How do I make a claim with NAB?

Before you claim, it's important that you contact the police if a theft or attempted theft has taken place. Then you can contact the Allianz claims centre (the underwriter) or make a claim online . It should only take you around 10 minutes and you'll be given a confirmation number straight away for your reference. The claims lodgement service is available 24/7. You'll need your policy number or address and details of what happened including photos, quotes and receipts

What excesses do I have to pay with NAB?

All insurers generally require you to pay an excess when you make a claim. This is a specified amount that you'll need to pay upfront towards the costs of a claim. With NAB, you'll pay a basic excess as outlined by NAB and a voluntary excess which you can choose to help lower the cost of your premiums. In some cases, NAB may impose an additional compulsory excess depending on your claims history and risk. This will be outlined on your policy schedule or PDS. There is also generally an earthquake and tsunami excess. This is an additional excess of $250 you'll need to pay for any claims related to an earthquake or tsunami, during any period of 48 consecutive hours.

Does NAB landlord insurance cover a furnished property?

Yes. You can get contents cover (which covers furnished properties) or a combined building and contents cover policy.

NAB Landlord Insurance Review

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NAB offers well rounded coverage that can be upgraded with optional add-ons.
NAB home insurance is partnered with Allianz, which may be important for those who prefer cover from a well-known insurer.
You can save up to 10% on your first year's premium when you buy a new landlord insurance policy online.

We don't currently have this brand on our panel. But don't fret! You can head to the NAB website or compare a bunch of other landlord insurance companies with Finder.

Compare landlord insurance fast

What does NAB landlord insurance cover?

NAB offers the following landlord insurance policies: building, contents, and combined building and contents.

Here are some of the main insured events you'll be covered for with one of NAB's policies.

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Fires

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Theft

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Escape of liquid

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Storms

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Malicious damage

An overview of NAB landlord insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

A NAB landlord insurance building and content and building only comes with the following features included as standard:

Debris removal
Rebuilding and professional fees
Environmental upgrades
Building code compliance costs
Loss of rent

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Optional add-ons

If you want extra protection, you can pay extra to get the following added on to your NAB landlord insurance policy:

Rent default and theft by tenant
Flood cover
Landlord workers' compensation

Exclusions

NAB will not pay your claim for any of the following reasons:

Actions of the sea
Coal seam gas
Deliberate, intentional, malicious or criminal acts
Lawful seizure

Wear and tear
Inherent defects
Illegal contents
Soil movement

Make sure to read NAB's PDS for a more detailed breakdown of exclusions.

Our verdict

NAB landlord insurance comes with a 30% no claim bonus if you make no landlord insurance claims in 3 years — not many other insurers we looked at offer this.
It's good if you have a furnished flat — you can get 10% off when you combine building and contents cover.

Its 10% online discount isn't the largest offer available — competitors such as Budget Direct, Australian Seniors and Domain all offer more.

_{Review by our insurance and innovations editor Gary Ross Hunter}

Bottom line about NAB landlord insurance

NAB landlord insurance values loyal customers with its 30% no claim bonus and it's one of the few insurers to give you money off if you take out combined cover. However, it's possible to get bigger discounts elsewhere.

To see how NAB stacks up against other policies, you can compare landlord insurers side by side here.

Frequently asked questions about NAB landlord insurance

Before you claim, it's important that you contact the police if a theft or attempted theft has taken place. Then you can contact the Allianz claims centre (the underwriter) or make a claim online. It should only take you around 10 minutes and you'll be given a confirmation number straight away for your reference. The claims lodgement service is available 24/7. You'll need your policy number or address and details of what happened including photos, quotes and receipts
All insurers generally require you to pay an excess when you make a claim. This is a specified amount that you'll need to pay upfront towards the costs of a claim.
With NAB, you'll pay a basic excess as outlined by NAB and a voluntary excess which you can choose to help lower the cost of your premiums.
In some cases, NAB may impose an additional compulsory excess depending on your claims history and risk. This will be outlined on your policy schedule or PDS.
There is also generally an earthquake and tsunami excess. This is an additional excess of $250 you'll need to pay for any claims related to an earthquake or tsunami, during any period of 48 consecutive hours.

A NAB landlord insurance policy is suitable for someone that owns a residential building that they rent out to a tenant. It's suitable for those who want to protect themselves against:

loss or damage to their building caused by certain unexpected insured events, like a fire or theft.
loss of rent as a result of their building being uninhabitable or inaccessible because of an insured event.
legal liability resulting from their ownership of the building.

A note on NAB landlord insurance reviews

If you've held or currently hold a NAB landlord insurance policy, we'd love to hear from you. Your reviews help other Australians decide if NAB is right for them. Some reviews are from a survey commissioned by Finder.

Compare other products from NAB

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

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 607 Finder guides across topics including:

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

More resources on Finder

RAC landlord insurance RAA Landlord Insurance review

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