Australian Unity Bank Limited, ABN 30 087 652 079 AFSL No 237994 (“Australian Unity Bank”, “we”, “us”) is authorised to arrange Home, Landlord, Motor and Caravan & Trailer Insurance as agent for the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz). Travel insurance is arranged by us as agent for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) who issue and manage Travel Insurance for the insurer Allianz.

Any advice given by Australian Unity Bank, AGA or Allianz is of a general nature only and is not based on any consideration of your objectives, financial situation or needs. Therefore, you should consider whether the advice is suitable for you and your personal circumstances. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statements available from our website. If you purchase a home, landlord, motor, caravan and trailer or pleasure craft policy, we will receive a commission from Allianz that is a percentage of the premium. If you purchase a travel insurance policy we will receive a commission from AGA that is a percentage of the premium.

Search ‘Australian Unity Bank Financial Services Guide’ to learn more. The Travel Insurance Target Market Determination is available at www.allianzpartners.com.au/policies/. Other Target Market Determinations are available by calling 1300 130 935.

Petinsurance.com.au policies entered into for the first time prior to 7 November 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure’s Authorised Representative (AR) Pet Insurance Pty Ltd ABN 38 607 160 930, AR 1234944 (PIPL) and Australian Unity Bank Limited ABN 30 087 652 079, AFSL 237994 (AUBL). Petinsurance.com.au policies entered into for the first time on or after 7 November 2023 and subsequent renewals of those policies are issued by PetSure and promoted and distributed by PetSure’s AR, PIPL and AUBL. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at petinsurance.com.au. It’s important that you read Australian Unity’s FSG before acting on any advice or taking out insurance through us. You can download the Australian Unity Bank FSG here.

• 1. Available for current AU employees (the Discount). The Discount does not apply to online purchases, and employees must contact the Australian Unity Contact Centre to arrange insurance. The Discount is applied for the term of the policy. The Discount is not available in conjunction with any other offer except where clearly expressed by Australian Unity. The Discount can be withdrawn at any time by Australian Unity or Allianz. Any discounts may be subject to rounding and do not apply to taxes or government charges. Discount does not apply to Domestic/Landlords Workers Compensation cover under Home/Landlord Insurance. 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 charged for optional covers such as flood (where applicable) and are not applied to Domestic/Landlord Worker’s Compensation (where applicable).
• 2. Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.
• 3. When you take out a new policy, we calculate your No Claims Bonus (NCB) based on your home or landlord (as applicable) 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 5years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus.
  [For Home:] The No Claim Bonus is applied to some optional covers if selected; Motor Burnout and Accidental Damage, but not Flood or Portable Contents cover, if selected.
  [For Landlord:] The No Claim Bonus discount doesn’t apply to optional cover Flood, if selected, but is applied to Rent Default and Theft by Tenant, if selected.
• 4. The Safe Driver Discount applies to Comprehensive Motor Insurance policies only. Any discount entitlement is determined by the insurance history and driving history of all drivers on the policy and the number of claims made by them. If eligible, the maximum Safe Driver Discount that may be applied on new policies is up to 10%.
• 5. We may agree with you to use a repairer (other than the one you selected), or pay you reasonable repair costs. We will act reasonably in doing so.
• 6. This 15% discount is available to Australian Unity employees who tell us about this offer when they take out a new Pet Insurance policy from Australian Unity together with Petinsurance.com.au. Not available in conjunction with any other offer except where clearly expressed or communicated by Australian Unity to constitute or form part of a single offer. This offer can be withdrawn at any time by Australian Unity Petinsurance.com.au. Discount is applied for the first year of cover, and each year after that whilst the offer remains available. Offer not available online. Offer subject to the terms and conditions of the applicable policy.
• 7. Once all required claims documentation has been received.
• 8. For Travel Insurance, a 20% discount is available to Australian Unity Employees and is based on standard premium rates (including optional extras). In order for an Australian Unity Employee to access this discount, they need to ring 1300 685 210 to make request. The discount applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey. The discount may apply to changes made after commencement of the journey, contact Allianz Global Assistance to find out more. Not to be used in conjunction with any other offer.
• 9. Terms, conditions, limits and exclusions, and sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic.
• 10. [Home] Not available with respect to any additional compulsory excess, imposed excess applied to the policy or to the Portable contents excess. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Domestic Workers compensation, Flood or Portable contents. Minimum premiums apply
  [Landlord] Not available with respect to any additional compulsory excess, or to the imposed excess applied to the policy. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Landlord’s Workers Compensation, or Flood. Minimum premiums apply.
• 11. Allianz Australian Awards: Allianz Claims Team won General Insurer Claims Team of The Year at the 2021 Insurance Business Awards Australia. Winner of the ANZIIF Large General Insurance Company of the Year in 2018, 2017, 2016, 2014, 2013, 2012, 2011. 2021 Insurance Business Australia General Insurer Claims Team of the Year, and 2019 Insurance Business Australian General Insurer of the Year for the strength of its products, focus on customer service innovation and overall support to the insurance intermediary channel. Gold for Overall Excellence in Claims 2019 and 2018, Silver for SME Property and Casualty 2019 and 2018; and Personal Lines for 2021 Insurance Business Australia General Insurer Claims Team of the Year, and 2019.

Australian Unity Health Limited ABN 13 078 722 568.
Australian Unity, 271 Spring St, Melbourne, Victoria 3000

¹⁸ Employee discount includes all other retail discounts and is available when paying by direct debit or payroll. The discount is not available through brokers or comparators and excludes Overseas Visitors Cover. The discount is available to permanent and casual employees of the Australian Unity Group.

¹⁹ Employees employed by Australian Unity Home Care Services Pty Ltd are not eligible to receive the Premium Relief Subsidy towards Australian Unity health insurance. Only available while the employee remains employed with Australian Unity. You need to take out an eligible hospital and extras product and pay through payroll deduction to be eligible for the subsidy. Ask our consultants about the relevant products.

²⁰ Family and friends discount includes all other retail discounts and is available when paying by direct debit. The discount is not available through brokers or comparators, and excludes Overseas Visitors Cover. Eligible family includes all immediate and extended family members of currently employed Australian Unity employees, and those of their partner (this includes de facto partners).

²¹ Wellplan Rewards is free to private health insurance customers after completing 30 days of membership.