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Why choose Add Insure?
Add Insure works with multiple underwriters to find a policy for your needs. We provide you with an account manager who becomes your point of contact, deals directly with your insurer, and advocates for claims on your behalf to provide you with an appropriate outcome.
Our team is focused on delivering great service, brilliant products, and to be there for you when you need us the most, at claims time.
Motor Insurance is essential for several reasons. First and foremost, it provides financial protection in the event of an accident. If you're involved in a collision, your insurance will cover the costs of repairing or replacing your vehicle, minimizing the financial burden on you.
Motor insurance provides liability coverage, and also offers peace of mind. Knowing that you're protected against unforeseen circumstances such as theft, vandalism, or natural disasters can alleviate stress and allow you to drive with confidence.
Home Insurance helps cover the costs of repairing or rebuilding your home if it's damaged in an insured event, like fire (including bushfire), flood, or burglary. Landlord Insurance is similar, but also includes cover for landlord-specific things like loss of rent and malicious damage caused by tenants.
As professional insurance brokers, Add Insure can help you understand what your insurance needs are and then find the right policy for your home. We’ll clearly explain what is and isn’t covered under your proposed policy.
You can quote now directly, or alternatively leave your details and we'll be in touch shortly
Contents insurance covers your household items and personal belongings if they're damaged, lost, or stolen.
This can include your furniture, clothes, computer, fridge, television, tools, and jewelry. If you own your home, you can bundle your contents insurance with your home insurance.
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Important information you need to know
Any advice given is general advice and does not consider personal needs or financial objectives. Before you make any decision to acquire any product please contact us for a Product Disclosure Statement or Policy Wording.
General insurance services are provided by Add Insure Pty Ltd ABN 58 641 686 599 AR 1282515
Licensee disclaimer – Add Insure is a Corporate Authorised Representative of Steadfast IRS Pty Ltd ABN 95 159 898 398 AFSL 435538. The information contained on this website is for Australian residents only.
Insurance Services: Business | Small Business | Commercial
Locations: Sydney - Brisbane - Melbourne - Sunshine Coast - Darwin
FAQ's
What are some of the most frequently asked questions for Personal Insurance?
Car Insurance
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What does car insurance cover?
Car insurance typically covers damage or loss to your vehicle caused by events such as accidents, theft, and vandalism. It may also provide liability coverage in case you are at fault in an accident and someone is injured or their property is damaged. -
How much car insurance coverage do I need?
The amount of car insurance coverage you need will depend on factors such as the value of your vehicle, your driving habits, and the level of risk you are comfortable with. It's important to have enough coverage to protect your assets but not pay for more coverage than you need. -
What factors affect the cost of car insurance?
Factors that may affect the cost of car insurance include your driving record, the make and model of your vehicle, your age and gender, where you live, the level of coverage you choose, and any discounts you may be eligible for. -
What is the difference between comprehensive and collision coverage?
Comprehensive coverage will pay for damage or loss to your vehicle caused by events such as theft, vandalism, and natural disasters. Collision coverage will pay for damage to your vehicle caused by a collision with another vehicle or object. -
What should I do if I need to file a claim on my car insurance policy?
If you need to file a claim, contact your insurance provider as soon as possible to report the damage or loss. They will guide you through the claims process and may require documentation such as photos or a police report to support your claim. -
What is uninsured motorist coverage?
Uninsured motorist coverage will protect you in case you are in an accident with someone who does not have insurance or does not have enough insurance to cover the damages. -
Are rental cars covered under my car insurance policy?
Your car insurance policy may provide coverage for rental cars, but you should check with your insurance provider to confirm the details of your coverage. -
What discounts may be available on car insurance?
Discounts may be available for factors such as having a good driving record, completing a defensive driving course, having certain safety features on your vehicle, or bundling your car insurance with other types of insurance such as home insurance. -
How often should I review my car insurance policy?
It's a good idea to review your car insurance policy annually to make sure you have adequate coverage and to make any necessary updates such as changes to the value of your vehicle or your driving habits. -
Can I switch car insurance providers?
Yes, you can switch car insurance providers at any time. However, it's important to make sure you have a new policy in place before canceling your current policy to avoid any gaps in coverage.
