Travellers Car Insurance Review

Travellers Car Insurance, also known as TCI, is one of the ideal ways that many people have chosen to insure their car when they are travelling or backpacking. This company serves mostly tourists, overseas students and non-residents with third party cover to make sure they will be able to be protected against expensive claims against them.

Seeing the amount you will be protected for, I was actually quite shocked to see that you can claim up to is $10,000,000. This includes Third Party Vehicle Damage and Third Property Damage.

The only disadvantage with this plan though is that it only covers the policy holder, which is likely to be you, and any other named drivers that you have listed in your policy, which unfortunately only goes up to five, but still I think it is a fair number. These five names can also be changed after your policy has been bought, but according to their customer’s policy, there is a $20 administrative fee that you must pay. Also, one very important to remember is that TCI does not cover for damages to your car, theft, or bodily injuries.

Pushing that aside, I was pretty much content with the quotes. A policy can be taken out from three months, all the way to a year, and the price only ranges from a few hundred dollars which I thought was very affordable. Excesses are also quite fair. I was able to come across a table that showed the excess that distinguished the excess by age group and driving experience. I went through the FAQ and one unexpected thing I found out is that policies are not renewable.

I know besides the insurance itself, the next thing most people are concerned about is making a claim. I was quite happy with the way how this company works because all you need to do is to download their claim form, fill them up with any extra documents to prove your case, and then send them all to them.

If you would like to get more information, consider to visit their website.

Travellers Car Insurance has been rated 4.5 out of 5 by Insurance Reviews.

The Buzz Insurance Review

This review has been removed due to the closing down of The Buzz Insurance.

The Buzz Insurance is part of IAG and was established in 2009. They closed down in 2012.

The Buzz Insurance has been rated 4.5 out of 5 by Insurance Reviews.

Ouch Insurance Review

Ouch Insurance is part of the crowd of online insurers that claims to be able to provide cheaper travel insurance. In this case, Ouch especially mentioned that the price will be pain-free, which I thought was a witty way to put it.

Before going any further, the first thing to note is that only international journeys are able to be insured. I came to this conclusion after arriving to their Policy Insurance page and was only showed a list of international plans. However despite this drawback, the plans are actually pretty decent.

My favourite product in their portfolio is their Premier Plus Extras Travel Plan. You can take out this plan if you are going to USA, Canada and Antarctica. One very intriguing to know too is that Qantas Frequent Flyer points are also available in this plan. One policy can be taken out as either Single or Family. I was glad to see all the essentials are included such as unlimited claims on cancellation, emergency travel arrangements, medical/dental expenses and evacuations. However the one thing that stands out from the other plans is that you also get covered for funeral expenses within Australia as well as claims for total permanent disability.

The next plan after this is known as A Travel Plan, covering Continental Europe, South and Central America, Middle East, Africa and Japan. Things are pretty similar to the Premier Plus plan, except there are no coverage for funeral and TPD. The amounts you can claim for the other things are also identical too, and if there are any differences in claim amounts, they are just a few thousand/hundred dollars, depending what the benefits are.

The B Travel Plan is the minimum cover for UK, Asia and Tahiti. One difference in this product is that hospital compensation is a few thousand dollars less than the mentioned plans, as well as travel delays and accidental death. However don’t let the lower claim put you down, because considering the amount you can still claim, they would be perfect for anyone heading to UK, Asia or Tahiti.

Finally, C Travel Plan was designed for people heading to the Pacific Region and Indonesia, basically countries close to home.. Even though it is the lowest cover, the benefit levels are still quite high. To prove this point, the amount you can claim for accidental death is $20,000 for Family and $10,000 for Singles.

Regardless where you are going, as long as you are heading outside of Australia, there is no doubt that you will be able to get the coverage you need under the right price.

Ouch Insurance has been rated 4.5 out of 5 by Insurance Reviews.

Honda Insurance Review

Honda Insurance is offered by one of the most popular car brands in the world. In this review we will have a look at all the benefits included in their portfolio and see how they can help you.

But before going any further, the things that Honda made very clear is that you will be able to get a new car replacement if your car gets damaged in a total loss. The thing to note though is that to be eligible for this claim, your car must be within three years of its original registration date.

Another thing that made me very intrigued is that you are guaranteed to transfer any No Claim Bonus you may have from your former insurer. This means your good deeds are not forgotten. Lastly, all the parts used to repair your vehicle are sure to be genuine parts, meaning you will be able to get a peace of mind you will be given a quality service.

There are actually a number of insurance plans offered by Honda.

In their comprehensive cover, I would impressed to see an extensive list of benefits that I believe can prove to be very attractive for drivers. For example, you will be covered for damages and physical loss, even if they were accidental. You also get to enjoy claims on towing, trailer and caravan cover, as well as emergency repairs. But the thing that really caught my eyes is that personal effects and clothing are also covered, but the best thing about it is that these items can belong to you, your partner, or even of your children.

One popular insurance that many people take out is tyre and rim insurance. As the name suggests, you are able to have your tyres and wheels insured, but that’s not all. The great thing about this policy offered by Honda is that you can claim up to $800 per tyre if you take out a Prestige cover. As you can see, this amount is beyond sufficient and would surely be able to repair or buy you a new tyre/rim. The other type of cover you can take out is known as Standard.

The third policy I would like to bring your attention to is loan protection insurance. This can be for both individual and businesses, however we will be only look at the products for individual. Basically, if you ever become disabled, die, or become involuntary unemployed, your policy will be able to continue to pay off your loan so that you will be able to keep your car.

Besides the above, Honda Insurance offers several more products. You can see them on their website.

Honda Insurance has been rated 4.5 out of 5 by Insurance Reviews.

NLC Insurance Review

NLC is a financing company made especially for cars. Judging by what I can see, they have dedicated their time since 1990 to satisfy the unique car needs of Australians. With just a quick scan over their website I could see they provide financing and insurance, among many other things.

I was also surprised to see that they offer a long list of products beyond the common comprehensive policy.

The first, as stated, is known as comprehensive motor car insurance. I was generally pleased with the benefits they offered such as automatic renewal that can prove to be very helpful for people that wants to remain a lifetime customer with NLC. There is also a lease payout that I thought was very great because this means when your car is in a total loss, you will be able to make a claim to get the money to discharge your obligation under your lease. Other protections that are included and that many people find to be important are windscreen protection, emergency repairs, as well as replacement of locks and keys.

Redundancy insurance is a product that will be able to help provide financial support when you become involuntarily unemployed. You will be able to have your monthly lease paid up to $1,500 per month, which I think should be more than enough.

On the other hand, I found the extended warranty insurance to be very helpful. This is because it offers extended cover on the electrical and mechanical components when your warranty has expired, which means you will be able to get a longer peace of mind. One very interesting thing to know is that the claim server is paperless which can be helpful to reduce stress.

