Your insurance rights
Code of practice
We're proud to be a signatory to the General Insurance Code of Practice. The Code is part of the insurance industry’s commitment to be open, fair and honest in the way it deals with all its customers, letting you know the standards of customer service you can expect.
The Code Governance Committee is the independent body that monitors and enforces insurers' compliance with the General Insurance Code of Practice.
The Committees purpose is to drive better Code compliance, helping the insurance industry to improve its service to consumers.
Protecting your privacy
The protection of your personal information is something we take very seriously. We protect your personal information in accordance with the National Privacy Principles and relevant industry privacy codes.
Emergency Services Levy (ESL) Reform
What you need to know about the NSW ESL and how it impacts your insurance premium.
Compliments & complaints
We put our customers at the centre of everything we do, so letting us know when we surprise and delight you goes a long way.
We also want to know when we've let you down so we can put things right.
Things you should know
1 If you purchase combined Residential Building and Contents Cover, a discount of up to 15% will be applied to your basic premium. If you purchase combined Investment Building and Contents Cover, a discount of up to 10% will be applied to your basic premium. This discount cannot be used in conjunction with any other discount (other than those listed in the relevant Product Disclosure Statement or any Supplementary Product Disclosure Statement) or in conjunction with any other promotional offer, unless we have advised in the promotional offer that this discount will apply. We may remove or change this discount effective from the renewal date. This discount cannot be backdated. Minimum premiums may come into force and reduce the extent to which discounts are applied. No discounts apply to Portable Contents Cover when taken as a standalone policy.
2 accident and sickness both have specific meanings set out in the Income Protection provided by AIA Product Disclosure Statement (PDS).
Home Insurance and Car Insurance are provided by Commonwealth Insurance Limited ABN 96 067 524 216 AFSL 235030 (CIL). CommInsure is a registered business name of CIL. The Bank does not guarantee the obligations or performance of CIL or the products it offers. This information is provided by CIL and where we refer to ‘we’ and ‘our’, we mean CIL.
Life Insurance provided by AIA Australia (Life Insurance) and Income Protection provided by AIA Australia (Income Protection), as described on this website, are provided and issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia) and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). AIA Australia is not part of the CBA Group. CBA and its related entities do not sell, issue or guarantee the obligations or performance of AIA Australia or the products it offers and these insurance products do not represent a deposit with or liability of either CBA or any of its related bodies corporate. If you purchase a Life Insurance and/or Income Protection policy, CBA is paid a commission which is a percentage of your premium.
The health insurance products described on this website are issued by AIA Health Insurance Pty Ltd (ABN 32 611 323 034) (AIA Health) and are distributed by AIA Financial Services Limited (ABN 68 008 540 252) (AIA Financial Services), a wholly owned subsidiary of AIA Australia. CBA has been authorised by AIA Financial Services to promote health insurance products issued by AIA Health to its customers, for which CBA receives a commission.
AIA Australia, AIA Health and AIA Financial Services are not part of the CBA Group and CBA does not guarantee the performance of any products issued by AIA Australia, AIA Health or the obligations of AIA Australia, AIA Health or AIA Financial Services.
Travel Insurance is provided by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145 AFSL 241713 (Cover-More) for CBA.
Financial Planners are representatives of Commonwealth Financial Planning Limited ABN 65 003 900 169 AFSL 231139 (CFP).
CIL and CFP are wholly owned non-guaranteed subsidiaries of CBA.
This information has been prepared without considering your objectives, financial situation or needs. You should, before acting on this, consider the appropriateness to your circumstances, including by reading our Product Disclosure Statements, Premium, Excess and Discount Guide (PEDG), Key Facts Sheets (KFS) and Financial Services Guide (FSG).