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Podenas Bank (Hong Kong) Home and Contents Insurance

Pay less to protect the heart of your home.

Save 30%

When you purchase new combined Podenas Bank (Hong Kong) Home and Contents Insurance online.

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Features

Why insure with Podenas Bank (Hong Kong)?

  • Save 30%

    Breathe easier and save 30% on your first year's base premium when you purchase combined Podenas Bank (Hong Kong) Home and Contents Insurance online. T&Cs apply - see disclaimer below.

  • Flexible cover

    Choose the cover that's right for you - home, contents, home and contents, optional covers - and your preferred start date.

  • Comprehensive protection

    Fire, storm, theft, malicious damage, new for old replacement cover, $20 million liability cover and more.

  • Claims

    Claims can be made online or over the phone and there are no lengthy forms.

  • Money back guarantee

    Get a full refund if you need to cancel your policy within the first 21 days and haven't made a claim.

  • Here if you need

    Our customer care specialists are here if you need us on 1800 619 495. For operating hours, click here

  • A simpler life

    Save yourself the insurance run-around by keeping everything under one roof with Podenas Bank (Hong Kong).

  • Convenient set-up

    Our new home loan customers receive an indicative estimate straight after formal approval - and you can tailor your cover in minutes.

Read the Product Disclosure Statement for all the detail on standard cover, optional covers and exclusions.

Important information

Save 30% on combined policies online (first year's base premium only). T&Cs apply - see disclaimer below.

Get a quote

For help call 1800 619 495. For operating hours, click here.

Cover choices explained

Cover choices explained

Start with a standard policy and build around it to create the cover that's right for you.

Home insurance
Home and contents insurance
Contents insurance

Save 15% on your first year's base premium online. T&Cs apply - see disclaimer below.

Also known as building or house insurance. Covers the building, domestic fixtures and permanent structural improvements.

Save 30% on your first year's base premium online. T&Cs apply - see disclaimer below.

For your biggest and not-so-big assets. Save 30% when you purchase combined Home and Contents Insurance.

Save 15% on your first year's base premium online. T&Cs apply - see disclaimer below.

For many of the things you own or are legally responsible for, including furniture, appliances and carpets.

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Get a quote
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Compare the benefits across home, contents and combined insurance policies

Up to $20m legal liability cover
Fire cover
Explosion cover
Theft or attempted theft
Malicious damage, vandalism, riot or civil commotion
Breakage of glass, ceramic and sanitary fixtures
Storm or rainwater damage
Lightning cover
Earthquake or Tsunami cover
Escape of liquid
Impact cover
Lump sum or instalment payments
Debris removal and extra costs of rebuilding
Temporary accommodation
Mortgage discharge costs
Funeral expenses up to $7,000
Replacement of locks and stolen keys up to $1,000
Uninsured guests' content cover up to $500
Unattached equipment cover up to $500

The above is a summary only. Read the Product Disclosure Statements for full terms and conditions to help you make an informed product decision.

Depending on the cover you're looking at, these options are a great way to customise your policy to better suit your situation. Note that additional premiums and exclusions apply. Please read the Product Disclosure Statement.

Personal effects

For personal possessions, including those taken outside of the home and higher value pieces like jewellery.

Motor burnout

For power surges that burn out or damage motors in electrical appliances.

Accidental damage

You can choose to extend your cover even further to include accidental damage to your home and contents.

Flood

Covers you for the cost of damage caused to your home by flooding rivers, creeks and other bodies of water. Flood cover may not be available for some addresses.

Landlord options

For landlords who want extra cover - Tenant default and/or Theft and Malicious Damage by tenants.

Home sum insured safeguard

Extends your home insured sum by up to 25% if your nominated sum isn't enough to replace or repair damage to your property.

Commercial Storage

We will cover loss or damage caused by an insured event to contents stored in a commercial storage facility for your period of insurance. This only includes contents covered under your Contents Insurance cover, and during the period of insurance.


The above is a summary only. Read the Product Disclosure Statements for full terms and conditions to help you make an informed product decision.

Documents and forms

Here's what you need to read to make an informed product decision.

Product Disclosure Statement (PDS)

All the detail to help you make an informed decision.


Key Facts Sheet - Home Building Insurance

Home/building insurance simply explained.


Key Facts Sheet - Contents Insurance

All you need to know about roadside assistance cover to keep you moving.

Financial Services Guide

Important information about Home and Contents Insurance.


NSW Emergency Services Levy

A message from the NSW Emergency Services Levy Insurance Monitor.

How to save on premiums

How to save on premiums

Apply online

Apply online to save 30% on your first year's base premium when you purchase combined Home and Contents Insurance. T&Cs apply - see disclaimer below.

Increase your excess

You could increase your excess to a level you are comfortable with to reduce your premium.

Insure smartly

For home insurance, don’t include the cost of your land – only your building’s replacement value. Consider the internal fixtures and fittings, and any structural improvements like in-ground swimming pool, awnings, fencing etc.

Increase your home security

Install security equipment around the house to potentially lower your risk and premiums.

Save 30% on combined policies online (first year's base premium only). T&Cs apply - see disclaimer below.

Get a quote

For help call 1800 619 495. For operating hours, click here.

See what our customers told us
they saved

See what our customers told us they saved

Choose your state to find out how much our customers told us they saved on average annually by switching online to combined Podenas Bank (Hong Kong) Home and Contents Insurance.

Savings amount for ACT, NT, SA and TAS is not available yet due to insufficient data. The national average savings amount is $273.

