Whatever your style of home, you 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.

  • Up to a 30% No Claim Bonus1, 2
  • Pay by the month at no extra premium1
  • 24/7 online claims lodgement
  • Accidental glass breakage cover
  • Combine your buildings and contents covers on the one policy to receive a further discount of up to 10%3

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.

 

Premium 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.

Online, any time

The fastest, easiest way is via the online claim form. You can submit your 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
  • No phone queues
  • Immediate confirmation number for your reference

Over the phone 

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

  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) Yes Yes Yes
Automatic indexation of sum insured Yes Yes Yes
Compensation for death (Up to $10,000) Yes Yes Yes
Contents in open air* at the risk address (Sub-limits for selected contents based on insured events loss or damage) Yes Yes Yes
Contents in safe deposit box* - Accidental loss or damage, excluding theft (Up to 20% of contents sum insured) Yes Yes Yes
Credit cards* - cover for loss or theft Up to $2,500 Up to $5,000 Up to $5,000
Fusion of electric motors No Motors up to 10 years old Motors up to 12 years old
Guests', visitors' and domestic helpers' property (Up to $5,000) Yes Yes Yes
Landlords' contents** Up to $10,000 Up to $10,000 No
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) Yes Yes Yes
Replacement of locks and cylinders Up to $1,000 Up to $1,000 Up to $2,000
Security firms attendance* (Up to $500) Yes Yes Yes
Spoilage of refrigerated / freezer food~ No 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) Yes No Yes
Veterinary costs* (Up to $500) Yes Yes Yes
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G&C Mutual Bank arranges/and or refers 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

* Applicable on contents coverage. 

** Applicable only when this policy only insures building.

1. Minimum premiums may apply.
If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means the effect of applying any subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts. Discounts do not apply to taxes or government charges. No discounts are applied to optional cover; Domestic Workers Compensation (if available and selected).
Any discounts/entitlements may be subject to rounding and only apply to the extent that any minimum premium is not reached. Minimum premiums may apply.

2. Up to 30% No Claim Bonus
When you take out a new policy, we calculate your No Claims Bonus based on you home insurance claims history. To qualify for the maximum No Claim Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding five years. However, customers who have had claims may still qualify for a reduced No Claim Bonus.
After each claim-free year, the No Claim Bonus discount applied to your renewal premium will be increased by 10%, to a maximum of 30%. However, for every claim you make in a year, the No Claim Bonus discount applied to your renewal premium will be reduced by 10% - to a minimum of 0%. The No Claim Bonus discount is applied to some optional covers if selected; Motor burnout and Accidental damage, but not Flood or Portable contents cover.

3. A discount of up to 10% for combining Buildings and Contents covers on one policy is applied for Building and Contents, Motor burnout and Accidental damage where you have selected these covers, but not Flood or Portable contents cover.

^ Premiums payable by instalments 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

~ Up to contents sum insured, if the event causing the spoilage of perishable food is declared a natural disaster by the government or the Insurance Council of Australia, the maximum amount paid is $500.