Win a Mediterranean cruise! (Purchase Required) Beyond Bank

TERMS & CONDITIONS:
Beyond Bank Australia is a trading name of Community CPS Australia Ltd ABN 15 087 651 143 AFSL/Australian Credit License 237 856 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz). We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement available from <FI website>. If you purchase this insurance, we receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services. *Competition runs from 30/01/17 – 31/03/17. Prize is drawn on 05/04/2017 at Level 13, 2 Market St Sydney. Winner’s name published in The Australian on 08/04/2017. Authorised under NSW Permit No: LTPS/16/09927, ACT Permit No: TP16/02449, SA Licence No: T16/2238. Promotion terms and conditions available at allianz.com.au/prize. Promoter is Allianz.
# Mediterranean Cruise – Prize consists of return economy class flights for two from the prize winner’s nearest Australian State capital city to a designated city in Europe (including checked luggage and taxes), return private airport transfers from designated airport to designated accommodation, 2 nights 4* pre-cruise accommodation (twin share), return private transfers from designated accommodation to cruise port, 7 nights MSC Mediterranean cruise for two (including stay in a Balcony Cabin (or similar), breakfast, lunch and dinner daily on board, on board activities and daily and nightly entertainment), 2 nights 4* post-cruise accommodation (twin share) and AUD 1,000 spending money.
^Minimum premiums may apply - Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. For Home and Landlord insurance discounts may not be applied to any flood component of the premium (if applicable).
<ˢSave up to 10% when you buy online – Applies to the first year’s premium only (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods. For Motor insurance, the online discount applies to Comprehensive Motor insurance policies only.>
<⌂Up to 90 days’ free buildings cover may only be used during your settlement period - The offer of free building cover may only be used in conjunction with the purchase of a residential home or residential investment property and the purchase of a twelve (12) month Home or Landlord Insurance Policy for that property which includes buildings cover. It is not available to land-only ownership or Strata Title properties. This insurance is subject to normal underwriting terms and is offered subject to your eligibility for home or landlord insurance with the insurer. You must consider whether you need insurance for your settlement period as this varies from state to state and may depend on the terms of your contract for sale of property. Please seek independent advice to ensure that you are adequately covered at the appropriate time. By purchasing a twelve (12) month home or landlord insurance policy (including buildings cover), your policy will include an additional free cover period for your building(s) of up to a maximum of 90 days before the start date of your twelve month policy. The free cover period effective date and expiry date will be shown in your policy schedule. The expiry date will be the settlement date nominated by you, which cannot exceed the ninetieth (90th) day from the start of the free cover period. The twelve (12) month period of insurance under your home or landlord insurance policy will commence immediately following the expiry of the free cover period. Once the policy is purchased, the expiry date of your free buildings cover and the commencement date of your twelve (12) month insurance policy cannot be changed unless agreed to by Allianz in writing. The terms, conditions, limits and exclusions in your home or landlord insurance policy (which are set out in the Product Disclosure Statement and policy schedule) will apply to the free cover period. These include, but are not limited to, ’Buildings not lived in for more than 60 days’, ‘taking precautions’ and ‘security devices and burglar alarms.’ The optional additional cover ‘Rent Default and Theft by Tenant’ if selected in the landlord insurance policy, does not apply during the free cover period.>
+Up to 10% Safe Driver Discount for eligible drivers – Safe Driver Discount applies to new Motor Insurance policies with comprehensive cover only. To be eligible for a Safe Driver Discount, the rateable driver must be aged 30 years or over, the insured (owner) must have held a maximum no claim bonus for the last five consecutive years and all nominated drivers must have had no at fault claims for the last five years.
◊Up to 65% No Claim Bonus - Maximum discount percentage varies from States to State.
■12 months’ Roadside Assistance - Offer valid for new Allianz Comprehensive Motor Insurance policies purchased through Beyond Bank. 12 months’ standard roadside assistance membership is provided by AGA Assistance Australia Pty Ltd ABN 52 097 227 177, trading as Allianz Global Assistance. Terms, conditions, exclusions and limitations apply to the offer and the 12 month standard roadside assistance membership, which are available at allianz.com.au/roadside.
�Option to pay by the month at no extra cost - Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.