FINANCIAL HARDSHIP

SUPPORT OPTIONS IF YOU'RE EXPERIENCING FINANCIAL HARDSHIP

HOW WE CAN SUPPORT YOU

PAYMENT OPTIONS

If you’re in financial difficulty and are finding it difficult to pay your premium, we may offer to do the following:

A policy health check to review your cover
Extend your payment due dates
Change your policy from annual to monthly payments
Fast-track payment of your refund if you cancel your insurance

CLAIMS EXCESS

If you have a new or existing claim and are unable to pay the excess or claim contribution amount, you can apply for financial hardship support. Depending on your circumstances we may offer:

instalment payments
delay or extend your payment terms
waive the excess or contribution from a claim

NATURAL DISASTERS AND URGENT FINANCIAL ASSISTANCE

If you have made a natural disaster claim and need urgent financial support, let us know us about your situation. We may:

fast track our assessment of your claim
fast-track the process we follow to make a decision about your claim, and/or
provide you with an emergency payment to provide for your immediate needs.

SUPPORT PAYING DEBT OWED TO US

If you owe us a debt and are unable to pay, you can apply for financial hardship support. Depending on your circumstances we may:

put the debt recovery on hold
waive your debt (where agreed)
agree with you to pay a reduced lump sum amount

These measures are also available if one of our debt collectors is already working with you. Ask for information about our financial hardship process.

HOW TO APPLY FOR SUPPORT

If you’re going through financial hardship, please call us on 1300 00 CLUB (2582) to talk about your situation, including:

Payment options for your premiums
Claims excess and natural disasters
Repaying debt owed to us

ACCESS TO COMMUNITY SUPPORT SERVICES

The National Debt Helpline is a not-for-profit service helping customers get back on track with their finances. They can connect you with professional financial counsellors who offer a free, independent and confidential service.

FOLLOW US ON

*Terms and conditions apply

Any discounts offered are applied to our standard rates. Promotional or other discounts may apply from time to time. Minimum premiums may apply. Any discounts/entitlements 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.

Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision about this insurance, consider the Product Disclosure Statement (PDS)/Policy Document and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Document, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.

Club Marine Limited (ABN 12 007 588 347), AFSL 236916 (Club Marine) issues this insurance and handles and settles claims as agent for the insurer Allianz Australia Insurance Limited (ABN 15 000 122 850) AFSL 234708 (Allianz). Club Marine is a related body corporate of Allianz. Copyright © 2025 Allianz Australia Limited.