The first thing to mention is that WFI has one of the longest histories of being an insurer in Australia, dating all the way back to 1919. I love the fact that they have locations all around Australia, with more than 170 local areas managers and 16 client service teams. This proves that WFI is really as professional as they say to be.

The greatest fact with their business insurance is that you can tailor it to fit your needs. I was impressed to see that a list of plans can be created including commercial plans, office plans, and contract works. I had a look at their commercial plan and learned that they involve coverage for events like employee theft, glass breakage, machinery breakdown and heap more. Additional benefits can also be taken like loss of rent, landscaping cost and demolition of debris.

WFI is one of the few insurers that offer farm insurance with a list of individual plans that can be customised to fit your needs. For example, the thing that I really liked is that there are products known as rural plan, livestock mortality and early bird crop. Basically, all aspects of your farm can be insured. In my opinion, being able to have a policy customised to fit your requirement is a great way to protect yourself from all the unpredictable changes Australia can experience.

Moving onto more personal insurance, WFI also have house, car and landlord insurance. Unlike traditional insurers, the thing that really stood out is that a range of different plans to choose from, including innovative ones like private plan and landlord plan. I learned that all sort of homes can be insured, including classic and standards.

I know knowing the amount you should insured for your contents and building can be tough. This is why I was so pleased to see that there are several calculators on WFI’s website that you can utilise to give you a better idea, so that you will be able to make a better decision.

When making claims, there are actually three types; general, motor and liability. The biggest difference between WFI and other insurers is that there is actually a web form that you can complete using your keyboard. This is something I have not seen before from other companies.

If WFI sounds like something you may be interested in, please do not hesitate to visit their website.

Volkswagen Finance offers insurance products that can be considered effective for many Volkswagen drivers. A number of services are provided including loan and insurance, for both your car as well as the funding of it.

The dominant cover is motor insurance which protects the car itself. I think the biggest advantage for choosing Volkswagen Finance over other car insurers is the fact that you will be certain to get only quality parts to repair your Volkswagen vehicle. This can also be so that you can preserve the value of your car as well as push aside any risks that may make your warranty invalid. The next thing I was very glad about is that you can choose your own repairer, which means you will be able to make the first choice about what happens to your car.

If your car is ever stolen, one very convenient feature that impressed me is that fact that you will be able to keep driving even if your car is stolen by giving you a rental car at no extra cost. This is perfect for people that depend on their cars to do their day to day activities, including going to work.

I had a look at the limits of claims you can make and saw that emergency repairs go up to $500, personal effects up to $500 and emergency accommodation up to $400. I thought these amounts are beyond reasonable and would definitely let you drive in peace. To make your policy even better, I was glad to see optional benefits are available to be taken out like rental or loan, and protected no claim bonus.

Another important product to consider is loan protection. You can’t always guarantee that you will be able to pay back your loans which is why having a backup plan is so important. The levels available to be chosen in this cover include plans that include a mixture trauma, death, disability and involuntary unemployment. To my understanding, as soon as you suffer from any of the mentioned conditions, Volkswagen Finance will be able to provide you with money to help pay your car loan.

There are two levels of covers available for tyre and rim insurance. They are known as Standard Cover and Prestige Cover. I partially loved the Prestige cover because it offers up to $800 for tyre repair and replacements, up to $1400 for all claims. I thought this was a more than enough and would no doubt be able to keep your tyres in great condition no matter what happens.

According to what I read about Toyota Insurance, they can provide you with a long range of personal and business insurance. They are part of the Toyota Group of Companies. The best part about them I that they operate throughout Australia to protect your car.

As you may expect their main product is car insurance. It was very interesting to see that you are given the option to choose either the agreed value or market value of your car. You will be covered for things like accidental loss, damage and liability for property damages, which I thought are all very essential things. Secondly, it is also interesting to see that you can pay your premiums monthly or annually, or alternatively, you can have it included in your Toyota Finance. I guess this is one of the biggest advantages for being with them.