I was struck to see that there is a product known as scratch and dent insurance. If getting a comprehensive cover is too much for you to handle, but you still want to have the important things covered like scratches and dents, this is the policy that I can see would be great for you. The claim you can make goes up to a massive $600 for each claim, which I thought was a lot. But most importantly, you are able to claim up to $4,000 over the policy period.

Similarly, the other product in NLC’s portfolio that I thought could be very useful is the tyre and rim insurance. The biggest advantage is that you are covered for the repair or replacement for your tyres and wheels when they are damaged accidentally. The amount you can claim up to is $4,000.

Just by going through the points above, I can already see how NLC Insurance will be able to benefit you. If you want to be with a firm that already has expertise in cars, you know which one to choose.

NLC Insurance has been rated 4.5 out of 5 by Insurance Reviews.

People’s Choice Credit Union Insurance Review

What a colourful website People’s Choice Credit Union has! I moved onto their insurance information page and was again hit with many colourful designs. But besides that point, I was generally happy with all the covers offered by them as they are all products we can all relate to.

Home and Contents Insurance is something we all need, and I am happy to see that this is offered. Through experience, the features that I know are going to be very helpful included are flood cover (which is automatically covered, I should add), natural disasters, theft, glass breakage, and even lets you protect the contents of your visitors up to the value of $5,000.

And for people that don’t mind paying a bit more so that they can get the peace of mind they need, there are also optional additional covers that you can take out. They include accidental loss/damage, and increase coverage limits on valuables.

In my opinion, the best part has got to be the fact that you will be entitled for a discount if you are over the age of 50. I think this is a great way to encourage the older folks to purchase a policy.

Next, I was stunned that three different vehicles can be insured under their vehicle insurance category. They include cars, caravans and boats. Regarding the car insurance, I was impressed to see that you are covered for one free windscreen per year on all comprehensive policies, car hire, locks and keys, as well as coverage for baby capsules and trailer. The reason why I think these features are so good is because in a lot of other insurers, these features need to be taken out as extras, which can end up being quite expensive.

The thing I’ve learnt is that your persona life will also be secured as well with travel, mortgage repayment, life and health insurance. I think the most common one would be travel insurance and was impressed to see that if you are already a member of People’s Choice, you will automatically be entitled for a 20% discount on your policy. And believe me, this is a lot. In regards to the things you are covered for, they include all the normal stuff, including things I was surprised to see like camera and video equipment, and also missed connections.

Furthermore, if you have a business, you may also find the business insurance plans offered useful. You can find out more on their website.

People's Choice Credit Union Insurance has been rated 5 out of 5 by Insurance Reviews.

My Cover Insurance Review - Travel

My Cover is a quick and very recommendable travel insurance that lets customers obtain quotes and policies online. I was impressed by the way they listed all their different coverage directly on their website with plenty of explanations beside them. I thought it was very informative that they are able to provide such details straight out.

Individual pages were also available that showed further information. In my opinion, the protection offered by My Cover is great for anyone going overseas, travelling within Australia, as well as people that are wishing to get affordable policies.

The plan with the highest protection and the one I would definitely take out is the comprehensive international plan. As I can see, the cover starts at the time you leave your home, and the time you return your home, which is pretty much reasonable. In terms of the actual cover, it can be bought by Single, Duo and Family, which is good because this includes everyone. I was very pleased with the amount of cover because all of them were pretty high. For example, those that caught my eyes are up to $100,000 for additional expenses, $20,800 for loss of income, and $10,000 for alternative transport expenses. Seeing all these great features, I honestly think your time overseas will be guaranteed to be secured.

If you are deciding to stay in Australia and spend your time away at home, the plan for you is known as Australia Only. It contains a lot less benefits than the comprehensive plan; however it does include unlimited cancellation fees and lost deposits. Again, it can be bought in Single, Duo and Family. In my opinion, the limits for the other features are also pretty high as well, including up to $50,000 for accidental death and $5,000,000 for personal liability.

Now for the very interesting plan, I was intrigued by the name Budget Cover. Having a closer look, I learned that contain three features; three important and essential features, I should add, that should always be included. If you are someone that wants to save on travel insurance and only get the things you need, this plan would definitely be able to save you money. The coverage includes overseas emergency medical assistance, hospital expenses and personal liability.

To finish, the other plan you would likely expect is Frequent Traveller plan. As you may have guessed, the benefits are very similar to a single comprehensive. The main advantage of this plan is that you are able to take unlimited journeys a year as long as each trip is less than 37 days for leisure travels, and 90 days for business travels.

My Cover Insurance has been rated 5 out of 5 by Insurance Reviews.

Defence Bank Insurance Review

Defence Bank Insurance is owned by the bank that started operation in March 1975. They have a list of great products like loans, credit cards, and even investment services, one of them insurance. I was able to access their lists from the top of their website, which I thought was very easy to do.

For all the drivers out there, I am certain that you will be able to benefit from the car insurance offered by Defence Bank. The names of their plans in their product portfolio are pretty much normal by offering things from comprehensive cover all the way to third party fire and theft, and third party property damage.

What really caught my eyes is that several options can be taken out such as Motor Vehicle Insurance Policy, Nominated Driver Motor Vehicle Insurance, and Nominated Driver Low Kilometre Motor Vehicle Insurance.

If cars are not your thing, or perhaps you also drive a motorcycle, motorcycle insurance is something that can offer you much peace of mind as well. The names of the plans are the same as in the car insurance, which I assume that the protection will be similar as well, except it will be for motorcycles, not cars.

Putting aside cars, the next most important thing for many people are their homes, and which is why I was so impressed by the things offered in the home and building insurance. In order to protect your property and building I was glad to see that a list of events are shown where you will be able to make a claim such as flood cover, theft, vandalism, and more. Accidental damages can also be claimed. In regards to contents insurance, the types of protection also come in listed events and accidental damage.

Moving up next is travel insurance. Unlike other brands, Defence Bank only offers comprehensive travel insurance which means you only have one choice to choose from. The key features that I found to be very useful and is glad that are included include things like luggage and travel document cover, overseas medical, hospital expenses, as well as cancellations and delays. I think all of these things are very important to as they offer protection to some of the most stressful things when events turn sour.

Besides all the mentioned policies, the last one that I felt needs a lot of emphasise is loan repayment insurance. Reading through the information page, I found out that it is a great way to make sure your loans can be repaid even if you have died. I think this will no doubt give relief to your loved ones.

Defence Bank Insurance has been rated 5 out of 5 by Insurance Reviews.

Chartis Insurance Review - Car, Health, Travel

At first when I decided to review Chartis Insurance, I did a search for them on Google however was then directed to AIG Insurance’s website, which I guess is their new website, or at least the parent company. So in this review we will be looking at AIG.

The first thing that I figured out is that AIG is mainly a business insurance firm. The reason why I am saying this is because the list of business insurance products listed on their website includes more than 10 different options, including aviation, energy, property, accident and health insurance.

But because most of the viewers of this blog are most likely to be individuals, I will focus my review on that.

