty Limited (ABN 83 169 311 193, AFSL 523921), trading as Pacific International (Pacific); The New India Assurance Co. Ltd. (ABN 93 000 151 593) (New India Assurance), Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and QBE Insurance (Australia) Limited (ABN 78 003 191 035 AFSL 239545).", "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf#page=7", "page": 7, "document_sha256": "8c45984d5714c884024c7d62085ca64f5ffa5a0d4ea358f8850ba00d87a920bc", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Any loss, damage or legal liability if your home has been unoccupied for 90 or more consecutive days and you did not tell us beforehand as shown on your Certificate of Insurance that it would be unoccupied for 90 days or longer.", "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Any loss, damage or legal liability if your home has been unoccupied for 90 or more consecutive days and you did not tell us beforehand as shown on your Certificate of Insurance that it would be unoccupied for 90 days or longer.", "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf#page=32", "page": 32, "document_sha256": "8c45984d5714c884024c7d62085ca64f5ffa5a0d4ea358f8850ba00d87a920bc", "confirmed": "2026-11-13" } } }, "conditions": [ "The same policy covers owner-occupiers and landlords who rent out all or part of the home; accidental damage is not covered if the home is rented to another person (KFS).", "Home Insurance TMD says homes outside regional Queensland are outside the target market." ], "unoccupied": { "days": 90, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unless you told Sure beforehand and it is shown on the Certificate of Insurance. Unoccupied means no one slept and ate there two nights running in the 90 days.", "then": null, "label": "No cover after 90 days" }, "id": "sure-home-and-contents-insurance-home-building-cover", "type_label": "Home building", "issuers": [ { "name": "Pacific International Insurance Pty Limited", "abn": "83169311193", "afsl": "523921", "lloyds": false, "slug": "pacific-international-insurance", "apra": { "status": "authorised", "name": "Pacific International Insurance Pty 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": "523921", "name": "PACIFIC INTERNATIONAL INSURANCE PTY LIMITED", "abn": "83169311193", "acn": null, "licensed_since": "2020-12-08", "locality": "Newcastle NSW 2300", "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": "The New India Assurance Co. Ltd.", "abn": "93000151593", "afsl": null, "lloyds": false, "slug": "new-india-assurance", "apra": { "status": "authorised", "name": "The New India Assurance Co. 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": null }, { "name": "Chubb Insurance Australia Limited", "abn": "23001642020", "afsl": "239687", "lloyds": false, "slug": "chubb-insurance-australia", "apra": { "status": "authorised", "name": "Chubb Insurance Australia Ltd", "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": "239687", "name": "CHUBB INSURANCE AUSTRALIA LTD", "abn": "23001642020", "acn": null, "licensed_since": "2004-01-19", "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": "QBE Insurance (Australia) Limited", "abn": "78003191035", "afsl": "239545", "lloyds": false, "slug": "qbe-insurance-australia", "apra": { "status": "authorised", "name": "QBE Insurance (Australia) 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": "239545", "name": "QBE INSURANCE (AUSTRALIA) LIMITED", "abn": "78003191035", "acn": null, "licensed_since": "2004-03-10", "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": "Sure Residential Strata Insurance", "type": "residential_strata", "segment": "residential", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": "Residential community title (strata) properties in Queensland, plus single-owner non-community-titled properties of 5 to 20 units.", "states": [ "QLD" ], "underwriter": "XL Insurance Company SE, Australia Branch", "underwriter_abn": "36083570441", "underwriter_afsl": null, "lloyds": false, "documents": [ { "title": "Residential Strata PDS RST04/2026 link (the file is the Target Market Determination, effective 1 August 2026)", "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf", "date": "2026-08-01" }, { "title": "Key Facts Sheet - Residential Strata (KFSR 2024-04-01)", "url": "https://sure-insurance.com.au/wp-content/uploads/KFS-Strata-2024-04-01.pdf", "date": "2024-04-01" }, { "title": "Residential Strata Target Market Determination TMDRST (2024-04-01)", "url": "https://sure-insurance.com.au/wp-content/uploads/Target-Market-Determination-Sure-Insurance-Residential-Strata-Insurance-TMDRST-2024-04-01.pdf", "date": "2024-04-01" }, { "title": "Important documents index", "url": "https://sure-insurance.com.au/important-documents/", "date": null } ], "quotes": { "product": { "text": "The product provides Building and/or Common Contents cover for residential community title properties (commonly referred to as strata title properties).", "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The product provides Building and/or Common Contents cover for residential community title properties (commonly referred to as strata title properties).", "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf#page=1", "page": 1, "document_sha256": "499b59db84e6613906da895563ee993591634e96ecc4712fb8a059701ba5712e", "confirmed": "2026-11-13" } }, "channel": { "text": "The product is designed to only be purchased from a Sure Authorised Insurance Broker and their Authorised Representatives. This product is not designed to be sold directly from Sure Insurance.", "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The product is designed to only be purchased from a Sure Authorised Insurance Broker and their Authorised Representatives. This product is not designed to be sold directly from Sure Insurance.", "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf#page=2", "page": 2, "document_sha256": "499b59db84e6613906da895563ee993591634e96ecc4712fb8a059701ba5712e", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood and water runoff Yes You are not covered for any loss or damage caused by underground (hydrostatic) water or pressure.", "url": "https://sure-insurance.com.au/wp-content/uploads/KFS-Strata-2024-04-01.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood and water runoff Yes You are not covered for any loss or damage caused by underground (hydrostatic) water or pressure.", "url": "https://sure-insurance.com.au/wp-content/uploads/KFS-Strata-2024-04-01.pdf#page=1", "page": 1, "document_sha256": "fef08e559f625876352d1f80400a39d6aef78639af4e8710f715c29b1a4cede6", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Common Contents located in a residential Community title property situated in Queensland.", "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Common Contents located in a residential Community title property situated in Queensland.", "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf#page=2", "page": 2, "document_sha256": "499b59db84e6613906da895563ee993591634e96ecc4712fb8a059701ba5712e", "confirmed": "2026-11-13" } }, "underwriter": { "text": "For Residential Strata policies with an effective date from 1/08/2026 Financial services in connection with your insurance are provided by us on behalf of the following product issuer XL Insurance Company SE, Australia Branch (ABN 36 083 570 441)", "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "For Residential Strata policies with an effective date from 1/08/2026 Financial services in connection with your insurance are provided by us on behalf of the following product issuer XL Insurance Company SE, Australia Branch (ABN 36 083 570 441)", "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf#page=3", "page": 3, "document_sha256": "499b59db84e6613906da895563ee993591634e96ecc4712fb8a059701ba5712e", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Unoccupied lots for more than 60 days", "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Unoccupied lots for more than 60 days", "url": "https://sure-insurance.com.au/wp-content/uploads/RST042026.pdf#page=1", "page": 1, "document_sha256": "499b59db84e6613906da895563ee993591634e96ecc4712fb8a059701ba5712e", "confirmed": "2026-11-13" } } }, "conditions": [ "The strata PDS RST04/2026 link on Sure's documents page returns only the Target Market Determination; the flood row comes from the 2024 Key Facts Sheet. Before 1 August 2026 the issuer was Liberty Mutual Insurance Company, Australia Branch." ], "unoccupied": { "days": 60, "effect": "not_accepted", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not accepted if empty over 60 days" }, "id": "sure-residential-strata-insurance", "type_label": "Residential strata", "issuers": [ { "name": "XL Insurance Company SE, Australia Branch", "abn": "36083570441", "afsl": null, "lloyds": false, "slug": "xl-insurance", "apra": { "status": "authorised", "name": "XL Insurance Company SE", "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] } ], "quotes": { "underwriter": { "text": "This policy is underwritten by Pacific International Insurance Pty Limited (ABN 83 169 311 193, AFSL 523921), trading as Pacific International (Pacific); The New India Assurance Co. Ltd. (ABN 93 000 151 593) (New India Assurance), Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and QBE Insurance (Australia) Limited (ABN 78 003 191 035 AFSL 239545).", "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This policy is underwritten by Pacific International Insurance Pty Limited (ABN 83 169 311 193, AFSL 523921), trading as Pacific International (Pacific); The New India Assurance Co. Ltd. (ABN 93 000 151 593) (New India Assurance), Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and QBE Insurance (Australia) Limited (ABN 78 003 191 035 AFSL 239545).", "url": "https://sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf#page=7", "page": 7, "document_sha256": "8c45984d5714c884024c7d62085ca64f5ffa5a0d4ea358f8850ba00d87a920bc", "confirmed": "2026-11-13" } }, "distributor": { "text": "Sure Insurance Pty Ltd (ABN 72 624 109 128, AFSL 506378) (‘Sure Insurance’) acts under a binding authority as an agent for the insurers of the products:", "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Sure Insurance Pty Ltd (ABN 72 624 109 128, AFSL 506378) (‘Sure Insurance’) acts under a binding authority as an agent for the insurers of the products:", "url": "https://sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf#page=7", "page": 7, "document_sha256": "dc9fb414b85eca4c8d7eac6cfb7be2d891fe4263f675da0d6d61f25fb27ab60f", "confirmed": "2026-11-13" } } }, "curation_notes": "Regional-Queensland Managing General Agent (Sure Insurance Pty Ltd) found via Liberty's TMD index, but Liberty is no longer the issuer: Home and Contents policies from 1/08/2025 are underwritten by a panel (Pacific International, New India Assurance, Chubb, QBE) and Residential Strata from 1/08/2026 by XL Insurance Company SE, Australia Branch (Liberty Mutual Insurance Company, Australia Branch was the issuer for older policies). Brand-level underwriter is the first-listed panel member; the home product carries the full panel. Sure's documents disagree on its own ABN/AFSL (TMD/FSG: ABN 72 624 109 128, AFSL 506378; PDS: ABN 76 ...; strata KFS: AFSL 503678); TMD figures used. Landlord cover is part of the Home and Contents policy (no separate landlord PDS). The Sure site lists a separate Short Stay product; not recorded.", "panel": [ { "underwriter": "Pacific International Insurance Pty Limited", "underwriter_abn": "83169311193", "underwriter_afsl": "523921", "lloyds": false }, { "underwriter": "The New India Assurance Co. Ltd.", "underwriter_abn": "93000151593", "underwriter_afsl": null, "lloyds": false }, { "underwriter": "Chubb Insurance Australia Limited", "underwriter_abn": "23001642020", "underwriter_afsl": "239687", "lloyds": false }, { "underwriter": "QBE Insurance (Australia) Limited", "underwriter_abn": "78003191035", "underwriter_afsl": "239545", "lloyds": false } ], "issuers": [ { "name": "Pacific International Insurance Pty Limited", "abn": "83169311193", "afsl": "523921", "lloyds": false, "slug": "pacific-international-insurance", "apra": { "status": "authorised", "name": "Pacific International Insurance Pty 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": "523921", "name": "PACIFIC INTERNATIONAL INSURANCE PTY LIMITED", "abn": "83169311193", "acn": null, "licensed_since": "2020-12-08", "locality": "Newcastle NSW 2300", "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": "The New India Assurance Co. Ltd.", "abn": "93000151593", "afsl": null, "lloyds": false, "slug": "new-india-assurance", "apra": { "status": "authorised", "name": "The New India Assurance Co. 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": null }, { "name": "Chubb Insurance Australia Limited", "abn": "23001642020", "afsl": "239687", "lloyds": false, "slug": "chubb-insurance-australia", "apra": { "status": "authorised", "name": "Chubb Insurance Australia Ltd", "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": "239687", "name": "CHUBB INSURANCE AUSTRALIA LTD", "abn": "23001642020", "acn": null, "licensed_since": "2004-01-19", "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": "QBE Insurance (Australia) Limited", "abn": "78003191035", "afsl": "239545", "lloyds": false, "slug": "qbe-insurance-australia", "apra": { "status": "authorised", "name": "QBE Insurance (Australia) 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": "239545", "name": "QBE INSURANCE (AUSTRALIA) LIMITED", "abn": "78003191035", "acn": null, "licensed_since": "2004-03-10", "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": "506378", "name": "SURE INSURANCE PTY LTD", "abn": "72624109128", "acn": null, "licensed_since": "2018-08-20", "locality": "Albion QLD 4010", "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/sure-insurance/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/sure-insurance.json" }, { "slug": "teachers-mutual-bank", "name": "Teachers Mutual Bank", "website": "https://www.tmbank.com.au/", "kind": "brand", "underwriter": "Allianz Australia Insurance Limited", "underwriter_abn": "15000122850", "underwriter_afsl": "234708", "lloyds": false, "distributor": { "name": "Teachers Mutual Bank Limited", "abn": "30087650459", "afsl": "238981", "authorised_representative_no": null }, "products": [ { "name": "Teachers Mutual Bank Home Insurance (home and contents policy, building cover)", "type": "home_building", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": "optional", "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Product Disclosure Statement", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open", "date": "2024-09-01" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyHomeB4580924/$FILE/KFSALSimplifyHomeB458.pdf?open", "date": "2024-09-01" } ], "quotes": { "product": { "text": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open#page=2", "page": 2, "document_sha256": "38d512b112740fca864b6de5ca669c32ba7883a7db49a89f3833fc8535100640", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyHomeB4580924/$FILE/KFSALSimplifyHomeB458.pdf?open", "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://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyHomeB4580924/$FILE/KFSALSimplifyHomeB458.pdf?open#page=1", "page": 1, "document_sha256": "53a55fd2d4ed36926c5bac302b481610fddf8e29bef4e1795549eced95b197f6", "confirmed": "2026-11-13" } }, "flood": { "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyHomeB4580924/$FILE/KFSALSimplifyHomeB458.