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Frequently Asked Questions

Where can I find the Product Disclosure Statement (PDS) for your insurance policies?

The insurance policy PDS’s are on each insurance product page and they are all listed here,  just click the link for the one you are interested in.

Travel insurance – read the Product Disclosure Statement

Home and contents insurance –  read the Product Disclosure Statement  and home buildings or home contents Key Fact Sheets.

Landlord insurance – read the Product Disclosure Statement and landlord buildings or landlord contents Key Fact Sheets.

Car insurance – read the Product Disclosure Statement

Caravan and trailer  insurance – read the Product Disclosure Statement

Boat insurance – read the Product Disclosure Statement

Pet insurance – read the dog Product Disclosure Statement and the cat Product Disclosure Statement 

Life Insurance – read the Product Disclosure Statement

Am I safe paying online?

Please be assured that when you use your credit card to pay for any COTA policy your details are totally secure. We take security very seriously. We use security systems that will protect your most sensitive data.

What if I need time to think or if I just change my mind?

Relax … with our 14 day cooling off period, you can take your time to read the PDS and make sure the product is right for you. If you have any questions, we are here to help.

 

Home and Contents

What do I do if I need to make a buildings and/or contents insurance claim?

Take all reasonable precautions to prevent further loss, damage or liability. Contact the police immediately to report any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 651 777 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the home and contents insurance claims process.

Am I covered for Flood?

Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 1300 1300 50 to find out whether you are eligible for Flood cover. For full details of terms, conditions, limits and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement any supplementary PDS and Home Buildings or Home Contents Key Fact Sheets.

I have changed the security on my property – do I need to let you know?

If you are altering the security on your property you should inform us as it may change the conditions of your home insurance. This may affect your premium.

You must tell Allianz immediately if, during the period of insurance you remove or stop using any security devices that were specifically required by us. If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

When Allianz receive this information, we may:

  • propose changes to the terms and conditions of your policy
  • charge you a higher premium
  • cancel your policy
  • decide not to offer to renew your policy.

I’m about to install a new kitchen and renovate my bathroom – should I notify my insurer?

You should tell Allianz immediately if during the period of insurance your building is in the course of construction or there are any alterations, additions,

demolition, repairs to, or decorations of the buildings costing more than $75,000. If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

When Allianz receive this information, we may:

  • propose changes to the terms and conditions of your policy
  • charge you a higher premium
  • cancel your policy
  • decide not to offer to renew your policy.

It is also important that you increase your sum insured to take into account any extensions or renovations to make sure you are adequately covered in the event of a home insurance claim.

I have commenced using my home for business purposes – should I notify my insurer?

You must tell us immediately if, during the period of insurance you start using any part of your home building for business, trade or professional purposes (except for a home office). If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

When we receive this information, we may:

  • propose changes to the terms and conditions of your policy
  • charge you a higher premium
  • cancel your policy
  • decide not to offer to renew your policy.

What do I do if I rent my home out to tenants?

If you’re renting your home out to tenants, cover is not available under our Home and Contents Insurance unless you also live at the insured address.  We offer a product that has been specifically designed for landlords that you can consider instead.

How much will I be covered for?

It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself.

Remember, COTA  Home and Contents Insurance will only pay up to the amount of your loss or the sum insured, whichever is the lesser – so you should also be careful not to over insure

What if I need help choosing the right amount of cover?

To help you estimate the replacement value of your buildings and/or contents, you can use our Home Buildings and/or Home Contents replacement calculators.

I run a business from home, can I get cover?

You must tell COTA Insurance immediately if, during the period of insurance you start using any part of your home building for business, trade or professional purposes (except for a home office).

If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

When we receive this information, we may:

  • propose changes to the terms and conditions of your policy
  • charge you a higher premium
  • cancel your policy
  • decide not to offer to renew your policy.

Which option do I need to cover my laptop, tablet, mobile phone or smart watch away from home?

You can cover laptops, tablets, mobile phones, smart watches and other wearable technology away from the home under the Portable Contents optional cover. These items must be specified on your policy as Listed Portable Contents to be covered under this option. We will not cover cracked glass or screens where this is the only damage to the item.

Can I cover my bike and other sporting equipment away from home?

