What types of insurance cover are suitable?

Here are some examples of the major insurance types:

Life and income insurance
Protecting yourself and your loved ones against life's uncertainties, will help ensure that you and they can continue to enjoy life without added worries. This can include Term Life, TPD, Living Insurance and Income Protection.

Home, Contents and Personal Valuables Insurance
Most insurers will tailor home and contents policies to meet your needs whether you’re a home owner or renter. Some policies will even protect your belongings outside of the home.

Health insurance
Medicare covers all Australians for most treatment, however private health insurance is available for certain treatments and consultations. It also allows you to choose specific medical practitioners and facilities.

Motor Insurance
Compulsory Third Party (CTP) cover is limited to protection for personal injury. Comprehensive motor insurance provides greater protection for you, your vehicle and any other parties or property involved in an accident.

Landlord Protection Insurance
If you own a property and rent it out, landlord insurance covers you for malicious damage, theft by your tenants, loss of rent and legal liability.

Travel Insurance
Travel insurance can cover you for urgent medical assistance, lost luggage and/or assistance with making an urgent trip home due to an emergency. It can also cover you if you have to cancel your holiday before you leave.

Exclusions
Exclusions are circumstances that are not covered by an insurance policy. The best way of making sure you understand what you’re covered for and what you’re not covered for is to read the policy and exclusions carefully.