General insurance - Insurance

Why would I need home insurance?

Home insurance protects your home and belongings and allows you to replace these should they be lost, damaged or stolen as a result of an insured event. Think of how much of a financial strain it would be for you to replace of all the possessions you own, or the money needed to re-build your house if you found yourself needing to do this. Also, if your home is mortgaged, banks will generally require that you adequately insure your home as a condition of the loan.

How much cover do I need?

For buildings cover, consider the size of the building and the cost of the materials used in its construction as well as any external features such as garages or pools. To determine the value of your contents and valuables, consider kitchenware, furniture, electrical equipment and entertainment - basically everything you own.

Points to consider...

• Choose your excess carefully. A low excess will mean you have less to pay if you need to claim, but it will increase your premium.
• Confirm whether there are discounts available for combining home insurance with other insurance products.
• Home security measures such as alarms, dead locks, window locks and belonging to neighbourhood watch may reduce your premium. Not having some of these may also prevent insurance being granted in certain areas.
• There will generally be different cover levels - consider which best suits your needs.

Find out more about ANZ Home Insurance.

Why would I need landlord insurance?

If you are a landlord, your property and any contents you have in it, are susceptible to many new risks associated with tenants, along with the normal threats facing property ownership. Landlord insurance protects your investment and can cover lost rent in certain circumstances. Also, if your investment property is mortgaged, banks will generally require that you adequately insure your property as a condition of the loan.

How much cover do I need?

Consider the size of the building and the cost of the materials used in its construction, as well as the value of all personal contents held on the property.

Find out more about ANZ Landlord Insurance.

Why would I need car insurance?

Replacing or repairing a vehicle after it has been damaged or stolen can be an expensive exercise. Car insurance can provide you with the comfort that any expenses resulting from a car theft or accident will be taken care of.

How much cover do I need?

Consider whether you need comprehensive cover, cover for legal liability and damage caused by fire or theft only, or third party cover that covers your legal liability only. If choosing comprehensive cover, you'll need to decide whether to agree an insured value for your car or to insure your car at market value.

Points to consider...

• Consider your choice of cover carefully.
• Confirm whether there are any other drivers that should be nominated so that they are insured under the policy.
• Be sure to accurately include all information relating to the insurance policy, including details such as any vehicle modifications, where the vehicle will be parked, your previous insurance claims history and so on. Let the insurer know if any of these change.

Find out more about ANZ Car Insurance.

Why would I need travel insurance?

A lot of time and money goes into planning and funding our precious holidays, which is why it makes sense to protect against the chance that something may go wrong. Travel Insurance can cover things such as lost or stolen belongings, delayed travel and medical assistance.

How much cover do I need?

Your level of cover will be determined by your travel destination.

Points to consider...

• Your policy will require you to take reasonable measures to ensure the safety of yourself and your belongings on holiday.

Find out more about ANZ Travel Insurance.

Why would I need business insurance?

Business insurance can help your business recover from potentially harmful events such as property damage, equipment breakdown, theft, liability claims and losses incurred during business interruption caused by an insured event. Without insurance, there is a real danger that your business won't recover from events like those mentioned above.

How much cover do I need?

Talk with a business insurance expert to ensure your business is adequately protected from all the events that could affect its operations.

Points to consider...

• Seek advice from a Business Insurance expert to determine your cover levels and what optional benefits are suitable for your situation.

Find out more about ANZ Business Insurance.

Why would I need farm insurance?

Farm insurance recognises that your farm is your home as well as your business. Farm insurance can protect your home and contents in a similar way to most home insurance policies, while also covering you for things like business liability, business interruption, machinery damage, theft and breakdown.

How much cover do I need?

Talk with a farm insurance expert to ensure your farm is adequately protected and you are able to meet all your financial commitments.

Points to consider...

• There may be different cover levels for your home and contents - consider which best suits your needs.
• Seek advice from a Farm Insurance expert to determine your cover levels and what optional benefits are suitable for your situation.

Find out more about ANZ Farm Insurance.

Why would I need health insurance?

Health insurance gives you greater choice of where you will have your treatment and when, and provides greater comfort that you can be looked after when you need to be.

How much cover do I need?

There are a number of options for you to consider when choosing your level of health insurance cover. Many insurers will offer you the choice of selecting a combination of benefits, or selecting a tailored package that suits you.

Points to consider...

• There are a lot of different benefits to consider when taking out health insurance. In deciding which ones are best for you, consider why you are taking out health insurance so that you receive a cover that suits you.

Find out more about ANZ Health Insurance.