Before you enter this insurance with us, you have a duty of disclosure under the Insurance Contracts Act
1984 that applies until the contract is entered into.
When answering our specific questions that are relevant to our decision whether to accept the risk of the
insurance and, if so, on what terms, you must be honest and disclose to us anything that you know and that a
reasonable person in the circumstances would include in answer to the questions.
It is important that you understand you are answering our questions in this way for yourself and anyone
else that you want to be covered by the contract.
If you fail to comply with your duty of disclosure, we may be entitled to reduce our liability under the
contract in respect of a claim, cancel the contract, or both.
If your non-disclosure is fraudulent, we may also have the option of avoiding the contract from its
PLEASE READ CAREFULLY the following conditions which govern your access to and use of this online
Note: This must be within 30 days of today's date
You should select the amount it would cost to fully rebuild your home if it were totally destroyed e.g. by fire. This amount is known as your sum insured and should include the cost of replacing:
any structural improvements such as walls, driveways, fences, patios, awnings, swimming pools etc.
any permanent fixtures such as light fittings, built-in wardrobes, fitted kitchens and ceiling, wall or floor coverings (but not carpets which are considered 'contents').
To help you calculate the estimated value of your home, use our Home Buildings Calculator
Do not include the land value or the replacement value of your contents.
The insurer is Allianz Australia Insurance Limited ABN 15 000 122 850
AFS Licence No. 234708