Insurance

This information is current as at the date of this communication and may change. This information may include general advice but does not take into account your objectives, financial situation or needs, and so you should consider the appropriateness of the advice having regard to your circumstances before acting on it. You should, before making a decision about acquiring or continuing to hold these products, read the relevant Product Disclosure Statement (PDS) and other important disclosure documents available online. If necessary, you should obtain professional advice from a financial, tax, medical or health professional.

CommBank Yello points: Available on new eligible policies for Home, Car, Health and Life insurance products.

Customers must meet applicable CommBank Yello and offer eligibility requirements. Exclusions apply. There may be tax implications of receiving CommBank Yello points under this Offer.  Please refer to the CommBank Yello FAQs or seek independent advice. See the full offer terms and CommBank Yello Terms and Conditions here for details.​

General Insurance 

1 If you purchase combined Home Building and Contents Cover, a discount of up to 15% will be applied to your annual base premium. If you purchase combined Landlord Building and Contents Cover, a discount of up to 10% will be applied to your annual base premium. 

This discount cannot be used in conjunction with any other discount (other than those listed in the relevant Product Disclosure Statement (PDS) or any Supplementary Product Disclosure Statement or offer, unless otherwise advised. This discount may be removed or changed effective from the renewal date. This discount cannot be backdated. This discount is calculated before taxes and government charges are applied.  

2 Cover for damage caused by bushfire, storm, rainwater or flood is excluded for the first 72 hours of the policy (exceptions apply). Claim limits and other exclusions apply.  

3 This discount cannot be used in conjunction with any other discount (other than those listed in the relevant Product Disclosure Statement (PDS) or any Supplementary Product Disclosure Statement), saving or promotional offer, unless otherwise advised. This discount may be removed or changed effective from the renewal date. This discount cannot be backdated. This discount is applied to annual base premium and excludes levies, Government charges and Roadside Assistance. To find out more about how your premium is calculated, read the PDS and Premium, Excess and Discount Guide (PEDG).  

Home Insurance, Landlord Insurance and Car Insurance are provided by Hollard Insurance Partners Limited ABN 96 067 524 216, AFSL 235030 (Hollard) and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). Hollard is the insurer of these general insurance products. Hollard is not part of the CBA Group. CBA does not guarantee the obligations or performance of Hollard or the products Hollard offers. Neither CBA, nor any of its related bodies corporate accepts liability or guarantees payment of any claim or benefit in respect of these general insurance products issued by Hollard. CBA may be paid a commission if Hollard issues you with a Home, Landlord and/or Car Insurance policy. Details are provided in the Financial Services Guide (FSG) by clicking on the link, or by calling 13 1361 for a paper copy. 

For products issued by Hollard, information about the target market can be found within the product’s Target Market Determination. 

Health insurance  

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 Limited (ABN 79 004 837 861) (AIA Australia). 

Commonwealth Bank of Australia (ABN 48 123 123 124) (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 Health, AIA Financial Services and AIA Australia are not part of the CBA Group and CBA does not guarantee and is not responsible for the performance of the health insurance products issued by AIA Health or the obligations of AIA Health, AIA Financial Services or AIA Australia. For more information about the products and services CBA provides, you should read CBA’s Financial Services Guide and Privacy Policy. 

This information is current as at the date of this communication and may change. It is general information only and is not intended in any way to be financial, legal, tax, health, medical, nutritional or other advice. You should consider your own personal circumstances and needs and view the relevant product documents, fact sheets, fund rules and terms and conditions before deciding to acquire such products. If necessary, you should obtain professional advice from a financial, tax, medical or health professional. 

Life insurance, Income protection, Total and permanent disability (TPD) cover and Trauma cover  

4 Accident, Sickness, Illness, Injury, Total Disablement (Income Protection CORE) and Partial Disablement (Income Protection CORE) have specific meanings set out in the Product Disclosure Statement (PDS). Please refer to the PDS for a detailed description. 

5 TPD - Any Occupation definition: Provides a lump sum payment if you are unlikely to ever return to work in any occupation that is suited to your education, training or experience, after being continuously disabled for at least three months due to an Injury or Sickness. Please refer to the PDS for a detailed description. 

Priority Protection provided by AIA Australia (Life Cover, Total and Permanent Disablement, Crisis Recovery and 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. 

The information on this page is intended to provide general information. It is current at the date of publication and may change. It has been prepared without taking into account your objectives, financial situation or needs and is not intended in any way to be financial, legal, tax, health, medical, nutritional or other advice. You should, before acting on this information, consider the appropriateness to your circumstances and needs and read the relevant product documents (Product Disclosure Statements (PDS), fact sheets, fund rules and terms and conditions) before deciding to acquire or continue to hold any of these products. For Priority Protection provided by AIA Australia (Life Cover, Total and Permanent Disablement, Crisis Recovery and Income Protection), you should refer to the relevant Product Disclosure Statements (PDS) before making a decision on the product. If necessary, you should consider obtaining advice from a financial, tax, medical or health professional.  

