How do I make a claim with NAB?

If you need to make a claim on your NAB home and contents insurance policy, you can do so in 2 ways: Online. The fastest and easiest way to claim is using Allianz's online claims form. The form is available 24/7 and can be completed in under 10 minutes. Over the phone. You can call Allianz's 24/7 claims hotline on 1300 555 013. An Allianz claims consultant will talk you through how to lodge your claim. You will need to provide your policy number and full details of the incident leading to your claim. You should also provide any information or documentation requested by the insurer, such as proof of ownership or police report numbers, as soon as possible.

Can I choose my excess amount?

Yes, you have the option to reduce your premium by varying your NAB home insurance excess amount.

Is there a discount available if I don't make any claims?

Yes, a maximum no-claim bonus discount of 30% is available for policyholders who have had no buildings or contents insurance claims in the preceding 5 years.

How long is the cooling-off period?

NAB's policies feature a cooling-off period of 14 days. This means that you will be entitled to a full refund if you cancel your policy within the first 14 days and you have not made any claims.

Is my policy protected against inflation?

Yes, your sums insured are automatically indexed with reference to the Consumer Price Index.

Can I also cover my personal effects?

Yes, optional personal valuables cover is available to help you cover your smartphone, jewellery and other portable items.

NAB home insurance review

4.1 (16 reviews) Write a review

NAB offers pet insurance benefits including accommodation and vet costs but initial discounts are often lower than competitors.
Allianz (NAB's underwriter) had 765 building complaints in 2024/25, with a 27% resolution rate, often lower than competitors.
A 30% no-claim bonus is possible after five years, but note the cooling off period of 14 days and the 72-hour exclusion period on flood cover.

Our verdict

It's good for pet owners. It can provide alternative accommodation for your pets and cover $500 in vet costs if they're injured in a road accident.
It had relatively few complaints in 2020 even compared to other smaller sized insurers.

You can get up to 10% off your first year's premium when you purchase a combined NAB home and contents insurance policy online. This is less than insurers including Budget Direct and ING.

What does NAB home insurance cover?

You can get 3 different policy types with NAB. These are building insurance, contents insurance and a combined home and contents insurance policy.

Some main events covered by NAB home insurance include:

fire icon

Fires

lock icon

Theft

water tap icon

Escape of liquid

thunderstorm icon

Storms

broken package icon

Malicious damage

NAB home insurance is issued by Allianz Australia Insurance Limited, which is one of the largest insurance companies in Australia. It has a below average cooling off period of 14 days and you will be required to pay an excess when you claim.

Here's the rundown of a NAB home insurance policy

Standard features
Optional add-ons
Exclusions

Check icon

Standard features

These are some of the features that you can claim on if an insured event causes damage or loss to your property or belongings.

Alternative accommodation for you and your pets
Vet costs
Debris removal
Rebuilding and professional fees
Making your home buildings environmentally friendly
Buildings modifications
Building code compliance costs
Guest, visitor and domestic helper property
Moving house
Food or medicine spoilage
Flood cover – included as standard on new policies taken out on or after 14 January 2025 (72-hour exclusion period applies)

plus icon

Optional add-ons

NAB home insurance comes with similar optional add-ons to most insurers. You'll find that most make you pay extra for accidental damage cover.

Accidental damage
Motor burnout (included with accidental damage)
Portable contents
Domestic Workers' Compensation cover (in ACT, WA and TAS)

Exclusions

All home insurance policies will have general exclusions. Here are a few exclusions from NAB. For the full list, head to the Product Disclosure Statement (PDS).

Depreciation
Earth movement
Misplaced items
Pre-existing damage

Electronic data
Mould
Terrorism
Stump or tree removal

Make sure you read NAB's PDS for a more detailed breakdown of exclusions. You can also head to general exclusions for more information.

A quick review of NAB home insurance complaints

Allianz Australia, the brand that underwrites NAB home insurance, was the subject of 765 home insurance complaints and 138 contents insurance complaints in the 2024/25 financial year. However, Allianz Australia is categorised as a "very large" insurer. AAI, another "very large" insurer, received 1,584 home insurance complaints and 384 contents insurance complaints in the same time period.

Comparison of complaint data from major home insurers.

Home insurance complaints - NAB · dw:g8yGa
Underwriter	Provider	Complaints received (building)	Complaints resolved at registration & referral (building)	Referral resolution rate	Complaints received (contents)	Complaints resolved at registration & referral (contents)	Referral resolution rate
Allianz Australia Insurance Limited	NAB	765	205	27.30%	138	42	32.06%
Insurance Australia Limited	NRMA	932	412	42.08%	240	123	50.83%
QBE Insurance (Australia) Limited	QBE	680	214	31.66%	58	19	32.76%
AAI Limited	AAMI	1,584	838	51.82%	384	204	56.2%

NAB home insurance frequently asked questions

If you need to make a claim on your NAB home and contents insurance policy, you can do so in 2 ways:
- Online. The fastest and easiest way to claim is using Allianz's online claims form. The form is available 24/7 and can be completed in under 10 minutes.
- Over the phone. You can call Allianz's 24/7 claims hotline on 1300 555 013. An Allianz claims consultant will talk you through how to lodge your claim.
You will need to provide your policy number and full details of the incident leading to your claim. You should also provide any information or documentation requested by the insurer, such as proof of ownership or police report numbers, as soon as possible.

Compare other products from NAB

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

Add to Preferred Sources

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 521 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

More resources on Finder

More guides on Finder

ALDI home insurance review
ALDI offers home, contents and landlords insurance. Its policies have thorough coverage with generous benefit limits.
Defence Services home insurance review
If you serve or have served, you are probably eligible for home insurance with the Defence Service Homes Insurance Scheme.
GIO home insurance review
GIO home Insurance has one of the most comprehensive policies around, covering you for environmental upgrades, emergency accommodation + more.
Jewellery insurance
A surprising range of factors will shape your jewellery insurance options. Find out how to make the best choice.
RAC home insurance review
If you live in WA, RAC home insurance could be good for you. It comes with lots of benefits and savings, including RAC membership.
CBA Home Insurance Review
Compare features and benefits of CBA's home insurance policy. Discover if it's right for you with this handy guide.
Bank of Queensland Home Insurance
Need home and contents insurance? Check out Bank of Queensland's Vero Secure Home Extra Insurance and Vero Secure Home Elite Insurance policies.
Budget Direct Home Insurance Review
Here's a review of the home insurance products available from Budget Direct.
Suncorp home insurance review
Compare the home insurance options available from Suncorp.

NAB home insurance review

NAB home insurance could be good if you want to go with a big insurance provider but there are bigger discounts elsewhere.