General FAQs
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insurance.com.au is made up of people who love insurance! We're driven to help people and businesses protect themselves financially against the unexpected. Our goal is to help you find insurance that will provide security and certainty for the future. We understand insurance isn’t everyone’s thing, but it is ours and we have a long history of expertise in what we do.
As a member of Insurance Brands Australia, we have close to 40 years experience helping over 30,000 Australians protect their assets, businesses and livelihoods.
The legal stuff: Insurance.com.au Pty Ltd ABN 27 163 909 073 is an authorised representative (number 443422) of Insurance House Pty Ltd ABN 33 006 500 072 AFSL 240954
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insurance.com.au uses intelligent simplified pathways to provide comprehensive insurance cover, value for money and the best possible service in the least possible time.
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Public Liability insurance is designed to protect your business against claims resulting from accidents or injuries that occur as result of your business activities, as well as accidental damage to property owned or controlled by someone else. Public Liability insurance can protect you from the financial loss of associated legal costs and compensation.
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Professional Indemnity insurance is a type of liability insurance that provides cover for the financial consequences of neglect, error or omission by the professional or firm taking out the policy. If a third party makes a claim against any wrong-doing, mistake or breach of professional duty on your part, then this type of insurance will protect the assets and reputation of your business.
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You can access your policy details by logging in to your account
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You can currently purchase insurance online for the following occupational categories.
- Building Designers
- Hairdressers and Beauty Therapists
- Health Professionals
- Management Consultants
- Medical Practitioners and Caregivers
- Migration Agents
- Mortgage Brokers
- Osteopaths
- Physiotherapists
- Podiatrists
- Psychologists
- Tax Agents
- Other business professionals
If your occupation category is not listed, please contact us and we might still be able to help.
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You can leave us a message in the "Leave us a message" on our contact us page.
Click here to go to our contact page: Contact us
We'll get back to you as soon as we can. If you leave a message outside our normal trading hours, we will be in contact the next business day.
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You can leave feedback by phone, email, or leave us a message. Find all the details on the contact page. We love feedback!
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You can lodge a complaint in different ways.
You can contact us by phone, email, leave us a message via our contact page or use one of the methods outlined in our Complaints & Disputes Resolution Guide on our website. Access it here.
We welcome your complaints so we can improve our products and services.
FAQs about quotes
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You can get a quote on our Quote page.
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Log in to your account to easily retrieve your quote.
FAQs about renewals
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You can manage your policies by logging into your account.
FAQs about claims
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Call the team on 1300 468 730
If calling outside of business hours, leave a message with your contact details and someone will call you back in one business day.
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Log in to your account to navigate to claims to lodge a potential claim or notification.
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If you want to talk to someone about a claim, you can contact us via phone or form.
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Contact our customer service team by phone or email to request a claim form to be completed or a copy of claim form previously lodged.
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The first thing you must do is contact us as soon as practical after the event happens or when you first become aware of an issue or potential issue. If you delay reporting your claim, your insurer may not pay for any additional loss or damage caused by your delay. Some types of policies may also have time limits to lodge a claim so check your policy. The insurer will check the claim is covered under your policy and confirm if the claim is accepted.
Depending on the size and scale of the claim, the insurer may provide instructions and confirm the next steps to resolve the loss, such as arrange repairs or replacement. In other cases the insurer may request certain documents and evidence to prove what has been lost or damaged or a likely liability. How much evidence is required will depend on the nature and the value of the claim.
The types of documents your insurer may request to prove damage or loss, evidence of ownership or the value of items may include but are not limited to:
- Original receipts
- Original police reports
- Valuation reports
- Medical certificates
- Product make, model and serial numbers
- Photographs or videos of property or items, or the event itself
Talk to your insurer before you spend money on repairs after an incident or settle a claim with a third party. Some repairs might be urgent and necessary for health and safety – such as preventing water coming through a damaged roof – but don’t overspend.
Many insurers have preferred repairers and suppliers and can arrange appropriate emergency repairs for you. Remember to keep receipts for any out-of-pocket expenses you incur.
Your insurer may also ask you to keep all damaged items for inspection if required, unless they are a health hazard. Some damaged items may also be suitable for repair.
Large claims may involve an insurance assessor. Their task is to examine your situation, your loss and its value. The insurer will then make a decision on your claim. In some cases, your insurer may ask the insurer involving legal representatives where necessary to negotiate and represent the policyholder in court if applicable.
The insurer will also notify you every 20 business days, about the progress of your claim. If your claim is complex, the insurance company will negotiate with you to arrange a different timeframe for settling the claim.
If a claim relates to liability insurance:
Liability claims are different to most other insurance claims as it covers a loss is suffered by a third party, not the policyholder. The process will alter depending on whether the policyholder has received a demand from the third party and the type of loss suffered by the third party. The insurer will decide whether to accept liability and whether to negotiate settlement with the third party. However other claims can take months or even years to resolve if they end up in legal proceedings. Your insurer and insurer appointed legal representative will manage this process and keep you informed of the progress.
If in doubt, we are here to help. Contact us if you have any queries or need assistance with what to do.
Policy changes FAQs
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Log in to your account. Under 'My Policies', select the policy you would like to edit and click the option to edit your policy.
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Log in to your account. Under 'My Policies', select the policy you would like to cancel and click the option to request a cancelation.