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyHomeB4580924/$FILE/KFSALSimplifyHomeB458.pdf?open#page=1", "page": 1, "document_sha256": "53a55fd2d4ed36926c5bac302b481610fddf8e29bef4e1795549eced95b197f6", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "What does it mean if I take the Accidental Damage cover option? This option can cover you against damage caused by sudden, unforeseen and unintended events", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open", "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 option can cover you against damage caused by sudden, unforeseen and unintended events", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open#page=7", "page": 7, "document_sha256": "38d512b112740fca864b6de5ca669c32ba7883a7db49a89f3833fc8535100640", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open#page=58", "page": 58, "document_sha256": "38d512b112740fca864b6de5ca669c32ba7883a7db49a89f3833fc8535100640", "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 on building cover." ], "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-insurance-home-and-contents-policy-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": "Teachers Mutual Bank 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 Product Disclosure Statement", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1390FI102420251221/$FILE/POL1390FI.pdf?open", "date": "2024-09-01" }, { "title": "Key Facts Sheet - Landlord Building", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyLandlordB4580924/$FILE/KFSALSimplifyLandlordB458.pdf?open", "date": "2024-09-01" } ], "quotes": { "product": { "text": "The insurer of this Landlord Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1390FI102420251221/$FILE/POL1390FI.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Landlord Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1390FI102420251221/$FILE/POL1390FI.pdf?open#page=2", "page": 2, "document_sha256": "803768f9a8b8581191ee86dd640bdb68396811886c8718175dc0f966b4bb753c", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyLandlordB4580924/$FILE/KFSALSimplifyLandlordB458.pdf?open", "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://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyLandlordB4580924/$FILE/KFSALSimplifyLandlordB458.pdf?open#page=1", "page": 1, "document_sha256": "9186e78d39bd6a5fa51df59965eb7f8989d3b5e28050eb584ec894cdb7bf4a43", "confirmed": "2026-11-13" } }, "flood": { "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyLandlordB4580924/$FILE/KFSALSimplifyLandlordB458.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyLandlordB4580924/$FILE/KFSALSimplifyLandlordB458.pdf?open#page=1", "page": 1, "document_sha256": "9186e78d39bd6a5fa51df59965eb7f8989d3b5e28050eb584ec894cdb7bf4a43", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1390FI102420251221/$FILE/POL1390FI.pdf?open", "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.einsure.com.au/wb/public/openPolicyDocument/POL1390FI102420251221/$FILE/POL1390FI.pdf?open#page=58", "page": 58, "document_sha256": "803768f9a8b8581191ee86dd640bdb68396811886c8718175dc0f966b4bb753c", "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 for the landlord policy was not stated in the documents read, so it is left blank." ], "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": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708", "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open#page=2", "page": 2, "document_sha256": "38d512b112740fca864b6de5ca669c32ba7883a7db49a89f3833fc8535100640", "confirmed": "2026-11-13" } }, "distributor": { "text": "Teachers Mutual Bank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981 (“Bank”). The Bank arranges this insurance as an agent for Allianz.", "url": "https://www.allianzsecure.com.au/tmbank/home-insurance.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Teachers Mutual Bank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981 (“Bank”). The Bank arranges this insurance as an agent for Allianz.", "url": "https://www.allianzsecure.com.au/tmbank/home-insurance.html#:~:text=Teachers%20Mutual%20Bank%20is%20a,as%20an%20agent%20for%20Allianz.", "document_sha256": "e6066acaa697bd665125ef7024222c2024968f52a8ec2e28edba3a5db8768682", "confirmed": "2026-11-13" } } }, "curation_notes": "Teachers Mutual Bank's own insurance page links out to allianzsecure.com.au/tmbank, whose policy documents page lists the same generic Allianz partner PDS (POL1368FI) as IMB. That PDS names no distributor; the distributor statement is quoted from the Allianz-hosted Teachers Mutual Bank page.", "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": "238981", "name": "TEACHERS MUTUAL BANK LIMITED", "abn": "30087650459", "acn": null, "licensed_since": "2004-02-14", "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" } }, "page": "https://deepalmanac.com/au/insurance/building/teachers-mutual-bank/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/teachers-mutual-bank.json" }, { "slug": "terri-scheer", "name": "Terri Scheer", "website": "https://www.terrischeer.com.au/", "kind": "brand", "underwriter": "AAI Limited", "underwriter_abn": "48005297807", "underwriter_afsl": "230859", "lloyds": false, "distributor": null, "products": [ { "name": "Terri Scheer Landlord Preferred Policy (landlord and contents; building cover limited to tenant events)", "type": "landlord", "segment": "residential", "channel": "both", "online_quote": true, "cover_basis": null, "buffer_percent": null, "flood": "excluded", "accidental_damage": null, "levels": [], "eligibility": "Landlords of professionally managed residential rental property with a long-term tenancy; not for self-managed, short-term/holiday or owner-occupied properties (a separate Self Managed policy exists).", "states": null, "documents": [ { "title": "Landlord Preferred Policy PDS (policies commenced or renewed on or after 10 August 2024)", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-landlord-preferred-policy-product-disclosure-statement-110724.pdf", "date": "2024-08-10" }, { "title": "Landlord Preferred Policy TMD (updated 27/06/2025)", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-preferred-policy-270625a-lr.pdf", "date": "2025-06-27" }, { "title": "Policy documents index", "url": "https://www.terrischeer.com.au/policy-documents", "date": null } ], "quotes": { "product": { "text": "Covers your rental income and investment by insuring for selected tenant-related risks, including loss of rent and tenant damage to your property and contents.", "url": "https://www.terrischeer.com.au/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Covers your rental income and investment by insuring for selected tenant-related risks, including loss of rent and tenant damage to your property and contents.", "url": "https://www.terrischeer.com.au/#:~:text=Covers%20your%20rental%20income%20and,to%20your%20property%20and%20contents.", "document_sha256": "274f46d5d3ed893e7ab2f666fffff3639aa94a7d527cfea39a2cf3fd0bbe96db", "confirmed": "2026-11-13" } }, "channel": { "text": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres; – approved Real Estate Agents and Property Managers; – approved Mortgage Brokers, Financial Planners, Developers and Buyer’s Agents;", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-preferred-policy-270625a-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres; – approved Real Estate Agents and Property Managers; – approved Mortgage Brokers, Financial Planners, Developers and Buyer’s Agents;", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-preferred-policy-270625a-lr.pdf#page=5", "page": 5, "document_sha256": "5726f72640dd1bea2914a17ed68d9e488b30c992bd29e1743dc7dcf315ec6551", "confirmed": "2026-11-13" } }, "flood": { "text": "building cover for loss or damage to the rental property during the period of insurance as a result of insured events specific to tenants occupying the rental property, limited to pet damage, scorching and tenant damage;", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-preferred-policy-270625a-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "building cover for loss or damage to the rental property during the period of insurance as a result of insured events specific to tenants occupying the rental property, limited to pet damage, scorching and tenant damage;", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-preferred-policy-270625a-lr.pdf#page=3", "page": 3, "document_sha256": "5726f72640dd1bea2914a17ed68d9e488b30c992bd29e1743dc7dcf315ec6551", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Are landlords of professionally managed (either by a licensed real estate agent or property manager) residential rental property who wish to insure against risks associated with renting out their property.", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-preferred-policy-270625a-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Are landlords of professionally managed (either by a licensed real estate agent or property manager) residential rental property who wish to insure against risks associated with renting out their property.", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-preferred-policy-270625a-lr.pdf#page=4", "page": 4, "document_sha256": "5726f72640dd1bea2914a17ed68d9e488b30c992bd29e1743dc7dcf315ec6551", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Unoccupied means that the property was vacant for the period of 90 consecutive days or more immediately before loss or damage occurred.", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-landlord-preferred-policy-product-disclosure-statement-110724.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Unoccupied means that the property was vacant for the period of 90 consecutive days or more immediately before loss or damage occurred.", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-landlord-preferred-policy-product-disclosure-statement-110724.pdf#page=77", "page": 77, "document_sha256": "e545c9cdb743dfe6fe599197eb617292f827ebdf33d3a9d2d61181d606ce2491", "confirmed": "2026-11-13" } } }, "conditions": [ "Building cover is limited to tenant-related events (pet damage, scorching, tenant damage); fire, storm, flood and escape of liquid damage to the building are NOT covered by this product and need a separate building policy.", "Contents cover includes flood, but no bushfire, storm, flood or tsunami cover applies in the first 72 hours of the policy." ], "unoccupied": { "days": 90, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Applies to loss of rent, contents and tenant-damage cover. Unless agreed beforehand (then a higher excess). No cover at all if vacant with no effort to re-let.", "then": null, "label": "No cover after 90 days" }, "id": "landlord-preferred-policy-landlord-and-contents-building-cover-limited-to-tenant-events", "type_label": "Landlord", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "Terri Scheer Landlord Residential Building Insurance Policy", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "included", "levels": [], "eligibility": "Owners of a self-managed or agent-managed residential rental house or holiday let; not strata title (unless owned by the same owner), not owner-occupied, not buildings with shared grounds or common areas.", "states": null, "documents": [ { "title": "Landlord Residential Building Insurance PDS (prepared 10 February 2025)", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-pds-landlord-residential-ts00012-28-06-25-a.pdf", "date": "2025-02-10" }, { "title": "Landlord Residential Building TMD", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-residential-building280625b-lr.pdf", "date": "2025-06-28" }, { "title": "Policy documents index", "url": "https://www.terrischeer.com.au/policy-documents", "date": null } ], "quotes": { "product": { "text": "Cover for loss or damage to your building caused by insured events such as fire (including bushfire), storm or rainwater, flood, impact, escape of liquid, lightning, earthquake or tsunami", "url": "https://www.terrischeer.com.au/building-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for loss or damage to your building caused by insured events such as fire (including bushfire), storm or rainwater, flood, impact, escape of liquid, lightning, earthquake or tsunami", "url": "https://www.terrischeer.com.au/building-insurance#:~:text=Cover%20for%20loss%20or%20damage,liquid%2C%20lightning%2C%20earthquake%20or%20tsunami", "document_sha256": "0b0cd6251cef4e9bac62fa555e567c0f52a1904167ea6bf1698a8f87636ac615", "confirmed": "2026-11-13" } }, "channel": { "text": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres;", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-residential-building280625b-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres;", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-residential-building280625b-lr.pdf#page=5", "page": 5, "document_sha256": "27341f06630ca5776b7c967c45733d525de780af25c9b33f2a4a01b0f217cf1e", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "We won’t pay more than the sum insured for your building", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-pds-landlord-residential-ts00012-28-06-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We won’t pay more than the sum insured for your building", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-pds-landlord-residential-ts00012-28-06-25-a.pdf#page=11", "page": 11, "document_sha256": "d1f8d88ac0161fcc2a684004becc0c5ac3b00d457cfbe8681e7fe00030b75e4e", "confirmed": "2026-11-13" } }, "flood": { "text": "loss or damage to the customer’s building during the period of insurance caused by a range of insured events including flood, storm or rainwater, fire (including bushfire) or explosion, escape of liquid, and tenant damage;", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-residential-building280625b-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "loss or damage to the customer’s building during the period of insurance caused by a range of insured events including flood, storm or rainwater, fire (including bushfire) or explosion, escape of liquid, and tenant damage;", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-residential-building280625b-lr.pdf#page=3", "page": 3, "document_sha256": "27341f06630ca5776b7c967c45733d525de780af25c9b33f2a4a01b0f217cf1e", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "We cover the building for accidental loss or damage (for example, breaking or damaging a component of the building) at the insured address during the period of insurance, which is caused by you, your family, or your non-paying guests.", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-pds-landlord-residential-ts00012-28-06-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We cover the building for accidental loss or damage (for example, breaking or damaging a component of the building) at the insured address during the period of insurance, which is caused by you, your family, or your non-paying guests.", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-pds-landlord-residential-ts00012-28-06-25-a.pdf#page=25", "page": 25, "document_sha256": "d1f8d88ac0161fcc2a684004becc0c5ac3b00d457cfbe8681e7fe00030b75e4e", "confirmed": "2026-11-13" } }, "eligibility": { "text": "strata title, unless owned by the same owner;", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-residential-building280625b-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "strata title, unless owned by the same owner;", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-residential-building280625b-lr.pdf#page=4", "page": 4, "document_sha256": "27341f06630ca5776b7c967c45733d525de780af25c9b33f2a4a01b0f217cf1e", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Unoccupied means that the property was vacant for a period of 90 consecutive days or more immediately before loss or damage occurred.", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-pds-landlord-residential-ts00012-28-06-25-a.