Car Insurance
Get help with car insurance in Australia including cover, exclusions, claims, costs, disputes, documents and common mistakes.
What this site covers
Most insurance sites are written only for the moment before purchase. This one is wider. It covers buying decisions, renewal questions, claims, repair or payout disputes, insurer complaints, AFCA pathways and the practical documents that usually decide outcomes.
Home Insurance
Get help with home insurance in Australia including cover, exclusions, claims, costs, disputes, documents and common mistakes.
Health Insurance
Get help with health insurance in Australia including cover, exclusions, claims, costs, disputes, documents and common mistakes.
Life Insurance
Get help with life insurance in Australia including cover, exclusions, claims, costs, disputes, documents and common mistakes.
Travel Insurance
Get help with travel insurance in Australia including cover, exclusions, claims, costs, disputes, documents and common mistakes.
Business Insurance
Get help with business insurance in Australia including cover, exclusions, claims, costs, disputes, documents and common mistakes.
Claims Help
Get help with insurance claims, delays, denials, complaints, AFCA pathways, documents and next steps in Australia.
Disputes Help
Get help with insurance claims, delays, denials, complaints, AFCA pathways, documents and next steps in Australia.
Why the site is structured this way
Insurance types
Separate hubs for personal, health, life and business lines make it easier to get to the wording, exclusions and claim issues that actually fit the product.
Claims and disputes
Dedicated pathways cover delays, denials, underpayments, complaints and AFCA related issues, because those needs are different from buying a policy.
Situation pages
Many people start with a problem, not a policy label. The site therefore includes urgent cover, cancellation, rejection, claims history and payment pressure angles.
Guides and comparisons
Long form guides and side by side comparison pages help with complex decisions where price on its own is not enough.
What usually matters most
The useful questions are usually the same across insurance classes. What event are you actually trying to protect against. What does the wording really say. Which exclusions are most likely to matter. What evidence will be needed if you claim. What are the limits, waiting periods, sub limits or excess. And what complaint path is available if the insurer's position does not seem right.
In Australia, insurance complaints generally start with the insurer's internal dispute resolution process. If the matter is not resolved, AFCA may be available for eligible complaints. Australian private hospital insurance products are classified as Gold, Silver, Bronze or Basic, under rules that became mandatory from 1 April 2020. Moneysmart notes that a higher excess can reduce premium, but it also means a larger out of pocket amount if you claim.
Request insurance help
Use the form below if you want help with a policy decision, a claim, a delay, a denial, an underpayment or a complaint pathway.