Home Insurance

Whatever your style of home, you’ll want to make sure it’s protected. That’s where G&C Mutual Bank can help, with this and more:

Why choose home insurance through G&C Mutual Bank underwritten by Allianz

We’ve taken the hassle out of comparing our insurance products. Our home building and contents insurance includes a range of features and benefits designed to give you peace of mind. Whether you are looking for cover for insured events or more comprehensive cover, we can assist.
 

Our home insurance offers;

  • Up to a 30% No Claim Bonus*+
  • Pay by the month at no extra premium^
  • Dedicated claims support 24/7
  • Accidental glass breakage cover
  • Pay by the month at no extra cost
  • Combine your buildings and contents covers on the one policy to receive a further discount of up to 10%*

Choice of home insurance products

Vital Home Insurance
Protection in the event that your home is broken into or damaged by insured events such as storm, fire or earthquake.
 
Classic Insurance
This cover includes everything from our vital product plus some higher policy limits and some additional features and benefits such as cover for fusion of household electric motors.
 
Prestige Insurance
Our premium product covers you for any accidental loss or damage to your buildings and/or contents (unless we state otherwise in the policy). Other benefits include legal defence costs, cover for contents in transit and double the legal liability of our Vital product.

 

Home insurance comparison table


Key Benefits

                       
              Vital                              
               Classic            
      Prestige        

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 Type of cover                        
         Insured Events
  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Impact damage
  • Lightning or   thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage
         Insured Events
  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Impact damage
  • Lightning or   thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage
                                   
Accidental Damage                         
Additional cost of temporary accommodation
(up to 10% of contents
sum insured combined
with ‘removal of debris, professional fees, and
extra costs)
Tick
Tick
Tick
Automatic indexation of
sum insured
Tick
Tick
Tick
Compensation for death
(Up to $10,000)
Tick
Tick
Tick
Contents in open air at
the risk address
(Sub-limits for selected contents based on insured events loss or damage)
Tick
Tick Tick
Contents in safe deposit box – Accidental loss or damage, excluding theft
(Up to 20% of contents
sum insured)
Tick
Tick
Tick
Credit cards - cover for
loss or theft
Up to $2,500
Up to $5,000
Up to $5,000
Fusion of electric motors

                     -

Motors up to 10 years old
Motors up to 12 years old
Guests', visitors' and domestic helpers'
property
(Up to $5,000)                

Tick
Tick
Tick

See more benefits

                                            
                Vital                                        
               Classic                         
             Prestige
Landlords' contents           
Up to $10,000 
Up to $10,000        

-

Legal liability cover
Up to $10,000,000
Up to $20,000,000
Up to $20,000,000
Modifications to
buildings for paraplegia
& quadriplegia
(Up to $10,000)
Tick
Tick
Tick
Replacement of locks and cylinders
Up to $1,000
Up to $1,000
Up to $2,000
Security firm attendance
(Up to $500)
Tick
Tick
Tick
Spoilage of refrigerated / freezer food

-

Up to $500
No specified limit
Temporary removal of Contents from your risk address
Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing               
Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing / or up to $7,500 for contents anywhere else in Australia or NZ.
Title deeds
(Up to $2,000)
Tick

Tick
Veterinary costs
(Up to $500)
Tick
Tick
Tick
                                     

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This information about insurance cover is a summary only.  You should consider whether this insurance product is suitable for your circumstances and consider the Policy Document (Product Disclosure Statement) (‘PDS’) for Vital Home Insurance, Classic Home Insurance and Prestige Home Insurance

How to claim

To make a home insurance claim online:

Online, any time

The fastest, easiest way is via our online claim form. You can submit your home insurance claim notification 24 hours a day, 7 days a week, whenever it suits you.

It takes less than 10 minutes to complete the online claim form and once we receive it, one of our friendly claims consultants will contact you as soon as possible.

  • Secure form
  • There are no phone queues
  • Immediate confirmation number for your reference
  • You can submit your home insurance claim form 24 hours a day, 7 days a week

 Submit your claim to our underwriter via the online claim form 


Over the phone - 24 hours a day, 7 days a week claims hotline

Alternatively, you can call Allianz on 1300 555 013 and one of their friendly consultants will take you through the claims process.



G&C Mutual Bank arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850
AFSL No 234708. 

We do not provide advice on this insurance based on any consideration of your objectives, financial position or need. Policy terms, conditions, limits, exclusion and underwriting criteria apply. Before making a decision please consider the relevant Product Disclosure Statement

* Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements.

+To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus.

^Premiums payable by installments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

# Important Information about Personal Effects Cover