All your insurance needs

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1 Insurance at Bankwest All your insurance needs People like to be protected. Happy Banking

2 What do you need protecting? Life can be unpredictable. Luckily, Bankwest has a range of products from our insurance partners Vero & St Andrew s, to help you protect the things you ve worked so hard for. So, let s take a look at how we can help protect the important things in life. It s good to protect the things you work hard for.

3 What s inside? 03 Home and Contents Insurance Car Insurance Travel Insurance Protection for your credit card Protection for your personal loan Protection for your home loan Contact us

4 Home & Contents Insurance People are happier knowing their house and its contents are protected. But would having your Home & Contents Insurance in one place also make things easier? We d like to think so, which is why we can arrange to insure your home, your contents, or a combination of the two through our insurance partner Vero. Whether you are a home owner, renter or an investor, we can arrange Home & Contents Insurance with benefits including: discount of 5% for insuring your home & contents under the same policy flood cover as standard^ Insure your contents and you ll also benefit from: new for old replacement for contents, regardless of age protection against fraudulent use of credit cards up to $1,500 cover for contents lost or damaged away from the home for up to 90 days If you own an investment property, we can also arrange a comprehensive insurance package for landlords to protect your investment. This package covers your property and/or its contents and can also cover you for loss of rent for an insured event or tenant default.

5 Car Insurance 05 Bankwest can take the hassle out of arranging cover for your car, with an instant quote through our insurance partner Vero that offers you a choice of agreed or market value. You ll be provided with a hire car if your car is stolen, or you re involved in an accident which isn t your fault. Simply choose the car insurance that suits you, be it Comprehensive, Third Party property and bodily injury, or Third Party including fire and theft. Outstanding benefits a new vehicle if your car is a total loss within the first two years of registration up to $750 cover for personal items that are damaged or stolen get you home cover of up to $500 following an accident over 100 kms from home cover for towing and storage 24 hour 7 day car insurance claims assistance I couldn t bear to lose my car!

6 Travel Insurance Your toothbrush, new camera, pocket guidebook... is something missing from your travel preparations? Travel insurance! It takes a long time to plan and save for your holiday and only seconds for something to go wrong. But with the right Travel Insurance, you can leave your worries behind and enjoy peace of mind knowing that your overseas medical expenses and belongings are covered. Bankwest can offer a choice of Holiday Travel or Annual Multi-Trip Travel insurance through our partner Vero, to give you cover for unexpected occurrences. Outstanding benefits 24-hour emergency medical and travel assistance overseas medical and dental expenses expenses for cancellation of travel and accommodation unlimited additional expenses for transport and accommodation in the event that you re not able to complete your journey cover for loss or damage to personal baggage and travel documents

7 Protection for your credit card 07 At Bankwest we like our customers to be happy. And happiness comes with peace of mind, which is what you can get with Credit Card Protection* from our insurance partner St Andrew s. It lets you get on with life knowing that if you re unable to work due to accident, illness or involuntary unemployment, your credit card payments can be taken care of. You pay just 55 cents for every $100 on your credit card balance, and nothing at all if your closing balance is zero on your latest statement. That should make you happy! Outstanding benefits your premium is automatically calculated and deducted from your card each month 20% of your outstanding balance is paid each month (up to a maximum of $4,000), for up to 13 months for Accident & Sickness and up to 6 months for Involuntary Unemployment. if your closing balance is zero or in credit on your latest statement, you don t pay anything in the event of your death or diagnosis of a Terminal Illness, your outstanding balance is paid in full along with a Protect Plus payment equal to the same amount (up to a maximum of $50,000) pays a lump sum payment of $200 to your credit card when you celebrate a Lifestyle Event such as getting married, having a child or purchasing a new home

8 Protection for your personal loan Credit Protection* insurance from our insurance partner St Andrew s offers you peace of mind by covering your loan repayments if you re unable to do so due to injury or sickness, or if you suddenly lose your job. Credit Protection insurance can cover you for the unexpected events in life like involuntary unemployment, illness, accidental injury and death. It means that if you are faced with some of life s unexpected problems, Credit Protection insurance can give you the comfort of knowing that your loan repayments can be met. You can select your own cover combination from the cover types below choosing either a single cover type, two types of cover or all three: Life - Covers you for loss of life or diagnosis of a terminal illness Accident & Sickness - Cover if you can t work due to an accident or illness Involuntary Unemployment - Cover if you lose your job unexpectedly Involuntary Unemployment cover can only be purchased where Life Cover and/or Accident & Sickness cover has been selected.

9 09 Outstanding benefits your life benefit will remain fixed during the term of your cover rather than reducing with your outstanding loan balance an early payment of your life benefit in the event of a diagnosed Terminal Illness you re covered 24/7, not just while you are working after a 30 day excess period on all Accident & Sickness or Involuntary Unemployment claims, regular benefits are paid until you return to work or the maximum benefit limits are reached involuntary unemployment benefits are paid regardless of any other payouts from your employer It s good to feel protected.

10 Protection for your home loan Buying a house is meant to bring you joy, not stress. Bankwest can help take some of the stress out of owning a new home by arranging Credit Protection* insurance from St Andrews to help cover your home loan repayments when you can t. You can select your own cover combination from the cover types below choosing either a single cover type, two types of cover or all three. Life - Covers you for loss of life or diagnosis of a terminal illness Accident & Sickness - Cover if you can t work due to an accident or illness Involuntary Unemployment - Cover if you lose your job unexpectedly Involuntary Unemployment cover can only be purchased where Life Cover and/or Accident & Sickness cover has been selected. Outstanding benefits your life benefit will remain fixed during the term of your cover rather than reducing with your outstanding loan balance an early payment of your life benefit in the event of a diagnosed Terminal Illness you re covered 24/7, not just while you are working after a 30 day excess period on all Accident & Sickness or Involuntary Unemployment claims, regular benefits are paid until you return to work or the maximum benefit limits are reached involuntary unemployment benefits are paid regardless of any other payouts from your employer

11 Contact us 11 Need more information? Or ready to apply for an Insurance product? We ll make it easy for you Pop into a store Feel free to walk into any Bankwest store to apply. To find your nearest store visit bankwest.com.au/find-us π Give us a call Call us on to arrange your Insurance over the phone. We re available to take your call 8am-8pm 7 days a week. µ Apply online We offer the convenience of online application for many of the insurance products we offer. Simply visit bankwest.com.au/personal/insurance

12 Important things you should know: The following insurance products Credit Protection and Credit Card Protection are issued by St Andrews Insurance (Australia) Pty Ltd ABN AFSL and St Andrew s Life Insurance Pty Ltd ABN AFSL (collectively St Andrews). St Andrew s is not an Authorised Deposit Taking Institution. Home and contents, motor and travel insurance products are issued by AAI Limited ABN , AFSL trading as Vero Insurance. ^Exclusions and conditions apply. Eg action of the sea and tidal waves plus certain property such as retaining walls are not covered. These products are not products of, nor guaranteed by Bankwest. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation or needs. Read the Product Disclosure Statements for these products before buying them to consider whether the products are right for you. Contact a Bankwest store or Bankwest Customer Help Centre on for a copy. Bankwest receives a commission of up to 20% of the premium for arranging a policy sale. All cover is subject to acceptance by the issuer. *Credit Protection and Credit Card Protection are optional and you are free to arrange similar cover with another insurer. Bankwest is a division of the product issuer Commonwealth Bank of Australia ABN AFSL/Australian credit licence BWA visit any store π µ bankwest.com.au

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