Motor
Third-party vs comprehensive car insurance
Understand the broad difference between third-party liability cover and protection for damage to your own vehicle.
Read car insurance overview →
Resources & Guides
Build your insurance
Build your insurance
knowledge.
Make insurance easier to understand. Explore practical guides to common policy terms, coverage options, exclusions and renewals before you make your next insurance decision.
✓ Easy-to-understand information
✓ Practical questions to consider
✓ Informed policy discussions
Helpful information
Explore our insurance guides
Find a topic relevant to your needs. These introductory guides can help you prepare questions and understand what to review in an insurance policy.
Renewal
What to review before renewing a policy
Check expiry dates, insured details, selected cover, exclusions and applicable no-claim bonus information.
Review renewal basics →
Health
Understand waiting periods and exclusions
Learn why policy conditions, waiting periods and exclusions matter when comparing health insurance options.
Read health insurance overview →
General
Questions to ask before buying insurance
Ask about coverage limits, deductibles, exclusions, claims procedures and the conditions for policy acceptance.
Discuss your questions →
Property
What to consider when insuring your home
Explore the difference between building and contents protection and the details to review before selecting cover.
Read home insurance overview →
Business
Understanding business liability insurance
Explore public liability, professional indemnity and product liability as different categories of business risk.
Read liability overview →
Claims
Documents and details to check for a claim
Learn why policy details, relevant records and timely communication with the insurer can be important.
Ask about your requirements →
Corporate
Insurance considerations for businesses
Consider business assets, employee-related cover, liability exposures and transit requirements relevant to your operations.
Explore corporate insurance →No matching guides found
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Before you decide
A simple checklist before choosing a policy
Comparing policies is about more than looking at the premium. Take a moment to understand what is covered and which conditions apply to your situation.
Important: this is a general information checklist, not a
substitute for the insurer's policy wording or professional advice.
What should you review?
✓
What property, person, activity or risk is actually insured?
✓
What are the coverage limits, sub-limits and deductibles?
✓
Which exclusions, waiting periods and conditions apply?
✓
What documents and steps are required for a claim?
✓
When does the policy begin, expire and need renewal?
Quick answers
Insurance questions, made simpler.
Start with these general answers, then review the exact terms of the policy you are considering.
Ask your question ↗Policy wording explains the scope of cover, exclusions, limits, conditions and claim requirements. It is important to read the applicable wording rather than relying only on a short summary or advertisement.
Not necessarily. Compare the insured risks, limits, deductibles, exclusions, conditions and relevant services alongside the premium before making a decision.
Depending on the type of insurance, you may need personal or business details, insured asset information, previous policy details and relevant supporting documents. The insurer can confirm the exact requirements.
Yes. You can send an enquiry to discuss the type of insurance you are exploring. Policy acceptance, terms and final coverage remain subject to the relevant insurer.
Need more information?
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Have an insurance question?
Contact our team to discuss the type of insurance you are exploring.