Cover catalogue
Insurance cover types in Australia
Use cover-type hubs to learn what a product family usually does and which rows you must align before you look at price. Availability, eligibility and wording differ by insurer and state. None of these hubs is a quote or a recommendation.
Motor
Car insurance
Comprehensive, third party, and the questions that matter more than a headline premium.
Property
Home insurance
Building cover, flood and storm wording, sum insured, and underinsurance risks.
Property
Contents insurance
What “contents” usually means, portable items, and renters versus owners.
Property
Landlord insurance
Loss of rent, malicious damage, and how landlord policies differ from owner-occupier cover.
Health & life
Health insurance
Hospital versus extras, waiting periods, and pre-existing condition rules in general terms.
Health & life
Life insurance
Term life, TPD and trauma — and how income protection is a different job.
Health & life
Income protection
Waiting periods, benefit periods, and what “unable to work” definitions can change.
Lifestyle
Travel insurance
Medical cover, cancellation, adventure sports, and destination-specific traps.
Lifestyle
Pet insurance
Waiting periods, annual limits, benefit percentages, and pre-existing exclusions.
Business
Business insurance
Public liability, professional indemnity, and the questions sole traders should write down.
How to use this catalogue
Pick the hub that matches the event, then apply the same four-step order we use on how to compare: name the event, collect the PDS, align the mechanics, then rank premiums you were quoted.
Do not collect one price from each tile on this page and call that a market scan. These pages do not have prices.
Property
Home, contents and landlord insurance answer different occupancy questions. Owner-occupiers often need building and contents as a pair or a package. Renters usually need contents, not the landlord’s building. Investors need landlord wording for loss of rent and tenant-related damage — a standard home policy is the wrong document.
The property cluster is where underinsurance and flood versus storm wording do the most damage. Read those hubs before you argue about a renewal increase.
Motor
Car insurance is the product Australians most often shop as if it were petrol: cheapest bowser wins. Comprehensive, third party property, and fire-and-theft layers are different promises. Listed drivers, business use, and stacked excesses are how two “comprehensive” quotes stop being comparable.
Health and life
Health, life and income protection are YMYL-heavy. We stay conservative: waiting periods, definitions, and government explainers. We do not tell you whether you should hold private hospital cover or how much life cover a household “needs”. Those decisions depend on facts we do not have.
Lifestyle
Travel and pet look cheap on a banner and expensive in the exclusion chapter. Destination, sports, pre-existing conditions, and annual limits are the comparison — not the tile that says “from $X a day”.
Business
Business insurance for sole traders is a set of activity questions: who could you harm, what advice do you sell, where do you work, and what contracts already demand a certificate. It is not a single SKU.
After you pick a type
Return to the guides if a mechanic — excess, PDS, waiting period, claim, switch — is blocking the decision. The type hub tells you what to line up. The guide tells you how that mechanic behaves.