Choose a type of cover
Load line · general insurance
Cover is a line, and you should be able to see where yours sits.
Every policy here is drawn the same way: what it carries, where it stops, and how much freeboard you have left. Home, motor, landlord, travel and business, in all eight states and territories.
Buildings, contents, or both. Sum insured or total replacement, with flood cover included as standard rather than sold back to you as an extra.
About home and contents coverEvery figure on this site is illustrative: this is a demonstration, not an insurer. Consider the PDS and TMD before deciding on any real policy.
One hull, every cover.
Seven products, one account, one claims line. Hover a product to read what it does, or follow it through to the full policy wording.
Our products
- Home and Contents
Buildings and contents, storm, fire, flood and theft, with make safe called out within 24 hours.
- Motor
Comprehensive, third party property damage, and fire and theft, with a lifetime repair guarantee.
- Landlord
Building, landlord contents, loss of rent, tenant damage, and legal expenses for tribunal matters.
- Travel
Overseas medical, cancellation, luggage and delays, for single trips or an annual multi trip policy.
- Business
Public liability, property and stock, business interruption, glass, and tools of trade in one pack.
- Boat
Hull, motor and trailer, plus liability on the water, for runabouts to trailer sailers.
- Public liability
Standalone $20 million public liability for sole traders, market stallholders and trades.
One insurer, every cover
Seven products on one account, one claims line, and a multi-policy discount applied automatically at renewal.
See every cover
The four things that actually cause claims here.
Australian risk
We price the weather, not the postcode alone.
Bushfire
From November through March most of southern Australia sits inside a declared fire danger period. Home and landlord policies cover bushfire, the smoke damage that follows it, and the cost of demolition and debris removal before a rebuild can start.
Victoria, New South Wales, South Australia, Tasmania
Flood
Flood is included as standard on every home, contents and landlord policy, using the standard definition set out in the Insurance Contracts Regulations. It is not an optional extra, and it is not something you have to ask for.
South East Queensland, Northern Rivers, Hawkesbury-Nepean
Storm and hail
Storm and hail causes more home claims in Australia than anything else. Make safe is arranged within 24 hours of you lodging, and you never need to obtain quotes before emergency work happens.
Sydney, Brisbane, Melbourne, Perth
Cyclone
North of the Tropic of Capricorn we rate cyclone and storm tide separately and show both on the quote, rather than folding them into a single figure you cannot check.
North Queensland, the Top End, the Pilbara and Kimberley
Pick a cover and read what it costs.
Every price below is a monthly figure including GST and stamp duty. Every excess is the one you would actually pay. Nothing is a teaser rate.
The freeboard gauge
Freeboard gauge
Move the two numbers and watch the freeboard go.
Nothing here is a quote. It is the arithmetic every home policy runs at claim time, drawn as the thing it is.
The figure on your certificate of insurance.
What it would cost to rebuild from a slab, including demolition, debris removal and current building code. Not the market value, and not what you paid.
AwashLoading…
- Cover
- Excess
- You
Someone answers at 2am, in the wet, on a public holiday.
The claims line is staffed 24 hours a day, every day of the year, in Australia. When the Insurance Council declares a catastrophe in your postcode we call you rather than waiting for you to call us.
- 24 hrsto make safe after you lodge, and under 8 hours in most metropolitan postcodes.
- No quotesneeded before emergency work. We appoint the assessor and the repairer.
- Lifetimeguarantee on every repair we authorise, for as long as you own the thing.
Soundings
Eight worked examples, one per state and territory.
Eight soundings, one per state and territory.
Not customers and not outcomes. Eight worked examples of the shape a claim takes here, and the clause that answers it.
1 of 8
NSW · Eastern-suburbs semi
Hail through a skylight
Hail is the single largest cause of home claims in this country. The building damage, the water that follows it through the opening, and the contents underneath are all one claim with one excess, not three.
- Product
- Home and Contents
- Clause
- Storm, rainwater and hail
- How it runs
- Make safe within 24 hours, then a scope of works
Illustration only. Not a customer, not a settlement.
VIC · Inner-north terrace
Tenant damage and rent arrears
A standard home and contents policy declines both halves of this. The reason a landlord policy exists is that deliberate damage by a tenant and rent lost when they abscond are the two things a home wording will not answer.
- Product
- Landlord
- Clause
- Malicious damage plus loss of rent on default
- How it runs
- One claim, two sections, one excess
Illustration only. Not a customer, not a settlement.
QLD · Suburban high street
Floodwater through a shopfront
Business interruption carries a time excess rather than a dollar one, and it is settled slowly because it needs trading figures. Stock and fit-out do not, so those are paid first and the rest follows.
- Product
- Business
- Clause
- Property, stock, and business interruption
- How it runs
- Interim payment on stock while interruption is assessed
Illustration only. Not a customer, not a settlement.
WA · Port suburb
Written off at eighteen months
Market value and new car replacement are different promises. Inside the replacement window the wording pays for the same car again; outside it, it pays what the car was worth the moment before the accident.
- Product
- Motor
- Clause
- New car replacement inside three years
- How it runs
- Replacement, not market value
Illustration only. Not a customer, not a settlement.
SA · Beachside bungalow
Burst pipe under a slab
The pipe itself is usually excluded as wear. The damage the water does, and the cost of breaking in to find it, are not. That distinction is the whole clause.
- Product
- Home and Contents
- Clause
- Escape of liquid, including locating the leak
- How it runs
- Leak detection paid as part of the claim
Illustration only. Not a customer, not a settlement.
TAS · Hillside weatherboard
Gum tree across the roof
Getting the tree off the roof is covered. Getting the rest of it out of the yard is not, unless it is blocking access. Wordings differ on this more than any other clause.
- Product
- Home and Contents
- Clause
- Impact by falling trees and branches
- How it runs
- Removal of the tree only where it caused the damage
Illustration only. Not a customer, not a settlement.
ACT · Inner north
Hospital admission overseas
Australia has reciprocal health care agreements with eleven countries. They cover immediately necessary treatment. They do not cover getting you home, and getting you home is the expensive part.
- Product
- Travel
- Clause
- Unlimited overseas medical and evacuation
- How it runs
- Direct billing to the hospital, not a reimbursement
Illustration only. Not a customer, not a settlement.
NT · Coastal suburb
Cyclone damage to roof and ceiling
When the Insurance Council declares a catastrophe, quotes stop being required before make safe and cancellations for non-payment are held for twelve months.
- Product
- Home and Contents
- Clause
- Storm and cyclone, rated separately north of Capricorn
- How it runs
- Catastrophe response: we call you, you do not chase us
Illustration only. Not a customer, not a settlement.
Two minutes, and you will know where the line sits.
No phone call, no broker appointment, no obligation. Answer eight questions and we will show you the premium, the excess and the exclusions on one screen.
Consider the PDS and TMD before deciding. Premiums include GST and stamp duty.