I found out that a variety of covers is offered under their accident and health insurance plans. They include things for accidents, and disablements, as well as plans solely for insuring against cancer. Another interesting plan is known as Recovery Cash, and is basically similar to income protection plan. The thing I really like about it is that it can pay you up to $250 a day, up to 90 days, which should more than enough for the policyholder to keep on moving on with their lives while they recover from whatever injury they are experiencing.

Of all the plans, I think the most interesting one is the security plus seniors. As implied, this cover is made for seniors, which is one of the age groups that would most benefit from health care. There are three levels to choose from; Silver, Gold and Premium, however the thing I like about them is that you are guaranteed to be accepted, be able to get a lump sum of cash when you make a claim, as well as a short 14-day cooling off period.

You are also able to protect your health when overseas by getting travel insurance. The selections in AIG’s product portfolio are pretty much common to other insurers with plans like annual multi trip, international single trip, domestic travel, and mature age +70. With just a glace I am sure you will be able to get a policy no matter where you go.

If you think Chartis Insurance or AIG Insurance is something you would want more information on, feel free to visit their website and check out their plans. Regardless if you are after personal or business products, you can be sure to be able to find something that matches you needs.

Chartis Insurance has been rated 5 out of 5 by Insurance Reviews.

TAL Insurance Review

TAL Insurance is quite impressive. They started at 1869, and based on experience this is one of the oldest life insurers I have seen. This can be seen as they have a huge line of products offered, both personal and business products. What really overwhelmed me is that they have won several awards for being the life insurer of the year for 2009, 2011, 2012.

Since we all need life insurance, I decided to look at TAL’s information about them and came out quite impressed. The biggest advantage is that you will be able to get an immediate lump sum when you die, which can then be used to pay off mortgages, debts, investments and even to go towards your funeral. As a whole, I find this is a great way to let your family and loved ones stay safe.

Another product that has been gaining in popularity is income protection insurance. The percentage of your income that you can get is up to 75% of your monthly income, which is pretty average. Basically what I found out is that you can make a claim whenever you become ill, gets injured, or gets caught in an accident that stops you from working.

Similarly critically illness insurance only pays out when you are dialogised with a specific critical illness, which can include cancer and heart disease. According to the scenario on their information page, I learnt that a 52 year old person is able to receive more than $780,000 to help her pay for mortgage and surgery bills. This amount really took my breath away, and seeing that this is something TAL will be able to pay you is something to seriously consider about.

For an even lighter plan, there is total and permanent disability insurance, which is also very recommendable. The first thing that I read is that you will be able to get a payment if you become permanently unable to work due to an accident or illness.

Lastly, there is also business expense insurance for those with businesses. If you happen to someone in this category and is unable to work, this cover will be able to let you pay your monthly expenses to keep your business opened.

To see more information about TAL and the things that they can offer, simply go to their website. One interesting thing that I found out is that you can be a TAL adviser. There are information to how you can do this, all listed on certain pages.

TAL Insurance has been rated 5 out of 5 by Insurance Reviews.

Zurich Insurance Review

Zurich Insurance is a multinational company that I have come across in several countries. Their services reach from products for individuals, all the way to businesses. What seemed very interesting to me though is that Zurich seems to have a lot of emphasise on getting an insurance broker and even provide links to where you can choose a good one which I thought was very useful.

Getting into business, Zurich offers four types of insurance products in their portfolio for individuals.

The NSW CTP Green Slips is no doubt something we would all be familiar with. This is only available for drivers in New South Wales and was created to help protect third parties from injuries. As shown on their website, the advantages of choosing Zurich to get your CTP policy include competitive price, automatically includes At-Fault Driver, and many more.

Moving on, I was very surprised to see the wide variety of different life insurance products offered. This seemed to be one of their main products. I was astonished to see that there are policies for almost every life stages, and all the types of cover you need.

For example I was particularly attracted to their death cover. This is a comprehensive cover that can be used to pay debts and even funeral if you suddenly die. The best feature of this though is being able to get a lump sum benefit. Another plan that I was very interested about was Accident Income and Income Protection. They are both similar and can be used to pay you up to 75% of your monthly income if you are unable to work. I thought the percentage was very high and would definitely be able to help those people in need.

Other life insurance products I was pleased to see offered by Zurich are accidental death, TPD, business expenses and child trauma.

One insurance product growing in popularity is credit card/debit card insurance. The great thing is that a list of card providers are accepted to be insured, including Commonwealth Bank, St George, HSBC and Bankwest among many others. The benefits that you may be able to receive that I thought was overwhelming includes thing like funeral expenses, loss of income, legal liability and more.

For those thinking of moving house, you are going to find the home removals insurance very worthwhile. I really liked the fact that it is suitable for families and individuals moving within in Australia, as well as several selected destinations overseas. Their plans come in Gold, Silver and Platinum.

Zurich Insurance has been rated 4 out of 5 by Insurance Reviews.

Ski Insurance Review - Travel

As we reach into winter, no doubt the group of people that fancies the snow would head up into the icy areas to do some skiing. On company known as Ski Insurance is an insurer that I found to be able to offer complete insurance for people heading to the slopes. Judging by their website, they are owned by 1Cover and issued by Allianz. If you know your acts, you would know that these two companies are two of the most well known in Australia.

Also, at the bottom of their website was a logo that showed their website has been tested daily to ensure it is hacker-free. I thought this was a great way to give customers a peace of mind that they are buying from a trusted source.

Through my eyes it seems to me that all their covers automatically includes ski related coverage such as features for snow ski equipment hire, ski pack, piste closure, and bad weather closure.

There are four plans to choose from; Annual, International, Domestic and Professional, however for some reasons the page that lists the cover summary only showed Single Trip And Annual Multi-Trip, and Australia Only Trip.

Anyhow, I was still particularly impressed by the things you will be able to get out of the Single Trip And Annual Multi Trip plan. The most important thing is that a policy can be taken out by Single, Duo and Family Cover, which means everyone. I was also pretty happy with the excess because all the features that had excess were only up to $100. Single and Duo almost have the same claim limits, and Family’s limits are almost twice as much as everything the first two covers offered.

Furthermore, I was very impressed to see that unlimited covers are included for overseas hospital, emergency, cancellation fees and emergency rescue. The claim limits on the other hand, are also very impressive. You can get up to $100,000 for additional expenses, $10,000 for luggage/personal effects, and up to $500 for domestic pets.

In the next plan made for domestic travels, again a cover can be bought by Single, Duo and Family. The disadvantage is that there are several things not included in this policy such as travel documents, credit cards, alternative transport expense and domestic pets. However, the advantages is that for the things that are included, several of them have unlimited coverage like cancellation fees and emergency rescue. It is actually pretty uncommon for domestic plans to have unlimited features, so seeing the opposite here is actually something to be glad about.

Ski Insurance has been rated 4 out of 5 by Insurance Reviews.

On Tour Insurance Review - Travel

On Tour is actually the name of the travel insurance products offered by AIG Insurance. I found this out when I clicked on the link to see more about the insurer and was then directed to the AIG website. Besides this fact, it is also written that they are distributed by eIBE.