Home Insurance
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What does home insurance cover?
Home insurance typically covers damage or loss to your home and personal property caused by events such as fire, theft, and certain natural disasters. It may also provide liability coverage in case someone is injured on your property. -
How much home insurance coverage do I need?
The amount of home insurance coverage you need will depend on factors such as the value of your home and personal property, the location of your home, and the level of risk you are comfortable with. It's important to have enough coverage to protect your assets but not pay for more coverage than you need. -
What factors affect the cost of home insurance?
Factors that may affect the cost of home insurance include the location and age of your home, the value of your home and personal property, the level of coverage you choose, your credit score, and any discounts you may be eligible for. -
What is the difference between actual cash value and replacement cost coverage?
Actual cash value coverage will pay for the value of your home or personal property at the time it was damaged or lost, taking into account depreciation. Replacement cost coverage will pay to replace the damaged or lost item at today's cost, without deducting for depreciation. -
What should I do if I need to file a claim on my home insurance policy?
If you need to file a claim, contact your insurance provider as soon as possible to report the damage or loss. They will guide you through the claims process and may require documentation such as photos or receipts to support your claim. -
Are natural disasters such as floods and earthquakes covered under home insurance? Natural disasters such as floods and earthquakes are typically not covered under standard home insurance policies. You may need to purchase additional coverage or a separate policy to protect against these events.
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Are my personal belongings covered under my home insurance policy?
Your personal belongings may be covered under your home insurance policy, but there may be limits on the amount of coverage and certain items may not be covered. You may need to purchase additional coverage or a separate policy to fully protect your belongings. -
What discounts may be available on home insurance?
Discounts may be available for factors such as having a home security system, being a non-smoker, having good credit, or bundling your home insurance with other types of insurance such as auto insurance. -
How often should I review my home insurance policy?
It's a good idea to review your home insurance policy annually to make sure you have adequate coverage and to make any necessary updates such as changes to the value of your home or personal property. -
Can I switch home insurance providers?
Yes, you can switch home insurance providers at any time. However, it's important to make sure you have a new policy in place before canceling your current policy to avoid any gaps in coverage.
Contents Insurance
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What is contents insurance?
Contents insurance covers the personal possessions inside your home, such as furniture, appliances, clothing, and electronics, against damage, loss or theft. -
What does contents insurance typically cover?
Contents insurance typically covers the cost of repairing or replacing your personal possessions if they are damaged, lost or stolen due to events such as fire, theft, or natural disasters. -
Do I need contents insurance if I rent my home?
While your landlord may have insurance that covers the physical building, it's still a good idea to have contents insurance to protect your personal possessions inside the rental property. -
How do I determine how much contents insurance coverage I need?
You can determine how much contents insurance coverage you need by making a detailed inventory of all your personal possessions and estimating their value. This will help you choose the appropriate level of coverage to protect your belongings. -
Are all my personal possessions covered under my contents insurance policy?
Most personal possessions are covered under contents insurance, but some high-value items such as jewelry, artwork, or antiques may require additional coverage or a separate policy. -
Are there any exclusions to contents insurance coverage?
Some contents insurance policies may have exclusions for certain events or types of damage, such as floods, earthquakes, or intentional acts of damage. -
How can I save money on my contents insurance premium?
You may be able to save money on your contents insurance premium by increasing your deductible, installing security features in your home, or bundling your contents insurance with other types of insurance such as car insurance. -
What should I do if I need to make a claim on my contents insurance policy?
If you need to make a claim, contact your insurance provider as soon as possible to report the damage or loss. They will guide you through the claims process and may require documentation such as photos or a police report to support your claim. -
Does contents insurance cover items I take outside my home?
Some contents insurance policies may provide limited coverage for personal possessions you take outside your home, such as a laptop or smartphone. However, if you have high-value items that you frequently take with you, you may need to consider additional coverage. -
How often should I review my contents insurance policy?
It's a good idea to review your contents insurance policy annually to make sure you have adequate coverage and to make any necessary updates such as changes to the value of your possessions or any new high-value items you may have acquired.