Home Insurance FAQ

Frequently Asked Questions

• How can I purchase a home and contents insurance policy?

  You have three options to choose from when purchasing 1300 Insurance home and contents insurance:

  1. Quote and then buy 24 hours a day, 7 days a week, securely online
  2. Complete a quote online then simply call one of the helpful consultants on 1300 467 872 to complete the purchase of your policy. Make sure you have the quote reference number given when getting the online quote when you call. The call centre is open Monday to Friday between 8.00am and 8.00pm (EST) and Saturday 8.00am to 5.00pm (EST).
  3. Call a helpful consultant on 1300 467 872 to get a quote and purchase over the phone. The call centre is open Monday to Friday between 8.00am and 8.00pm (EST) and Saturday 8.00am to 5.00pm (EST)

• How long does it take to get Home and Contents insurance?

  Generally the path from quote to cover is a matter of one quick call - we know your time is important!

• What if I have to make a Home and Contents insurance claim?

  Simply call the claims line on 1300 467 872 and the friendly staff will assist you all the way through the quick and painless process.

  Most claims can be processed over the phone, depending on the situation. In some cases we will arrange for an assessor to visit your house to inspect the damage, and help you to coordinate repairs and replacements. Either way, your claim will be dealt with the minimum fuss.

• What are the best ways I can save money on my Home and Contents insurance?

  Simply by choosing 1300 insurance house insurance, you are being quoted by one of the most highly developed assessment systems in the world. This means we can give you our best price straight away. Well done — you're already on your way to the best price possible!

  There are also a number of options you can choose to include or exclude from your policy, which will ultimately affect the premium you pay. These include:

  1. Motor Burnout
  2. Accidental Damage
  3. Personal Effects cover (only with Contents insurance)

  Additionally, you may vary the excess you pay in the event of a claim. In turn, this will affect the premium we charge.

  Finally, you can opt to pay your premium in either monthly or annual instalments to suit your needs.

• What benefits should I seek out when choosing a Home and Contents insurer?

  Some things you should look out for when choosing an insurer include:

  1. Choice of optional extras so you can tailor the policy to your needs
  2. Variable excess feature (allows premium to be altered)
  3. Monthly or Annual premium payment options
  4. Paperless application
  5. 21 day money back guarantee in case you need to cancel

• What factors affect the premium I am charged?

  Insurance premiums are calculated on the basis of the risk you present to the insurer. By risk, we mean the likelihood of you making a claim.

  Risk is affected by things like location of your home, the material the home is constructed from, the security devices installed, how the home is occupied and the frequency of claims.

• What happens if I don't tell you about my past claims when I am asked?

  By not disclosing all relevant information you are impeding the insurer's ability to accurately calculate your premium. This can lead to partial payouts or cancellation of your policy.

• Who is the underwriter for 1300 Insurance's home and contents insurance?

  1300 Insurance's home and contents insurance policies are underwritten by Auto & General Insurance Company Limited. Auto & General Insurance Company Limited is an Australian Insurer authorised to conduct insurance business in Australia by the Australian Prudential Regulatory Authority (APRA). Auto & General Insurance Company Limited is a member of the Insurance Council of Australia and participates in the Insurance Code of Practice.