On Tour’s product portfolio contains three different policies, intended for people traveling within Australia, internationally, as well as for those over the age of 70.

The plan that stood out to me the most is the international plan. But first of all, I should be clear that this plan is also known as the Frequent Travellers Aged Under 70 Years. So as the name implies, it is only available for people under the age of 70.

Policies can be bought out as single cover, family cover, or an annual multi trip plan. The benefits include unlimited cancellation fees, overseas medical and emergency expenses, which are pretty common. However some of the things that I found to be very unique were Home help, Financial default and Travel agent fees. These are things I have not seen before and thought would surely be very handy if something bad was to occur.

In regards to the domestic plan, again it is only for travellers below the age of 70. Single and Family cover can be taken out. The downside to this plan compared to the first plan is that it does not have any unlimited features, but considering that this policy was made for domestic trips, you wouldn’t really need any unlimited features anyway. Some of the features that I were very impressed though were luggage protection with a limit of up to $6,000, special events protection of up to $4,000, and many more.

And lastly, the third plan is the one made for traveller over 70 year old. To why this is the case remains a mystery to me, but in my opinion it probably has something to do with the higher risks matured travellers can attract, and therefore by separating the plans, policies would be able to be cheaper.

I thought it was very beneficial that this plan covers international travel, and contains things very similar to a single international plan. Examples of benefits are legal liability, rental vehicle excess and travel delays.

So no matter if you are going to Canada, Czech Republic, Finland, Malaysia, Korea, Italy or even the United States, On Tour is a company that you can surely rely on.

On Tour Insurance has been rated 4 out of 5 by Insurance Reviews.

Health Care Insurance Review

Health Care Insurance, also known as HCI, is a company that offers great health protection for families, couples and singles, as that was the impression I got when I reached their website. Looking into their history, I learned that they started out in 1938 as a value health cover that is not-for-profit. Another thing to note is that they are a company limited by guaranteed and governed by directors chosen by members.

The best thing about Health Care is that they have set out plans to match the different needs of each life stage. I found this to be very useful since they would have very likely calculated the likelihood of the features needed so ensure each of their policies include protections that are most likely to be used.

The first plan is made for families. Obviously, it is designed for you, your partners, and children as long as they are not married. The other plan is for couples, and this was made especially for people that are hoping to start a family in the future. The flexibly included in this plan are all very impressive. And lastly, the third plan is for singles. It includes all the things important to people like you, where you can combine Extras and Hospital, or only take out one.

Now in terms of the actual things you will be able to benefit in a hospital cover, I can say that it includes all the things that will give you confidence. For examples, some of the features that got me overwhelmed includes getting up to 100% of the cost of hospital accommodation, theatre fees, surgically implanted prostheses, hospital prescriptions and many more. Also, you are able to choose your excess option level, which I thought is a very good thing. Your excess can be as low as $250 and high as up to $2,000.

For those interested in getting extras cover, there are three options; Premier, Essential and Select. As implied, the Premier offers the most things. Some of the benefits that I thought would be very worth wile to mention are dietetics, eye therapy, funeral, hearing aids, psychology, quit smoking programs and even travel and accommodations.

For those that wants to get the best protection, combined packages are also available under different packages.

After going through everything offered, I am pleased to say that Health Care Insurance had surely proven their quality. If you would want to see what they have to offer, feel free to visit their website.

Health Care Insurance has been rated 4 out of 5 by Insurance Reviews.

Chi Insurance Review - Travel

Chi offers travel insurance underwritten by Allianz, one of the most well-known companies in Australia, not mentioning the most trusted as well. However the one thing that really caught my eyes is that it is stated on Chi’s website that they are one of the oldest travel insurers in Australia. Whether or not this is true, I don’t know, however if it is true, it would imply they would have many years of experience in the industry and would therefore be able to issue quality policies. On the side note, I do see that they have a list of attractive plans that travellers will be able to choose from.

One way to prove that Chi really cares about their customers is that they have a list of updated travel news on their website that may affect people going away. They include information about airport closure, government shutdowns, as well as natural disasters like earthquakes and floods. I found this feature to be very useful and would no doubt benefit their customers in more ways than they can imagine by helping them avoid possible unfortunate events.

Plans come in two categories; Traditional and Basic. And under each of them included further plans such as comprehensive, domestic, medical & liability, frequent traveller and more. One reason why I thought this was attractive is that there would be a high chance you will find a cover to suit your needs, and also because there are so many choices, you can also be guaranteed to be able to find a policy that is affordable.

For example, I discovered that getting a Medical & Liability policy would be a great way to get an affordable policy and only be insured against the things more important to you; your health and liability.

Regardless which plan you choose, the summary of benefits are all pretty similar. This was evident inside their brochure PDF that I downloaded from their website. Some of the features that I found to be very worthwhile are travel services provider insolvency, additional expenses, loss of income, luggage and personal effects, delays, and many more.

In terms of pre-existing conditions, I was happy to see that Chi have provided a list of pre-existing medical conditions that may be covered. The list includes eczema, hay fever, rosacea, gastic reflux and many more. It is not every day you will be able to find an insurer that offers such an extensive list.

Chi Insurance has been rated 4 out of 5 by Insurance Reviews.

SGIC Insurance Review - Car

In search for a one-stop-shop insurance provider, I came across SGIC Insurance. Going through their products and services, I was impressed at how they made insurance protection simple and easy to understand. Getting into details, I see that getting a quote, paying premiums and processing claims are as easy as 1-2-3. Their customer service team supports all queries and for me this counts a lot.

There are downloadable policy booklets that one can refer to regarding details of a policy, how premiums are computed, discounts, and everything else a client may need to know. I checked the stability of this company and found out that SGIC is part of Insurance Australia Group (IAG), a very prestige organisation which is operating in Australia, New Zealand, UK and Asia.

SGIC’s car and motorcycle insurance product portfolios were amazing. You can choose from basic to the most complex coverage that can secure you and your family’s safety as well as third parties. I like the way they presented the different features of each vehicle insurance products so the choice will be easy to decide.

I would give a high praise on Veteran, Vintage & Classic insurance. This product allows you to insure old cars. Comprehensive plus is also a recommended product as it has unlimited hire car in circumstances when your car is stolen or damaged.

SGIC’s boat insurance is one of the best insurance coverage you can get for your precious boat. Your precious possession can be safe and secure in water. And this is what you want in order to have a peace of mind.

Caravan and trailer insurance products are a must-have for persons or business institution. While these vehicles are in the field, proper insurance coverage should be in place and SGIC makes sure they provide coverage per needs. On-site caravan, touring caravan and trailer insurance covers accidental death among the few features in it. Theft is also one of the common incidents on these large vehicles so I was glad SGIC included it.

