Platinum Insurance

The Heritage Platinum Credit Card comes with a range of fantastic benefits including complimentary insurance. Details of the insurance, including cover inclusions, exclusions and limits, are outlined in the
Visa Platinum Credit Card Complimentary Insurances brochure. For information on the complimentary insurance provided before July 1, 2015 please view the Visa Platinum Credit Card Complimentary Insurances brochure for coverage up to and including June 30, 2015. 

Here are some of the highlights:

International Travel Insurance*
Overseas travel insurance for trips purchased on your Visa Platinum Credit Card for up to three months.

Interstate Flight Inconvenience Insurance*
If travelling for up to 14 days within Australia, you can be reimbursed for a range of losses and inconveniences.

Transit Accident Insurance*
Transit Accident Insurance covers the cardholder for specific injuries sustained whilst on a trip during transit, which has been paid for on your card.

Purchase Cover Insurance*
Many new personal goods you purchase on your card are protected against loss, theft or damage for up to 90 days.

Extended Warranty Insurance*
Extended Warranty Insurance extends the Australian warranty on covered products that have been purchased on an eligible card, in the event that the product fails or breaks down.

Guaranteed Pricing Scheme*
If you discover within 60 days of buying a product that another store is now advertising the same product for a cheaper price, claim for the difference in price, provided that it is more than $75. 


How to make a claim

Please do not contact Heritage Bank in the event of a claim as we are not involved in processing insurance claims. Due to a change in Insurers as of July 1, 2015 please ensure you contact the correct Insurance provider. For all claims after July 1, 2015 please contact Allianz Global Assistance. For all claims where the claimable event occurred prior to July 1, 2015 please contact Zurich Australian Insurance Limited ("Zurich").

Claims after July 1, 2015

Please do not contact Heritage Bank in the event of a claim as we are not involved in processing insurance claims.* Allianz Global Assistance will be providing assistance from July 1, 2015, but for all claims before this date, please refer to Zurich.

While overseas: If you have an emergency whilst overseas you can call Allianz Global Assistance in Australia at any time on +61 7 3305 7499. Reverse charge calls to this number can be made from many countries via Australia Direct®, Telstra’s international reverse charge service. For 24 hour emergency assistance within Australia, please call 1800 010 075.

For all other claims and enquiries within Australia, please call Allianz Global Assistance on 1800 785 074 or cardclaims@allianz-assistance.com.au. 


Claims before July 1, 2015

Please do not contact Heritage Bank in the event of a claim as we are not involved in processing insurance claims.* Due to a change in insurer on July 1 2015, any claims where the claimable event occurred before July 1, 2015 should be made through Zurich.

Claim forms online: If you want to make a claim under any of these insurance covers, you can obtain claim forms and information on how to make a claim at the Zurich website.




*Terms, conditions, limits and exclusions apply.  Complimentary Insurance and Guaranteed Pricing Scheme Insurance after July 1, 2015 provided automatically to cardholders under a group policy issued by AGA Assistance Australia Pty Ltd ABN 52 097 227 177 (AFSL No. 245631) trading as Allianz Global Assistance (under a binder from Allianz Australia Insurance Limited ABN 15 000 122 850 (AFSL No. 234708)) to Heritage Bank Limited ABN 30 087 652 024 (AFSL No 240984). Terms, conditions, limits and exclusions available here. An excess may apply. Complimentary Insurance and Guaranteed Pricing Scheme Insurance prior to July 1, 2015 are provided automatically to cardholders under a master agreement between Zurich Australia Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Heritage Bank Limited, and are subject to terms and conditions and exclusions. An excess may apply. 

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

To approved applicants only. Conditions, criteria and fees apply. Please consider the Guide to Heritage Credit Card Products (available in-branch, by phoning 13 14 22 or at www.heritage.com.au) before you decide whether this product is right for you.