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Unoccupied means that the property was vacant for a period of 90 consecutive days or more immediately before loss or damage occurred.", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-pds-landlord-residential-ts00012-28-06-25-a.pdf#page=78", "page": 78, "document_sha256": "d1f8d88ac0161fcc2a684004becc0c5ac3b00d457cfbe8681e7fe00030b75e4e", "confirmed": "2026-11-13" } } }, "conditions": [ "No bushfire, storm, flood or tsunami cover in the first 72 hours of the policy (very limited exceptions)." ], "unoccupied": { "days": 90, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Applies to building and loss of rent cover. Unless agreed beforehand (then a higher excess). No cover at all if vacant with no effort to re-let.", "then": null, "label": "No cover after 90 days" }, "id": "landlord-residential-building-insurance-policy", "type_label": "Landlord", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "Terri Scheer Scheer Short Stay Policy (Holiday Rental Insurance)", "type": "landlord", "segment": "residential", "channel": "both", "online_quote": true, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Short-stay and holiday rental properties.", "states": null, "documents": [ { "title": "Short Stay Policy PDS (effective 10 August 2024)", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-scheer-short-stay-policy-product-disclosure-statement-110724.pdf", "date": "2024-08-10" }, { "title": "Short Stay Policy TMD", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-scheer-short-stay-policy-270625.pdf", "date": "2025-06-27" } ], "quotes": { "product": { "text": "Terri Scheer’s Holiday Rental Insurance can cover landlords against tenant-related risks, including loss of rental income and loss or damage to your building or contents caused by guests.", "url": "https://www.terrischeer.com.au/holiday-rental-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Terri Scheer’s Holiday Rental Insurance can cover landlords against tenant-related risks, including loss of rental income and loss or damage to your building or contents caused by guests.", "url": "https://www.terrischeer.com.au/holiday-rental-insurance#:~:text=Terri%20Scheer%E2%80%99s%20Holiday%20Rental%20Insurance,or%20contents%20caused%20by%20guests.", "document_sha256": "cc3d069a7b3cefe8e8683f639cf565dfe5ac159c0dce8465b7352bc144acf3db", "confirmed": "2026-11-13" } }, "channel": { "text": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres; – approved Real Estate Agents and Property Managers; – approved Mortgage Brokers, Financial Planners, Developers and Buyer’s Agents;", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-scheer-short-stay-policy-270625.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres; – approved Real Estate Agents and Property Managers; – approved Mortgage Brokers, Financial Planners, Developers and Buyer’s Agents;", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-scheer-short-stay-policy-270625.pdf#page=5", "page": 5, "document_sha256": "da836c8fe63ac5588a2d045c188568cb527723b0dff8ebdf71030c08b917db1e", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Are landlords of professionally managed holiday and shortterm rental properties who wish to insure against risks associated with renting out their property.", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-scheer-short-stay-policy-270625.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Are landlords of professionally managed holiday and shortterm rental properties who wish to insure against risks associated with renting out their property.", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-scheer-short-stay-policy-270625.pdf#page=4", "page": 4, "document_sha256": "da836c8fe63ac5588a2d045c188568cb527723b0dff8ebdf71030c08b917db1e", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Unoccupied means that the property was vacant for the period of 90 consecutive days or more immediately before loss or damage occurred.", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-scheer-short-stay-policy-product-disclosure-statement-110724.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Unoccupied means that the property was vacant for the period of 90 consecutive days or more immediately before loss or damage occurred.", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-scheer-short-stay-policy-product-disclosure-statement-110724.pdf#page=86", "page": 86, "document_sha256": "cf534f99201fdd9830631861d54978431026f63f2fc3e92bcfa931274a1d2fa5", "confirmed": "2026-11-13" } } }, "conditions": [ "Building cover under the holiday policy is limited to tenant damage, pet damage and scorching." ], "unoccupied": { "days": 90, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Applies to loss of rent, contents and tenant-damage cover. Unless agreed beforehand (then a higher excess). No cover at all if vacant with no effort to re-let.", "then": null, "label": "No cover after 90 days" }, "id": "scheer-short-stay-policy-holiday-rental-insurance", "type_label": "Landlord", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "AAI Limited ABN 48 005 297 807, AFS Licence No. 230859 trading as Terri Scheer is the insurer and issuer of this insurance policy and PDS.", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-landlord-preferred-policy-product-disclosure-statement-110724.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "AAI Limited ABN 48 005 297 807, AFS Licence No. 230859 trading as Terri Scheer is the insurer and issuer of this insurance policy and PDS.", "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-landlord-preferred-policy-product-disclosure-statement-110724.pdf#page=4", "page": 4, "document_sha256": "e545c9cdb743dfe6fe599197eb617292f827ebdf33d3a9d2d61181d606ce2491", "confirmed": "2026-11-13" } } }, "curation_notes": "Terri Scheer is a trading name of AAI Limited (Suncorp Group), so it is the insurer itself. Landlord Preferred is sold in a managed and a Self Managed version with the same structure. The Landlord Preferred product does not insure the building against fire/storm/flood (separate Residential Building product does).", "segments": [ "residential" ], "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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/terri-scheer/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/terri-scheer.json" }, { "slug": "tokio-marine", "name": "Tokio Marine", "website": "https://tokiomarine.com.au/", "kind": "insurer", "underwriter": "Tokio Marine & Nichido Fire Insurance Co., Ltd.", "underwriter_abn": "80000438291", "underwriter_afsl": "246548", "lloyds": false, "distributor": null, "products": [ { "name": "Tokio Marine Industrial Special Risks Insurance", "type": "isr", "segment": "industrial", "channel": null, "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Corporate insurance for multinational corporations operating in Australia.", "states": null, "documents": [], "quotes": { "product": { "text": "We have been providing corporate insurance for multinational corporations operating in Australia for more than 50 years. Below are some of the products we offer: Industrial Special Risks Insurance", "url": "https://tokiomarine.com.au/?p=2225", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We have been providing corporate insurance for multinational corporations operating in Australia for more than 50 years. Below are some of the products we offer: Industrial Special Risks Insurance", "url": "https://tokiomarine.com.au/?p=2225#:~:text=We%20have%20been%20providing%20corporate,offer%3A%20Industrial%20Special%20Risks%20Insurance", "document_sha256": "bc5cfc2d55b8bd4e2f0f43bbe0b8c68f6e0559ef075e5a4c7dc89052b958c81b", "confirmed": "2026-11-13" } }, "eligibility": { "text": "We have been providing corporate insurance for multinational corporations operating in Australia for more than 50 years.", "url": "https://tokiomarine.com.au/?p=2225", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "We have been providing corporate insurance for multinational corporations operating in Australia for more than 50 years.", "url": "https://tokiomarine.com.au/?p=2225#:~:text=We%20have%20been%20providing%20corporate,for%20more%20than%2050%20years.", "document_sha256": "bc5cfc2d55b8bd4e2f0f43bbe0b8c68f6e0559ef075e5a4c7dc89052b958c81b", "confirmed": "2026-11-13" } } }, "conditions": [ "Product list only; no wording or minimum sum insured published. Page also lists General Property Insurance and Machinery Breakdown." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "industrial-special-risks-insurance", "type_label": "Industrial special risks (ISR)", "issuers": [ { "name": "Tokio Marine & Nichido Fire Insurance Co., Ltd.", "abn": "80000438291", "afsl": "246548", "lloyds": false, "slug": "tokio-marine-and-nichido-fire-insurance", "apra": { "status": "authorised", "name": "Tokio Marine & Nichido Fire Insurance Co., Ltd.", "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": "246548", "name": "TOKIO MARINE & NICHIDO FIRE INSURANCE CO., LTD.", "abn": "80000438291", "acn": null, "licensed_since": "2004-03-11", "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": "Managing Agent and Corporate Authorised Representative (AR 1313066) in Australia for Tokio Marine & Nichido Fire Insurance Co., Ltd. ABN 80 000 438 291 AFSL 246548", "url": "https://tokiomarine.com.au/?p=2225", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Managing Agent and Corporate Authorised Representative (AR 1313066) in Australia for Tokio Marine & Nichido Fire Insurance Co., Ltd. ABN 80 000 438 291 AFSL 246548", "url": "https://tokiomarine.com.au/?p=2225#:~:text=Managing%20Agent%20and%20Corporate%20Authorised,000%20438%20291%20AFSL%20246548", "document_sha256": "bc5cfc2d55b8bd4e2f0f43bbe0b8c68f6e0559ef075e5a4c7dc89052b958c81b", "confirmed": "2026-11-13" } } }, "curation_notes": "Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455) is the managing agent in Australia.", "segments": [ "industrial" ], "issuers": [ { "name": "Tokio Marine & Nichido Fire Insurance Co., Ltd.", "abn": "80000438291", "afsl": "246548", "lloyds": false, "slug": "tokio-marine-and-nichido-fire-insurance", "apra": { "status": "authorised", "name": "Tokio Marine & Nichido Fire Insurance Co., Ltd.", "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": "246548", "name": "TOKIO MARINE & NICHIDO FIRE INSURANCE CO., LTD.", "abn": "80000438291", "acn": null, "licensed_since": "2004-03-11", "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": null, "page": "https://deepalmanac.com/au/insurance/building/tokio-marine/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/tokio-marine.json" }, { "slug": "vero", "name": "Vero", "website": "https://www.vero.com.au/", "kind": "brand", "underwriter": "AAI Limited", "underwriter_abn": "48005297807", "underwriter_afsl": "230859", "lloyds": false, "distributor": null, "products": [ { "name": "Vero Business Insurance", "type": "business_property", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": "optional", "levels": [], "eligibility": "Australian-based businesses and not-for-profit organisations operating on an ongoing basis, or commercial property owners; property section covers buildings, contents and stock used by the business (not buildings used only for residential purposes).", "states": null, "documents": [ { "title": "Vero Business Insurance Policy PDS and Policy Wording (V10162 05/12/24 A)", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/broker/documents/small-medium/v10162-05-12-24-a-vero-business-insurance-pds-lr.pdf", "date": "2024-12-05" }, { "title": "Target Market Determination (updated 25/06/2025)", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf", "date": "2025-06-25" } ], "quotes": { "product": { "text": "The Vero Business Insurance Policy product offers a range of covers under 12 policy sections.", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Vero Business Insurance Policy product offers a range of covers under 12 policy sections.", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf#page=2", "page": 2, "document_sha256": "6080a73f96d8b1a2d3d8254fde7bc892108309438c88e3dd0e5c8f597d2559c3", "confirmed": "2026-11-13" } }, "channel": { "text": "this product must only be distributed by an Australian based and appropriately licensed insurance broker or other intermediary (Distributor) with which Vero has an agreement to distribute this product;", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "this product must only be distributed by an Australian based and appropriately licensed insurance broker or other intermediary (Distributor) with which Vero has an agreement to distribute this product;", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf#page=6", "page": 6, "document_sha256": "6080a73f96d8b1a2d3d8254fde7bc892108309438c88e3dd0e5c8f597d2559c3", "confirmed": "2026-11-13" } }, "flood": { "text": "Cover for flood is available as an optional insurance.", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for flood is available as an optional insurance.", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf#page=3", "page": 3, "document_sha256": "6080a73f96d8b1a2d3d8254fde7bc892108309438c88e3dd0e5c8f597d2559c3", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Where your policy schedule shows that you have chosen to insure for “Accidental Damage”, the maximum we will pay for any one (1) claim is the total declared value plus the insured amount for specified items.", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/broker/documents/small-medium/v10162-05-12-24-a-vero-business-insurance-pds-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Where your policy schedule shows that you have chosen to insure for “Accidental Damage”, the maximum we will pay for any one (1) claim is the total declared value plus the insured amount for specified items.", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/broker/documents/small-medium/v10162-05-12-24-a-vero-business-insurance-pds-lr.pdf#page=41", "page": 41, "document_sha256": "ac2357a71597fcccaa9a93204c7c3d76787acf8a8e06016035d7fd30f896ca52", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Customers who operate an Australian-based business or not for profit organisation on an ongoing basis or are commercial property owners.", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Customers who operate an Australian-based business or not for profit organisation on an ongoing basis or are commercial property owners.", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf#page=5", "page": 5, "document_sha256": "6080a73f96d8b1a2d3d8254fde7bc892108309438c88e3dd0e5c8f597d2559c3", "confirmed": "2026-11-13" } }, "online_quote": { "text": "this product must only be distributed by an Australian based and appropriately licensed insurance broker or other intermediary (Distributor) with which Vero has an agreement to distribute this product;", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "this product must only be distributed by an Australian based and appropriately licensed insurance broker or other intermediary (Distributor) with which Vero has an agreement to distribute this product;", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11104-25-06-25-a-vero-business-insurance-tmd-lr.pdf#page=6", "page": 6, "document_sha256": "6080a73f96d8b1a2d3d8254fde7bc892108309438c88e3dd0e5c8f597d2559c3", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/broker/documents/small-medium/v10162-05-12-24-a-vero-business-insurance-pds-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/broker/documents/small-medium/v10162-05-12-24-a-vero-business-insurance-pds-lr.pdf#page=20", "page": 20, "document_sha256": "ac2357a71597fcccaa9a93204c7c3d76787acf8a8e06016035d7fd30f896ca52", "confirmed": "2026-11-13" } } }, "conditions": [ "Property Damage (Policy Section 1) is one of 12 selectable sections; the TMD says each section is quoted on offer and acceptance and some sections are mandatory depending on circumstances.", "Buildings that are used only for residential purposes are not suitable for this product." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unless Vero agrees in writing (may add premium, conditions or a higher excess). For a building owner, untenanted counts. Not for management liability, tax probe or goods in transit.", "then": null, "label": "No cover after 60 days" }, "id": "business-insurance", "type_label": "Business property", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "Vero SME Business Insurance (BizCover)", "type": "business_property", "segment": "commercial", "channel": "broker", "online_quote": null, "cover_basis": null, "buffer_percent": null, "flood": "optional", "accidental_damage": null, "levels": [], "eligibility": "Australian-based businesses and not-for-profit organisations operating on an ongoing basis, or commercial property owners; sold only through brokers or other intermediaries (the policy wording is hosted on BizCover's site).", "states": null, "documents": [ { "title": "Vero SME Business Insurance PDS and Policy Wording (V11562 30/04/25 A), hosted by BizCover", "url": "https://insure.bizcover.com.au/WebForms/Public/PolicyWordings/Vero%20SME%20Business%20Insurance%20V11562%2030-04-25%20A.pdf", "date": "2025-04-30" }, { "title": "Target Market Determination (updated 25/06/2025)", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11571-25-06-25-a-vero-sme-business-insurance-tmd.pdf", "date": "2025-06-25" } ], "quotes": { "product": { "text": "Vero SME Business Insurance Policy – Product Disclosure Statement (PDS) & Policy Wording V11562 30/04/25 A and any Supplementary PDS", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11571-25-06-25-a-vero-sme-business-insurance-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Vero SME Business Insurance Policy – Product Disclosure Statement (PDS) & Policy Wording V11562 30/04/25 A and any Supplementary PDS", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11571-25-06-25-a-vero-sme-business-insurance-tmd.pdf#page=2", "page": 2, "document_sha256": "e6dcb1ad23a0671a8b6d50e6c01338317c3f465dbcae30166ee5a810419d9c23", "confirmed": "2026-11-13" } }, "channel": { "text": "this product must only be distributed by an Australian based and appropriately licensed insurance broker or other intermediary (Distributor) who is authorised by us or our agent to distribute this product;", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11571-25-06-25-a-vero-sme-business-insurance-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "this product must only be distributed by an Australian based and appropriately licensed insurance broker or other intermediary (Distributor) who is authorised by us or our agent to distribute this product;", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11571-25-06-25-a-vero-sme-business-insurance-tmd.pdf#page=5", "page": 5, "document_sha256": "e6dcb1ad23a0671a8b6d50e6c01338317c3f465dbcae30166ee5a810419d9c23", "confirmed": "2026-11-13" } }, "flood": { "text": "Cover for flood is available as an optional insurance.", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11571-25-06-25-a-vero-sme-business-insurance-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Cover for flood is available as an optional insurance.", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11571-25-06-25-a-vero-sme-business-insurance-tmd.pdf#page=3", "page": 3, "document_sha256": "e6dcb1ad23a0671a8b6d50e6c01338317c3f465dbcae30166ee5a810419d9c23", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Customers who operate an Australian-based business or not for profit organisation on an ongoing basis or are commercial property owners.", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11571-25-06-25-a-vero-sme-business-insurance-tmd.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Customers who operate an Australian-based business or not for profit organisation on an ongoing basis or are commercial property owners.", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/target-market-determination/v11571-25-06-25-a-vero-sme-business-insurance-tmd.pdf#page=4", "page": 4, "document_sha256": "e6dcb1ad23a0671a8b6d50e6c01338317c3f465dbcae30166ee5a810419d9c23", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.", "url": "https://insure.bizcover.com.au/WebForms/Public/PolicyWordings/Vero%20SME%20Business%20Insurance%20V11562%2030-04-25%20A.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.", "url": "https://insure.bizcover.com.au/WebForms/Public/PolicyWordings/Vero%20SME%20Business%20Insurance%20V11562%2030-04-25%20A.pdf#page=18", "page": 18, "document_sha256": "f4ccbccaee2a424f069fd95de6d0c982e56a908110266af3f4d57620fe34a2d8", "confirmed": "2026-11-13" } } }, "conditions": [ "The SME policy wording is listed on Vero's own documents page as the BizCover version; the PDS PDF itself was not downloaded." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unless Vero agrees in writing (may add premium, conditions or a higher excess). For a building owner, untenanted counts. Not for management liability, tax probe or goods in transit.", "then": null, "label": "No cover after 60 days" }, "id": "sme-business-insurance-bizcover", "type_label": "Business property", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "Vero Property Insurance (ISR)", "type": "isr", "segment": "industrial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Industrial Special Risks for companies with total declared values in excess of $5 million; standard ISR wordings with endorsements; broad appetite including high hazard industries.", "states": null, "documents": [ { "title": "Vero Steadfast Client Trading Platform Industrial Special Risks Policy wording (V10520 06/12/17 B)", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/Steadfast-pdfs/v10520-06-12-17-b-vero-steadfast-sctp-isr-policy-wording-lr.PDF", "date": "2017-12-06" }, { "title": "Vero Property (ISR) policy documents page", "url": "https://www.vero.com.au/vero-steadfast-document-library-101/property-isr.html", "date": null } ], "quotes": { "product": { "text": "Vero can provide property insurance for medium to large sized organisations, offering expert insurance and risk management solutions for Industrial Special Risks (ISR).", "url": "https://www.vero.com.au/med-lrge-business-insurance/property.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Vero can provide property insurance for medium to large sized organisations, offering expert insurance and risk management solutions for Industrial Special Risks (ISR).", "url": "https://www.vero.com.au/med-lrge-business-insurance/property.html#:~:text=Vero%20can%20provide%20property%20insurance,for%20Industrial%20Special%20Risks%20%28ISR%29.", "document_sha256": "ccc711ae3be620e627aee9fdbcffe0a2bf963d782dcac83ebb44bf137ffb47ce", "confirmed": "2026-11-13" } }, "channel": { "text": "Our property underwriting specialists work with your broker to provide tailored solutions based on your individual needs.", "url": "https://www.vero.com.au/med-lrge-business-insurance/property.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Our property underwriting specialists work with your broker to provide tailored solutions based on your individual needs.", "url": "https://www.vero.com.au/med-lrge-business-insurance/property.html#:~:text=Our%20property%20underwriting%20specialists%20work,based%20on%20your%20individual%20needs.", "document_sha256": "ccc711ae3be620e627aee9fdbcffe0a2bf963d782dcac83ebb44bf137ffb47ce", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Industrial Special Risks coverage for companies with total declared values in excess of $5 million", "url": "https://www.vero.com.au/med-lrge-business-insurance/property.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Industrial Special Risks coverage for companies with total declared values in excess of $5 million", "url": "https://www.vero.com.au/med-lrge-business-insurance/property.html#:~:text=Industrial%20Special%20Risks%20coverage%20for,in%20excess%20of%20%245%20million", "document_sha256": "ccc711ae3be620e627aee9fdbcffe0a2bf963d782dcac83ebb44bf137ffb47ce", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "(c) whereby any premises containing any Property Insured hereunder shall become unoccupied, and so remain for a period of more than sixty (60) days;", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/Steadfast-pdfs/v10520-06-12-17-b-vero-steadfast-sctp-isr-policy-wording-lr.PDF", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "(c) whereby any premises containing any Property Insured hereunder shall become unoccupied, and so remain for a period of more than sixty (60) days;", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/Steadfast-pdfs/v10520-06-12-17-b-vero-steadfast-sctp-isr-policy-wording-lr.PDF#page=27", "page": 27, "document_sha256": "42a42100f7d4cf37405c48ffc40cf5be1097b7d63a4dff8e4bd1b5f9e4022627", "confirmed": "2026-11-13" } } }, "conditions": [ "The only wording published is the Steadfast-branded ISR wording dated December 2017 (V10520); 'Standard ISR wordings are used with endorsements tailored to client's needs'." ], "unoccupied": { "days": 60, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Only for loss caused or contributed to by the vacancy; unless notified and agreed in writing. An addendum protects inadvertent failure to notify.", "then": null, "label": "No cover after 60 days" }, "id": "property-insurance-isr", "type_label": "Industrial special risks (ISR)", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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": "Vero Higher Hazard Property (ISR)", "type": "isr", "segment": "industrial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Well-managed, high-severity occupations (e.g. timber mills, woodworking, plastics, chemical production); minimum total asset value $5,000,000 and 5 years of claims history.", "states": null, "documents": [ { "title": "Higher Hazard Property Appetite Guide (August 2025)", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/pdfs/vero-higher-hazard-property-appetite-guide-08-25.pdf", "date": "2025-08-01" } ], "quotes": { "product": { "text": "Our Higher Hazard Property Insurance is tailored for businesses with well-managed, high-severity occupations, providing specialised solutions backed by risk management to assist you in securing the appropriate coverage for your clients.", "url": "https://www.vero.com.au/specialty-lines/higher-hazard-property.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Our Higher Hazard Property Insurance is tailored for businesses with well-managed, high-severity occupations, providing specialised solutions backed by risk management to assist you in securing the appropriate coverage for your clients.", "url": "https://www.vero.com.au/specialty-lines/higher-hazard-property.html#:~:text=Our%20Higher%20Hazard%20Property%20Insurance,appropriate%20coverage%20for%20your%20clients.", "document_sha256": "57ee458432c4e8ce02f1e158b445d95fd98a5989429028d02d7623271d3bb933", "confirmed": "2026-11-13" } }, "channel": { "text": "With Vero Specialty Lines, brokers gain direct access to a dedicated team of underwriters to ensure fast, consistent and personalised support.", "url": "https://www.vero.com.au/specialty-lines/higher-hazard-property.html", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "With Vero Specialty Lines, brokers gain direct access to a dedicated team of underwriters to ensure fast, consistent and personalised support.", "url": "https://www.vero.com.au/specialty-lines/higher-hazard-property.html#:~:text=With%20Vero%20Specialty%20Lines%2C%20brokers,fast%2C%20consistent%20and%20personalised%20support.", "document_sha256": "57ee458432c4e8ce02f1e158b445d95fd98a5989429028d02d7623271d3bb933", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Total Asset Value > $5,000,000", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/pdfs/vero-higher-hazard-property-appetite-guide-08-25.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Total Asset Value > $5,000,000", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/pdfs/vero-higher-hazard-property-appetite-guide-08-25.pdf#page=3", "page": 3, "document_sha256": "37091c46f2c9a5bc072c76f9e066194be6a47ed359af2d24d3687b082c5e4718", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "Unoccupied Premises No", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/pdfs/vero-higher-hazard-property-appetite-guide-08-25.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Unoccupied Premises No", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/vero/documents/pdfs/vero-higher-hazard-property-appetite-guide-08-25.pdf#page=5", "page": 5, "document_sha256": "37091c46f2c9a5bc072c76f9e066194be6a47ed359af2d24d3687b082c5e4718", "confirmed": "2026-11-13" } } }, "conditions": [ "Appetite guide lists occupations as Yes/No for Vero Specialty Lines.", "Limited appetite for EPS/ACP panel construction; PIR and other non-combustible insulated panels are acceptable." ], "unoccupied": { "days": null, "effect": "not_accepted", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Outside who the policy is for" }, "id": "higher-hazard-property-isr", "type_label": "Industrial special risks (ISR)", "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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 insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 trading as Vero Insurance.", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/broker/documents/small-medium/v10162-05-12-24-a-vero-business-insurance-pds-lr.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 trading as Vero Insurance.", "url": "https://www.vero.com.au/content/dam/suncorp/insurance/broker/documents/small-medium/v10162-05-12-24-a-vero-business-insurance-pds-lr.pdf#page=4", "page": 4, "document_sha256": "ac2357a71597fcccaa9a93204c7c3d76787acf8a8e06016035d7fd30f896ca52", "confirmed": "2026-11-13" } } }, "curation_notes": "Vero Insurance is a trading name of AAI Limited (Suncorp group) per the PDS and TMDs. Vero's own documents page lists the business PDS dated 05/12/24 as current (checked 2026-10-16) though an ASIC-instrument update dated 29/07/2026 is also listed. Not verified whether a newer PDS exists. Neither TMD gives turnover or sum-insured limits.", "segments": [ "commercial", "industrial" ], "issuers": [ { "name": "AAI Limited", "abn": "48005297807", "afsl": "230859", "lloyds": false, "slug": "aai", "apra": { "status": "authorised", "name": "AAI 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": "230859", "name": "AAI LIMITED", "abn": "48005297807", "acn": null, "licensed_since": "2003-11-08", "locality": "Brisbane QLD 4000", "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/vero/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/vero.json" }, { "slug": "virgin-money", "name": "Virgin Money Insurance", "website": "https://www.virginmoney.com.au/insurance/home-insurance", "kind": "brand", "underwriter": "Zurich Australian Insurance Limited", "underwriter_abn": "13000296640", "underwriter_afsl": "232507", "lloyds": false, "distributor": { "name": "Honey Insurance Pty Ltd", "abn": "52643672628", "afsl": "528244", "authorised_representative_no": null }, "products": [ { "name": "Virgin Money Household Insurance (home building)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": "Owner-occupiers who own and reside in the insured home, aged 18+.", "states": null, "documents": [ { "title": "Household Product Disclosure Statement (October 2026)", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-household-VMAHH-2610.pdf", "date": "2026-10-01" }, { "title": "Key Facts Sheet - building", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-household-2610.pdf", "date": "2026-10-01" }, { "title": "Target Market Determination", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-household-2610.pdf", "date": "2026-10-01" } ], "quotes": { "product": { "text": "The product is designed for people who want to be covered against financial loss caused by a range of incidents involving their home and/or their contents and are seeking an appropriate level of cover relevant to their personal circumstances.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-household-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The product is designed for people who want to be covered against financial loss caused by a range of incidents involving their home and/or their contents and are seeking an appropriate level of cover relevant to their personal circumstances.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-household-2610.pdf#page=2", "page": 2, "document_sha256": "a380970f482fedcbbb5a496b050785144a2fd5ff9c044be6be73882821c11458", "confirmed": "2026-11-13" } }, "channel": { "text": "Virgin Money Household Insurance is distributed only through: • Virgin Money Insurance’s website virginmoney.com.au/insurance • Virgin Money Insurance's contact centre by calling 1300 862 860", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-household-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Virgin Money Household Insurance is distributed only through: • Virgin Money Insurance’s website virginmoney.com.au/insurance • Virgin Money Insurance's contact centre by calling 1300 862 860", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-household-2610.pdf#page=7", "page": 7, "document_sha256": "a380970f482fedcbbb5a496b050785144a2fd5ff9c044be6be73882821c11458", "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://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-household-2610.