I do believe that securing our home from calamity is a must and SGIC’s home insurance products are just perfect. Whether you own a home, rent or are a landlord, SGIC has insurance coverage that will protect your property in any option you want. It’s like tailored fit for you. Home building, contents, building & contents and home plus insurance are just a variety of insurance coverage that you can look at. If you are just renting, renter’s contents insurance is just right for you. Landlords also can get coverage through landlord insurance. In any of these choices, SGIC makes sure you get the protection you desire.

If you are engaged in a business, it is better if you can get insurance coverage that will protect your business from unexpected circumstances. SGIC offers different insurance products that will support the business protection we desire. Retailers, hospitality, professionals and financial services, home business, farmers and motor traders insurance are available product, which as you can see is a lot.

Travelling is fun and to complete the security of it, SGIC has the best travel insurance plans. Whether you do your travel for personal or business reason, you can always rely on SGIC’s travel insurance products. I was glad that several plans are available, depending where you are going and the level of protection you are seeking.

SGIC Insurance has been rated 5 out of 5 by Insurance Reviews.

RACV Insurance Review

RACV is one of the insurance companies in Australia. Looking at their product portfolio, I am pleased at how they have designed their insurance packages to suit their clients’ needs and budgets. On top of their best customer service are plenty of discounts, and premium payment can be made on a monthly basis.

Car and motorcycle insurance are one of our must get insurance product as we are in our vehicles more than half of our times. You may like to get coverage from basic third party property insurance to a complete care comprehensive insurance. But the best option I suggest is to get the complete care insurance as it is a total protection package which includes, but limited to, car hire when accident or theft incident happens. And RACV makes sure your pets inside your car will also be taken care of. Another good product is the third party, fire and theft car insurance. It provides market value coverage of your precious vehicle. Your old cars as old as 1919 models can also be insured through veteran, vintage, and classic vehicles which I thought was very great.

As we invest our money and memories in our home, RACV provides home insurance products that will take care of our beloved homes and anything in it. RACV makes sure that both our home and the contents inside can be insured though their combined home buildings and contents insurance, which I honestly think is worth the premium payment. Did you know that landlords can also get landlord insurance? This insurance covers rent default and continuous rental income should the house ever be livable due to damage. Renters can also protect their belongings by getting the renter’s insurance.

Travelling can be so stressful however RACV has the right travel insurance product to fit our every travel. Whether you travel locally and oversees, RACV has domestic and international insurance you can get. If you are a frequent traveler, SACV also has this annual multi trip insurance for you.

Farmers and their properties can also be insured at RACV through farmers insurance. This insurance caters the specific needs of farms. The farmer can insure his farm, machinery and house and contents within the farms premises which I believe can give a complete peace of mind.

Caravan or trailer insurance and boat insurance are also available. These precious possessions need to be covered as well from natural calamities, theft and other deemed disasters. For your caravans, the coverage can be on a moving or stationary vehicle through a touring caravan or trailer insurance and onsite caravan insurance. RACV makes sure it has the right insurance for you.

RACV Insurance has been rated 5 out of 5 by Insurance Reviews.

RACQ Insurance Review

RACQ is Queensland’s best insurance provider as per my research. I was interested with the insurance products they offer and learned that this company makes insurance payments flexible as you can pay in monthly mode.

In any of their insurance products, they cover for events like flood, fire, storms, cyclones and other catastrophic incidents. Once an RACQ member, you are privileged to different discounts and freebies. Most importantly, you get assistance 24 hours a day, 7 days a week through their call center agents.

RACQ protects our cars through their wide range of car and motorcycle insurance products. Their comprehensive insurance is most recommended as it covers you and third party damages at the highest coverage and gives up to 15% discount on premiums paid. The third party insurance and compulsory third party insurance (CTP) are available as well for third party insurance coverage.

You have an option to include on the coverage fire and theft incident through their fire, theft and third party insurance and I salute this feature. But what I liked most is the classic, vintage and veteran vehicle insurance. This makes sure my old cars also get protection.

Another good product of RACQ is the unique vehicle insurance. This is recommended for car savvy vehicle owners who spent much on re-modeling their cars for beauty. In any choice you make, RACQ makes sure you get the highest customer service they can offer.

Protecting our home should be one of our priorities and RACQ has a wide range of home and contents insurance to offer to us. If the protection you need is concerning your home only, you can get the home insurance product. However, I strongly recommend you to get the combined home and content insurance. And even if you are just renting, you can still get the renters insurance to protect your belongings. By the way, I also noticed that RACQ can give insurance protection to our pets through pet insurance. This insurance can be bundled with home insurance.

RACQ also covers caravan and trailers through their caravan insurance. Owners of caravans, camper trailers, horse floats or box trailers should think of getting this insurance coverage for protection. In any way, these vehicles cost is very high and losing them through accident or catastrophe is just not worth it.

Boat insurance is also available at RACQ. RACQ understands that protection to boats is very important especially when it is on water, either for pleasure trip of owner or business dealings.

Body corporate insurance from RACQ covers damages from buildings, common contents and legal liability insurance. I recommend businesses to have this coverage.

RACQ also has products to protect us while we travel through their travel insurance products. There are choices from affordable essential international insurance through an expensive but fully loaded coverage from premium international insurance. If you travel frequently and have already scheduled your 12 months trip, RACQ can offer you coverage through the annual multi trip insurance which is cheaper.

For local travelers, RACQ has domestic comprehensive insurance. What makes RACQ unique was that they also have domestic cancellation and it saves a lot of money getting this coverage.

If you become an RACQ member, you can avail many discounts and assistance like airport parking, accommodation, driving oversees and many more. I really recommend you check this company for any insurance needs you may have.

RACQ Insurance has been rated 5 out of 5 by Insurance Reviews.

MLC Insurance Review - Life

For your full insurance protection needs, be it life or non-life, I recommend MLC as it is the best provider of products and services. As I ran through their products and their 120 years of giving Australia their insurance coverage, my confidence in dealing with this company strengthened.

MLC Insurance is offered with a variety of product portfolios. One great product is their life cover insurance as it is a complete insurance package for life protection and covers terminal illness and accidental injury among its few features. MLC also has the critical illness and total permanent disability insurance which tackles and handles coverage when an insured gets sickness. Optional coverage can be chosen depending on budget. Accidental death is one we cannot predict and MLC has this accidental death insurance to protect us financially if we die through an accident.

Another MLC great product that caught my attention is the income protection insurance as this covers earning replacement if you cannot go to work due to illness or injury. This can come with the child critical illness insurance which helps to protect your finances if your child gets sick and dies.

For businesses, MLC has the business expense insurance that allows reimbursement of expenses if one is unable to work. If you want to keep your insurance even if you’re disabled and cannot work and cannot pay the premium, MLC’s premium waiver insurance is the right product for you. It waives your premium payment until the age of 65 if you are disabled, and until 12 months if you are retrenched from work. Medical practitioners are also considered by MLC in designing their insurance products. Occupationally acquired HIV and Hepatitis B or C infection insurance is available.

