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I'm about to install a new kitchen and renovate my bathroom - should I notify my insurer?

You should tell Allianz as soon as reasonably possible if during the period of insurance your building is in the course of construction or there are any alterations, additions, demolition, repairs to, or decorations of the buildings costing more than $75,000. If you don’t provide the information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent we are prejudiced by the delay or the non-disclosure.

When Allianz receive this information, Allianz may:

  • propose changes to the terms and conditions of your policy
  • charge you a higher premium
  • cancel your policy
  • decide not to offer to renew your policy.
  • cancel your policy policy if there is a change and we can’t reach an agreement with you on altered terms and conditions or premium; or we are no longer prepared to insure you because there has been a material change to the risk.

It is also important that you increase your sum insured to take into account any extensions or renovations to make sure you are adequately covered in the event of a home insurance claim.