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://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-household-2610.pdf#page=1", "page": 1, "document_sha256": "2880736c320f46cfce20467517ab1e4a4d65dd5800b8680becfe036ef53e406d", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood Yes You're not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-household-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood Yes You're not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-household-2610.pdf#page=1", "page": 1, "document_sha256": "2880736c320f46cfce20467517ab1e4a4d65dd5800b8680becfe036ef53e406d", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Optional Optional – We cover accidental damage to some items under the optional benefit of Advanced cover.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-household-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Optional Optional – We cover accidental damage to some items under the optional benefit of Advanced cover.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-household-2610.pdf#page=1", "page": 1, "document_sha256": "2880736c320f46cfce20467517ab1e4a4d65dd5800b8680becfe036ef53e406d", "confirmed": "2026-11-13" } }, "eligibility": { "text": "The product with Home Insurance Cover is designed for people who want to be covered against financial loss caused by an incident involving their home and are seeking an appropriate level of cover relevant to their personal circumstances.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-household-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The product with Home Insurance Cover is designed for people who want to be covered against financial loss caused by an incident involving their home and are seeking an appropriate level of cover relevant to their personal circumstances.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-household-2610.pdf#page=3", "page": 3, "document_sha256": "a380970f482fedcbbb5a496b050785144a2fd5ff9c044be6be73882821c11458", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "If your home is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-household-VMAHH-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If your home is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-household-VMAHH-2610.pdf#page=99", "page": 99, "document_sha256": "238c309b9a485eaf3b12be78a93b58e86807b6e69ce1e4e56a254c89ae34e723", "confirmed": "2026-11-13" } } }, "conditions": [ "Accidental damage is the optional 'Advanced cover' benefit (also covers motor burnout); it does not apply to a home that is rented out.", "Honey Insurance Pty Ltd administers the policy on behalf of the insurer, Zurich Australian Insurance Limited." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1500, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Also counts as unoccupied if someone stays less than one night a week on average during the 60 days.", "then": null, "label": "Extra $1,500 excess after 60 days" }, "id": "household-insurance-home-building", "type_label": "Home building", "issuers": [ { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "lloyds": false, "slug": "zurich-australian-insurance", "apra": { "status": "authorised", "name": "Zurich Australian 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": "232507", "name": "ZURICH AUSTRALIAN INSURANCE LIMITED", "abn": "13000296640", "acn": null, "licensed_since": "2004-01-31", "locality": "North Sydney NSW 2060", "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": "Virgin Money Landlord Insurance (building)", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": "Owners of a residential rental property.", "states": null, "documents": [ { "title": "Landlord Product Disclosure Statement (October 2026)", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-landlord-VMALL-2610.pdf", "date": "2026-10-01" }, { "title": "Key Facts Sheet - building", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-landlord-2610.pdf", "date": "2026-10-01" }, { "title": "Target Market Determination", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-landlord-2610.pdf", "date": "2026-10-01" } ], "quotes": { "product": { "text": "The product is designed for people who own a residential rental property and want to be covered against financial loss caused by a range of incidents involving their rental property and/or their contents (including certain risks associated with having a tenant) and are seeking an appropriate level of cover relevant to their circumstances as a landlord.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-landlord-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The product is designed for people who own a residential rental property and want to be covered against financial loss caused by a range of incidents involving their rental property and/or their contents (including certain risks associated with having a tenant) and are seeking an appropriate level of cover relevant to their circumstances as a landlord.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-landlord-2610.pdf#page=2", "page": 2, "document_sha256": "7c762f7550353e8a68cdc70f8d53096fc0131650581ce4b3954e1e9f46700ba9", "confirmed": "2026-11-13" } }, "channel": { "text": "Virgin Money Landlord Insurance is distributed only through: • Virgin Money Insurance’s website virginmoney.com.au/insurance • Virgin Money Insurance's contact centre by calling 1300 862 860", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-landlord-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Virgin Money Landlord Insurance is distributed only through: • Virgin Money Insurance’s website virginmoney.com.au/insurance • Virgin Money Insurance's contact centre by calling 1300 862 860", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-landlord-2610.pdf#page=7", "page": 7, "document_sha256": "7c762f7550353e8a68cdc70f8d53096fc0131650581ce4b3954e1e9f46700ba9", "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://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-landlord-2610.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://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-landlord-2610.pdf#page=1", "page": 1, "document_sha256": "c1370878a269312e4ec06e562ff80e20b2da077c8b62937f2f5c6e452df9b3c9", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood Yes You're not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-landlord-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood Yes You're not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-landlord-2610.pdf#page=1", "page": 1, "document_sha256": "c1370878a269312e4ec06e562ff80e20b2da077c8b62937f2f5c6e452df9b3c9", "confirmed": "2026-11-13" } }, "eligibility": { "text": "The product is designed for people who own a residential rental property and want to be covered against financial loss caused by a range of incidents involving their rental property and/or their contents (including certain risks associated with having a tenant) and are seeking an appropriate level of cover relevant to their circumstances as a landlord.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-landlord-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The product is designed for people who own a residential rental property and want to be covered against financial loss caused by a range of incidents involving their rental property and/or their contents (including certain risks associated with having a tenant) and are seeking an appropriate level of cover relevant to their circumstances as a landlord.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-landlord-2610.pdf#page=2", "page": 2, "document_sha256": "7c762f7550353e8a68cdc70f8d53096fc0131650581ce4b3954e1e9f46700ba9", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "If your rental property is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-landlord-VMALL-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If your rental property is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-landlord-VMALL-2610.pdf#page=75", "page": 75, "document_sha256": "4b5b06d348e4eb5e054a0783852d198f084dc62fdb74e2920757780e3511bee1", "confirmed": "2026-11-13" } } }, "conditions": [ "Landlord building cover includes accidental damage, malicious damage or theft by a tenant as an included benefit; accidental damage by others is not stated as covered or optional in the Key Facts Sheet." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": 1500, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Also counts as unoccupied if someone stays less than one night a week on average during the 60 days.", "then": null, "label": "Extra $1,500 excess after 60 days" }, "id": "landlord-insurance-building", "type_label": "Landlord", "issuers": [ { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "lloyds": false, "slug": "zurich-australian-insurance", "apra": { "status": "authorised", "name": "Zurich Australian 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": "232507", "name": "ZURICH AUSTRALIAN INSURANCE LIMITED", "abn": "13000296640", "acn": null, "licensed_since": "2004-01-31", "locality": "North Sydney NSW 2060", "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": "The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640 (\"ZAIL\", \"we\", \"us\", \"our\", or \"insurer\"), AFSL 232507.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-household-VMAHH-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640 (\"ZAIL\", \"we\", \"us\", \"our\", or \"insurer\"), AFSL 232507.", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-household-VMAHH-2610.pdf#page=2", "page": 2, "document_sha256": "238c309b9a485eaf3b12be78a93b58e86807b6e69ce1e4e56a254c89ae34e723", "confirmed": "2026-11-13" } }, "distributor": { "text": "Insurance administered by Honey Insurance Pty Ltd (ABN 52 643 672 628, AFSL 528244) on behalf of the product issuer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507).", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-household-VMAHH-2610.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Insurance administered by Honey Insurance Pty Ltd (ABN 52 643 672 628, AFSL 528244) on behalf of the product issuer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507).", "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-household-VMAHH-2610.pdf#page=14", "page": 14, "document_sha256": "238c309b9a485eaf3b12be78a93b58e86807b6e69ce1e4e56a254c89ae34e723", "confirmed": "2026-11-13" } } }, "curation_notes": "Virgin Money home insurance is no longer an Auto & General product: the October 2026 PDS says it is issued by Zurich Australian Insurance Limited and administered by Honey Insurance Pty Ltd; Virgin Money Australia (a division of Bank of Queensland Limited) does not issue or guarantee it. Auto & General still lists legacy Virgin Money home documents for existing policies. Same product as Honey with Virgin Money branding.", "segments": [ "residential" ], "issuers": [ { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "lloyds": false, "slug": "zurich-australian-insurance", "apra": { "status": "authorised", "name": "Zurich Australian 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": "232507", "name": "ZURICH AUSTRALIAN INSURANCE LIMITED", "abn": "13000296640", "acn": null, "licensed_since": "2004-01-31", "locality": "North Sydney NSW 2060", "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": "528244", "name": "HONEY INSURANCE PTY LTD", "abn": "52643672628", "acn": null, "licensed_since": "2021-04-30", "locality": "The Rocks 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" } }, "page": "https://deepalmanac.com/au/insurance/building/virgin-money/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/virgin-money.json" }, { "slug": "westpac", "name": "Westpac", "website": "https://www.westpac.com.au/", "kind": "brand", "underwriter": "Allianz Australia Insurance Limited", "underwriter_abn": "15000122850", "underwriter_afsl": "234708", "lloyds": false, "distributor": { "name": "Westpac Banking Corporation (Westpac)", "abn": "33007457141", "afsl": "233714", "authorised_representative_no": null }, "products": [ { "name": "Westpac Home Insurance (home and contents policy, building cover)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Home & Contents Insurance Product Disclosure Statement", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/FSR_HomeContentInsPDS.pdf", "date": "2021-11-21" }, { "title": "Key Facts Sheet - Home Building", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/insurance/wbc-home-building-kfs.pdf", "date": "2021-09-01" } ], "quotes": { "product": { "text": "Compare Westpac's award-winning Home Insurance, provided by Allianz.", "url": "https://www.westpac.com.au/personal-banking/insurance/home-insurance/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Compare Westpac's award-winning Home Insurance, provided by Allianz.", "url": "https://www.westpac.com.au/personal-banking/insurance/home-insurance/#:~:text=Compare%20Westpac%27s%20award%2Dwinning%20Home%20Insurance%2C%20provided%20by%20Allianz.", "document_sha256": "8e1889bf26bc96929f0307332563631905596e9344e562dbd4bec916cf6c54d5", "confirmed": "2026-11-13" } }, "channel": { "text": "Tailor your cover and get a quote in minutes, with pre-filled details to make it even easier when you sign in.", "url": "https://www.westpac.com.au/personal-banking/insurance/home-insurance/", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Tailor your cover and get a quote in minutes, with pre-filled details to make it even easier when you sign in.", "url": "https://www.westpac.com.au/personal-banking/insurance/home-insurance/#:~:text=Tailor%20your%20cover%20and%20get,easier%20when%20you%20sign%20in.", "document_sha256": "8e1889bf26bc96929f0307332563631905596e9344e562dbd4bec916cf6c54d5", "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://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/insurance/wbc-home-building-kfs.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://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/insurance/wbc-home-building-kfs.pdf#page=1", "page": 1, "document_sha256": "e96cf1106d0ad173f381586236c588d7525f4287f4491ad60e8b8f130590adeb", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood Yes Not covered for loss or damage caused by or arising out of flood (or flood water combined with run-off and rainwater) if such loss or damage occurs within 72 hours after you first take out or increase the cover under the policy.", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/insurance/wbc-home-building-kfs.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood Yes Not covered for loss or damage caused by or arising out of flood (or flood water combined with run-off and rainwater) if such loss or damage occurs within 72 hours after you first take out or increase the cover under the policy.", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/insurance/wbc-home-building-kfs.pdf#page=1", "page": 1, "document_sha256": "e96cf1106d0ad173f381586236c588d7525f4287f4491ad60e8b8f130590adeb", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "Optional covers You can also upgrade your policy to include cover for: Accidental damage", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/FSR_HomeContentInsPDS.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Optional covers You can also upgrade your policy to include cover for: Accidental damage", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/FSR_HomeContentInsPDS.pdf#page=7", "page": 7, "document_sha256": "c4faa0bfa5b8732a755a26e8e05d06a684082348d0c0fad924b431635880c296", "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.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/FSR_HomeContentInsPDS.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.