MLC is engaged in providing loan insurance products to its clients. NAB mortgage protect will be a good choice in protecting your mortgage repayment in case you die, become disable or retrenched from work. The MLC personal loan cover is for coverage of outstanding loan balance of maximum $80,000 and loan repayments of $5,000 if you are disabled or unemployed. On both products, it is commendable that MLC do not require medical exam or age limit. Acceptance of your policy is automatic.

General insurance products for your home and car are also available from MLC. What impressed me is that MLC allows you to cover home and contents through their home and contents insurance. Car insurance for our treasured cars is also in the list of widely acquired insurance from MLC. And residential investor’s insurance can also be availed.

If you are dealing with groups of people in your organisation, MLC can cover your entire team through its group insurance products. There is a wide range of coverage that you can choose from depending on your budget and desired coverage.

Nowadays, finding a reliable insurance company is difficult. But I tell you, choose an insurance company that has been in the insurance business for the longest time as this will prove their credentials. And MLC has lived with this portfolio of length of service and customer satisfaction. To MLC, I salute your team.

MLC Insurance has been rated 5 out of 5 by Insurance Reviews.

Auto And General Insurance Review

Auto And General Insurance offers more than what you can expect. I realised that they have gone out of the traditional approach of car insurance by taking into consideration the specific needs of their clients and have customised their products to the way their clients would like them to be.

I personally praise their uniqueness to a high standard, not mentioning their low cost premiums compared to other insurance companies with the same product portfolio. Giving a wide range of product portfolios that is tailored fit in the category of car insurance and home and contents insurance, I can say that Auto And General is a company we can rely on.

Auto And General makes their car insurance products fit to every client. They still offer the traditional comprehensive, third party property and third party fire and theft insurances we are all very familiar with. And depending on the insurance coverage you want, Auto And General will be able to support our car insurance needs.

But what I learned and became very impressed by was that Auto And General provides specific car insurance products for women and retired clients. The insurance premium of them is lower compared to standard male and non-retiree covers which I though was very unique. Additional options are also available to be attached to the insurance policy to make it more tailored.

Home and contents are very important to us and Auto And General’s home and contents insurance are perfect for this coverage. It is good to know that this insurance product covers protection for homeowners, renters and investors. Options for additional coverage are also available to be attached onto the policy. By this, clients will be able to feel secured that the coverage they need is what they get.

One thing I was overwhelmed by was Auto And General’s replacement value calculator. This gives them a high mark in terms of accuracy that can answer estimates for clients relating to their homes and contents’ value to cover. The express building calculator calculates roughly more but the client has to answer some short series of questions only to come up with an estimate of value.

Comprehensive series of questions must be answered by client in order to do calculation. Contents calculator is also available to give accuracy of value of house contents. Appliances and other furniture and any other belongings inside the house can be included on the calculation. It’s really very cool.

If you would want to see more of Auto And General, feel free to head over to their website.

Auto And General Insurance has been rated 5 out of 5 by Insurance Reviews.

TIO Insurance Review - Car, Home

TIO Insurance is a bit different from your normal company. What I first out about them is that they are owned by the Northern Territory Government. The advantage of this is that TIO is guaranteed by the Government to make sure that all operations comply with the standards, meaning you can be sure you won’t get ripped off and that you will be treated fairly.

What’s good about TIO is that they offer insurance products to both personal and business customers. Business products can include workers compensation, business insurance as well as trades pack and rural business pack.

I think most people will want to know more about the personal products in this review.

The most popular got to be car insurance, as we all drive, so why not get it from TIO? I saw that there are three types of cover that you can select from, ranging from the usual names. If you want to make sure you get the peace of mind with the highest protection, the Comprehensive cover would be the one you should worry about.

I was overwhelmed with the amount of things included in the cover. The list includes accidental loss/damage, emergency repairs, emergency accommodation, fire cover, theft cover, no claim bonus protection and heaps more. Most importantly, you can also get towing, transit cover and cover for personal property.

Following this, the next thing important to many people is home insurance. I particularly like their Premium Cover because it includes accidental damage as well. I was glad that the benefits include replacement for building, new for old for contents, as well as coverage for a range of events such as cyclone, flood, storm, earthquakes, lightning and many more.

One thing I thought to be very useful is that valuable items can also be insured. This includes loss to home, jewellery and many more.

If the house you own is not the home you live in, TIO also offers landlord insurance.

For many people, boats are their hobbies and therefore getting boat insurance is a must. The impressive thing is that TIO covers damages that occurs ashore, in transit and even when they are afloat on inland or in costal waters.

Besides the mentioned above, TIO also offers:

  • Strata title insurance
  • Croc attack insurance

I was particularly curious about the process to make a claim. Doing a bit of learning, I found out that there are three ways to make a claim, which I thought were very easy. You can do so online, call their hotline or visit a local branch.

TIO Insurance has been rated 4 out of 5 by Insurance Reviews.

NIB Insurance Review

I am certain that many people would have already heard of NIB Insurance. I have seen their commercials about the importance of having your health insured, and just lately, I realised they also have apps that you can download onto your smartphone. This gave me the impression that NIB is genuinely here for you, and seeing the fact they have kept up with technology means they are still as powerful as ever.

In their health insurance, hospital and extras can be taken. The biggest advantage with getting a policy is that you can stay in a private room and get the peace of quite you need, have the ability to choose the specialist that treats you and decide when you will be treated. Plans fall under three life stage; Singles, Couples and Family that are all priced accordance to what each life stage would likely need.

Seeing that most of the readers of this blog would be single, I was glad to see that the basic hospital cover with bundles extras only starts at $16.86 a week. As being single, I honestly believe this is a great price that many potential customers will be able to purchase.

Life insurance is also something else that you can be sure to get the best quality policy of. Similar to health insurance, life insurance enables to get paid when you are critical sick, disabled or even if you pass away. Plans include funeral insurance, life insurance and bill relief.

The thing that really caught my eyes involve around the fact that up to $15,000 can be claimed in the funeral cover insurance. Most importantly, it is written on their website that claims are usually paid out with 24 hours of processing a claim, which I thought would be very helpful. Other advantages include the cost of just $2.31 a week, no tests to do and a 30 day money back option.

For their life insurance, up to $1,000,000 can be covered. I was impressed that it was a worldwide cover feature meaning you won’t have to worry that you won’t get paid if you died in another country.

Now for those people that are thinking of going away, NIB also offers travel insurance. Covers that I thought could deemed be very useful are travel delay, lost passwords, overseas medical, as well as liability cover and many more. One reason why I thought being with NIB is such a great idea is that if you are an existing customer, you will be able to get 10% discount.

NIB Insurance has been rated 4 out of 5 by Insurance Reviews.

Macquarie Insurance Review - Life

A lot of people have asked me about Macquarie Insurance. As we know, they are a big banking company in Australia and in their insurance sector; I saw several products made for personal customers, as well as businesses.

Frankly, the first type of cover is life insurance. Having a quick glance over the features and benefits, I was surprised that they allow multiple claims to be made in the life of the policy. This means you can be sure no matter how many times you get a serious health problem, you will be able to rest assure that you will be able to get a payout. I was happy to see Macquarie offers income cover, child cover and additional death cover.

