Home insurance cover note

You can't get cover note insurance for your house anymore but there's a decent alternative: cooling-off periods..

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What is a home insurance cover note, how long will the cooling-off period last, do i need to get home insurance before settlement, can i get insurance if the home is damaged, you don't need a home insurance cover note.

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A home insurance cover note was once used to provide people with temporary insurance, but they're not available anymore. As an alternative, insurers now offer cooling-off periods. This lets you cancel your policy before a certain date (usually 30 days) without being charged.

During the cooling-off period, you can change any feature of the policy, or even withdraw from it completely if you need to – as long as you haven't made a claim.

A home insurance cover note is a type of temporary insurance that used to be offered when you applied for a home insurance policy.

They were designed to cover you until you were issued with a full policy. However, insurers don't offer them now. Instead, you generally get a cooling-off period when you take out a home insurance policy. This lets you leave free of charge if you change your mind about your policy and want it cancelled or altered.

Finder survey: What is the main reason Australians chose building insurance over home and contents insurance?

Most home insurance policies will give you a cooling-off period of 21 days. This gives you protection while you continue to sort out and finalise the legalities of your home purchase. Essentially, it gives you a little time to make sure that the policy you're getting is the right one for you.

It's worth mentioning that if you make a claim on the policy during the cooling-off period, you'll have to pay for the policy.

Father helping son

While you aren't legally obliged to take out home and contents insurance before your settlement date, it's certainly a good idea to do so. Like a building insurance cover note, having a home insurance policy before settlement means you're not relying on the seller to have a policy, and if something does go wrong, you know it's there to protect you.

Even if the seller has home and contents insurance, it's more secure to not rely on their policy in the event of fire, flooding or vandalism. The last thing you want to deal with when buying a home is an expensive bill, or a delay in moving because the seller isn't sorting the damage quickly enough.

Overall, it is more secure to purchase home building and contents insurance immediately and if necessary take advantage of the 21-day cooling-off period. With contents cover, you'll also get cover for your contents during the move and most policies will also cover you for up to 2 weeks after your move.

If you don't take out home insurance before settlement, there are two common things that can happen.

If your soon-to-be home gets damaged before settlement, the contract to buy the property could be negated. This is because the seller has failed to keep the house in the conditions it set out. The result? They'll be obligated to fix it, otherwise the contract will fall through. If they don't have home insurance, and you want the house, it might be worth sorting it yourself.

There's also a chance that your contract will be carried through – generally because the damage isn't considered bad enough that the seller is obligated to fix it – meaning that you will be contractually obliged to go through with the sale and you'll have to handle the cost of repairs yourself.

Yes. If the home you're buying has seen better days it's still possible to get cover for it. However, any damage that happens to your property as a result of pre-existing damage won't be covered. You will still be covered for unrelated events though.

Make sure you inform your insurer that the property is damaged when applying as you could risk voiding your insurance otherwise.

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While you're still working stuff out for your new home, take out a home insurance policy to give you peace of mind. You can still make changes or cancel the policy within the cooling-off period.

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Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).

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What is the approx cost on insurance cover note of house value $840k over 2 days?

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Thank you for getting in touch with Finder.

Please note that cover notes are no longer offered in Australia. Please speak to your chosen insurer about getting home and contents insurance if you’re going on a holiday as they may offer a policy that will suit your needs with cooling off period which is usually for 21 days.

I hope this helps.

Thank you and have a wonderful day!

Cheers, Jeni

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Home insurance cover notes – where have they gone.

If you’re a first home buyer and your parents are guiding you through the process, they might have mentioned the importance of a home insurance cover note. But if your parents – or whoever is advising you – haven’t purchased a property recently, they may not have noticed that home insurance cover notes aren’t as prevalent as they once were.

Here, we investigate where home insurance cover notes have gone and what buyers should be doing instead.

What is an insurance cover note?

Can i get a home insurance cover note online.

  • Can I get one at all anymore?
  • What should buyers do?

A home insurance cover note is a form of temporary insurance. Cover notes used to be common and were offered by most insurance companies when you applied for a home insurance product. The cover note meant that you were covered by this temporary policy until you were issued with a full policy by the insurer.

Policy owners sometimes used the period of the cover note for peace of mind while shopping around for a better deal, which often meant that the provider of the cover note missed out on the full policy and premium.

Recently we were informed by real estate agents that insurance companies are not offering cover notes and that trying to obtain a cover note prior to settlement by a purchaser is no longer the norm.

It seems that cover notes have been replaced by a cooling-off period when you take out a home insurance policy. The cooling-off period means the purchaser of the policy can cancel with a full refund of their premium within a specified time frame.

So I can’t get a cover note for house insurance at all now?

We contacted four insurers and one insurance broker to confirm the latest position of suppliers. All insurers stated that they do not issue home and/or contents insurance cover notes but rather provide a full policy to the client. The client is charged full payment for that policy with the opportunity to cool off up to 21 days following payment.

Others provide the same cooling off period of 21 days but additionally allow the client 14 days to make the payment. This effectively provides them with 5 weeks from policy issue to potential cancelation because the 21-day cooling-off period begins when payment has been made.

So, what should buyers do?

In South Australia, most contracts state that the property is at the risk of the buyer from the moment the contract is signed. This means that if the property is damaged between the contract date and settlement, even if it’s accidental damage, the purchaser cannot pull out of the contract and must buy the damaged property (with no reduction in price). Instead, it is likely that the purchaser’s insurer will cover the repairs for the damage. An exception to this is if the property is damaged by the seller on purpose or by them not taking action to stop the damage.