Unlike other car insurers you need to take out additional roadside assistant if you want to be able to be rescued in the middle of the road. There are to levels of cover available; Roadside Assist and Roadside Assist PLUS. The latter one costs $90, which is very affordable and includes features like emergency fuel, changing of flat tyres, emergency rental vehicle, emergency parts supply, and many more. Seeing the amount of features, it can be seen as foolish to not take them out.

Financing your vehicle is important and I was excited to see that there are two types of insurance available for this; Finance Gap Insurance and Payment Protection Insurance. I was glad to see in the finance gap insurance that you have four options to choose from, depending on the amount of ‘gap’ and the additional expenses. The highest option includes $30,000 ‘gap’ and up to $4,000 of additional expenses. I felt the amount goes beyond enough and would definitely proof to be useful.

The main point of payment protection insurance is to offer you financial security in circumstances when you are unable to work. The payment you receive then can be used to pay for things like repayments, maintenance of your vehicle and other financial burdens. Again, there are four options, ranging from life cover to involuntary unemployment cover, or you may choose a combination of them.

If you are already a Toyota car owner and would like to see how they can help you in terms of your insurance needs, make sure you visit their website or ask about them in your closest dealer.

The first thing I realised is that Resilium is a different type of insurance provider. They actually give you advice and then let you choose from a range of insurance products from a number of underwriters. According to their website some of the most common underwriters that you will be able to get policies from are GIO, CGU and NTI.

First of all, I was able to see that a list of business insurance offered, including:

• Public liability insurance
• Trade insurance
• Fleet motor insurance
• Farm insurance
• Travel Insurance

In their personal lines, there is car insurance. It comes with several levels of cover such as comprehensive, platinum, third party fire and theft cover, and third party property damage only. Depending on your needs, some of the things to really point out in their comprehensive car insurance include new car replacement, choice of repairer, and options such as windscreen coverage and no claim discount.

If you have a caravan or trailer, you will be happy to know that they can also be insured. This includes having the contents inside covered as well of up to $500. Emergency repairs are included and if you are more than 100km away from your home, accommodation will be provided. Most importantly, claims can be accessed anytime of the day.

I was taken away by the amount of home and contents insurance products available. Included are classic, platinum, 55UP, investor and top strata residential. I decided to give the classic cover an overview and saw that it automatically covers for rain, flash floods, storms and rising rivers, which is uncommon from other insurers. There is also legal cover of up to $20,000,000. One of the things that I was unexpected to see is that if the cost to rebuild your home is more than the amount insured, you will be able to receive up to 25% of extra product with the Safety Net Home.

There are two types of boat insurance. They are essential boat insurance and comprehensive boat insurance. I think the one with the highest cover is Comprehensive and would therefore recommend that one to most people. Looking through the features I can confidentially say that it would be able to offer you a peace of mind with features like replacement and up to $5,000 for each rescue charged by a maritime rescue organisation.

To find more information about Resilim, it is suggested you check out their website and speak to one of their advisers.

Myer Insurance is a company that I found out to be bought to you by one of the biggest retailers in Australia partnered with QBE Insurance. As soon as I saw this I thought it was a good combination since they are both major brands in the country, meaning it will be something you can trust. At the time of writing this review, Myer Insurance offers three types of products.

I was not surprised to see that one of the products is car insurance. According to their website it seems that their most outstanding policy is their comprehensive plan. Having a quick glance through the outstanding features offered, I was glad to see that many of the essential things are covered. They include emergency repairs, lifetime repair, no claim bonus discount, and even a new car replacement for cars up to two years old. I was surprised to also see things like fatality cover, employers’ liability and child seat cover. In terms of the cooling period, it is only 21 days, which is very reasonable.

If a comprehensive plan is not for you, there are also Third party fire & theft, and Third party only. Both of these covers offer theft hire car, change of vehicle and uninsured motorist benefits of up to $5,000. In my opinion, these are more than enough for the average driver and would surely give them a peace of mind.