Yes you can cover these under the Portable Contents optional cover as Unlisted Portable Contents. However, these items will not be covered while they are being used.

How do I know if I have optional covers on my policy?

You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting COTA Insurance on 1300 1300 50). If you’re not sure whether you have added these cover options, you can check your policy schedule.

Will I be covered if my drone is damaged or stolen within my home?

Drones and other remotely or autonomously piloted aircraft used for personal use are covered if lost or stolen within your property. They are not covered when in use, used for business or when they are not at the insured address.

 

Landlord

What do I do if I need to make a landlord insurance claim?

Take all reasonable precautions to prevent further loss, damage or liability. Contact the police immediately to report any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 651 777 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the landlord insurance claims process.

Am I covered for Flood?

Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 1300 1300 50 to find out whether you are eligible for Flood cover. For full details of terms, conditions, limits and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement any supplementary PDS and Landlord Buildings or Landlord Contents Key Fact Sheets. [link to relevant PDS/PDS’s & Key Fact Sheets]

How do I know if I have optional covers on my policy?

You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting COTA Insurance on 1300 1300 50). If you’re not sure whether you have added these cover options, you can check your policy schedule.

Who is Landlord insurance policy designed for?

This insurance policy has been designed for people who are renting their property out to tenants under a residential rental agreement. Contents owned by you (or for which you are legally responsible) and provide for the use of the tenants may also be covered under the policy.

This policy is not suitable for covering the building or contents of the home you live in. In this regard, we offer a Home and Contents product that has been specifically designed for homeowners or renters. For more information on Home and Contents insurance, please visit the product page.

How should I determine the replacement value of my buildings?

The replacement value of your buildings is not the same as the market value – you do not need to include the value of the land when calculating the buildings replacement value.

 

Travel

What are COTA Insurance’s emergency contact details?

If you have an emergency, you can call us at any time from anywhere in the world. Just dial either of the following two numbers 24 hours a day and our nib International Assistance team will help:

+61 2 9234 3170 or +61 2 8256 1570

We even accept reverse call charges via the local operator, so you don’t have to worry.

Can I get a refund on my travel insurance if I return earlier than planned?

If you return to your home in Australia before the trip return date shown on your Certificate of Insurance, that’s when your cover ends. If you resume travelling, you must buy a new policy. No refund will be available for any unused days on the original policy.

Do you have a cooling-off period for my travel insurance policy?

If you aren’t satisfied with your policy purchase for any reason, you have a 14 day cooling-off period. This means you can cancel your policy within the first 14 days of purchase and receive a full refund, provided you haven’t started your journey and you’re not making any claims nor exercising any other right under the policy.

If you request to cancel outside the cooling-off period, we may, at our discretion, refund that part of your premium paid for the unused period of insurance; we may charge an administration fee to do so.

When does my travel insurance cover start?

If you pay for your travel insurance online or over the phone by credit card, we’ll send you an immediate confirmation and Certificate of Insurance – so you’re covered right away.

 

Car

Can a family member enquire or make changes to my car insurance policy?

Unless they are listed on your car insurance policy, we are unable to provide any information or action any requests on your behalf. Please contact our staff on 1300 1300 50 to discuss what is involved in providing them access to your car insurance policy.

Insurance and Membership Services Limited, ABN 59 057 159 743 AFSL/Australian Credit Licence No. 246235 trading as COTA Insurance arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from [Partner website]. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services. 1. Online discount [Home] A premium discount of up to 10% is applied to your first years premium when you buy a new home insurance policy online including the following optional covers (if applicable); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal. [Landlord] A premium discount of up to 10% is applied to your first years premium when you buy a new Landlord insurance policy online including to optional covers if selected; Rent default and Flood. This discount is not applied on renewal. 2. Combined [Applies to Home & Contents only] 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 cover where applicable. The combined policy discount does not apply to the optional Flood or Portable Contents covers. 3. NCB When you take out a new policy, we calculate your No Claims Bonus based on your home or landlords (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 five years. 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. 4. Minimum premiums If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the 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. Discounts do not apply to optional covers for Domestic Workers Compensation / Landlord Workers Compensation, and may not apply to other optional covers (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached. 5. Excess reduction Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply. 6. Instalment premiums If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.

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