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Explore Personal and Business Insurance

Start by identifying what you want to protect and which losses you could afford to meet yourself. Common insurance categories include:

• Life insurance, income protection and trauma cover: different forms of financial protection for death, inability to work due to illness or injury, or specified serious medical conditions.
• Home & contents insurance: cover for buildings and belongings against insured events.
• Car, boat, caravan, truck and commercial vehicle insurance: options for damage, theft and liability, depending on the policy.
• Farm, business or commercial insurance, retail shop cover, office insurance and tradies cover: policies or packages addressing selected property, equipment, liability and business interruption risks.
• Public liability and professional indemnity insurance: distinct covers for certain third-party injury or property damage claims, and claims arising from professional services.
• Travel insurance: cover that may include overseas medical expenses, cancellation and baggage, subject to the policy's conditions and exclusions.

What to Compare in Insurance Quotes

Price is only one part of comparing insurance. Check quotes against the same cover amounts, excesses and optional benefits so that differences in premiums are meaningful.

• Cover and limits: check insured events, sums insured, benefit limits and any lower limits for particular items or claims.
• Excesses and costs: review what you would pay towards a claim, the total premium, any broker fees and whether paying by instalments changes the total cost.
• Exclusions and conditions: check restrictions relevant to your circumstances, such as property use, business activities, pre-existing medical conditions or travel activities.
• Waiting and benefit periods: for products such as income protection, check when payments could start and how long they could continue.
• Claims requirements: understand when to notify the insurer and what evidence may be needed. Keep policy documents, receipts and relevant records accessible.

Insurance Quote Options

We connect people seeking personal or business insurance with insurance brokers who can help them explore cover options.

The broker can discuss quotes and compare available options. Ask which insurers they can approach for your chosen insurance type and what information they need to prepare a quote.

Select your insurance type to request a broker quote.

Insurance Broker Support

An insurance broker may be able to help you review your cover needs, premium rates, and available policy options over time.

If you need to make a claim, your broker may be able to assist as a point of contact during the claims process. Claim acceptance and payment depend on the insurer's assessment under the policy terms.

Your broker can discuss available insurance options and policy information with you, giving you the opportunity to ask questions and seek clarification about matters such as policy terms, conditions, limits, and exclusions. Always read the Product Disclosure Statement (PDS) carefully before choosing a policy.

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Please note that some of our calculators may use assumptions that are not necessarily applicable to your current specific circumstances and we therefore cannot always guarantee their accuracy. You should always seek professional financial advice from a licensed professional before proceeding with any financial recommendations.

Term Life Insurance [click]
Calculate the amount of life insurance protection you need to meet your objectives.

Income Protection Calculator [click]
Our income insurance calculator estimates the monthly income insurance benefit that you can buy.

Contents Insurance Calculator [click]
Use our home and contents insurance calculator for a room by room evaluation of your household contents and personal effects.