Notice of Change to the “Bankwest Platinum Debit MasterCard® insurance”

02 June 2015

Important information about Bankwest Platinum Debit MasterCard Insurance

Bankwest is making changes to your complimentary Platinum Debit MasterCard insurances including a change to the Insurance provider. The changes to your complimentary insurance terms and conditions will be effective for purchases made on and after 1 July 2015. A summary of the changes to your insurance cover is set out below.

For general insurance enquiries or details of where to submit any claims, please refer to details below:

For any general insurance enquiries or to claim for an event that occurred prior to 1st July contact Zurich on 1800 672 010.

For any general enquiries or to claim for an event that occurs/occurred from 1st July contact Allianz global assistance on 1800 785 918.

All of your limits and benefits remain unchanged. A summary of the changes to your insurance cover is set out below.

For more details about what is changing please refer to the Frequently Asked Questions. You should read the full terms and conditions of insurance cover as set out in the Bankwest Platinum Debit MasterCard Terms and Conditions for purchases made on and after 1 July 2015. If you still have any questions regarding these changes then please contact Bankwest on 13 17 19.

Please find below a link to the current booklet until 1st July, if required.

Summary of changes to Bankwest Platinum Debit MasterCard Insurance Terms and Conditions

Throughout the document Zurich is amended to either Allianz or Allianz Global Assistance.

Enquiries and Contact Reference Numbers has been replaced as follows:

‘Additional copies of this booklet can be obtained by phoning Bankwest on 13 17 19.
For claims and/or general enquiries call the insurance provider,Allianz Global Assistanceon 1800 785 918, 8am - 5pm (Brisbane time), Monday to Friday and please make sureyouhave this booklet on hand whenyouphone. Claim forms and information on how to claim can also be found at . However, ifyourequire personal advice, please seeyourgeneral insurance adviser.’

Clause 2. Zurich – The issuer of this insurance is replaced with heading 2. Allianz Global Assistance – the issuer of this insurance and 1st paragraph has been replaced as follows:

‘ Youshould be aware that the issuer of these insurances is AGA Assistance Australia Pty Ltd, ABN 52 097 227 177, AFS Licencee No. 245631 of 74 High Street, Toowong, QLD 4066 ( Allianz Global Assistance ), under a binder from the Insurer (Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708, of 2 Market Street, Sydney, NSW 2000) ( Insurer ). In this booklet,Allianz Global Assistanceis referred to as ‘ Allianz Global Assistance ’ and, where it is acting under the binder, ‘we’, ‘us’ or ‘our’.’

Clause 5 Definitions and interpretation is amended as follows:

' Act of terrorism ' definition is removed.

New definitions are inserted as follows:

Allianz/the Insurer means Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licencee No. 234708.’

Allianz Global Assistance means AGA Assistance Australia Pty Ltd ABN 52 097 227 177, AFS Licencee No. 245631.’

Clause 6.1 How can this policy be terminated or changed is amended as follows:

Bankwest may terminate or change any one or all of the insurances at any time. Bankwest will giveyouwritten notice of the change or termination on its website

The existing insurance will apply to purchases made before the date of the change or termination.

Clause 7.1 Covered belongings, 1st bullet point, 2nd point is amended as follows:

‘in a motor vehicle unless stored in the boot during daylight hours (local time) and forced entry is gained;’

Clause 10.1 Contacting Us, 1st paragraph is amended as follows:

‘Ifyouwant to make a claim under either of these Insurances,youcan obtain claim forms and information from or by callingAllianz Global Assistanceon 1800 785 918.’

Clause 11, Complaints is amended as follows:

‘In this section ‘we’, ‘our’ and ‘us’ meansAllianzandAllianz Global Assistance .

Ifyouhave a complaint or dispute in relation to this insurance, or our services or our representatives, please call us, or put the complaint in writing and send it to: The Dispute Resolution Department, PO Box 162, Toowong, Queensland 4066. We will attempt to resolve the matter in accordance with our Internal Dispute Resolution process. To obtain a copy of our procedures, please contact us. A dispute can be referred to the Financial Ombudsman Service Limited (FOS), subject to its terms of reference. The FOS provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms.

