$5,000 cash could be in your corner!

The promoter(s) is Police Credit Union Ltd (PCU) ABN 30 087 651 205 AFSL 238991 and Ian Berry Insurance Services Pty Ltd (IBIS) ABN 15 084 331 304, an Authorised Representative No 259485 of PCU, who arrange this insurance as agents for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. The promoters do not provide any advice based on any consideration of your objectives, financial situations or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement available from policecu.com.au and ianberry.com.au, or by calling PCU at 1300 131 844 or IBIS at 1300 292 100. The relevant Target Market Determination is available by calling PCU at 1300 131 844 or IBIS at 1300 292 100. If you purchase this insurance, the promoters will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services. *Promotion is open to Australian residents over the age of 18 who purchase a new, or renew an existing Allianz Home, Comprehensive Motor, Caravan and Trailer, or Landlord insurance policy through PCU or IBIS between 12.01am (ACST) on 15/07/2024 and 11.59pm (ACST) on 30/09/2024. There is one (1) prize of $5,000 cash to be won in accordance with the Terms and Conditions. The prize draw will take place at 11.00am (ACDT) on 24/10/2024 at 17-23 Carrington Street, Adelaide SA 5000. Winner will be notified in writing and phone within two (2) business days and their name will be published online at www.policecu.com.au/news and www.ianberry.com.au/news on 29/10/2024. Authorised under ACT Permit No: TP 24/01436. Full Terms and conditions available at policecu.com.au/win5000 or ianberry.com.au/win5000. #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.

1. Online discount – [Home] When you quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal. [Landlord] When you quote and buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium including the optional covers (if selected) Flood & Rent Default and Theft by Tenant. This discount is not applied on renewal.
2. A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home Insurance policy, including for the following optional covers if selected: Motor Burnout and Accidental Damage cover. The combined discount doesn’t apply to Landlord policies, Flood or Portable Contents optional covers.
3. 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.
4. 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 may not be applied to the premium for optional covers.
5. The online discount applies to new Comprehensive Motor Insurance policies only. Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless otherwise stated). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.
6. Subject to underwriting limits.
7. In certain circumstances we may agree with you to use another repairer than the one that you selected or pay you the reasonable repair costs. We will act reasonably in doing so.
8. Allianz may not provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires, during the first 72 hours after you take out a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.
9. Some portable contents must be specified as Listed portable contents with the full replacement value to be covered away from the home. 

Please call 1300 292 100 during business hours if you do not wish to receive any further offers.