Code of Practice

Bankwest – Protect – Home and Contents Insurance

Posted: 2017-12-16 16:55

Underwriting :  The process where the insurance company’s underwriter (the insurer’s insurance provider) assesses your application for insurance cover. They look at your health, occupation, sport activities or other lifestyle factors, and income. The underwriter may accept you as a standard cover (first class rate), offer you special terms for cover, or may reject you outright.

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This insurance is issued by Commonwealth Insurance Limited ABN 96 567 579 766/AFSL 785585 (CIL). CommInsure is a registered business name of CIL. CIL is a wholly owned non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 98 678 678 679/AFSL 789995 (the Bank) and is the insurer for the CommInsure Home Insurance policy. The Bank and its related entities are jointly referred to as the Group. Bankwest, a division of the Bank, is a distributor of CIL’s insurance products. In the ACT, TAS and WA, CIL offers Domestic Workers’ Compensation Cover as an agent for Allianz Australia Insurance Limited ABN 65 555 677 855 (Allianz). The Group (other than CIL) does not guarantee the obligations or performance of CIL or Allianz or the products they offer. CIL does not guarantee the obligations or performance of Allianz or the products it offers.

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Please read our Product Disclosure Statement (PDS) for detailed coverage information about your insurance policy. The Premium, Excess and Discounts Guide (PED) provides further details on how we calculate your premium, excess levels and discounts. The Key Fact Sheets (KFS) provide a summary of coverage and should be read together with the PDS for a full understanding of policy coverage and limits. To learn more about these documents and when they apply, please see our policy booklets page

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This information is provided by CIL and has been prepared without considering your objectives, financial situation or needs. Before acting on this information you should consider the appropriateness of the product with regards to your personal circumstances. You can download a Product Disclosure Statement (PDS) and Financial Services Guide (FSG) by clicking on the links, at any store or by calling 68 67 69 for a paper copy and should be considered before making any decision about these products. Bankwest will receive a commission payment of up to 75% of the premium for arranging a policy sale. To find out how we manage your personal information, please see our privacy policy.

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6. 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. Online discount does not apply to the Portable Contents Cover when taken as a standalone policy.

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Online discount does not apply to Portable Contents Cover when taken as a standalone policy. 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.

Home Insurance is provided by CommInsure, a registered business name of Commonwealth Insurance Limited ABN 96 567 579 766 AFSL 785585 (CIL). CIL is a wholly owned non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 98 678 678 679 (The Bank). The Bank does not guarantee the obligations or performance of CIL or the products it offers. Where we refer to ''we'', ''us'' and ''our'', we mean CIL. 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. A Product Disclosure Statement is available at all Commonwealth Bank branches, by downloading them from or by calling 68 7978 and should be considered before making any decisions about this product. You should also read the Home Insurance Key Fact Sheet , Financial Services Guide and Privacy Policy which are also available by calling 68 7978.