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 ...
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, ...
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 ...
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 ...