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Buildings and Contents Insurance

  • What do I do if I need to make a buildings and/or contents insurance claim?

    Take all reasonable precautions to prevent further loss, damage or liability. Contact the police immediately to report any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 555 030 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the home and contents insurance claims process.

  • How do I know if I have optional covers on my policy?

    You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting Credit Union SA on (08) 8202 7777). If you’re not sure whether you have added these cover options, you can check your policy schedule.

  • Am I covered for Flood?

    Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on (08) 8202 7777 to find out whether you are eligible for Flood cover. For full details of terms, conditions, limits and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement, any supplementary PDS and Home Buildings or Home Contents Key Fact Sheets (KFS).

  • How much will I be covered for?

    It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself.

    Remember, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser - so you should also be careful not to over insure.

  • I'm about to install a new kitchen and renovate my bathroom - should I notify my insurer?

    You should tell Allianz immediately if during the period of insurance your building is in the course of construction or there are any alterations, additions, demolition, repairs to, or decorations of the buildings costing more than $75,000. If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

    When Allianz receive this information, they may:

    • propose changes to the terms and conditions of your policy
    • charge you a higher premium
    • cancel your policy
    • decide not to offer to renew your policy.

    It is also important that you increase your sum insured to take into account any extensions or renovations to make sure you are adequately covered in the event of a home insurance claim.

  • What if I need help choosing the right amount of cover?

    To help you estimate the replacement value of your buildings and/or contents, you can use our Home Buildings and/or Home Contents replacement calculators.

  • Will I be covered if my drone is damaged or stolen within my home?

    Drones and other remotely or autonomously piloted aircraft used for personal use are covered if lost or stolen within your property. They are not covered when in use, used for business or when they are not at the insured address.

  • Can I cover my bike and other sporting equipment away from home?

    Yes you can cover these under the Portable Contents optional cover as Unlisted Portable Contents. However, these items will not be covered while they are being used.

  • I have changed the security on my property – do I need to let you know?

    If you are altering the security on your property you should inform us as it may change the conditions of your home insurance. This may affect your premium. 

    You must tell Allianz immediately if, during the period of insurance you remove or stop using any security devices that were specifically required by us. If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

    When Allianz receive this information, they may:

    • propose changes to the terms and conditions of your policy
    • charge you a higher premium
    • cancel your policy
    • decide not to offer to renew your policy.