Understanding insurance
Get a clearer picture of different types of insurance with this handy range of hints, tips and guides to help answer some common questions.
What you'll find here
- Home insurance: Cover for your home or investment property.
- Life insurance: Cover that can offer peace of mind at a very difficult time.
- Car insurance: Cover if something unexpected happens.
Home insurance help and guides
No matter whether you own, invest or rent, explore cover options, discover how much you might need to suit your circumstances, and learn ways to help protect your home and your belongings.
Types of home insurance
Discover the types of cover used for your home and belongings, or home insurance options as a renter or landlord.
Home insurance calculators
Do you know how much cover you might need? Make sure you understand how much you may need if you had to rebuild or replace after a flood, fire, storm or severe natural disaster.^
Life insurance help and guides
Find out how life insurance works and the ways it can help you protect the life you love.
Types of life insurance
Discover the different types of insurance available to help you live the life you’ve planned, or help your family if you’re not around.
Car insurance guides and FAQs
Have a question about car insurance? Find all the information you need on cover, premiums, vehicle maintenance and more.
Need to make an insurance claim?
Home, Contents or Landlords insurance claim
Car insurance claims
Life insurance claims
Important information
St.George does not guarantee any insurance and cover is subject to your application for insurance being accepted by the insurer. If you purchase an insurance policy through St.George or as a result of a referral, St.George will receive a commission which is a percentage of your premium.
General insurance
This information is general only and does not take into account your personal circumstances. St.George can arrange for the initial issue of the following insurance:
- Home & Contents and Landlord Insurance issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). View the Home and Contents Insurance Key Fact Sheets
- Motor Insurance issued by Allianz.
If you take out Home & Contents or Landlord Insurance or Motor Insurance with Allianz, the Bank will receive a commission of up to 12% of the premium (exclusive of GST).
St.George can refer clients to Allianz, Club Marine Limited ABN 12 007 588 347 AFSL 236916 (Club Marine) and AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) (both Club Marine and AGA act as an agent under a binder for Allianz), respectively, for each of the following insurance:
- Caravan & Trailer Insurance issued by Allianz,
- Pleasure Craft Insurance issued by Club Marine,
- Travel Insurance issued by AGA for the insurer Allianz.
for which it will receive a commission of up to 10% of the premium (exclusive of GST) if you take out the insurance (including renewals).
Policy terms, conditions, limits and exclusions apply. Read the relevant Product Disclosure Statement (PDS) to see if the insurance is right for you. Where applicable, a Target Market Determination (TMD) has been created for these products. For Caravan & Trailer and Pleasure Craft, please contact Allianz on 1800 812 133 for a copy of the TMD.
^The Building and Contents calculators, provided by Allianz through a third-party provider, are intended as a guide only. For a more accurate rebuilding or replacement cost, consider obtaining a professional valuation from a licensed builder or professional valuer.
Life insurance
Any financial product advice provided on this website is of a general nature only and does not take into account your personal circumstances. St.George refers customers to TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life), the issuer of life insurance policies. TAL Life is part of the TAL Dai-ichi Life Australia Pty Ltd ABN 97 150 070 483 group of companies (TAL). If you purchase a life insurance policy as a result of a referral from us, St.George will receive a commission of 10% of your premiums (exclusive of GST) for the period you continue to hold a policy.
Before purchasing life insurance, you should read the Product Disclosure Statement (PDS) and the Target Market Determination (TMD) to help you decide if life insurance is appropriate to your objectives, circumstances and needs. You can obtain the PDS and TMD from TAL’s website or by calling TAL on 1300 345 623.
By accessing TAL’s website, you will enter a third-party site not owned by St.George. Any personal information you provide to TAL's website will be collected, used, and disclosed in accordance with TAL's Privacy Statement and Privacy Policy, also available on their website.
If you would like help deciding whether life insurance is right for you, we recommend speaking to a financial adviser.
St.George’s Privacy Statement is available at https://www.stgeorge.com.au/privacy/privacy-statement or by calling us on 13 33 30. It covers:
- How you can access the personal information St.George holds about you and ask for it to be corrected;
- How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by St.George and how St.George will deal with your complaint; and
- How St.George collect, hold, use and disclose your personal information in more detail.