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Insurance

For your life, your home, car or next holiday, get an online insurance quote now.

General Insurance

Home and Contents

Your home is your most precious possession. With HSBC Home Building and Contents insurance, you'll enjoy peace of mind knowing that your most valuable asset is protected.

 

Key features of our product include1:

  • Cover against a range of insured events including: fire, theft and storm damage.
  • New-for-old replacement of most contents (regardless of age).
  • Legal liability up to $20 million.
  • Up to $5,000 cover for fraudulent use of your lost or stolen credit card.
  • Up to $500 to replace food should your fridge / freezer break down or suffer an accidental power loss.

Ways to save:

  • Up to 10% quote discount if you combine Home Buildings and Contents Cover on the same policy2.
  • A no claim bonus of up to 30% depending on your claims history3.
  • Pay by the month at no additional policy fee4.

Ways to open:

Online, Branch, Phone

Landlord

Sometimes, tenants aren't quite as careful with your property as you would like them to be. With HSBC Landlord Insurance, you can be covered for your building and/or contents and for added peace of mind also protect your property from malicious damage by your tenants. Having adequate Landlord Insurance can assist in protecting your building, your contents and the income your property generates.

 

Key features:

  • Insurance protection for a range of defined events including: fire or smoke, tsunami, storm, rainwater or run-off.
  • Up to 52 weeks cover for loss of rent after an insured event.
  • Cover for malicious damage by your tenants when you have building cover and/or contents cover.
  • Up to $10,000 worth of landlord contents cover when you take out landlord building cover.

Ways to save:

  • Pay by the month at no additional policy fee.4
  • A 10% discount if your investment property is managed by a licensed property management agent.2
  • A no claim bonus of up to 30% depending on your claims history.6

Ways to open:

Online, Branch, Phone

Travel

When you're travelling, make the most of your trip with HSBC Travel Insurance. Choose from a comprehensive range of options designed to cover you both in Australia and worldwide and enjoy a carefree holiday with.

 

Your travel insurance includes:

  • The ability to cover accompanying dependants under 25.
  • Cover in case your travel is delayed, cancelled or rescheduled.
  • Cover for stolen travel documents and lost, damaged or stolen luggage or personal items.
  • Cover for additional travel/accommodation expenses incurred during your journey due to sickness or injury.
  • Rental vehicle excess cover.
  • Personal liability cover.
  • Worldwide 24/7 emergency assistance.
Terms, conditions, limits and exclusions apply. Sub-limits apply to particular kinds of losses or claims. Please refer to the Product Disclosure Statement for full details

Features & Benefits:

  • Choose from four levels of insurance, designed for different types of travellers

Ways to open:

Online, Branch, Phone

Motor 

Whether you need Comprehensive Cover or Third Party Property Damage, choose HSBC Comprehensive Motor Insurance.

 

Comprehensive Cover provides:

  • Up to 10% discount on your the first year of your car insurance premium when you buy online2,7
  • Choose your own repairer (in most cases)
  • Rental car for up to 30 days if your car is stolen ($100 per day limit)
  • Safe Driver Discount for eligible drivers8

Ways to save:

  • Pay your insurance by the month at no extra cost4
  • Up to 10% discount on your car insurance premium when you buy online2,7

Ways to open:

Online, Branch, Phone

Personal Insurance

Life

Life cover pays a lump sum if you die or suffer a terminal illness where death is likely to occur within 12 months.
  • With life cover, you can also apply for Permanently Unable to Work insurance cover and/or Critical Illness insurance cover.
  • Life cover pays a lump sum if you die or suffer a terminal illness where death is likely to occur within 12 months.
  • You can buy Life cover insurance up to $1,500,000 depending on your age.
  • Life cover insurance is inflation proofed so the Cover Amount automatically increases each year to keep pace with inflation (the increase can be the greater of the increase in the CPI over the previous year or 5%).
  • For extra protection, HSBC Easy Life Insurance provides lump sum payments for Serious Accidental Injuries such as loss of sight or a limb.
  • Guaranteed Benefit Increases – There are times in life when it's important to review your life insurance needs – when you get married, have a child or take out a mortgage for example. The HSBC Easy Life Insurance policy increases your Life Cover Amount within 90 days of the occurrence of any of the specified events.

Features and benefits:

  • Pays up to $1,500,000
  • Cover increases with inflation

Ways to open:

Online, Branch, Phone

1 Cover varies depending on whether you choose the vital, classic or prestige cover options.

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 may not be applied to any flood component of the premium (if applicable).

3 To qualify for the maximum No Claim Bonus of 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 reduced No Claim Bonus. To decide if this product is right for you, please carefully read the Product Disclosure Statement.

4 Premiums payable by instalments may be subject to minor adjustments (upward or downwards) due to rounding and financial institution transaction fee may apply.

5 Maximum payment for contents will be the lesser of $10,000 or up to the remainder of the sum insured after payment of your buildings claim.

6 To qualify for the maximum No Claim Bonus of 30%, customers must have had no landlord insurance in the preceding five years. However customers who have had up to two claims may still qualify for reduced No Claim Bonus. To decide if this product is right for you, please carefully read the Product Disclosure Statement.

7 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.

8 Safe Driver Discount applies to Comprehensive Motor Insurance policies only. Any discount entitlement is determined by the insurance history and driving history of all drivers on the policy and the number of claims made by them. If eligible, the maximum Safe Driver Discount that may be applied on new policies is up to 10%.

Allianz Australia Life Insurance Limited AFS Licence No. 296559, ABN 27 076 033 782 is the issuer of this insurance. HSBC Bank Australia Limited (HSBC) ABN 48 006 43 162, AFS Licence No.232595 acts under a referral basis as an agent for Allianz, not as your agent. HSBC receive commission on these insurance products as a percentage of the premium paid for each policy ranging from 10% to 20%. A Product Disclosure Statement (PDS) for insurance products can be requested by calling Allianz on 1300 362 108 or from our website at www.hsbc.com.au. Any advice here does not take into consideration your objectives, financial situation or needs, which you should consider before acting on the recommendations above. You should read and consider the PDS before deciding whether to acquire any product mentioned. HSBC does not guarantee the performance of, or in any way stand behind, the provider of this product.

HSBC Bank Australia Limited (HSBC) ABN 48 006 434 162 AFSL/Australian Credit Licence Number 232595 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. Allianz Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance, a member of the global Allianz Group. We do not provide advice on this insurance based on any consideration of your objectives, financial position or need. If you purchase a policy, we receive a commission which is a percentage of your premium - ask us for more information before we provide you with any services.