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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I can’t speak highly enough of Consolidated Insurance Brokers, especially Tracey. Her dedication, professionalism, and attention to detail were outstanding from start to finish. The level of communication was exceptional … More - clear, timely, and proactive - making the entire process smooth and stress-free.Tracey’s customer service went above and beyond, ensuring every question was answered and every concern addressed. A truly first-class experience. Highly recommended!
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Debbie from Consolidated Insurance Brokers always seems to be able to answer her phone. She turns deals around super quickly, knows her stuff, and delivers the cheapest most appropriate insurance. Highly recommend!
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Tracey Friedland was extremely helpful in researching and obtaining a lower insurance rate for me. Her communication was excellent and prompt. I would definitely use her services again once my insurance term is over.
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Tracey Eaton was so professional and caring to talk to over the phone supporting me with my request. Tracey knew exactly what information I was requesting for and had a response for me the next day. I was so appreciative … More for her support and help. I would highly recommend Tracey any time, as she is an asset to her company. Thankyou Tracey.
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Extremely happy with the service I received from Allison. She went above and beyond, staying back late to make sure everything was sorted on time. Her communication was clear and consistent throughout the entire process, … More and she took the time to explain everything in a way that made it easy to understand.
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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