House, Contents & Car Insurance
We have to admit there is some very persuasive advertising on TV and radio for cheap house & contents and motor vehicle insurance. Is it a case of "if it’s too good to be true, it probably is?" - not necessarily.
These policies tend to serve a need and usually that need is based solely on price. That doesn’t mean there are many events or items not covered by these policies, it may just mean that, in the event of a loss, what you receive in compensation may be limited or you may be restricted on choice.
We choose to provide cover that surpasses these products and, while you may pay a little more on occasion, these policies are written with the intention of responding specifically to your needs in the event of a loss. We would prefer that you get the right cover at a competitive price than pay a little less and cross your fingers for the rest of the year in the hope that nothing goes wrong. We believe in minimising your risk and anxiety, not adding to it.
Family and lifestyle are important to most people. As your insurance broker of choice, we can refer you to options to consider that can protect you and your family when it matters.
As your insurance broker of choice we have an agreement with Austbrokers Life Pty Ltd and *Suncorp (refer below) to provide referral services in relation to Austbrokers Life Solutions insurance, which has the option to provide Death Cover, Income Protection Cover, Serious Illness Cover and Kids Cover in the one policy.
We act as a mere referrer only and do not provide any advice on this insurance - you need to decide if it is right for you. See "our role" below for details.
Find out more about Austbrokers Life Insurance here.
Alternatively call the Austbrokers Life Solutions Contact Centre on 1300 161 635 to speak to a consultant, Monday to Friday, from 8am to 8pm AEST, or contact your Austbrokers Terrace broker to organise a call back for you.
*Austbrokers Life Solutions is issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Suncorp) and is distributed by Suncorp Financial Services Pty Ltd ABN 50 010 844 621, AFSL 229885 (SFS). Suncorp is the insurer except for the redundancy benefit which is insured by AAI Limited ABN 48 005 297 807, AFSL 230859 (AAI). Suncorp, SFS and AAI are subsidiaries of Suncorp Group Limited ABN 66 145 290 124 (Suncorp Group). The different entities belonging to the Suncorp Group are not responsible for, or liable in respect of, products and services provided by other Suncorp Group entities.
Our role - We do not provide any financial services, including any financial product advice in relation to Austbrokers Life Solutions Insurance. Nothing on this page should be read as implied or expressly endorsing or recommending Austbrokers Life Solutions insurance and/or life insurance to you or otherwise.
We refer you to SFS in relation to Austbrokers Life Solutions products under an arrangement with Austbrokers Life Pty Ltd ABN 23 614 273 915, AFSL 491816 (Austbrokers Life).
If you buy an Austbrokers Life Solutions policy, a referral fee will be payable by SFS to Austbrokers Life. This referral fee is included in your premium and will be shared between Austbrokers Life (who receives up to 20% of the referral fee) and us (we receive up to 80% of the referral fee). For Level Premium products, the referral fee will be up to 20% of the premium paid in the first year and up to 10% of the premium paid for each subsequent year. For Stepped Premium products, the referral fee will be up to 20% of the premium paid for the first year and for each subsequent year.
It is important that you read the Austbrokers Life Solutions insurance combined Product Disclosure Statement and Policy Document (PDS) and Financial Services Guide (FSG) before making any decisions regarding whether to acquire Austbrokers Life Solutions. You can also call 1300 161 635 and request a copy free of charge.