** In arranging insurance Over Fifty Insurance Pty Ltd, ABN 58 007 165 200, Authorised Representative No. 295939 acts as an agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision about insurance, please consider the Product Disclosure Statement available from us. If you purchase insurance Over Fifty Insurance receives commission. Ask us for more information. * Financial institution transaction fees may apply. ** Competition runs 01/02/13 - 29/03/13. Prize drawn 19/04/13 at Lvl 11, 2 Market St Sydney. Winners' names published in The Australian 24/04/13. Authorised under NSW Permit No: LTPS/12/10093; ACT Permit No: ACT TP 12/04663. Full terms and conditions available here or at allianz.com.au/prize.

+ To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However customers who have had up to two claims may still qualify for reduced No Claim Bonus.

# Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

General insurance products are underwritten by the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708 (Allianz). Travel insurance is issued and managed by AGA Assistance Australia Pty Ltd ABN 52 097 227 177 AFSL No. 245631 trading as Allianz Global Assistance as agent for Allianz. In arranging these insurances, Over Fifty Insurance Pty Ltd acts as agent under agency arrangements with Allianz and Allianz Global Assistance.

Before acquiring an insurance product or service through Over Fifty Insurance Pty Ltd, please read the relevant Product Disclosure Statement & Supplementary PDS (where applicable) available on this website and the applicable Financial Services Guide (FSG). The FSG sets out important information in relation to the services we provide including our agency arrangement with Allianz and Allianz Global Assistance and details of our commissions. By continuing to receive a quote or to purchase insurance you agree to receive the Financial Services Guide (FSG) by accessing it from this website.

* Minimum premiums may apply. Any discounts/entitlements 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.
Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year's premium only (unless stated otherwise). From time to time, promotional or other discounts may be available for customers who apply for insurance via our Contact Centre.