Insurance Quotes & Comparisons
insurance you can count on
Without effort or frustration
The 4 Ways to buy insurance
(And how they differ)
one
direct*
This is where you buy a mass-market policy from the insurance provider. *They aren’t licensed to give personal advice.
two
online aggregators*
Think comparison sites like finder. They partner with insurers to list their policies on their site for a fee. *They aren’t licensed to give personal advice.
three
insurance agents*
insurance agents are companies presenting themselves as insurers. Think Woolworths, QANTAS, and Australia Post, who sell insurer’s products with their brand attached for a commission. *They aren’t licensed to give personal advice.
Four
insurance brokers
Brokers work for their clients, not for insurance providers. They have access to lots of different insurers and policies. Their job is to tailor policies to your needs and help you understand insurance quotes while giving personal advice.
What our clients have to say
109 James St, New Farm
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Can highly recommend Consolidated Insurance Brokers. We had some challenges with insurance to sort out and they were able to help and source a great deal fur us. Tori was fantastic, very efficient and answered all my questions. … More Nothing was a bother for her and is definitely an asset. Thank you very much.
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I had a fantastic experience working with Tracey Friedland. She was professional, knowledgeable, and truly went above and beyond to find the right coverage for my needs. Everything was explained clearly, options were compared … More thoughtfully, and the entire process was smooth and stress-free. I highly recommend Tracey Friedland to anyone looking for reliable, personalised insurance advice.
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Debbie has been an outstanding insurance broker. She helped me a lot with all my requirements and made the whole process very easy. Her replies were always prompt, clear, and professional, and she took the time to explain … More everything properly. I really appreciate her support and would highly recommend Debbie to anyone looking for reliable and responsive insurance advice.
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Words can not explain or express my greatest appreciation for Alison's dedication to reducing our insurances by 10k. Alison's assistance and experience in the industry is outstanding. Ali put in a fair few dedicated … More days(weeks) into understanding our businesses and sending out hundreds of quotes, and then consolidating all the information. I was speechless when she gave me the insurance figures for 5 restaurant's, we even went through them 3 times to ensure we hadn't missed anything when compared to the previous insurances we had. The monthly amount we have to pay is minimal compared to what we had been paying. I still don't believe it.I would recommend you, Alison and your company to anybody who had the inclination to listen to me. I am extremely happy and still in shock days later.Merry Christmas Ali, I hope you get something extra special in your Christmas stocking this year from the Boss. Look forward to working with you again in the new year.
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I was referred to Consolidated Insurance Brokers, specifically Tracey Eaton, by a friend and I only wish I had contacted her sooner. I had previously been dealing with another insurance broker who was so unresponsive that … More nearly a month passed without securing insurance.Tracey resolved everything in a single 30min phone call. She was an absolute pleasure to speak with - warm, professional, and genuinely invested in her clients. Her attitude and efficiency were outstanding.I will absolutely be referring her going forward, she is truly amazing and I cannot wait to work with her further!
Frequently Asked Questions
When you think of comparing insurances, you probably think of comparison sites like CompareTheMarket, Canstar, Finder.com.au, iSelect, etc. You see their ads all the time, and their websites are straightforward and easy to use. However, did you know that insurance isn’t that simple to compare?
No two products are the same. Each insurer has their own definitions and scope of coverage (called “policy wording”). They have different benefits, levels of service, and plenty of exclusions hidden between the lines of their fine print. This makes it nearly impossible to accurately compare products based on a table of ticks and crosses. You also have limited ability, if any, to customise their policy to suit your unique needs.
It’s also time-consuming. The average person spends 11 hours trying to make sense of their insurance needs and policies. On top of that, only limited insurers are available direct to the public. If you’re not using a broker, you’re missing out on many more insurers and policies they can offer to you.
The short answer is, absolutely not. Direct insurers can only provide one policy: their own. These products are created for mass markets and don’t account for your unique needs; they’re also hard to add or remove cover according to your needs.
In Australia, brokers often belong to ‘Broker Networks’: representative bodies that advocate for brokers with insurance companies. Broker-negotiated policies offer much better value than what’s available direct-to-public.
These networks have negotiated better coverage, pricing, and more specific policy wordings. This means you won’t be left with your claims denied because of unclear definitions or requirements.
This is because the total amount insured (eg. your home for $500k and your contents for $50k) is just one piece of the puzzle. The benefits and terms are different between all insurers – let’s say ‘Cheap-as-Chips Insurance’ doesn’t automatically include Accidental Damage cover while ‘The Good Insurance Co.’ does.
What does this mean? For example, your carpets were destroyed by accidentally knocking over a bottle of wine. ‘The Good Insurance Co.’ would cover you but ‘Cheap-as-Chips’ would deny your claim. In this example, ‘Cheap-as-Chips’ would only cover you for damage or loss from events specified in the policy, like a fire, storm or theft.
Because you’re less likely to be able to make a claim on your ‘Cheap-as-Chips’ policy as they offer less cover and benefits, they would offer a lower premium.
The lesson here? Check the protection and benefits your policy actually offers you — look beyond price. Be realistic about the cover you need for the risks that could affect you most.
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