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1 Instalment Payment
Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

2 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 are available at the time of publication and are subject to change without notice. Discounts may not be applied to any flood component of the premium (if applicable).

3 Safe Driver Discount
To be eligible for the Safe Driver Discount, drivers must be over 30 years old, must not have had an at fault accident in the last five years and have had the maximum no claim bonus for the last five years Safe Driver discount applies to new comprehensive motor policies only.

4 No claim bonus
Maximum no claim bonus discounts vary from state to state. See also 2 Disclaimer.

Online Discounts
Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first years premium only (unless stated otherwise). From time to time, promotional or other discounts may be available for customers who apply for insurance via our Contact Centre. See also 2 disclaimer.

Home Insurance discounts
To qualify for the maximum No Claim Bonus of up to 30%, customers must have had no home or contents insurance claims in the preceding five years. However customers who have had up to two claims may still qualify for a reduced No Claim Bonus. See also 2 disclaimer.

Landlord Insurance discounts
Tenant default cover option for 15 weeks rent to a maximum of $10,000. See also 2 disclaimer.

At Fault Driver Protection
Available for cars under 10 years old that carry less than 4.5 tonnes at the commencement of the period of CTP insurance.

Before making a decision about any product, please carefully read the relevant Product Disclosure Statement or Policy Document available from us.

In arranging this insurance, Teachers Mutual Bank ABN 30087 650 459 AFSL/ACL No 238981 acts as an agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS License No 234708. Before making a decision about our insurance, please refer to the Product Disclosure Statement available from Teachers Mutual Bank If you purchase this insurance, Teachers Mutual Bank will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

Insurance products are issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Teachers Mutual Bank acts as an agent for Allianz and not your agent. Neither Teachers Mutual Bank nor Allianz provide advice based on any consideration of your objectives, financial situation or needs. To decide if it is right for you please carefully read the relevant product disclosure statement, available online or by contacting us. For CTP a PDS is not available please read the terms and conditions of cover available by the same methods. If you purchase this insurance, Teachers Mutual Bank will receive a commission that is a percentage of the premium depending on the product. Ask us for more details before we provide you with any services on this product.

Please refer to the product page on our website for more information regarding this product.

5Roadside Assistance 
12 month roadside assistance membership is provided by AGA Assistance Australia Pty Ltd ABN 52 097 227 177, trading as Allianz Global Assistance. Full terms and conditions available at allianz.com.au/roadside 

‎‎Teachers Mutual Bank AFSL/Australian Credit Licence 23898 arranges this insurance as an agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No 234708 (Allianz). We do not provide any advice on this insurance based on any consideration of your ‎objectives, financial ‎situation or needs. ‎Policy terms, conditions and exclusions apply. Before making a decision about our insurance, please refer to the Product Disclosure Statement. If you purchase this insurance, Teachers Mutual Bank will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

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