Home & Contents Insurance

Home and Contents insurance Home and Contents insurance

Whatever your style of home, you'll want to make sure it's protected. That's where QRI Lifestyle can help, with this and more:

Why choose QRI Lifestyle home insurance?

Our home insurance includes a range of features and benefits designed to give you peace of mind. Whether you are looking for cover for specific events, or for more comprehensive accidental loss or damage cover, we can assist.

Our home insurance offers:

  • Save up to 10% on your home insurance policy when you buy online.1,2
  • Receive a No Claim Bonus of up to 30% on your premium 1,4
  • 24/7 claims lodgement service
  • Pay by the month at no extra cost3
  • New for old contents replacement, regardless of age
  • Combine your buildings and contents covers on the one policy to receive a further discount of up to 10%
  • Protection for loss or theft of credit cards
  • Accidental glass breakage cover

Choice of home insurance products


Vital Home Insurance

Protection in the event that your home is broken into or damaged by insured events such as storm, fire or earthquake.


Classic Home Insurance

This cover includes everything from our Vital Home Insurance product plus some higher policy limits and some additional features and benefits such as cover for fusion (motor burnout) of household electric motors.


Prestige Home Insurance

This is our premium product which provides cover for any accidental loss or damage to your buildings and/or contents (unless we state otherwise in the policy). It also includes some additional benefits such as legal defence costs and cover for contents in transit.


This is a summary only. For full details of the terms, conditions, limits and exclusions, please refer to the Policy Document (Product Disclosure Statement) (‘PDS’) and Key Fact Sheets for Vital Home Insurance, Classic Home Insurance and Prestige Home Insurance.

How to claim

To make a home insurance claim
Online, any time

The most convenient way is via the online claim form. You can submit your car insurance claim notification 24 hours a day, 7 days a week, whenever it suits you.
All you need to do is complete the online claim form. Once it is lodged, a friendly claims consultants will contact you as soon as possible.

  • ✔ Secure form
  • ✔ No phone queues
  • ✔ Immediate confirmation number for your reference

Over the phone - 24 hours a day, 7 days a week claims hotline

You can call 1800 788 788 and a friendly consultant will help you with the claims process.


Queensland Railways Institute Inc ABN 40 342 992 636, AR 261 280 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708.
We do not provide advice on this insurance based on any consideration of your objectives, financial position or need. Policy terms, conditions, limits, exclusion and underwriting criteria apply. Before making a decision please consider the relevant Product Disclosure Statement available from Allianz. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.

1 Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and 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. Discounts may not be applied to the premium for optional covers, including flood (where relevant).

2 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). Other discounts may apply to insurance purchased via other methods.

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

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