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 Street, New Farm
5.0 799 reviews
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Kim Cleggett ★★★★★ in the last week
I contacted Consolidated Insurance Brokers because I wasn't happy with the way I was treated as a number at my "other" insurance agency. I required insurance for 2 commercial properties and Clayton Rowlings, … More my broker had the best quote available, form a variety of underwriters, within 48 hours. Clayton steered me through an easy process and was a pleasure to work with. A 5 star rating for sure. -
Mac Christie ★★★★★ a week ago
Thank you Tracey Friedland for your friendly, efficient and professional manner in finding me a suitable Professional Indemnity underwriter for my unusual form of consultant activity. Also thanks for patiently taking me … More through a process I find daunting. I had to do very little to set the up and the price was much better than expected. -
Kelly Yeoh ★★★★★ a week ago
Tori at Consolidated Insurance Brokers was an absolute pleasure to deal with. From start to finish, nothing was too difficult for her. She handled everything with professionalism, efficiency, and a genuinely helpful attitude. … More She took the time to understand my needs and secured me a fantastic deal with a reputable insurer. It's rare to find such great service these days, and Tori truly went above and beyond. Highly recommend! -
Uyen Tran ★★★★★ a week ago
I would like to extend my sincere thanks to Alison Neve from Consolidated Insurance Brokers.She went above and beyond to help me find the best insurance for my commercial property. Alison took the time to truly understand … More my needs and patiently explained everything clearly and thoroughly. Her professionalism, dedication, and genuine care were greatly appreciated.Thank you so much for your outstanding assistance. I truly value your support! -
NurFatinah Binte Zainal Abidin ★★★★★ a week ago
I had a great experience working with Jade Cooper. She was professional, responsive, and made the whole process smooth and stress-free. Her clear communication and dedication really stood out. Highly recommend her for anyone … More looking for reliable and supportive brokerage services.
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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