+ Minimum premiums - 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. Any online discounts offered are applied to our standard rates (excluding optional covers) [and are for the first years premium only (unless stated otherwise)].
Heritage Bank Limited ABN 32 087 652 024AFSL 240984 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz). We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement available from heritage.com.au/brochures. If you purchase this insurance, we receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.
*Competition runs from 30/01/17 – 31/03/17. Prize is drawn on 05/04/2017 at Level 13, 2 Market St Sydney. Winner’s name published in The Australian on 08/04/2017. Authorised under NSW Permit No: LTPS/16/09927, ACT Permit No: TP16/02449, SA Licence No: T16/2238. Promotion terms and conditions available at allianz.com.au/prize. Promoter is Allianz.
# Mediterranean Cruise – Prize consists of return economy class flights for two from the prize winner’s nearest Australian State capital city to a designated city in Europe (including checked luggage and taxes), return private airport transfers from designated airport to designated accommodation, 2 nights 4-star pre-cruise accommodation (twin share), return private transfers from designated accommodation to cruise port, 7 nights MSC Mediterranean cruise for two (including stay in a Balcony Cabin (or similar), breakfast, lunch and dinner daily on board, on board activities and daily and nightly entertainment), 2 nights 4-star post-cruise accommodation (twin share) and AUD 1,000 spending money.
^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. For Home and Landlord insurance discounts may not be applied to any flood component of the premium (if applicable).
ˢSave up to 10% when you buy online – Applies to the first year’s premium only (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods. For Motor insurance, the online discount applies to Comprehensive Motor insurance policies only.