How to Get an Insurance Quote
Overview
Getting a quote is the first step toward taking out a new policy. Our quote process is designed to capture the information needed to price risk fairly, show you a range of coverage options, and let you tailor the result to your needs. This guide explains which products require a quote, what information to have ready, how to compare options, and how long a quote is valid.
Products Available
We offer quotes across our core product lines. Common options in your region include Home & Contents, Motor Vehicle, Health, Life, Travel. Each product has its own question set and rating factors. The quote tool adapts automatically based on the product you choose.
What You Will Need
Have the following details ready before you start a quote:
- Personal details -Full name, date of birth, and current address.
- Asset details -For home or motor, details of the property or vehicle including make, model, year, and any modifications.
- Claims and cover history -Any past claims in the last 5 years and your current insurer if you have one.
- Sum insured preference -A view of how much cover you want, if you know. Our tool can suggest an appropriate range.
- Payment preference -Annual in full or monthly instalments.
Quote Channels
- Online quote tool -The fastest option. Most quotes are generated in under 5 minutes.
- Mobile App -Start or resume a quote on the go.
- Phone -Speak with an agent during Mon-Fri 8:30 AM - 5:00 PM AEST for a guided quote, especially for complex or bundled needs.
- Broker -If you prefer to use a licensed broker, our wholesale products are available through the broker network.
Comparing Options
Your quote typically presents three coverage tiers so you can compare:
- Essentials -Meets the core risks at the lowest premium.
- Standard -Balances common optional covers and a moderate deductible.
- Premium -Broadest cover with low deductibles and additional benefits.
You can mix and match by adjusting optional covers and the deductible individually. The premium updates in real time as you make changes.
Validity and Next Steps
- A saved quote is typically valid for 30 days. You can return to it any time during that period through the app or portal.
- If you make no changes, the quoted premium is honoured when you proceed to purchase.
- Material changes, such as a new claim or a change in address, may require the quote to be refreshed.
- To purchase, simply confirm your preferred option, enter your payment details, and accept the policy terms.
Frequently Asked Questions
Q: Does requesting a quote affect my credit rating?
No. Quotes do not involve a credit inquiry that affects your score. Some products may use a soft credit check that is invisible to other lenders.
Q: Why is my quote different from an online comparison site?
Comparison sites use standardised assumptions. Our direct quote captures additional details that can improve the price or coverage for your situation.
Q: Can I adjust cover after buying the policy?
Yes. You can increase or decrease cover, add optional benefits, or change the deductible at any time. Some changes are effective immediately; others take effect at the next renewal.
Q: Do you offer discounts?
Common discounts include multi-policy, no-claims, advance purchase, and loyalty. The quote tool applies any you qualify for automatically.
Important Information
Quotes and policies issued by us comply with regulations enforced by Australian Prudential Regulation Authority (APRA). For unresolved concerns, Australian Financial Complaints Authority (AFCA) provides free, independent dispute resolution.
Need Help?
Our sales team is available during Mon-Fri 8:30 AM - 5:00 PM AEST. For life-threatening emergencies, always call 000 first.