The contact

details for the FOS are:

Financial Ombudsman Service Limited PO Box 3, Melbourne Victoria 3001 Phone: 1300 780 808 Fax: (03) 9613 6399



Clause 12.1 Privacy is amended to read as follows:

'To arrange and manage the insurance covers provided, we (in this Privacy Notice “we”, “our” and “us” includes AGA Assistance Australia Pty Ltd trading asAllianz Global Assistanceand its duly authorised representatives) collect personal information including sensitive information fromyouand those authorised byyousuch asyourfamily members, travelling companions,yourdoctors, hospitals, as well as from others we consider necessary, including our agents.

Any personal information provided to us is used by us to evaluate and arrangeyourinsurance. We also use it to administer and provide the insurance services and manageyourand our rights and obligations in relation to those insurance services, including managing, processing and investigating claims. We may also collect, use and disclose it for product development, marketing, conducting customer research and analytics in relation to all of our products and services, IT systems maintenance and development, recovery against third parties and for other purposes withyourconsent or where authorised by law.

This personal information may be disclosed to third parties involved in the above process, such as travel agents and consultants, travel insurance providers and intermediaries, authorised representatives, reinsurers, claims handlers and investigators, cost containment providers, medical and health service providers,overseasdata storage and data handling providers, legal and other professional advisers,youragents and our related and group companies includingAllianz . Some of these third parties may be located in other countries such as Thailand, France and India.Youagree that while those parties will often be subject to confidentiality or privacy obligations, they may not always follow the particular requirements ofAustralianprivacy laws.

Unlessyouopt out, we may contactyouon an ongoing basis by telephone, mail, electronic messages (including email), online and via other means with promotional material and offers of products or services that we consider may be relevant and of interest toyou(including financial and insurance products and roadside assistance services). Ifyoudo not want to receive such offers from us (including product or service offerings from us on behalf of our agents, intermediaries and/or our business partners) or do not want us to discloseyourpersonal information to our related and group companies and business partners for marketing purposes,youcan opt out at any time by calling us on 1800 023 767.

Whenyouprovide personal information about other individuals, we and our agents rely onyouto have made or make them aware:

  • thatyouwill or may provide their personal information to us;
  • of the types of third parties to whom the personal information may be provided to;
  • of the relevant purposes we and the third parties we will disclose it to, will use it for;
  • of how they can access it; and
  • of the other matters in this Privacy Notice.

We rely onyouto have obtained their consent on these matters. Ifyoudo not,youmust tell us beforeyouprovide the relevant information.

Youcan seek access to and correctyourpersonal information by contacting us.Youmay not access or correct personal information of others unlessyouhave been authorised by their express consent or otherwise under law, or unless they areyourdependants under 16 years of age.

Ifyouhave a complaint aboutyourprivacy, please contact:

Privacy Officer,Allianz Global Assistance , PO Box 162, Toowong, QLD 4066

oryoucan contact the Privacy Commissioner at the Office of The Australian Information Commissioner, GPO Box 2999,Canberra, ACT 2601.

For more information about our handling of personal information, including further details about access, correction and complaints, please see our privacy policy available on request or via

Ifyoudo not agree to the above or will not provide us with personal information, we may not be able to provideyouwith our services or products.

In cases where we do not agree to giveyouaccess to some personal information, we will giveyoureasons why.’

Clause 12.2 General Insurance Code of Practice is amended to read as follows:

‘ AllianzandAllianz Global Assistanceproudly support the General Insurance Code of Practice.

The Code sets out the minimum standards of practice in the general insurance industry. For more information on the Code please callAllianz Global Assistance .’

Clause 13 – Financial claims scheme is added as follows:

‘In the unlikely eventAllianzwere to become insolvent and could not meet its obligations under insurance covers described in this booklet, a person entitled to claim may be entitled to payment under the Financial Claims Scheme.

Access to the Scheme is subject to eligibility criteria - for more information see the APRA website at or call the APRA hotline on 1300 558 849.’

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