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/FSR_HomeContentInsPDS.pdf#page=56", "page": 56, "document_sha256": "c4faa0bfa5b8732a755a26e8e05d06a684082348d0c0fad924b431635880c296", "confirmed": "2026-11-13" } } }, "conditions": [ "Flood is an insured event, with a 72-hour wait after you first take out or increase cover.", "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-insurance-home-and-contents-policy-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": "Westpac Landlord Insurance (building cover)", "type": "landlord", "segment": "residential", "channel": null, "online_quote": null, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": null, "levels": [], "eligibility": null, "states": null, "documents": [ { "title": "Landlord Insurance Product Disclosure Statement", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/FSR_LandlordInsPDS.pdf", "date": "2021-11-21" }, { "title": "Key Facts Sheet - Landlord Building", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/insurance/wbc-landlord-building-kfs.pdf", "date": "2021-09-01" } ], "quotes": { "product": { "text": "Landlord Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/FSR_LandlordInsPDS.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Landlord Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/FSR_LandlordInsPDS.pdf#page=2", "page": 2, "document_sha256": "ba464d1ec7baa7512409e80259990d8cd6d6ec1348bd4c5850c6e4d7c034c009", "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://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/insurance/wbc-landlord-building-kfs.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://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/insurance/wbc-landlord-building-kfs.pdf#page=1", "page": 1, "document_sha256": "c49186087f3598bb43918e568fc5ee7f9e504ab2a3a438db219563f13619bba5", "confirmed": "2026-11-13" } }, "flood": { "text": "Flood Yes Not covered for loss or damage caused by or arising out of flood (or flood water combined with run-off and rainwater) if such loss or damage occurs within 72 hours after you first take out or increase the cover under the policy.", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/insurance/wbc-landlord-building-kfs.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Flood Yes Not covered for loss or damage caused by or arising out of flood (or flood water combined with run-off and rainwater) if such loss or damage occurs within 72 hours after you first take out or increase the cover under the policy.", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/insurance/wbc-landlord-building-kfs.pdf#page=1", "page": 1, "document_sha256": "c49186087f3598bb43918e568fc5ee7f9e504ab2a3a438db219563f13619bba5", "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.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/FSR_LandlordInsPDS.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.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/FSR_LandlordInsPDS.pdf#page=54", "page": 54, "document_sha256": "ba464d1ec7baa7512409e80259990d8cd6d6ec1348bd4c5850c6e4d7c034c009", "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": "Home & Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/FSR_HomeContentInsPDS.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Home & Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/FSR_HomeContentInsPDS.pdf#page=2", "page": 2, "document_sha256": "c4faa0bfa5b8732a755a26e8e05d06a684082348d0c0fad924b431635880c296", "confirmed": "2026-11-13" } }, "distributor": { "text": "Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 arranges the insurance, but does not guarantee the insurance.", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/FSR_HomeContentInsPDS.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 arranges the insurance, but does not guarantee the insurance.", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/FSR_HomeContentInsPDS.pdf#page=2", "page": 2, "document_sha256": "c4faa0bfa5b8732a755a26e8e05d06a684082348d0c0fad924b431635880c296", "confirmed": "2026-11-13" } } }, "curation_notes": "The PDS and key facts sheets on the Westpac Group sites read as 2021 documents (PDS effective 21 November 2021, key facts sheets prepared 1 September 2021) although the page labels them as applying to policies from 21 December 2025 and a pre-21Dec2025 copy is also linked. Westpac, St.George, Bank of Melbourne and BankSA all use the same Allianz policy.", "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": "233714", "name": "WESTPAC BANKING CORPORATION", "abn": "33007457141", "acn": null, "licensed_since": "2004-02-09", "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" } }, "page": "https://deepalmanac.com/au/insurance/building/westpac/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/westpac.json" }, { "slug": "wfi", "name": "WFI", "website": "https://www.wfi.com.au/", "kind": "brand", "underwriter": "CGU Australia Pty Ltd", "underwriter_abn": "62004478960", "underwriter_afsl": "700014", "lloyds": false, "distributor": null, "products": [ { "name": "WFI Private Plan - Classic Home (buildings)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": false, "cover_basis": "sum_insured_buffer", "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": "included", "levels": [ "Classic Home", "Standard Home" ], "eligibility": "Private residential buildings (free standing house, townhouse, villa, duplex, semi-detached or terrace) that are not under a registered body corporate; primary residence, holiday home, or occasional short-term rental subject to acceptance criteria.", "states": null, "documents": [ { "title": "WFI Private Plan Product Disclosure Statement (PDS prepared 29 February 2024, with SPDS)", "url": "https://www.wfi.com.au/documents/personal/private-plan/pds", "date": "2024-02-29" }, { "title": "Key Facts Sheet - Classic Buildings", "url": "https://www.wfi.com.au/documents/home/home-building-classic/kfs", "date": "2025-10-01" }, { "title": "Target Market Determination TMDPP001", "url": "https://www.iag.com.au/tmd/TMDPP001", "date": "2025-10-01" } ], "quotes": { "product": { "text": "Home owners can choose from either the Classic Home policy or the Standard Home policy.", "url": "https://www.wfi.com.au/personal-insurance/home", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Home owners can choose from either the Classic Home policy or the Standard Home policy.", "url": "https://www.wfi.com.au/personal-insurance/home#:~:text=Home%20owners%20can%20choose%20from,or%20the%20Standard%20Home%20policy.", "document_sha256": "59a6f88a9716dbc454e22ef44a7f78c7e32eafae9a526de40b8735d3e58cf101", "confirmed": "2026-11-13" } }, "channel": { "text": "This product is designed to be distributed by us or our distributors by any of the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency or premises visit)", "url": "https://www.iag.com.au/tmd/TMDPP001", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This product is designed to be distributed by us or our distributors by any of the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency or premises visit)", "url": "https://www.iag.com.au/tmd/TMDPP001#page=4", "page": 4, "document_sha256": "ca0fca71466615e101a8525236815b3d6f3bd3d1aa3a4ca18c7f91db0723fca4", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and the insurer may provide you with some agreed extra cover above that amount (Sum insured plus safety net).", "url": "https://www.wfi.com.au/documents/home/home-building-classic/kfs", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Under this policy you set the maximum level of cover and the insurer may provide you with some agreed extra cover above that amount (Sum insured plus safety net).", "url": "https://www.wfi.com.au/documents/home/home-building-classic/kfs#page=1", "page": 1, "document_sha256": "3b265f7720ac86f16c3a4b3bc5deaa063cb0475e6f0f4b6ede45545abbf7be86", "confirmed": "2026-11-13" } }, "flood": { "text": "Excludes damage by flood if you have chosen not to have flood cover.", "url": "https://www.wfi.com.au/documents/home/home-building-classic/kfs", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Excludes damage by flood if you have chosen not to have flood cover.", "url": "https://www.wfi.com.au/documents/home/home-building-classic/kfs#page=1", "page": 1, "document_sha256": "3b265f7720ac86f16c3a4b3bc5deaa063cb0475e6f0f4b6ede45545abbf7be86", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex • Semi-detached house or terrace", "url": "https://www.iag.com.au/tmd/TMDPP001", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex • Semi-detached house or terrace", "url": "https://www.iag.com.au/tmd/TMDPP001#page=1", "page": 1, "document_sha256": "ca0fca71466615e101a8525236815b3d6f3bd3d1aa3a4ca18c7f91db0723fca4", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "This policy insures You against Accidental damage, burglary and theft occurring during the Period of Insurance.", "url": "https://www.wfi.com.au/documents/personal/private-plan/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This policy insures You against Accidental damage, burglary and theft occurring during the Period of Insurance.", "url": "https://www.wfi.com.au/documents/personal/private-plan/pds#page=27", "page": 27, "document_sha256": "5715dd90c4e17bc1f7490e409fec92d5c4352de905312d3289094bc6358c3dbf", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "This policy does not provide any insurance if at the time the loss or damage occurs, Your Home is unoccupied and has been so unoccupied for at least 90 consecutive days before the loss or damage unless:", "url": "https://www.wfi.com.au/documents/personal/private-plan/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This policy does not provide any insurance if at the time the loss or damage occurs, Your Home is unoccupied and has been so unoccupied for at least 90 consecutive days before the loss or damage unless:", "url": "https://www.wfi.com.au/documents/personal/private-plan/pds#page=34", "page": 34, "document_sha256": "5715dd90c4e17bc1f7490e409fec92d5c4352de905312d3289094bc6358c3dbf", "confirmed": "2026-11-13" } } }, "conditions": [ "Flood is included unless the customer chooses to opt out; the web page says 'Flood is included up to the sum insured of the building and contents unless the choice to opt out of Flood cover has been taken'.", "Quote is a request for a call back from a WFI area manager or client service team, not an instant online price.", "Safety-net percentage for buildings was not stated in the Key Facts Sheet." ], "unoccupied": { "days": 90, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unless you tell WFI before the 90 days begin, it agrees to keep insuring you, and all gates, doors and windows are kept locked.", "then": null, "label": "No cover after 90 days" }, "id": "private-plan-classic-home-buildings", "type_label": "Home building", "issuers": [ { "name": "CGU Australia Pty Ltd", "abn": "62004478960", "afsl": "700014", "lloyds": false, "slug": "cgu-australia", "apra": { "status": "authorised", "name": "CGU Australia Pty Ltd", "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": "700014", "name": "CGU AUSTRALIA PTY LTD", "abn": "62004478960", "acn": null, "licensed_since": "2025-05-09", "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" }, "general_insurance": true, "disagreements": [] } } ] }, { "name": "WFI Private Plan - Standard Home (buildings)", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": false, "cover_basis": "sum_insured_buffer", "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": null, "levels": [ "Classic Home", "Standard Home" ], "eligibility": "Private residential buildings (free standing house, townhouse, villa, duplex, semi-detached or terrace) that are not under a registered body corporate; primary residence, holiday home, or occasional short-term rental subject to acceptance criteria.", "states": null, "documents": [ { "title": "WFI Private Plan Product Disclosure Statement (PDS prepared 29 February 2024, with SPDS)", "url": "https://www.wfi.com.au/documents/personal/private-plan/pds", "date": "2024-02-29" }, { "title": "Key Facts Sheet - Standard Buildings", "url": "https://www.wfi.com.au/documents/home/building-standard/kfs", "date": "2025-10-01" }, { "title": "Target Market Determination TMDPP001", "url": "https://www.iag.com.au/tmd/TMDPP001", "date": "2025-10-01" } ], "quotes": { "product": { "text": "Home owners can choose from either the Classic Home policy or the Standard Home policy.", "url": "https://www.wfi.com.au/personal-insurance/home", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Home owners can choose from either the Classic Home policy or the Standard Home policy.", "url": "https://www.wfi.com.au/personal-insurance/home#:~:text=Home%20owners%20can%20choose%20from,or%20the%20Standard%20Home%20policy.", "document_sha256": "59a6f88a9716dbc454e22ef44a7f78c7e32eafae9a526de40b8735d3e58cf101", "confirmed": "2026-11-13" } }, "channel": { "text": "This product is designed to be distributed by us or our distributors by any of the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency or premises visit)", "url": "https://www.iag.com.au/tmd/TMDPP001", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This product is designed to be distributed by us or our distributors by any of the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency or premises visit)", "url": "https://www.iag.com.au/tmd/TMDPP001#page=4", "page": 4, "document_sha256": "ca0fca71466615e101a8525236815b3d6f3bd3d1aa3a4ca18c7f91db0723fca4", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "Under this policy you set the maximum level of cover and the insurer may provide you with some agreed extra cover above that amount (Sum insured plus safety net).", "url": "https://www.wfi.com.au/documents/home/building-standard/kfs", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Under this policy you set the maximum level of cover and the insurer may provide you with some agreed extra cover above that amount (Sum insured plus safety net).", "url": "https://www.wfi.com.au/documents/home/building-standard/kfs#page=1", "page": 1, "document_sha256": "e92343391a04c5d3319a002727b4ab31680a376a094624ff3976dc22f1d6fc59", "confirmed": "2026-11-13" } }, "flood": { "text": "Excludes damage by flood if you have chosen not to have flood cover.", "url": "https://www.wfi.com.au/documents/home/building-standard/kfs", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Excludes damage by flood if you have chosen not to have flood cover.", "url": "https://www.wfi.com.au/documents/home/building-standard/kfs#page=1", "page": 1, "document_sha256": "e92343391a04c5d3319a002727b4ab31680a376a094624ff3976dc22f1d6fc59", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex • Semi-detached house or terrace", "url": "https://www.iag.com.au/tmd/TMDPP001", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex • Semi-detached house or terrace", "url": "https://www.iag.com.au/tmd/TMDPP001#page=1", "page": 1, "document_sha256": "ca0fca71466615e101a8525236815b3d6f3bd3d1aa3a4ca18c7f91db0723fca4", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "This policy does not provide any insurance if at the time the loss or damage occurs, Your Home is unoccupied and has been so unoccupied for at least 90 consecutive days before the loss or damage unless:", "url": "https://www.wfi.com.au/documents/personal/private-plan/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This policy does not provide any insurance if at the time the loss or damage occurs, Your Home is unoccupied and has been so unoccupied for at least 90 consecutive days before the loss or damage unless:", "url": "https://www.wfi.com.au/documents/personal/private-plan/pds#page=34", "page": 34, "document_sha256": "5715dd90c4e17bc1f7490e409fec92d5c4352de905312d3289094bc6358c3dbf", "confirmed": "2026-11-13" } } }, "conditions": [ "Flood is included unless the customer chooses to opt out; the web page says 'Flood is included up to the sum insured of the building and contents unless the choice to opt out of Flood cover has been taken'.", "Quote is a request for a call back from a WFI area manager or client service team, not an instant online price.", "Safety-net percentage for buildings was not stated in the Key Facts Sheet.", "Standard Home covers a list of defined events (fire, lightning, burglary, theft, storm); the Key Facts Sheet shows only accidental breakage of fixed glass and fixtures, so general accidental