Is Your e-Bike Covered?
If you own an e-Bike it’s important to check if your current Home & Contents insurance policy covers both the damage to the bike itself and any liability claim that may arise from your use of the bike. Our research has determined that most policies vary in the level of cover provided for ...
What Happens When You Cancel Your Professional Indemnity Policy?
Professional Indemnity insurance provides financial protection in the event of legal action or claims made against you (or your business) for professional negligence or errors made in the course of your work. There may come a time when you decide to cancel your Professional Indemnity insurance ...
Obtaining Insurance in Flood or Bushfire Zones
If you are planning to purchase a residential property, you should check the insurance ramifications prior to committing as you may get a nasty shock if the property is uninsurable, or the premiums are extremely expensive. Factors such as flood and bushfire risk have a significant impact on ...
What’s the difference between Landlord Insurance and Home Insurance?
Home Insurance helps cover the costs of repairing or rebuilding your home if it is damaged in an insured event. Landlord Insurance is similar, but also includes policy options and benefits for investment property owners to minimise the financial risks associated with renting out their property. ...
Is my whole vehicle insured?
If you have taken out a motor policy, you need to be aware if the policy covers any accessories or modifications automatically or they need to be specifically listed on the policy. Most policies require all non-standard accessories, attachments and modifications to be listed individually with ...
Hire Car Cover – do you need it?
If your vehicle is damaged as a result of an accident or theft, have you considered how you will get around while you await repairs? Did you know the average wait time for repairs is approximately 3 months locally? Some insurers offer additional benefits such as hire car following a not-at ...
Do you have Proof of Ownership?
If you need to make a claim for lost personal items (Home Contents) or for Tools and Equipment (General Property) most insurers will require that you provide Proof of Ownership for the items that you are claiming for. This can be done several ways, as follows: Purchase receipts This is the ...
Found a cheap Home & Contents policy online?
It’s understandable to look for a cheaper insurance policy via an online insurer, but some policies are cheaper because the coverage offered is a lot less comprehensive than other policies. If you have received a quote from an online insurer that you are planning to take out, just make sure you ...
Are your Sums Insured Accurate?
Do you have enough cover? Underinsurance is unfortunately common in Australia, making it difficult for those Australians who are underinsured to resume their standard of living – whether it’s rebuilding their home or replacing belongings to the same standard – if their property is badly damaged ...
If you are injured can your business survive?
As a tradie, you know that you cannot operate without your equipment and tools, so it makes sense to cover these items with an insurance policy. However, what about protecting the most important thing in your business, you. How long would your business last if you are injured in an accident or ...