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.

businesswoman frustrated with laptop computer
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.

signing insurance renewal proposal form

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

5.0 523 reviews

  • Avatar Sean Stewart ★★★★★ 2 weeks ago
    Clayton Rowlings from Consolidated was a pleasure to work with and got me the best car insurance deal in the market by far. His high level of service was impressive and he stayed in touch with me in assistance for nearly … More 1 year while I was deciding what to buy. He was very attentive and super helpful at each step of the way, which made navigating this insurance process easy to understand and finalise. Thanks again, Clayton - highly recommend!
  • Avatar Jamie Firth ★★★★★ 3 weeks ago
    Tracey was extremely great to deal with and was so helpful in helping us find insurance for our business. But not only find insurance, got us the best possible outcome for our business. Other brokers were just in it for their … More pay day, Tracey was in it to get the best deal for us. She listened to us and about our business so she understood exactly what we were after.If you are looking for any kind of insurance, I highly recommend dealing with Tracey as she will help you find the best possible outcome.
  • Avatar Ryan ★★★★★ 3 weeks ago
    I have had the pleasure of dealing with Alison from consolidated insurance brokers. And from the start to the end Alison has shown a very high level of professional and work ethic. Alison kept me in the loop regularly and … More was extremely reliable with fast information and great service. Thank you.
  • Avatar Charis C ★★★★★ 3 weeks ago
    I highly recommend the team at Consolidated Insurance Brokers. I initially dealt with Tracey, but I also got the opportunity to work with William along the way too - both were super knowledgeable, supportive and patient while … More I registered my new business.As a startup, they also provided the guidance needed to get the appropriate level of coverage.I would highly recommend anyone starting their business to speak with either William or Tracey at Consolidated Insurance Brokers!
  • Avatar Paul Cheales ★★★★★ 4 weeks ago
    It pays to shop around!After 6 years, I decided to go to market for my company's Liability & Professional Indemnity Insurance.Finding an appropriate insurance policy has always been a difficult task for our organisation, … More due to its unusual operational activities (Power Industry Training & Assessment).I was referred to Tracey Eaton at Consolidated Insurance Brokers through an industry contact since my existing PI & PL Insurance Policy was due for renewal.Tracey proved her worth easily by being available, attentive, capable and experienced to broker a suitable policy for us at a remarkably lower Premium cost.She did this with very little lead time and with a very happy & accommodating attitude to boot.Thank you Tracey. Well done.

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:

  1. Are you offering any new goods or services?
  2. Does your company store or exchange customer information?
  3. Has your business’s legal structure changed?
  4. Do you expect your revenue/personal income to change?
  5. Have you purchased or sold property or equipment?
  6. Have you renovated your home or changed your business fit-out?
  7. Has your building or home value changed?
  8. Are your property/ies insured for full replacement value?
  9. Have staff numbers changed?
  10. Do you use subcontractors, or has your use of subcontractors increased/decreased?

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