damage is recorded as null." ], "unoccupied": { "days": 90, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unless you tell WFI before the 90 days begin, it agrees to keep insuring you, and all gates, doors and windows are kept locked.", "then": null, "label": "No cover after 90 days" }, "id": "private-plan-standard-home-buildings", "type_label": "Home building", "issuers": [ { "name": "CGU Australia Pty Ltd", "abn": "62004478960", "afsl": "700014", "lloyds": false, "slug": "cgu-australia", "apra": { "status": "authorised", "name": "CGU Australia Pty Ltd", "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": "700014", "name": "CGU AUSTRALIA PTY LTD", "abn": "62004478960", "acn": null, "licensed_since": "2025-05-09", "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" }, "general_insurance": true, "disagreements": [] } } ] }, { "name": "WFI Landlord Plan - Landlord building and contents policy (buildings)", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": false, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included_can_remove", "accidental_damage": "optional", "levels": [], "eligibility": "Private residential buildings (free standing house, townhouse, villa, duplex, semi-detached or terrace) rented out to tenants; buildings under a registered body corporate are not eligible.", "states": null, "documents": [ { "title": "WFI Landlord Plan Product Disclosure Statement (prepared 29 February 2024; SPDS 1 October 2025 changes insurer to CGU Australia Pty Ltd)", "url": "https://www.wfi.com.au/documents/personal/landlord/pds", "date": "2024-02-29" }, { "title": "Target Market Determination TMDLBC002", "url": "https://www.iag.com.au/tmd/TMDLBC002", "date": "2025-10-01" } ], "quotes": { "product": { "text": "WFI Landlord Plan consists of three different policies offering a range of optional benefits.", "url": "https://www.wfi.com.au/personal-insurance/landlord", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "WFI Landlord Plan consists of three different policies offering a range of optional benefits.", "url": "https://www.wfi.com.au/personal-insurance/landlord#:~:text=WFI%20Landlord%20Plan%20consists%20of,a%20range%20of%20optional%20benefits.", "document_sha256": "894ebd95808f9510eabb0a71de1a8bf33e73c51a6a0891e741d6295a3623a606", "confirmed": "2026-11-13" } }, "channel": { "text": "This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency, or premises visit)", "url": "https://www.iag.com.au/tmd/TMDLBC002", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency, or premises visit)", "url": "https://www.iag.com.au/tmd/TMDLBC002#page=3", "page": 3, "document_sha256": "159be3d208f1356007a6d4d3a19b15e6bbae4c7f5344ea1250b5257d9d2201e5", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "The maximum amount We pay is the sum insured or other limit of insurance cover inclusive of any relevant GST component.", "url": "https://www.wfi.com.au/documents/personal/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The maximum amount We pay is the sum insured or other limit of insurance cover inclusive of any relevant GST component.", "url": "https://www.wfi.com.au/documents/personal/landlord/pds#page=9", "page": 9, "document_sha256": "e15dfcfcd6bb014ad8ac7515dc4bda1b468823d97790c67fe1385046661cb084", "confirmed": "2026-11-13" } }, "flood": { "text": "The Landlord building and contents policy in this Plan provides cover for damage caused by Flood unless You choose to remove Flood cover from it.", "url": "https://www.wfi.com.au/documents/personal/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Landlord building and contents policy in this Plan provides cover for damage caused by Flood unless You choose to remove Flood cover from it.", "url": "https://www.wfi.com.au/documents/personal/landlord/pds#page=12", "page": 12, "document_sha256": "e15dfcfcd6bb014ad8ac7515dc4bda1b468823d97790c67fe1385046661cb084", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "You can choose to insure against events such as fire, storm, theft and vandalism, or against accidental damage.", "url": "https://www.wfi.com.au/personal-insurance/landlord", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "You can choose to insure against events such as fire, storm, theft and vandalism, or against accidental damage.", "url": "https://www.wfi.com.au/personal-insurance/landlord#:~:text=You%20can%20choose%20to%20insure,vandalism%2C%20or%20against%20accidental%20damage.", "document_sha256": "894ebd95808f9510eabb0a71de1a8bf33e73c51a6a0891e741d6295a3623a606", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex • Semi-detached house or terrace", "url": "https://www.iag.com.au/tmd/TMDLBC002", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex • Semi-detached house or terrace", "url": "https://www.iag.com.au/tmd/TMDLBC002#page=1", "page": 1, "document_sha256": "159be3d208f1356007a6d4d3a19b15e6bbae4c7f5344ea1250b5257d9d2201e5", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "This policy does not insure You if at the time the loss or damage occurs the Domestic Building is unoccupied and has been so unoccupied for at least 90 consecutive days before the loss or damage, unless You:", "url": "https://www.wfi.com.au/documents/personal/landlord/pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This policy does not insure You if at the time the loss or damage occurs the Domestic Building is unoccupied and has been so unoccupied for at least 90 consecutive days before the loss or damage, unless You:", "url": "https://www.wfi.com.au/documents/personal/landlord/pds#page=31", "page": 31, "document_sha256": "e15dfcfcd6bb014ad8ac7515dc4bda1b468823d97790c67fe1385046661cb084", "confirmed": "2026-11-13" } } }, "conditions": [ "Customer chooses defined events cover or accidental damage cover for the building.", "Flood cover can be removed by the customer.", "Optional benefits include tenant damage, tenant rent default and loss of rent." ], "unoccupied": { "days": 90, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unless you tell WFI before the 90 days begin, it agrees to keep insuring you, and all gates, doors and windows are kept locked.", "then": null, "label": "No cover after 90 days" }, "id": "landlord-plan-landlord-building-and-contents-policy-buildings", "type_label": "Landlord", "issuers": [ { "name": "CGU Australia Pty Ltd", "abn": "62004478960", "afsl": "700014", "lloyds": false, "slug": "cgu-australia", "apra": { "status": "authorised", "name": "CGU Australia Pty Ltd", "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": "700014", "name": "CGU AUSTRALIA PTY LTD", "abn": "62004478960", "acn": null, "licensed_since": "2025-05-09", "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" }, "general_insurance": true, "disagreements": [] } } ] } ], "quotes": { "underwriter": { "text": "Insurance issued by CGU Australia Pty Ltd ABN 62 004 478 960 AFSL 700014 trading as WFI.", "url": "https://www.wfi.com.au/personal-insurance/home", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Insurance issued by CGU Australia Pty Ltd ABN 62 004 478 960 AFSL 700014 trading as WFI.", "url": "https://www.wfi.com.au/personal-insurance/home#:~:text=Insurance%20issued%20by%20CGU%20Australia,AFSL%20700014%20trading%20as%20WFI.", "document_sha256": "59a6f88a9716dbc454e22ef44a7f78c7e32eafae9a526de40b8735d3e58cf101", "confirmed": "2026-11-13" } } }, "curation_notes": "WFI is mainly a farm and business insurer; only its personal Private Plan (home) and Landlord Plan are residential building products and are listed here. The PDS documents (dated 29 February 2024) still name Insurance Australia Limited ABN 11 000 016 722 as insurer; a Supplementary PDS effective 1 October 2025 replaced it with CGU Australia Pty Ltd, and the 1 October 2025 TMDs name CGU Australia Pty Ltd as issuer. The Private Plan PDS file bundled several SPDSs and the Private Plan also covers cars and valuables. WFI's farm/rural, business and lifestyle farm products are out of scope.", "segments": [ "residential" ], "issuers": [ { "name": "CGU Australia Pty Ltd", "abn": "62004478960", "afsl": "700014", "lloyds": false, "slug": "cgu-australia", "apra": { "status": "authorised", "name": "CGU Australia Pty Ltd", "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": "700014", "name": "CGU AUSTRALIA PTY LTD", "abn": "62004478960", "acn": null, "licensed_since": "2025-05-09", "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" }, "general_insurance": true, "disagreements": [] } } ], "distributor_licence": null, "page": "https://deepalmanac.com/au/insurance/building/wfi/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/wfi.json" }, { "slug": "youi", "name": "Youi", "website": "https://www.youi.com.au/", "kind": "insurer", "underwriter": "Youi Pty Ltd", "underwriter_abn": "79123074733", "underwriter_afsl": "316511", "lloyds": false, "distributor": null, "products": [ { "name": "Youi Building Insurance", "type": "home_building", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": "Homeowners (owner-occupiers or landlords) of freestanding homes and similar; not apartments/units or strata buildings.", "states": null, "documents": [ { "title": "Home Insurance Product Disclosure Statement (buildings, contents, landlord)", "url": "https://www.youi.com.au/documents/home-pds", "date": "2026-07-01" }, { "title": "Home Target Market Determination", "url": "https://www.youi.com.au/tmd/home-insurance", "date": "2026-07-01" } ], "quotes": { "product": { "text": "Buildings Insurance is one of the covers available for purchase through Youi's Home Insurance product.", "url": "https://www.youi.com.au/tmd/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Buildings Insurance is one of the covers available for purchase through Youi's Home Insurance product.", "url": "https://www.youi.com.au/tmd/home-insurance#page=3", "page": 3, "document_sha256": "3d0dc9c36a776082b6490e286cafd35c95d36e134955ddf293da7cc78702e06d", "confirmed": "2026-11-13" } }, "channel": { "text": "Youi Buildings and/or Contents Insurance can only be purchased from the Youi website or contact centre.", "url": "https://www.youi.com.au/tmd/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Youi Buildings and/or Contents Insurance can only be purchased from the Youi website or contact centre.", "url": "https://www.youi.com.au/tmd/home-insurance#page=11", "page": 11, "document_sha256": "3d0dc9c36a776082b6490e286cafd35c95d36e134955ddf293da7cc78702e06d", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "you select an overall current replacement value for buildings and for contents.", "url": "https://www.youi.com.au/documents/home-pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "you select an overall current replacement value for buildings and for contents.", "url": "https://www.youi.com.au/documents/home-pds#page=26", "page": 26, "document_sha256": "b8eb95f87c95fac21051e4dbf2eabcc46b7815004ef9124ad5a33bf0fbb73468", "confirmed": "2026-11-13" } }, "flood": { "text": "With cover for theft, fire, earthquakes, floods, storms and much more", "url": "https://www.youi.com.au/home-insurance/building", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "With cover for theft, fire, earthquakes, floods, storms and much more", "url": "https://www.youi.com.au/home-insurance/building#:~:text=With%20cover%20for%20theft%2C%20fire%2C,floods%2C%20storms%20and%20much%20more", "document_sha256": "e16c5a0543b6393bf9f7545578a22478e7dc2c6184dc81c07e54838200b71bb6", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "If you have this optional cover, accidental damage to buildings is included as an insured event.", "url": "https://www.youi.com.au/documents/home-pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If you have this optional cover, accidental damage to buildings is included as an insured event.", "url": "https://www.youi.com.au/documents/home-pds#page=54", "page": 54, "document_sha256": "b8eb95f87c95fac21051e4dbf2eabcc46b7815004ef9124ad5a33bf0fbb73468", "confirmed": "2026-11-13" } }, "eligibility": { "text": "The Youi Buildings Insurance product has been designed for homeowners and those with a financial interest in the home who may experience a financial burden should an event damage their home or legal liability arise because of an incident at their home.", "url": "https://www.youi.com.au/tmd/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The Youi Buildings Insurance product has been designed for homeowners and those with a financial interest in the home who may experience a financial burden should an event damage their home or legal liability arise because of an incident at their home.", "url": "https://www.youi.com.au/tmd/home-insurance#page=3", "page": 3, "document_sha256": "3d0dc9c36a776082b6490e286cafd35c95d36e134955ddf293da7cc78702e06d", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "An additional excess applies if at the time of the incident covered by your policy the premises has been unoccupied for more than 60 continuous days.", "url": "https://www.youi.com.au/documents/home-pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "An additional excess applies if at the time of the incident covered by your policy the premises has been unoccupied for more than 60 continuous days.", "url": "https://www.youi.com.au/documents/home-pds#page=76", "page": 76, "document_sha256": "b8eb95f87c95fac21051e4dbf2eabcc46b7815004ef9124ad5a33bf0fbb73468", "confirmed": "2026-11-13" } } }, "conditions": [ "Buildings Accidental Damage is an optional extra that can only be added if you have buildings cover with Youi.", "Not suitable for apartments or units, or buildings under strata/body corporate title." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unoccupied means no one eating, sleeping and living there with your permission, or no utilities connected. Amount shown on the policy schedule.", "then": null, "label": "Extra excess after 60 days" }, "id": "building-insurance", "type_label": "Home building", "issuers": [ { "name": "Youi Pty Ltd", "abn": "79123074733", "afsl": "316511", "lloyds": false, "slug": "youi", "apra": { "status": "authorised", "name": "Youi Pty Ltd", "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": "316511", "name": "YOUI PTY LTD", "abn": "79123074733", "acn": null, "licensed_since": "2008-03-03", "locality": "Sippy Downs QLD 4556", "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": "Youi Landlord Insurance", "type": "landlord", "segment": "residential", "channel": "direct", "online_quote": true, "cover_basis": "sum_insured", "buffer_percent": null, "flood": "included", "accidental_damage": "optional", "levels": [], "eligibility": "Homeowners who rent out all or part of the home.", "states": null, "documents": [ { "title": "Home Insurance Product Disclosure Statement (buildings, contents, landlord)", "url": "https://www.youi.com.au/documents/home-pds", "date": "2026-07-01" }, { "title": "Home Target Market Determination", "url": "https://www.youi.com.au/tmd/home-insurance", "date": "2026-07-01" } ], "quotes": { "product": { "text": "Whether you’re renting out a house, unit or apartment", "url": "https://www.youi.com.au/home-insurance/landlord", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Whether you’re renting out a house, unit or apartment", "url": "https://www.youi.com.au/home-insurance/landlord#:~:text=Whether%20you%E2%80%99re%20renting%20out%20a%20house%2C%20unit%20or%20apartment", "document_sha256": "c980b118acbe488d6b049a32242d1e52fad116fb14acf6c6711679a9a36635ad", "confirmed": "2026-11-13" } }, "channel": { "text": "Youi Buildings and/or Contents Insurance can only be purchased from the Youi website or contact centre.", "url": "https://www.youi.com.au/tmd/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Youi Buildings and/or Contents Insurance can only be purchased from the Youi website or contact centre.", "url": "https://www.youi.com.au/tmd/home-insurance#page=11", "page": 11, "document_sha256": "3d0dc9c36a776082b6490e286cafd35c95d36e134955ddf293da7cc78702e06d", "confirmed": "2026-11-13" } }, "cover_basis": { "text": "you select an overall current replacement value for buildings and for contents.", "url": "https://www.youi.com.au/documents/home-pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "you