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Insurance discounts


Home Insurance discounts

Cover Selected

Internet Discount

Residential Home Package

If you apply online and you purchase building or contents you will receive up to 10% discount off the basic premium*

If you apply online and you purchase combined building and contents on the same policy you will receive up to 15% discount off the basic premium.*

Investment Home Package

If you apply online and you purchase building or contents you will receive up to 5% discount off the basic premium.*

If you apply online and you purchase combined building and contents on the same policy you will receive up to 7.5% discount off the basic premium.*

Selected Excess Options to reduce your premium

You can reduce the premium you pay on your policy by selecting a higher excess option for your building and/or contents.

Available excess amounts are listed below:


Residential Home Package

Selected Excess Options available for building and contents: $0*, $100, $200, $300, $500, $750, $1,000, $2,000, $5,000
* $0 excess option is only available for customers aged 50 years old and over.

Please note, you will only have to pay the excess if you ever need to make a claim.


Investment Home Package

Selected Excess Options available for building and contents: $100, $200, $300, $500, $750, $1,000, $2,000, $5,000

Please note, you will only have to pay the excess if you ever need to make a claim.

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Car Insurance discounts

Apply online and receive up to 10% discount off the base premium when you purchase Car Insurance. *


No Claim Discount

Our Comprehensive policy can reward you with discounts on your car insurance for good driving and claims history. Our No Claim Discount savings start at 25% and go as high as 70%. We calculate your No Claim Discount by looking at the number of years you've been driving and your claims and accident history. This discount, when available to you, is in addition to any other discount or promotional offers.


Restricted Driver

The Restricted Driver option offers a reduction in premium when drivers under the age of 30 are NOT covered for any loss or damage to your vehicle.


Voluntary Additional Basic Excess

If you choose to pay an excess in addition to the basic excess, you will receive a discount off your premium. The higher your voluntary excess, the larger the discount.

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  • Important Information
    *This discount cannot be used in conjunction with any other discount or promotional offer and cannot be added retrospectively. Minimum premiums may come into force and reduce the extent to which discounts are applied. We may elect to remove this discount at any time from a policy in which case it will be removed at the renewal date of the policy.

    This advice has been prepared without taking into account your individual objectives, financial situation or needs. You should, before acting on this information, consider its appropriateness to your circumstances. A Product Disclosure Statement (PDS) for Home Insurance issued by CIL is available by clicking here or by calling 13 24 23 and should be considered before making any decisions about these products.

    CommInsure is a registered business name of Commonwealth Insurance Limited (CIL)  ABN 96 067 524 216 AFSL 235030; and The Colonial Mutual Life Assurance Society Limited (CMLA) ABN 12 004 021 809 AFSL 235035. The insurer for Home and Car Insurance is CIL and the insurer for Life and Loan Protection Insurance is CMLA, which are both wholly owned subsidiaries of the Commonwealth Bank of Australia. Commonwealth Bank of Australia does not guarantee the obligations or performance of CIL or CMLA or the products they offer. Product Disclosure Statements for these products are available by clicking "Download a PDS or FSG"  and should be considered in making any decision about these products.