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What home insurance discounts are available?

There are two discount options available with Qantas Home Insurance:

  1. up to 15% discount on your first year’s premium when you combine both home and contents^; and
  2. a 15% discount on your first year’s premium when you take out a policy online^

This means that if you take out a combined home and contents policy online, you could receive a 30% discount.^

Give us a call on 13 49 60 and one of our insurance specialists will be happy to answer any questions you may have. Plus, if you’ve already got a quote online, have your quote ID handy and you’ll still be eligible for an online discount on your policy. Discount applies to the first year premium only.^

^Online Discount and Combined Discount Terms and Conditions

Effective for new policies quoted on or after 24 September 2026.

Online Discount

  • An online discount of 15% for the first year applies to the premium for a new policy that is purchased or Quoted Online (Online Discount).  
  • ‘Quoted Online’: The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested. 
  • The Online Discount is available for the following types of policies: 
    • Home insurance: Combined Home and Contents, Home Building, Contents  
  • If a customer makes amendments to their policy during the first year requiring a recalculation of the premium payable, the Online Discount may not apply from the date of any such amendments. 

Combined Discount

  • A discount of up to 15% for the first year applies to the premium for a new combined Home and Contents policy if purchased in a single transaction (as opposed to purchasing separate policies for each) (Combined Discount). 
  • The Combined Discount does not apply if a customer purchases a standalone Home Building only or Contents only policy and later adds the other cover type in a subsequent transaction.
  • If any amendment is made to a combined Home and Contents insurance policy (other than the cancellation of either the Home Building or Contents cover) in the first year, the Combined Discount percentage that will be applied to calculate the amended premium will be the same as the Combined Discount percentage that was applied at policy inception.
  • If either the Home Building or Contents cover is cancelled during the first year, the Combined Discount will no longer apply to the premium on the remaining cover for the balance of the first year.  
  • The application of the Combined Discount cannot take the premium for a combined Home and Contents policy below the premium, plus $5, that would apply to the Home Building insurance or Contents insurance policies if purchased separately.
  • A customer purchasing combined Home and Contents insurance can obtain the benefit of both the Online Discount and Combined Discount if the terms and conditions for both those discounts are satisfied.

Conditions

  • Discounts are for the first year of a new policy only. They do not apply on renewal. Existing customers are not eligible for the discounts if they seek to take out a new policy for an item that is already insured with us rather than renewing their existing policy.
  • Discounts only apply to the insurance portion of the premium.  They do not apply to government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of discounts may therefore be impacted.
  • For Home insurance policies there are minimum premiums that apply.  Any discount a customer may be eligible for may be reduced if it would have the effect of reducing the final premium to below any applicable minimum premium level.
  • In some cases, rounding processes might mean that the actual discount that is applied is 1c more or less than the exact percentage that is represented.
  • Discounts may be withdrawn or changed, or the terms and conditions on which they apply varied, without notice. Any such withdrawal, change or variation will not impact policyholders who have already purchased their policy.

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