Moving into personal insurance, a lot of the cover enables you to protect your unique lifestyle. I was impressed by the way that all policies are comprehensive, and will be able to offer you solutions like life term cover, trauma cover, critical illness cover, and even income protection and TPD.

The advantages of seeing all these features mean you will be able to keep your children educated by having the money to pay for their education, be certain that you will continue have income flowing in, pay for medical expenses and many more. Basically put, I was overwhelmed with the long list of benefits.

Have credit cards? Macquarie makes you will be able to pay your debt when something unexpected happens. This cover is ideal for people that have ever wondered what they would do when they are unable to pay their bills. The attractive things for being insured is being able to have the money to pay back your credit card payments if you die, lose your job, or become unable to work because you are too sick or injured.

In order to apply though, you must be an Australian resident, which I think is reasonable. The next criteria is that you must be between 18 and 65 year old. Through experience, this age span is considered normal as it is usually these ages where people will need to make the most claims.

So after reading this review, if you feel that Macquarie Insurance has something you really like, I say to go for it. You can either give their hotline a call, or you may request them to call you back. Finally, make sure you download their FSB and PDS from their website so you can have a better idea of what you are covered for.

Macquarie Insurance has been rated 4 out of 5 by Insurance Reviews.

Latrobe Health Services Insurance Review - Health, Travel

Latrobe Health Services gives you the freedom of choice. That was the fact I came across as soon as I landed onto their website. Quickly, I was transfixed to their idea that they are a not-for-profit health insurer, and furthermore, seeing that they were founded way back in 1951 is something to take into account. This could only mean they are doing something right to explain their long history.

Unlike other companies, the unique aspect about Latrobe Health Services is that they have an option to join without the need for paper. This means you won’t have to worry about filling in forms. The advantage of this means you will be able to get a cover easily without the need to worry about the placement of your documents.

Similar to most health funds, the products offered are pretty much expected. The only different though is that they are categorised by life stages.

The life stage with the most protection is Family. There are options that you can either take out hospital or extras. Looking through what was offered, I was amazed with the features inside the Family Top Hospital plan. Coverage in this plan includes day procedures, rehab, major surgery, private/shared room and many more. In my opinion these are all great features that would surely come as helpful. For more things, you can also get Extras.

The next life stage under Family is Couples. Again, I thought the highest plan was the most attractive. The things included are pretty similar to the Top Hospital Plan in the Family plan, except the price may be different. The important things that couples may be interested in are things like assisted reproductive service which is great for couples looking to have children. There are also some very useful things like 365 accommodating cover.

The third life stage is fitted under Singles. For those that are unsure, this plan is made for one person. This person can be living alone or with someone else, such as their parents.

On another note, I also saw the offering of travel insurance. I thought it was great that a health insurer would be offering such product since in most cases our health can have the most impact when we are away from home. I was glad to see that international, domestic and annual multi trips can be covered. Also, it seems the policies will be offered by QBE, a company they have partnered with.

Latrobe Health Service Insurance has been rated 4 out of 5 by Insurance Reviews.

GU Health Insurance Review

The speciality of GU Health Insurance is that they have customised and made their policies to fit different corporation. All their products are aimed primary at companies and the employees working in them, however there are some circumstances where individual membership can also be offered. Looking at their history, it is interesting to see that in 2005 they merged with Australian Unity to provide healthcare, financing services and many more to over 500,000 people.

Having gone through everything on their website, I realised that all policies are tailored to fit the need of each organisation before they are written. This means every customer will get different coverage. Taking this into account, I actually thought it was a great way to ensure all policies issued will benefit the needs of the customers, since organisations come in different sizes, shapes and industries.

Generally speaking, you can expect to get hospital cover and extras covers.

I went through their website and came across a listing of benefits that can be obtained from GU Health.

You are free to choose the practitioner. The practitioner can be anyone as long as they can verify their qualification, and you will be able to make a claim and enjoy the health service without the expensive cost. I think this is one of the most important aspects to look out for when taking out insurance.

Unlike other corporate health funds, if you, the employee leaves the workplace, you will still have the chance to be insured. This in my opinion is a great way to ensure your health stays in the top shape, and I really recommend everyone to remember this point when considering GU Health. For those wondering, I read that the employee will have a chance to take out an individual cover.

Thirdly, the thing I felt is worth mentioning is that GU Health also has this program to make sure the company stays well. I was glad to see that a corporate wellness program is included in their policies and that it can help assist in treating several risk factors.

If you happen to be an employer or even an employee looking for health insurance, GU Health in my eyes would make a perfect fit. After going through all they offer, and learning about their benefits I am confident to say that GU Health is really one of a kind, and would no doubt offer the peace of mind any corporation would need.

GU Health Insurance has been rated 4 out of 5 by Insurance Reviews.

Zuji Insurance Review

Zuji Insurance is operated by a travel firm that we have all come to know. They have traditionally been able to provide flights, hotels, holidays, car hire and now insurance as well. As I can see, it is designed for travellers heading to anywhere in the world.

Four different covers exist under four different plans. Some of them are very traditional while the rest are very innovative.

Now, the first plan is split between Comprehensive and Australia Only insurance. The comprehensive is made for international trips, and includes all the things that are offered in the domestic cover. To start off, I was glad to see that several important features offer unlimited claims like cancelation fees, medical emergency and lost deposits. Regarding the other features, I was also impressed by their high limited rates, like $50,000 of additional expenses, $5,000 for travel documents, credit cards and traveller cheques, $250 for theft of cash and many more.

Moving down the list, I found that, literally speaking, all the journeys you take in a year will be able to be insured with the Frequent Traveller plan. The period limit for each trip is 37 days for leisure and 90 days for business travels, which I think is a very reasonable amount. Looking at the features included, they are very close to the things included in the comprehensive cover like unlimited cancellation fees, lost deposits and overseas emergency costs.

Now let us move onto the more special plans that are not commonly seen.

Medical Protection is to only cover you against injuries and illness if you are going overseas. The benefits that you will get are overseas medical assistance and expense, accidental death and personal liability. The downside is that it does not offer protection for things like lost luggage and delays. The upside though is that you will get a cheaper premium only having the most important thing, your health, insured. I think this is one of the best budget policies out there.

And to finish, there is also another plan called Cancellation Only, and that is what it covers. This is the cheapest of the cheap and only covers for cancellation. The advantage with this plan however is that it can be used for both international and domestic trip, and not to mention the minimum amount you will need to pay for the cover.

To see how much you can save and the amount of protection you can get, feel free to visit Zuji’s website now.

Zuji Insurance has been rated 4.5 out of 5 by Insurance Reviews.

Westfund Insurance Review - Health

There is nothing better than having your health insured by Westfund since they are an Australian member-owned company. This means their core motto is to provide services that are simple to deal with and comes with great premium rates. Most importantly, it is written on their website that every member is treated as an individually, something I thought was glad to know.

