Car, life, and home insurance guidance for Australian households.
Australian homeowners confront soaring premiums and insurer withdrawals as climate-driven disasters reshape the home insurance market, leaving thousands in high-risk areas struggling to secure affordable cover.
Rising premiums are pushing Australian households to drop home insurance, creating an underinsurance crisis. The ACCC has proposed solutions to improve affordability and competition.
Hail damage can cost thousands in repairs. Learn which insurance policies cover hail damage to your home and car in Australia, what's excluded, and how to claim.
Home insurance premiums in North Queensland have jumped by an average of $700 annually, driven by cyclone risk and rising reinsurance costs.
The Australian Government's Cyclone Reinsurance Pool aims to reduce insurance costs in cyclone-prone regions. Learn how this scheme works and whether it lowers premiums in high-risk areas.
When my home insurance renewal hit $7000, I took seven practical steps to bring it down. Here's exactly what worked and what didn't.
TAL data confirms mental health conditions now drive the majority of life insurance claims in Australia, reshaping how insurers assess risk and price cover.
Compare income protection insurance options in Australia to find the right policy for your needs, covering waiting periods, benefit periods, and whether to hold cover inside or outside super.
Compare term life, whole of life, and trauma cover to find the right protection for your Australian family's needs and budget.
Compare what trauma insurance policies in Australia cover, from cancer and heart attack to stroke and organ failure, and learn when standalone or super-based cover suits your needs.
Many Australians have total and permanent disability (TPD) cover through their superannuation without realising it. Here's what you need to know about your default insurance and whether it actually protects you.
Comparing the value of life insurance held within your superannuation fund versus a standalone policy, covering costs, tax treatment, and access to benefits.
Australian car insurance policies typically require you to notify your insurer as soon as reasonably possible after an incident, with most insurers setting practical deadlines of 30 to 90 days for filing a formal claim.
When a car recall or manufacturing defect causes damage, your insurance cover and the manufacturer's warranty operate in separate lanes. Understanding which claim path to follow can save you significant out-of-pocket costs.
Check your roadside assistance coverage and understand your excess before hitting the road this summer.
A step-by-step checklist to reduce your car insurance costs in Australia, from increasing your excess to building your no-claim discount.
Compulsory Third Party insurance is mandatory for every registered vehicle in Australia. Here's what you need to know about CTP cover, costs, and state differences.
Spring road trips mean more kilometres and different driving patterns. Check your Australian car insurance policy now to ensure your coverage matches your seasonal plans.
Flood insurance can protect your home and belongings from costly water damage, but whether it's worth the premium depends on your property's flood risk, your assets, and your financial capacity to absorb a loss.
Australia's flood insurance crisis is leaving thousands of homeowners without affordable cover or facing withdrawal of policies altogether, as insurers retreat from high-risk areas.
The Australian Reinsurance Pool Corporation's quarterly data reveals $950 million in cyclone claims paid through the reinsurance pool as of 31 July 2026, supporting insurers and maintaining cover availability across northern Australia.
Flood-risk ratings drive home insurance premiums, but their accuracy varies across models, data sources and update cycles, leaving some homeowners paying more than their real exposure warrants.
New artificial intelligence technology that accurately measures floor heights above flood levels could reduce flood insurance premiums by up to 50% for thousands of Australian homes previously classified as high-risk.
Many Australian homeowners underestimate their exposure to flood and cyclone damage. Identifying coverage gaps before disaster strikes can save you from devastating out-of-pocket costs.
Australian data suggests claims from customers who used licensed advisers may see different approval patterns compared to those who purchased cover directly. Here's what drives the gap and what it means for your policy.
The Reserve Bank's monetary policy decisions under Governor Michele Bullock directly affect Australian insurance premiums, insurer stability, and your coverage costs. Here's what you need to know.
Academic-insurance partnerships combine research expertise with industry resources to strengthen community preparedness and reduce cyclone losses across Australia's vulnerable regions.
