Business Details
47 Years
experience
Your Trusted Territory Insurance Partner
Territory Insurance Office (TIO) has been a trusted provider of insurance solutions in the Northern Territory since 1979. Headquartered in Darwin, our deep understanding of local conditions and commitment to Territorians underpins our comprehensive range of personal and business insurance products. As a division of Allianz Australia Insurance Limited, we combine global expertise with local knowledge to deliver tailored coverage for cyclones, floods, and other regional risks.Our team of Territory-based claims specialists and contact centre staff ensure responsive support when customers need it most. With a focus on innovation and community engagement, we offer competitive pricing, flexible excess options, and unique benefits like new-for-old replacements and environmental upgrades after major claims.
Services
Car Insurance
Home Insurance
Boat Insurance
Business Insurance
Workers Compensation
Caravan Trailer Insurance
Travel Insurance
Details
- Year established: 1979
Highlights and features
- We've specialized in Northern Territory insurance needs since 1979
- Local claims teams understand Territory-specific risks like cyclones
- New-for-old replacement for vehicles and caravans under 2 years old
- Comprehensive weather event coverage including flood protection
- Part of Allianz Australia's trusted insurance network
Services
Car Insurance
Comprehensive and third-party car insurance tailored for Northern Territory conditions. Covers cyclones, floods, and storm damage with new-for-old replacements for vehicles under two years. Includes legal liability protection and optional extras like rental car coverage after theft. Claims handled by local Territory specialists familiar with regional challenges.
Home Insurance
Buildings and contents insurance designed for Darwin's climate. Covers cyclone damage, flood protection (with 72-hour exclusion), and accidental damage options. Offers up to 30% no-claim bonus and environmental upgrade assistance after major claims. Specialized landlord insurance includes rent default coverage and investment property protection.
Boat Insurance
Comprehensive boat insurance through Club Marine partnership. Covers watercraft up to 250 nautical miles offshore with options for fishing gear, diving equipment, and agreed value policies. Includes 24-hour assistance and benefits like emergency towing and temporary accommodation for stranded boaters in remote areas.
Business Insurance
Tailored business insurance including workers' compensation and commercial property coverage. Specializes in Territory-specific risks with options for flood protection, business interruption, and liability coverage. Supports local businesses with claims handled by Darwin-based specialists familiar with regional operational challenges.
Workers Compensation
Comprehensive workers' compensation insurance meeting Northern Territory regulatory requirements. Provides coverage for workplace injuries and occupational diseases with claims management support. Includes risk management resources tailored for Territory industries like construction and remote operations.
Questions
What unique benefits does TIO offer for Territory residents?
We provide new-for-old replacements for vehicles and caravans under two years, cyclone coverage with local claims teams, and environmental upgrade assistance after major claims. Our Darwin-based staff understand regional risks better than national insurers.
How does TIO handle claims during the wet season?
Our Territory-based claims teams offer 24/7 emergency support during cyclone season. We provide free SMS weather alerts and have streamlined claims processes for flood and storm damage with local repairer networks across the Northern Territory.
Can I get insurance for a newly purchased investment property?
Yes, we offer specialized landlord insurance covering buildings, contents, and rent default. For unoccupied properties, contact our Darwin office to discuss coverage options before finalizing your policy.
What discounts are available through TIO?
We offer up to 30% no-claim bonuses, combined building/contents discounts, and flexible excess options. Local Territorians also benefit from our community initiatives and partnerships with Territory organizations.
How does TIO support local businesses?
We provide workers' compensation and commercial insurance tailored for Territory industries, with claims handled by local specialists. Our business insurance includes cyclone coverage and support for companies managing remote operations across the Northern Territory.
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