renewal service
no more surprises
Hassle-free insurance renewals
Insurers often change the terms and coverage of their policies yearly, without much notice or you realising. If you dig to the bottom of your email inbox, you’d probably find an email inviting you to “Read the updated PDS”…
Like most people, you probably renew the policy and pay thinking you’re covered… Little do you know, the insurer may have increased their price and offered slightly less cover.
According to a Consumer Action Law Centre (CALC) study, 86% of Australians would find clearer information about their premiums in renewal letters helpful.
Understand your options
comparisons in clear English
As a client of CIB, you'll get a comparison of your insurance renewals in a visual, easy to interpret format. Straight to your inbox. You'll always understand what you're covered for, what you're not covered for, and what your duties are.
get the best value
Quotes for renewal options
Every year we re-quote your insurance renewals with our full panel of insurers. This means you get given a range of quote options, so the choice is always yours, and you can be certain you've got the best cover at the best price.
GET CLARITY ON YOUR COVER
As a client of CIB, you’ll receive a clear list of any changes to your policy, a full comparison to last year’s premium, and any recommendations we have for better coverage.
Every year, your broker will “remarket” (quote your needs with a range of insurers) to see if we can get you a better value policy with a different insurer.
By doing this on your behalf, we make sure you always have the best protection in place at the best possible price for your truck insurance, property insurance.
What our clients have to say
109 James Street, New Farm
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I recently had the privilege of connecting with Mark McGuire. I had never used a broker for my Strata Insurance, but it was the best decision I made this year. Not only did he save us nearly $1600, but the properties are … More now insured for more and with better coverage options. He was extremely efficient and made the process very easy. I could not recommend his services any more highly!
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I can't recommend Alison and the team highly enough. I had an urgent request for building insurance and Alison ensured we became a priority as we had to have insurance within the day. She tailored our request to get … More the best possible cover and price. Thank you!
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I have just started my own business and insurance is a must I contacted consolidated insurance brokers and was able to speak with someone who knew what I needed and was very helpful with ideas on having the correct insurance … More policies.If you want insurance at the best rate possible look no further.Tracey Eaton has many years of experience dealing with insurance companies and will find you the best rate possible.Having a broker like Tracey gives me piece of mind that I will always only pay for things I need for my business.Thank you Tracey for all your help with getting the right insurance for me.
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If you need an exceptional insurance consultant, I strongly recommend Clayton at Consolidated Insurance Brokers! He is the best! From our first conversation, my requirements were understood and concerns availed. With strong … More policy knowledgeable and sharp solutions, Clayton made clear the process, showing professional care for me and my business specific needs. I am very pleased with the identified solution from a top tier insurance firm at a great competitive price. I very much enjoyed our conversations and now look forward to welcoming Clayton to my cafe.
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Alison went out of her way to provide information need to review an existing account with another broker. It was easy to explain what was wanted and recommendations from Alison enabled the review to flow. Her knowledge of … More the Insurance world impressed me and she is a pleasure to speak with. Alison is credit to the company and is easy to speak with. I was sorry we could not get a better figure. but she did her best. Thank you for allowing me to comment.
Frequently Asked Questions
Your insurance needs will change frequently while you hold your policy. Your yearly renewal is a great opportunity to re-evaluate your needs, update your details, and make sure you’re not over or under-insured.
Under the Insurance Contracts Act 1984, you have a duty to not make a misrepresentation. If you do, your insurer could use that against you to reduce or deny your claims entirely. This means it’s important to ensure the details on your policy are accurate and up to date.
Your business, home and vehicle are some of the greatest investments you’ll make in your lifetime. It’s important to ensure there aren’t any nasty surprises in the event you need to make a claim.
It can be easy to forget what changes have occurred throughout the year. While we recommend updating your broker at the time of any changes, these questions can help keep your policy up-to-date when renewing your insurance:
- Are you offering any new goods or services?
- Does your company store or exchange customer information?
- Has your business’s legal structure changed?
- Do you expect your revenue/personal income to change?
- Have you purchased or sold property or equipment?
- Have you renovated your home or changed your business fit-out?
- Has your building or home value changed?
- Are your property/ies insured for full replacement value?
- Have staff numbers changed?
- Do you use subcontractors, or has your use of subcontractors increased/decreased?
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