Major life changes can leave you underinsured or overpaying. Here are the key moments when you should review your Australian cover.
Compare essential business insurance types for Australian small businesses, from public liability to cyber cover, with recommendations by business profile.
Learn the key differences between professional indemnity and public liability cover, and which protection your sole trader business needs.
Understand the key differences between hospital and extras cover in Australian private health insurance, what each policy type covers, and how to choose the right option for your needs.
Learn how to review your private health insurance extras cover, maximize unused benefits, and compare policies before your benefit year resets.
Understand the difference between hospital and extras cover in Australia's private health insurance system and choose the right option for your needs.
Private health insurance in Australia is split into hospital cover for in-patient treatment and extras cover for services like dental and optical. Understanding the difference helps you choose the right policy for your needs.
Learn how your income, age, and policy tier determine your private health insurance rebate percentage in Australia, and calculate your entitlement instantly.
Gap cover helps reduce the difference between what Medicare and your health fund pay and what doctors actually charge, cutting your out-of-pocket hospital expenses.
Insurance Australia Group (IAG) has posted a 138% profit increase despite significant cyclone and flood claims, raising questions about premium pricing and insurer profitability in Australia's natural disaster landscape.
Compare three approaches to lodging a home insurance claim in Australia, from handling it yourself to hiring a professional assessor.
Learn how to lodge a complaint with AFCA when your insurer denies or underpays your claim, including eligibility, timelines, and what to expect.
Making an insurance claim in Australia almost always increases your premium at renewal, but the impact varies by cover type, claim size, and insurer policy.
Ex-Tropical Cyclone Alfred generated a major insurance bill across Queensland and New South Wales. Here is what affected policyholders should check now.
Find out what really matters when comparing travel insurance policies in Australia and why the lowest premium might cost you more in the long run.
Spring and summer are peak travel seasons for Australians heading overseas. Here's what you need to know about travel insurance to protect your holiday investment and your health.
Understand what Australian travel insurance actually covers, how excess works, and when paying a higher excess can save you money on your next trip.
Learn how trip duration, destination, age, and cover level affect travel insurance premiums in Australia, and use our calculator to estimate costs for your next journey.
Price alone does not reveal which travel insurance policy truly protects you overseas. Learn the coverage limits, exclusions, and claim conditions that separate comprehensive protection from false economy.
Understand what renters contents insurance covers in Australia, how it works, and why tenants should consider protecting their belongings.
Learn how to declare high-value possessions, understand coverage limits, and ensure your jewellery, art, and electronics are properly valued and protected on your Australian contents policy.
Contents insurance protects your belongings in a rental property. Learn what it covers, why landlord policies don't protect you, and how to choose the right level of cover.
Standard contents insurance often caps cover for valuables. Learn how to protect expensive jewellery, art, and collectibles with specified items cover and professional valuations.
Essential steps to review and prepare your landlord insurance before the busy spring rental season in Australia.
Spring property season brings new investment opportunities. Landlord insurance protects your rental property and income when standard home insurance does not cover tenanted properties.
Learn how to calculate the right landlord insurance cover for your Australian investment property, from building replacement value to liability limits.
Pet insurance can protect you from unexpected veterinary bills, but it is not the right choice for every pet owner. Here is when the monthly premium makes financial sense in Australia.
Compare when pet insurance delivers value against the cost of premiums, and when self-insuring makes more financial sense for Australian pet owners.
Understand the key factors that determine pet insurance premiums for dogs and cats in Australia, from breed and age to cover type and location.
Learn to recognise the most common insurance scams targeting Australians and discover practical steps to protect your car, home, life and health cover from fraudsters.
Hiring your first employee triggers mandatory workers compensation insurance in most Australian states and territories. Compare your obligations as a sole trader versus employer, understand state-by-state thresholds, and learn what changes when you bring on that first worker.
Key person insurance protects your business when a critical owner or employee dies or becomes disabled. Learn how this cover works and whether your business needs it.
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