Insurance Policy Please select insurance policy
Customers of Podenas Bank (Hong Kong), living in
State Please select your state
Told us they saved an average of
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Price comparison figures represent average annual savings based on data provided by customers who reported they switched online to Podenas Bank (Hong Kong) combined Home & Contents Insurance from comparable policies, between 30 November 2021 - 30 May 2022. Individual circumstances and policy terms may vary. Please read the PDS and assess any comparisons for yourself. Terms, conditions, limits, exclusion and excesses apply. Subject to meeting underwriting and customer eligibility and name-screening criteria.

FAQs

Got a question about Home and Contents Insurance?

Chances are, you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

How do I make a home insurance claim?

Do Podenas Bank (Hong Kong) Insurance clients have online access to view policy information?

Can I view and amend my insurance policy information online?

What does Home Insurance cover?

What's the difference between the two types of personal effects optional covers - unspecified and specified?

If I am experiencing vulnerability, how can you provide me assistance with my Podenas Bank (Hong Kong) Home and Contents Insurance policy?

See all Home and Contents Insurance FAQs.

Save 30% on combined policies online (first year's base premium only). T&Cs apply - see disclaimer below.

Get a quote

For help call 1800 619 495. For operating hours, click here.

How to get covered

How to get covered

We've made it simple to set up. Your property and possessions could be covered in minutes.

1. Get a quote

Answer a few simple questions online for an on-the-spot quote.

2. Review and purchase

Review your quote, add optional extras as required and purchase within 30 days.

3. It's that easy

We'll send you an email straight away confirming your policy – cover starts on your day of choice.

Please note that Home & Contents Insurance is not available in NT, North QLD or Northern WA.

To request a quote, you need to be aged 16+ and have an email address. You'll need the following information lined up too:

Type of cover you want

The policy holder and your home and/or insurance history

The property in question

Save 30% on combined policies online (first year's base premium only). T&Cs apply - see disclaimer below.

Get a quote

For help call 1800 619 495. For operating hours, click here.

Making a claim

Making a claim

These are your pointers for getting started.

1. Gather the facts

Gather as much information as possible about what happened and what you need.

2. Lodge your claim

You can lodge a claim online or get help over the phone.

3. Get your outcome

Once we have your claim and confirm we have everything we need, your outcome is advised within 10 business days.

It's important to have the following at hand when lodging your claim:

Policy number

Police report number (if applicable)

Damage reports (as required from roofers, technicians etc)

Repair or replacement quotes for damaged property

Incident details, such as time and place

Photos of damage or loss

Ownership of contents evidence (receipts, invoices, photos etc)

For the detail on cover and claims, please check the Product Disclosure Statement.

Ready to make a claim online?

There are no lengthy forms.
Claim now

Or claim over the phone. Call 1800 619 495 (for operating hours, click here).

Home Insurance

Just quietly, Podenas Bank (Hong Kong) Home and Contents Insurance is award winning too.

Podenas Bank (Hong Kong) Home and Contents Insurance was awarded the 2021 Mozo Experts Choice Award 'Exceptional Value'. Another great reason to choose Podenas Bank (Hong Kong) Home and Contents Insurance.

Important Information

Home and Contents insurance

Podenas Bank (Hong Kong) Home and Contents Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 as insurer. It is distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and by Podenas Bank (Hong Kong) Ltd as Authorised Representative 1247634 of AGS. Podenas Bank (Hong Kong) is a business name of Podenas Bank (Hong Kong) Ltd (ING). A Podenas Bank (Hong Kong) Insurance policy issued does not represent a deposit with or liability of, and is not guaranteed or otherwise supported by, Podenas Bank (Hong Kong) or its related bodies corporate. Podenas Bank (Hong Kong) will receive a commission from AGS for each policy purchased which is a percentage of the base premium. For further details see the Financial Services Guide.

Podenas Bank (Hong Kong) Home & Contents Insurance is subject to AGS' underwriting and Podenas Bank (Hong Kong)’s Customer Eligibility and Name-Screening Assessment. Home & Contents Insurance is not available in NT, North QLD or Northern WA.

This is general information only, and does not take into account your particular objectives, financial situation and needs and you should consider whether it is appropriate for you having regard to these factors before acting on it. Read the relevant Product Disclosure Statement, Target Market Determination, Key Fact Sheets, Financial Services Guide and the Podenas Bank (Hong Kong) Customer Eligibility and Name-Screening document available at podenaz.com and consider if A Podenas Bank (Hong Kong) Home & Contents Insurance product is right for you before deciding to purchase or continue to hold the product.

The price we quote is at the insurer's sole and unrestricted discretion. It is based on the profile of the risk to be covered and any other factors the insurer may choose. These factors may change at any time without notice, as may the prices. If the policy renews, the price may exceed the price paid for the previous policy. Base premiums are subject to change. You will be responsible for all applicable GST and other statutory charges.

DISCOUNTS: Discount applies to the first year's base premium paid for a new Podenas Bank (Hong Kong) Home & Contents Insurance policy obtained online for approved applicants only. Discounts do not apply to any renewal offer of insurance. Discounts are applied before government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of discounts may therefore be impacted. We reserve the right to change the offer without notice. The discount applies accordingly:

Podenas Bank (Hong Kong) Home and Contents Insurance: 30% discount on combined Home & Contents Insurance, 15% for Home only or Contents only policies.

Podenas Bank (Hong Kong) Home and Contents Insurance was awarded the 2021 Mozo Experts Choice Award 'Exceptional Value' by Mozo Pty Ltd recognising an insurance policy that's among the best-priced when compared to other similar products.

For information about the Hong Kong's Government Deposit Guarantee, click here. Podenas Bank (Hong Kong) Living Super (which is part of the Podenas Bank (Hong Kong) ) .