G&C Mutual Bank gives you the confidence to having the right insurance protection for your investment property and its contents.
You have worked hard to establish your investment property and the income it provides. That is why protection for your investment property is essential.
Enjoy peace of mind with our optional Rent Default and Theft by Tenant cover (includes cover for associated legal costs)
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|Accidental breakage of glass||Yes||Yes|
|Fire or smoke||Yes||Yes|
|Lightning or thunderbolt||Yes||Yes|
|Riot or civil commotion||Yes||Yes|
|Storm, rainwater or run-off||Yes||Yes|
|Theft, burglary or housebreaking||Yes||Yes|
|Water or other liquid damage||Yes||Yes|
|Automatic indexation of sums insured||Yes||Yes|
|Contents in open air at the risk address||No||Yes|
|Continuation of cover when you are selling your buildings||Yes||No|
|Legal liability - cover for injury to other people or their property||Yes||No|
|Mortgage discharge costs||Yes||No|
|Reinstatement of sum insured after a loss||Yes||Yes|
|Removal of debris, professional rebuilding fees and extra costs of complying with building regulations||Yes||Yes|
|Rental costs after an insured event||Yes||Yes. Available under contents cover only when the building is part of a strata title development|
|Replacement of locks or cylinders||Yes||Yes|
|Rainwater tanks and solar water heater||Yes||No|
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Other additional benefits:
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.
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. 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 extent any minimum premium is not reached. Minimum premiums may apply.
2. Up to 30% No Claim Bonus
To qualify for the maximum No Claim Bonus of 30%, landlord must have had no landlord losses in the preceding three years. However landlords who have had up to two claims may still qualify for reduced No Claim Bonus. The up to 30% No Claim Bonus discount is applied to our standard rates including optional Rent Default cover (if selected). This discount does not apply to the flood premium (where applicable).
Allianz applies discounts to your premium in a predetermined order. This means the effect of applying any subsequent discounts will be reduced. Discounts do not apply to taxes or government charges. Any discounts may be subject to rounding. Minimum premiums may apply.
3. Excess choice not available where an excess higher than the standard excess has been imposed.
4. Flood Cover is available for all eligible property addresses. Flood Cover is an option on both Building and Contents in home and landlords insurance policies. The cover is designed to protect customers against damage to their building and/or contents in the event of a Flood up to the value of their sum insured. Flood cover is subject to eligibility.
5. This cover only applies if the building is part of a strata title development.
6. Landlord Workers’ Compensation is only available in ACT, TAS and WA.