AIA Australia has prepared Target Market Determinations (TMDs) which describe the class of consumers that comprise the target market for each cover type available for this product. The Target Market Determinations can be sourced at www.aia.com.au/tmds. 

AIA Australia has adopted the Life Insurance Code of Practice, which contains minimum standards of service that customers can expect from insurers. The code can be found at aia.com.au/en/about-aia/about-us/industry-standards. 

For any questions about these products, call AIA Australia on 1800 491 588, Mon–Fri, 9am–5pm (Syd/Melb time). Neither CBA nor any of its related bodies corporate are authorised representatives of AIA Australia. For more information on the financial services CBA provides, you should read CBA’s Financial Services Guide and Privacy Policy. If you purchase a Priority Protection policy, CBA is paid a commission by AIA Australia which is a percentage of your premium. 

Pet Insurance  

Pet Insurance is issued by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). PetSure is not part of the CBA Group. CBA and its related entities do not sell, issue or guarantee the obligations or performance of PetSure or the products PetSure offers and this insurance product does not represent a deposit with or liability of either CBA or any of its related bodies corporate. If you purchase a pet insurance policy, CBA is paid a commission. PetSure has prepared a Target Market Determination (TMD) which describes the class of consumers that comprise the target market for this product. The TMD is available at https://www.commbank.com.au/insurance/brochures-forms. 

^Offer commences on 1 December 2025 and ends 30 June 2026 at 11.59pm AEST (Offer period). 

Offer provides new customers with two months free in their first policy year only when they purchase a Pet Insurance policy distributed by Commonwealth Bank of Australia (CBA) during the Offer Period (Offer). If you choose to pay by monthly or fortnightly instalments, you will not be charged an instalment for the first two months of your policy, from the selected policy commencement date. The first premium will be charged on the first premium instalment of the third month of your policy. For annual payments, the two months free will be deducted from your first policy year premium at the time of purchase. 

To redeem the Offer by phone, eligible customers must use the promo code CBA2MONTH at the time of purchasing the Pet Insurance policy distributed by CBA. Offer is automatically applied to online quotes at the time of purchasing the Pet Insurance policy distributed by CBA. Customers can remove this Offer at the time of purchase.  

Offer will cease if you change your level of cover. 

Offer cannot be used in conjunction with any other offer. 

Eligibility criteria applies for Pet Insurance distributed by CBA, subject to the applicable Pet Insurance policy terms and conditions, including limits, exclusions and waiting periods (see Product Disclosure Statement). 

CBA reserves the right to withdraw, vary or extend this offer at any time, without notice.  

Travel insurance

Cover is provided by XCover.com, a trading name of Cover Genius Pty Ltd (ABN 43 159 983 598, AFS Licence No. 490058), and underwritten by Allied World Assurance Company Ltd (ABN 54 163 304 907), for Commonwealth Bank of Australia (CBA). Limitations, exclusions (including for pre-existing medical conditions and persons aged 80 years or over) and eligibility criteria apply. You may need to upgrade your travel insurance in order to have a comprehensive or extended level of cover. Before acting on this information you should consider the appropriateness of the product with regard to your personal circumstances.  

~ For eligible cards (Gold Awards, Platinum Awards, Diamond Awards, Smart, Ultimate, Qantas Business Rewards credit cards and World Debit Mastercard) to receive cover, before you leave Australia you must;  

1. Spend at least $500 in a single transaction on your prepaid travel costs (e.g. airline tickets, hotels, tours etc) using your eligible card; and 

2. Activate your travel insurance. 

 Customers will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points or Travel Booking travel credits (prior to 29 September 2026) or using CommBank Yello points or Travel booking credits (from 29 September 2026). Customers will need to provide a copy of the letter/statement/email confirming the redemption, or a screenshot of the Travel Booking confirmation with the payment method.

See the Card Insurances Combined Product Disclosure Statement and Financial Service Guide and Card Travel Insurance Target Market Determination for details.  

For World Debit Mastercard, see the World Debit Mastercard Combined Product Disclosure Statement and Financial Service Guide and World Debit Mastercard Insurances Target Market Determination.  

For Qantas Business Rewards, see the Qantas Business Rewards Combined Product Disclosure Statement and Financial Services Guide and Qantas Business Rewards Target Market Determination.   

For purchasable Travel Insurance, see Travel Insurance Combined Product Disclosure Statement and Financial Services Guide and Travel Insurance Target Market Determination.  

Commonwealth Bank and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either Commonwealth Bank or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase an upgrade policy, we (Commonwealth Bank) receive a commission which is a percentage of your premium.  

6 This figure has been provided by AIA Australia. CBA does not guarantee the accuracy of this data. For more information, visit the AIA website. 

7 This figure has been provided by PetSure. CBA does not guarantee the accuracy of this data. For more information, visit the PetSure website.