Now onto their health plans, there are actually a few to choose from.

To start, like most heath funds, their first prized cover is related to hospital. Westfund offers two products known as Hospital & Extras Cover, and Hospital Only Cover. It should be simple enough to see that the first plan offers the most benefits, and would be something I would check out first.

Under the Hospital & Extras Cover are even more levels to choose from, the top plan known as Platinum Extended. The things I love about this plan are that it can be used to include children between the age of 18 and 25. What really got me going is that there are no excess, no co-payments and no exclusions for in-hospital treatment, which I thought was a marvellous thing. Other benefits that you will be able to enjoy are physiotherapy, complementary therapies and more.

If for some reason you don’t want to take out both hospital and extras covers, you can also take out only one of them. Again, they have their own further plans.

One important thing that I was glad that was offered by Westfund is Ambulance Cover. This is a very serious coverage that I think everyone should get to ensure they can be treated on time if they are in need of medical care that is unexpected.

Finally the thing that stole my attention is that there are also plans for overseas cover. The implication of this plan is for Subclass 457 visa holders to get the health cover they need, which is compulsory by law. Three different packages are available to be chosen; Platinum Overseas, Gold Overseas and Hospital Overseas. The things you can get are very similar to the Hospital & Extras cover except it is for visa holders.

To see more information about Westfund and even have a comparison between all their plans, make sure you visit their website. If you need some assistance choosing which policy to obtain, there is also a line that you can contact. Or simply use their online form.

Westfund Insurance has been rated 4.5 out of 5 by Insurance Reviews.

Phone Insure Insurance Review - Mobile Phone

Phone Insure is one of the few companies that were created to look after your phones and other gadgets. The first thing that got me hooked is their premium that starts at around $7 a month, adding up to less than $100 a year. The benefits of choosing Phone Insure are also very apparent.

First of all, it is stated that their premiums are certain to be the lowest price. To prove this point, I was overwhelmed that they have a policy that if you show them a better price from another company, they will lower their price by 25%, which I think is a very high percentage. Secondly, the next thing that impressed me is that when you make a claim, you will be getting a brand new replacement, not something that had been refurnished.

I looked at the things they insured and found two products.

The most obvious ones are mobile phones, including smart phones, iPhones and Android. What I found interesting and desirable is that a policy lasts for $12 months and includes full coverage for theft, loss and accidental damage. Based on personal experience, these three events are some of the most common ways a phone can be damaged or lost, so seeing that they are all covered under a reasonable price is something to not take lightly.

The other items that can be insured are tablets. This includes iPads, Samsung tabs, Android tablets and many more. Again, the protection features are very similar to those of mobile phones. You get a comprehensive protection against theft, loss and accidental damages.

At the time of trying to get a quote, I saw that there is an option to enter a promotion code. This means there is a chance that you don’t have to pay the full price, making your premium go even cheaper.

Depending on what happens to your handset or tablet devices, there are separate ways to make a claim. If your device gets lost or stolen, you will need to provide things like your IMEI, a police reference number and more. On the other hand, if your item is damaged then you will need to download a claim form and then send it to them. The good thing though is that it is written on their website that it usually takes two business days to progress the claim, which I think is a very short period of time.

Phone Insure Insurance has been rated 4.5 out of 5 by Insurance Reviews.

GE Money Insurance Review

GE Money Insurance offers insurance solutions as part of their day to day finance services along with credit cards and loans. They have expertise in Australia and New Zealand, serving more than 3.1 million customers. They can be found through several branches, partners, brokers and even the internet.

Judging by their website, there are currently about four products to choose from. They range from everyday products to more credit related ones.

There is no saying that car insurance is something we all want to take out, and with GE Money you are given three different covers to choose from. Through my eyes, the names of the three covers are very similar to most other car insurers; Comprehensive, Third party property, fire and theft, and Third party property only. I think for drivers that want to lower their road risks as much as possible, the comprehensive cover is the one to choose because it includes everything that a decent person would need, including benefits that are not available to the other plans.

To prove my words, some of the things that really got me overwhelmed are lifetime guarantee on repairs, new car replacement, accommodation cover and no claim discount. What I love about GE Money is that they even offer optional benefits such as windscreen excess reduction and roadside assistance to give you more coverage.

Did you know that GE Money’s travel insurance has won Canstar’s award for being the outstanding value? This definitely opened my eyes about their products. What really impressed me is the fact they offer all the comprehensive coverage for things like baggage and personal items, liability, medical expenses and more. Policies can be bought in single or multi-trip under individual and family rates.

Coming to the more credit inspired policies, the first one is personal loan insurance. The thing that I like about this plan is that you will be able to make a claim if for some reason you are unable to repay your debts. Examples of events that I found to be very useful that you can make a claim is when you lose your job that was not your fault (involuntary unemployment cover), you are sick/disabled, or if you die.

The next product is known as credit card insurance, and is used to protect you from unexpected events. The thing that I found very interesting is that a policy will protect you from your purchases if you paid for it using your card, or if you are unable to pay back the amount you owe due to unforeseen circumstances.

GE Money Insurance has been rated 4.5 out of 5 by Insurance Reviews.

Central West Health Cover Insurance Review

Central West Health Cover, I found out, is a regional health fund that caters for the special needs of people that are living outside metropolitan areas. Looking at the overview on their homepage, there are six different covers that you can choose from.

First up, you can individually get hospital and extras cover under two plans; Comprehensive Hospital Cover and Extras Cover. The first plan is great for singles, families and couples because it has a wide range of hospital services. The best thing about this cover as I can see is that it pays 100% of the costs of a private or shared room as long as the hospital is one of the contracted private hospitals, or if it is a public hospital.

The other plan that only offers extras cover comes with more than 20 features, which I thought are all very useful with things like major dental, dietetics, ambulance, podiatry, optical and many more.

If you are someone that wants the best of both plans, the highest plan that I saw that I was really impressed by is known as Comprehensive Hospital & Top Extras Cover. Going through the things included, I figured it would be great for members that want to saved money because I learnt that under this plan, you won’t have to pay excess for overnight hospital stay, but at the same time, you want to control when and where you receive hospital treatments, and who you will be treated by. In terms of Extras, you can be sure you will be able to get the best coverage for things like pharmacy, general dental, home nursing and plenty more.

While browsing Central West Health Cover’s website, I was surprised to see some special plans designed for different life stages. The first one that caught my eyes is a plan known as Young & Healthy Cover. The thing that impressed me is that it includes all the things that are likely to be used by young people, and remove things that are not likely to be used. The advantage of this approach is that premiums will be cheaper and more specially tailored.

The other plan known as Family Health Cover also has a similar approach, but for families.

When it is time to claims, there are different ways to which you can lodge your application that depends if it is for Extras Cover or Hospital Cover. Both of them include downloading and printing a claim form that needs to be filled in.

Central West Health Cover Insurance has been rated 4.5 out of 5 by Insurance Reviews.

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