Choose a type of cover
Insurance built for Australian weather.
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 coverPremiums include GST and stamp duty. Consider the PDS and TMD before deciding.
94.1%
of claims accepted
Rolling 12 months to June
5.2 days
median time to assessment
Property claims, all states
$186m
paid in claims last year
Across all product lines
31,400
policies in force
Households and businesses
One insurer, 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.
Home and Contents
Buildings and contents, storm, fire, flood and theft, with make safe called out within 24 hours.Excess from $500Read the cover from $41 /moMotor
Comprehensive, third party property damage, and fire and theft, with a lifetime repair guarantee.Excess from $695Read the cover from $54 /moLandlord
Building, landlord contents, loss of rent, tenant damage, and legal expenses for tribunal matters.Excess from $500Read the cover from $29 /moTravel
Overseas medical, cancellation, luggage and delays, for single trips or an annual multi trip policy.Excess from $200Read the cover from $96 /moBusiness
Public liability, property and stock, business interruption, glass, and tools of trade in one pack.Excess from $750Read the coverSomeone 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.
Claims, settled
Eight claims, eight postcodes, eight outcomes.
Reviews by state
The hail came through the skylight on a Tuesday. Make safe was on site the next morning and the assessor rang me himself, not a call centre.
Bec KalinowskiCoogee NSW 2034
Two minutes, and you will know what it costs.
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.