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 ...

Read more

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 ...

Read more

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 ...

Read more

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 ...

Read more

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 ...

Read more

You have motor insurance – Great!

But what do you do in the event of an accident? Make sure everyone is safe and call emergency services if required. Exchange details with the other party Name Address Phone number Registration number Insurance details (if you have them)   Useful information you should also record: Date, ...

Read more

Are you underinsured?

Simply put, underinsurance is when your sums insured are inadequate and will not cover the replacement value of the items you are insuring. Remember, when you insure, you are insuring for the replacement value, NOT market value. This is important when considering your sums insured, especially ...

Read more

Personal Accident Insurance

If your income and livelihood rely on your physical wellbeing, then you should strongly consider taking out a Personal Accident and Sickness policy. If you experience an accident or illness that prevents you from earning an income, Personal Accident and Illness cover can provide you with a ...

Read more

Rising cost of Insurance

Most people have probably noticed that their domestic (Home, Motor etc.) policies have increased more than normal over the last few months. We are consistently seeing increases of between 10 – 50% on Home & Motor policies. A couple of reasons for this: Natural disasters – recent floods and ...

Read more

What is Flood?

The risk of a flood occurring is reflected in the cost of the premium – property owners with a high risk of flood will pay a higher premium than other property owners. Flood definition Australian regulations include a standard definition of flood, which was introduced in June 2012. It applies ...

Read more