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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When it comes to insurance, I always end up feeling frustrated. Home insurance in particular gives me a real headache—what type do I need? Owner-occupied, investment, contents… should I have contents for both or just one?Technology … More makes it easy to click through everything on your phone, but when you actually need a real person to guide you, there’s no one there. I recently realised I was insured for the wrong things—or not covered at all.So I called Tracey Friedland, whom I’ve worked with for a long time for business insurance and renewals. I asked, a bit humbled, “Do you only help with business insurance, or can you help with personal insurance too?”Tracey’s warm and confident reply was, “Of course, we can help!” What a relief.Within half a day and just a couple of phone calls, she had everything sorted—building insurance, contents, landlord cover—accurate, complete, and finally done properly. All my concerns were gone.What else can I say about Tracey Friedland?An absolutely amazing lady.
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Gina was fantastic in organising our home and contents insurance. I had to go back multiple times with changes, and she was always patient, responsive, and incredibly helpful. She made the whole process easy, and got us a … More great price too. Highly recommend!
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Clayton Rowlings did a wonderful job for me. He's very knowledgeable on everything about insurance. He's also an excellent communicator, being able to listen and understand my needs and then advise me accordingly. … More He got me a deal about 30% cheaper than the one I got from my existing stockbroker. This occasion of getting an insurance quote was the best experience I have ever had so far in my lifetime and I'm 67 years old!
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I cannot recommend Aimee Spencer highly enough. She didn't just sell me a policy; she genuinely cared about understanding my specific coverage needs. Not only did Aimee take the time to genuinely understand my specific … More coverage needs, but she proactively ensured all necessary documentation was issued and delivered well ahead of my deadline. If you are looking for an insurance broker who is competent, caring, and truly operates with your best interest in mind, look no further.
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I couldn't be happier with the professionalism and high service standards I've experienced since first contacting CIB back in March 2025 for an insurance quote.I have been assisted by Tracey Eaton who is always … More at the end of the phone when I call or quick to respond on the off chance she's not available.Tracey is very friendly, patient, informative and knowledgable. She is authentic and from my initial contact (and further ones since) Tracey goes to the lengths necessary to answer all my questions by explaining and adding extra information, or providing examples in straightforward terms, and conducts any follow up very promptly and effectively.My insurance need wasn't for a common residential property, and staff at numerous other insurance companies I'd approached didn't know if they could arrange cover or couldn't.By the time I'd got CIBs contact info I was frustrated, skeptical and I didn't have confidence I was going to find an insurance product I was after.Straight away Tracey said she was pretty sure she could find an insurer who would be able to offer me insurance, as she was aware coverage in the past had been' obtained for similar properties and circimstances. Within a short time she was back in contact confirming it was possible.Subsequent quotes were reasonable and provided options, and the policy statement info was easy to understand.After many dead-ends with a lot of enquiries I'd made of other insurers, previously, and a lot of wasted time and dealing with other people nowhere near as interested to help or knowledgeable about available imsurers ... my contact and experience with Tracey and CIB was so easy, hassle free and re-assuring. I ended up with everything I needed and for a competitive premium.A couple of other employees of CIB who I've also spoken to, including Mark McGuire, have been just as helpful, interested and committed to providing great communication and assistance to me.It's evident the employment standards, training and management support or practices result in recruiting good people, who enjoy their job and are good at it.I couldn't be more satisfied and I believe I'm in good hands. I continue to receive fast, friendly, genuine assistance on the couple of occassions I've had further contact since taking out my policy.Thanks Tracey and to your colleagues, you display a passion and commitment to present the best side of the insurance industry, in the best interest and for benefit to your client.I hope many other people get to have the same positive experience as I have.
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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