select an overall current replacement value for buildings and for contents.", "url": "https://www.youi.com.au/documents/home-pds#page=26", "page": 26, "document_sha256": "b8eb95f87c95fac21051e4dbf2eabcc46b7815004ef9124ad5a33bf0fbb73468", "confirmed": "2026-11-13" } }, "flood": { "text": "Youi’s landlord insurance covers your property for some severe weather events, such as storms and floods", "url": "https://www.youi.com.au/home-insurance/landlord", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Youi’s landlord insurance covers your property for some severe weather events, such as storms and floods", "url": "https://www.youi.com.au/home-insurance/landlord#:~:text=Youi%E2%80%99s%20landlord%20insurance%20covers%20your,such%20as%20storms%20and%20floods", "document_sha256": "c980b118acbe488d6b049a32242d1e52fad116fb14acf6c6711679a9a36635ad", "confirmed": "2026-11-13" } }, "accidental_damage": { "text": "If you have this optional cover, accidental damage to buildings is included as an insured event.", "url": "https://www.youi.com.au/documents/home-pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "If you have this optional cover, accidental damage to buildings is included as an insured event.", "url": "https://www.youi.com.au/documents/home-pds#page=54", "page": 54, "document_sha256": "b8eb95f87c95fac21051e4dbf2eabcc46b7815004ef9124ad5a33bf0fbb73468", "confirmed": "2026-11-13" } }, "eligibility": { "text": "These homeowners may be owner-occupiers or landlords (owners that rent out all or part of the home).", "url": "https://www.youi.com.au/tmd/home-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "These homeowners may be owner-occupiers or landlords (owners that rent out all or part of the home).", "url": "https://www.youi.com.au/tmd/home-insurance#page=3", "page": 3, "document_sha256": "3d0dc9c36a776082b6490e286cafd35c95d36e134955ddf293da7cc78702e06d", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "An additional excess applies if at the time of the incident covered by your policy the premises has been unoccupied for more than 60 continuous days.", "url": "https://www.youi.com.au/documents/home-pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "An additional excess applies if at the time of the incident covered by your policy the premises has been unoccupied for more than 60 continuous days.", "url": "https://www.youi.com.au/documents/home-pds#page=76", "page": 76, "document_sha256": "b8eb95f87c95fac21051e4dbf2eabcc46b7815004ef9124ad5a33bf0fbb73468", "confirmed": "2026-11-13" } } }, "conditions": [ "Landlord is a cover type within the same Youi Home Insurance PDS as Building cover; loss of rent for up to 12 months is included after an insured event." ], "unoccupied": { "days": 60, "effect": "extra_excess", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": true, "conditions": "Unoccupied means no one eating, sleeping and living there with your permission, or no utilities connected. Amount shown on the policy schedule.", "then": null, "label": "Extra excess after 60 days" }, "id": "landlord-insurance", "type_label": "Landlord", "issuers": [ { "name": "Youi Pty Ltd", "abn": "79123074733", "afsl": "316511", "lloyds": false, "slug": "youi", "apra": { "status": "authorised", "name": "Youi Pty Ltd", "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": "316511", "name": "YOUI PTY LTD", "abn": "79123074733", "acn": null, "licensed_since": "2008-03-03", "locality": "Sippy Downs QLD 4556", "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 product is issued by: Youi Pty Ltd", "url": "https://www.youi.com.au/documents/home-pds", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "This product is issued by: Youi Pty Ltd", "url": "https://www.youi.com.au/documents/home-pds#page=2", "page": 2, "document_sha256": "b8eb95f87c95fac21051e4dbf2eabcc46b7815004ef9124ad5a33bf0fbb73468", "confirmed": "2026-11-13" } } }, "curation_notes": "Youi Pty Ltd is itself an APRA-authorised insurer. One PDS (effective 1 July 2026) covers buildings, contents and landlord; the Product guide shows covered/optional as icons, so flood 'included' is taken from the web page and the Flood insured event section of the PDS.", "segments": [ "residential" ], "issuers": [ { "name": "Youi Pty Ltd", "abn": "79123074733", "afsl": "316511", "lloyds": false, "slug": "youi", "apra": { "status": "authorised", "name": "Youi Pty Ltd", "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": "316511", "name": "YOUI PTY LTD", "abn": "79123074733", "acn": null, "licensed_since": "2008-03-03", "locality": "Sippy Downs QLD 4556", "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/youi/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/youi.json" }, { "slug": "zurich", "name": "Zurich", "website": "https://www.zurich.com.au/business", "kind": "insurer", "underwriter": "Zurich Australian Insurance Limited", "underwriter_abn": "13000296640", "underwriter_afsl": "232507", "lloyds": false, "distributor": null, "products": [ { "name": "Zurich Business Insurance (Business Pack)", "type": "business_property", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Australian small-to-medium enterprises (retailers, tradespeople, professional services, hospitality, light manufacturers) wanting one consolidated policy; Property section covers buildings, stock, machinery and contents.", "states": null, "documents": [ { "title": "Zurich Business Insurance Policy Wording (ZU09881 V7 10/24)", "url": "https://www.zurich.com.au/-/media-assets/project/zurich-headless/shared/content/dam/au-documents/business-insurance/business-insurance/business-insurance-policy.pdf", "date": "2024-10-01" } ], "quotes": { "product": { "text": "Zurich Business Pack Insurance is a flexible business pack for Australian small-to-medium enterprises (SMEs) that combines property, liability, and business interruption cover in a single policy.", "url": "https://www.zurich.com.au/business/products/business-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Zurich Business Pack Insurance is a flexible business pack for Australian small-to-medium enterprises (SMEs) that combines property, liability, and business interruption cover in a single policy.", "url": "https://www.zurich.com.au/business/products/business-insurance#:~:text=Zurich%20Business%20Pack%20Insurance%20is,cover%20in%20a%20single%20policy.", "document_sha256": "65e1bd66598fa698f597993f936bf2c212969124f81d074cf4f484b84b3176e6", "confirmed": "2026-11-13" } }, "channel": { "text": "Zurich Business Insurance is available through licensed independent brokers.", "url": "https://www.zurich.com.au/business/products/business-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Zurich Business Insurance is available through licensed independent brokers.", "url": "https://www.zurich.com.au/business/products/business-insurance#:~:text=Zurich%20Business%20Insurance%20is%20available%20through%20licensed%20independent%20brokers.", "document_sha256": "65e1bd66598fa698f597993f936bf2c212969124f81d074cf4f484b84b3176e6", "confirmed": "2026-11-13" } }, "online_quote": { "text": "Zurich Business Insurance is available through licensed independent brokers.", "url": "https://www.zurich.com.au/business/products/business-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Zurich Business Insurance is available through licensed independent brokers.", "url": "https://www.zurich.com.au/business/products/business-insurance#:~:text=Zurich%20Business%20Insurance%20is%20available%20through%20licensed%20independent%20brokers.", "document_sha256": "65e1bd66598fa698f597993f936bf2c212969124f81d074cf4f484b84b3176e6", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Australian business owners, operators, and their subsidiary companies typically small-to-medium enterprises seeking one consolidated policy instead of multiple standalone covers.", "url": "https://www.zurich.com.au/business/products/business-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Australian business owners, operators, and their subsidiary companies typically small-to-medium enterprises seeking one consolidated policy instead of multiple standalone covers.", "url": "https://www.zurich.com.au/business/products/business-insurance#:~:text=Australian%20business%20owners%2C%20operators%2C%20and,instead%20of%20multiple%20standalone%20covers.", "document_sha256": "65e1bd66598fa698f597993f936bf2c212969124f81d074cf4f484b84b3176e6", "confirmed": "2026-11-13" } }, "unoccupied": { "text": "your policy does not provide any cover for the building or premises after the building or that premises has been unoccupied for more than 90 consecutive days.", "url": "https://www.zurich.com.au/-/media-assets/project/zurich-headless/shared/content/dam/au-documents/business-insurance/business-insurance/business-insurance-policy.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "your policy does not provide any cover for the building or premises after the building or that premises has been unoccupied for more than 90 consecutive days.", "url": "https://www.zurich.com.au/-/media-assets/project/zurich-headless/shared/content/dam/au-documents/business-insurance/business-insurance/business-insurance-policy.pdf#page=14", "page": 14, "document_sha256": "901ab358146d0be1e01b1860c167927275e8e6d8c16f9fa9024651efbb1a2d22", "confirmed": "2026-11-13" } } }, "conditions": [ "Cover sections are chosen on the policy schedule; the website lists Property as covering physical damage to buildings, stock, machinery and contents.", "Flood status for the Business Pack property section was not stated clearly; the wording only excludes flood damage in the first 72 hours of a policy.", "No Target Market Determination for the Business Pack appears on Zurich's TMD page (it lists accident, marine, motor and travel TMDs)." ], "unoccupied": { "days": 90, "effect": "no_cover", "excess": null, "excluded_events": null, "still_covered": "lightning, earthquake, subterranean fire, impact by vehicles, aircraft, trees or falling structures", "must_tell": null, "conditions": "Unless Zurich specifically agreed (extra premium may apply); does not apply if the building is partly occupied. Vacant counts even if furniture remains.", "then": null, "label": "No cover after 90 days (a few events excepted)" }, "id": "business-insurance-business-pack", "type_label": "Business property", "issuers": [ { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "lloyds": false, "slug": "zurich-australian-insurance", "apra": { "status": "authorised", "name": "Zurich Australian 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": "232507", "name": "ZURICH AUSTRALIAN INSURANCE LIMITED", "abn": "13000296640", "acn": null, "licensed_since": "2004-01-31", "locality": "North Sydney NSW 2060", "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": "Zurich Property Insurance", "type": "commercial_landlord", "segment": "commercial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Property owners, landlords, and businesses holding significant physical assets on-site.", "states": null, "documents": [], "quotes": { "product": { "text": "You can operate your business with confidence knowing that Zurich can help to protect your buildings and physical assets against the unexpected, including loss or damage due to fire, theft, flood and loss of rental income while repairs are made.", "url": "https://www.zurich.com.au/business/products/property-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "You can operate your business with confidence knowing that Zurich can help to protect your buildings and physical assets against the unexpected, including loss or damage due to fire, theft, flood and loss of rental income while repairs are made.", "url": "https://www.zurich.com.au/business/products/property-insurance#:~:text=You%20can%20operate%20your%20business,income%20while%20repairs%20are%20made.", "document_sha256": "bc782980a3d184c6afe491eb3f8fa13be069de0c3ab9f2cb9041123dad500e53", "confirmed": "2026-11-13" } }, "channel": { "text": "Zurich Insurance is available through independent insurance brokers who can assist you to obtain the right cover for your needs.", "url": "https://www.zurich.com.au/business/products/property-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Zurich Insurance is available through independent insurance brokers who can assist you to obtain the right cover for your needs.", "url": "https://www.zurich.com.au/business/products/property-insurance#:~:text=Zurich%20Insurance%20is%20available%20through,right%20cover%20for%20your%20needs.", "document_sha256": "bc782980a3d184c6afe491eb3f8fa13be069de0c3ab9f2cb9041123dad500e53", "confirmed": "2026-11-13" } }, "online_quote": { "text": "Zurich Insurance is available through independent insurance brokers who can assist you to obtain the right cover for your needs.", "url": "https://www.zurich.com.au/business/products/property-insurance", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Zurich Insurance is available through independent insurance brokers who can assist you to obtain the right cover for your needs.", "url": "https://www.zurich.com.au/business/products/property-insurance#:~:text=Zurich%20Insurance%20is%20available%20through,right%20cover%20for%20your%20needs.", "document_sha256": "bc782980a3d184c6afe491eb3f8fa13be069de0c3ab9f2cb9041123dad500e53", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Suitable for property owners, landlords, and businesses holding significant physical assets on-site.", "url": "https://www.zurich.com.au/business", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Suitable for property owners, landlords, and businesses holding significant physical assets on-site.", "url": "https://www.zurich.com.au/business#:~:text=Suitable%20for%20property%20owners%2C%20landlords%2C,holding%20significant%20physical%20assets%20on%2Dsite.", "document_sha256": "11fb6a16e92b8b71de9aea40deddbc382dc665137a3a27c676798254990374b1", "confirmed": "2026-11-13" } } }, "conditions": [ "No PDS or policy wording for this product is published on Zurich's site; it is placed through brokers on negotiated terms. May also be used for large industrial property." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "property-insurance", "type_label": "Commercial landlord", "issuers": [ { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "lloyds": false, "slug": "zurich-australian-insurance", "apra": { "status": "authorised", "name": "Zurich Australian 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": "232507", "name": "ZURICH AUSTRALIAN INSURANCE LIMITED", "abn": "13000296640", "acn": null, "licensed_since": "2004-01-31", "locality": "North Sydney NSW 2060", "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": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507.", "url": "https://www.zurich.com.au/-/media-assets/project/zurich-headless/shared/content/dam/au-documents/business-insurance/business-insurance/business-insurance-policy.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507.", "url": "https://www.zurich.com.au/-/media-assets/project/zurich-headless/shared/content/dam/au-documents/business-insurance/business-insurance/business-insurance-policy.pdf#page=3", "page": 3, "document_sha256": "901ab358146d0be1e01b1860c167927275e8e6d8c16f9fa9024651efbb1a2d22", "confirmed": "2026-11-13" } } }, "curation_notes": "All Zurich business insurance is placed through independent brokers. | Zurich's AFSL page lists the licensed entities; no public page found that states which entity issues the property product, so the underwriter is the general-insurance licensee on that list (Zurich Australian Insurance Limited). No public ISR wording.", "segments": [ "commercial" ], "issuers": [ { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "lloyds": false, "slug": "zurich-australian-insurance", "apra": { "status": "authorised", "name": "Zurich Australian 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": "232507", "name": "ZURICH AUSTRALIAN INSURANCE LIMITED", "abn": "13000296640", "acn": null, "licensed_since": "2004-01-31", "locality": "North Sydney NSW 2060", "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/zurich/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/zurich.json" } ] }