Insurance Insider

Travel Insurance

You wouldn’t risk driving your car without insurance, would you? Would you sleep well at night if you knew your home and all your possessions wouldn’t be replaced if there was a fire? Car and Home Insurance are an important part of life, and making sure you are covered is a priority. So what about when you go away from Australia, on holiday? Imagine you have disembarked from your plane, and you are waiting at the luggage carousel. Minutes turn into hours and there is no sign of your luggage. The airline cannot explain it, and your only choice is to go on with your holiday without any clothing or toiletries, or your camera! Would you rest easy if you knew that you had to wear the cost of replacing all those things? What if your wallet was stolen, and your passport and credit cards … [Read More...]

Home Insurance

The biggest investment you will probably ever make – the largest purchase of your life, is your home. There are so many unforeseen things that can happen to your home – why would you risk not having insurance for it? You wouldn’t drive your car knowing that if you had an accident, you would have to wear the cost of all the damages you incurred, so why live in your home knowing that should it catch on fire, or be damaged in a storm, you would have to find the money to fix it, all by yourself. There are two types of home insurance. One type covers the house itself - the walls, the roof, the structure of the building, which can include other structures on your property too – like a freestanding garage or shed. The other type of cover is contents insurance. If you were to pick up your house and shake it upside down, everything that fell out onto the floor is your contents. Clothing, personal effects, Manchester, crockery, your furniture – every item that you own, is your household contents. There are some types of home insurance cover that combine both home and contents cover, and others that treat them separately. This is useful in the case of renters or tenants, who would … [Read More...]

Car Insurance

There are no excuses for inadequate car insurance cover any more! There is a common misconception in Australia, that the CTP or Compulsory Third Party Insurance which is part of the vehicle registration all car owners must pay for means that you do not need to purchase separate insurance. Many believe –wrongly- that CTP covers them for damage to other vehicles and public property, when in actual fact it only covers the driver of the offending vehicle for bodily damage or the death of another human being – whether it be a pedestrian, the driver of another vehicle or motor cycle, or a passenger in their own vehicle. There is no cover or compensation to their own vehicle or the vehicles or property of others, for drivers who rely solely on CTP for their vehicle insurance. Purchasing separate car insurance is essential to safeguard yourself and others from the, oftentimes extreme costs that can be associated with repairing one or more vehicles and public property, should they be involved in an accident with you. Once upon a time, organising cheap insurance meant going direct to the bank or to an insurance company, filling out forms, getting a quote or quotes from different companies … [Read More...]

Travel Insurance

Home Insurance

Car Insurance

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