The second personal product offered is home insurance, including contents insurance and combined. In just an overview, some of the noteworthy features include new for old cover on most contents, motor burnouts, key and lock, identify theft of up to $5,000, as well as accommodation costs. If that is not enough, optional extras are also available.

There are two level of covers that you can choose from; Home cover or Home cover prestige. The highest cover, which is also the one I recommend, is Home cover prestige. The reason why I love this cover so much is that it includes coverage for accidental damage, which I think is very important as most loss are caused through this way. The claim limits are also much higher, for example the compensation for death is $10,000 for Home cover prestige and only $5,000 for Home cover.

For house owners that are renting, landlord insurance is something worth checking out. You will be covered for 13 events, which is very comforting to know, as well as building costs, external door locks and legal liability. To enhance your protection you can optionally get rent default and theft/vandalism by tenants.

Kmart and Westfarmers Insurance have come together to bring car insurance at an affordable cost, known as Kmart Tyre and Auto Service Insurance. If you have been using Kmart to get quality tyres, it is time you extend yourself to also taking out their car insurance. Looking through their website I learned that you can keep your current rating, pay annually or monthly, have access to a 24-hour emergency claim, and interestingly, you can earn flybuys points on your policy.

A range of different policy choices can be chosen to fit the needs of your car and the amount of protection you are after.

Comprehensive offers the most complete protection. The advantages of this plan compared to the others is that it not only covers you from damages done to your car, but it also covers you from damaging you do to other cars or property, as well as protection against theft and fire, among many more. If you have a trailer, you can have it covered too without having to take out another policy, which I think is very handy.

Instead of just paying you, KTAS will also offer you replacement for groceries, baby capsules and child seats if they are damaged or stolen. This goes for your keys and locks too.

If you don’t think you need the highest protection, the next plan that I really recommend you to take out is Third party fire and theft. The reason why I was so overwhelmed by this cover is that it covers you from damage you do to other cars, as well from fire and theft. Did you know the maximum claim you will be able to receive for liabilities is up to $20,000,000.

Lastly, the lowest cover is known as Third party property damage. It only covers you from liabilities in the events if you accidentally damage someone else’s property. The downside to this policy however is that if your car is damaged in the process, you will need to pay for the cost for it to be repaired or replaced yourself. Even though this policy doesn’t offer everything, it still contains some very useful features.

For more information to how Kmart Tyres and Auto Service Insurance will be able to benefit your car further, feel free to take a look through their website. You will be able to read about making a claims and things of this nature which I thought was very easy.

No one likes paying expensive car insurance, especially if you consider yourself a safe driver that hasn’t made any claims for over several years. The thing that stood out from Cashback Car Insurance is that they will refund 10% of your total premium aid over three years if you do not make any claims for that period. I though this is a great way to award drivers.

At first I found the website to be generally easy to use. You can choose the model of your car straight from their homepage and then receive an immediate quote. According to their website, there are no forms to fill out, even if you make a claim. In my opinion this is a great way to reduce the stress and burdens that may come with driving.

Secondly, you are able to pay monthly to help manage your finances better. If you can afford it, you can also pay yearly so that you can get all the bills out of your way. Not every company out there offers this option, and seeing that Cashback offers it is something to not take lightly.

I went through the product disclosure statement and found out that a number of things can be covered. The first thing that I was really overwhelmed to see is that the maximum legal liability that you can take out is $20,000,000. Other features include damages done to the car, personal effects, trailers, emergency transport and accommodation. The greatest thing is that you can get a new car replacement if your new car is damaged beyond repair in a total less within a certain period.

I was particularly glad to see that there are covers for loss or damage to the car. It covers for important events like fire, which is something I believe every policy should cover. I was also glad to see that the reasonable cost for towing and storage of the car will also be paid, meaning you will be able to get a further peace of mind.

If Cashback sounds like a desirable insurer, maybe because of the way they reward their drivers, it is time for you to head over to their website. You may perhaps try to get a quote and see how much money you will be able to save, and then calculate the amount you will be able to get a refund for if you don’t make any claims for three years.