Police Bank and Allianz

Keeping you protected

when you need it the most

At Police Bank we do more than just look after your money. We’ve made it our business to understand your needs and to provide you with opportunities that maximise value for your dollar.

That’s why we prefer Allianz to provide you with insurance cover that offers special features, added value and policy options that you can choose to suit your lifestyle and budget.

Why choose Home & Contents Insurance through Police Bank

Life Proof

Accidental glass breakage cover included as standard

Dedicated claims support 24/7

There to support you when you need it most


Pay by the month at no extra cost^

Save with a No Claim Bonus

Get up to 30% No Claim Bonus*+ depending on your claims history

New for old replacement, regardless of age

Where we agree to replace an item it will be new for old, regardless of age


Cover for fraudulent use of lost or stolen credit cards~

Online Discount

Get up to 10% discount when you buy a home insurance policy online*

WIN $25,000 CASH


Take out a new Allianz Home Insurance policy before 28 October 2016 for your chance to win $25,000 cash.
Full terms and conditions are available at allianz.com.au/prize.

Optional Personal Effects Cover

Optional cover for portable items including smartphones, laptops and more. Police Bank can help you protect your portable valuables from accidental loss or damage both at and away from home.

You’ve worked hard for everything you own so it’s worth protecting those possessions you regularly take with you when you leave the house. Personal Effects cover is an optional cover available to you if you have contents cover.

Police Bank can offer you two types of Personal Effects cover: Specified Personal Effects for items that you specify such as your mobile phone and laptop up to the replacement value you nominate. Unspecified Personal Effects provides cover for a specific list of items including clothing, cameras and sporting equipment – you can choose the ‘per item’ and ‘per claim’ limits that best suit your needs.

Loss or Damage

Covers you for accidental loss or damage anywhere in Australia (including at your home)

Replace or Repair

Covers the cost of replacing or repairing your portable items up to the sum insured

Loss or Damage Overseas

Covers you for accidental loss or damage for up to 35 days overseas

$100 Excess

Only a $100 excess payable on personal effects claims

Protect Smartphones

Protect most smartphones away from home with Specified Personal Effects Cover from an additional $4 per month#

Further information

We also offer Landlord Insurance which can cover your buildings and/or contents for defined insured events including fire, storm, theft and even malicious damage by tenants. You also have the additional option of Rent Default and Theft by Tenant cover for peace of mind.

To join the 3 million Australians already enjoying the security of Allianz’s multi-featured products, just talk to the people you already trust with your money.

Police Bank home/contents coverage through Allianz Insurance gives you added convenience with online quoting. In less than 2 minutes, you can have a quote on home buildings and/or home contents cover. If you decide to accept your quote, you can purchase the policy simply by following a few easy, step-by-step directions.

To review the Key Facts Sheets available for our home buildings and/or contents covers click here.
To review the Key Facts Sheets available for our landlord buildings and/or contents covers click here.

Terms & Conditions

# Important Information about Personal Effects Cover – Premium amount payable in addition to your home building and/or contents premium. Calculation based on specifying a single mobile phone valued at $1,000 as a Specified Personal Effects. Current as of 01/06/2015. Please refer to your PDS for full terms and conditions.

* 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. Discounts may not be applied to the premium for optional covers such as flood (where applicable).

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

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

~ Terms, conditions, limits and exclusions apply. See the relevant PDS for details.

Allianz Terms and Conditions

Insurance Commissions

Schedule of Fees and Charges (PDF)

Financial Services Guide (PDF)

Home Insurance (Prestige) PDS

Home Insurance (Classic) PDS

Home Insurance (Vital) PDS

Landlord PDS