It is also important for a buyer to be insured for public liability in case a tenant or occupant of the property is injured between the contract date and settlement. Even though the seller will usually still have an insurance policy in place until settlement, we strongly advise that the purchaser take out insurance so that they can make a claim in the event that something goes wrong.

In fact, our conveyancers ‘ general advice to all of our purchaser clients is to take out cover immediately when they sign a contract to buy a property – even before cooling off has expired in the case of a private treaty sale. With the very generous cooling off provisions, there is simply no reason not to.

If you have any questions, don’t hesitate to contact the experience team at Eckermann Conveyancers on 08 8366 7900.

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What's included in home and contents insurance cover?

Home and contents insurance can cover your property and belongings in case of fire, storm damage, theft and more. The table below shows some of the standard features of QBE Home Insurance.

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Buildings only, contents only, fire and theft, building repair or replacement, legal liability, temporary accommodation, buildings sum insured safeguard.

If you need to rebuild your home after a total loss and your claim exceeds your Buildings Sum Insured, we’ll pay up to 30% more than your Buildings Sum Insured. This benefit is included in your cover if shown on your Certificate of Insurance.

Extreme weather, natural disasters

Escaped water damage, broken glass (accidental), vandalism or malicious acts, damage by explosion, burnout of electric motors, security upgrades after a burglary, replacement locks, environmental upgrades - buildings.

For example, if your buildings are a total loss and we rebuild them, we can cover the cost to install a rainwater tank.

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For example, if you have a claim and we agree to replace an item, we can replace it with a similar one that has a better energy rating.

Food spoilage

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Cover for contents while moving

Carpets, curtains and internal blinds.

Repair or replacement of carpets, internal curtains, blinds and other contents in your home up to your contents sum insured.

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Damage by a falling tree or branch, damage by animals, lifetime guarantee on repairs.

Lifetime guarantee on buildings repairs if we have selected and authorised the repairer.

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Read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for full details, including limits, exclusions and conditions that apply.

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Home and contents insurance FAQs

What does home and contents insurance cover.

What’s covered depends on the type of home insurance you have and your specific policy. Most standard home and contents insurance policies can cover loss or damage of your belongings as well as your home in the event that something goes wrong like:

  • Water damage
  • Glass breakage

In many cases, you can also add optional extras to your home insurance policy to provide additional coverage. This includes things like portable contents insurance (to cover your valuables when you’re away from home) and accidental damage.

How does home insurance work?

Home insurance can cover your building, contents or both.

Home insurance for your building can provide cover for the cost of replacing or repairing your house, and home insurance for your contents can provide cover for the cost of replacing or repairing your belongings, due to loss or damage caused by things like fire, theft and storm.

When you choose a home insurance policy, you and your insurance provider agree on your policy’s coverage, conditions and premium.

How much does home and contents insurance cost?

The cost of home and contents insurance can depend on a number of factors, such as:

  • How much cover you choose (sometimes called your ‘sum insured’)
  • Whether you decide to add any optional cover, such as accidental damage or cover for portable valuables
  • The basic excess you choose (the amount of money you may need to contribute towards the cost of a claim)
  • Your claims history
  • The location of your insured property
  • Characteristics of your home
  • Your payment frequency

Read more about premiums, excesses and claims in the relevant Additional Information Guide .

The easy way to compare home insurance and see how much it may cost you is to get a quote .

Are my carpets and blinds insured under home or contents?

With QBE Home Insurance, carpets and internal blinds are insured under contents cover.

Am I covered for accidental damage?

QBE Home Insurance can provide cover for loss of or damage to your buildings and/or contents caused by events like fire, theft, flood and more. You can upgrade your policy to include accidental damage cover for an extra premium.

What’s the difference between ‘specified contents’ and ‘specified portable contents’?

To insure a contents item for an amount higher than the standard policy limit, you need to ask us to list it on your policy as ‘specified contents’. If we agree to list the item, an extra premium may apply for certain things such as jewellery. Cover is provided for contents and ‘specified contents’ when they are at your home address.

If you have contents cover and own a portable item that you would like to insure away from your home, you can select the Portable Contents option for an additional premium. You can select the cover by choosing certain categories of items with a category limit, or you can list a specific item. If we agree to list a specific item, it will be shown as a ‘specified portable contents’ item on your Certificate of Insurance.

We’ll usually need valuations, receipts or serial numbers as proof of ownership in the event of a claim. To find more information about the limits that apply to the policy, refer to your Certificate of Insurance and the relevant PDS .

Does my contents policy automatically cover items away from my home?

Not with QBE Home Insurance. To insure your personal valuables away from home, you’ll need to add the Portable Contents option for an extra premium. When you add portable contents cover to a home insurance policy, cover is provided for the items you have selected anywhere in Australia and New Zealand, and for up to 90 consecutive days anywhere else in the world.

Am I covered for flooding?

Yes, our home insurance policies provide cover for loss or damage caused by flood. For further details, refer to your  PDS .

I’m going on holidays overseas. Do I need to notify you that my home will be empty?

Yes please. You must tell us if your home will be unoccupied for more than 90 consecutive days.

Other conditions may apply and you’ll find more information about unoccupied properties in your Certificate of Insurance and the PDS .

My mortgage lender has asked for a certificate of currency. What’s this?

A certificate of currency is a document issued by QBE providing evidence of a current insurance policy. It includes details such as the name of the insured(s), the start and end date of the current policy term and the type of cover. Request a copy online or call us on 133 723

Note: A certificate of currency does not contain premium or payment information.

Is removal of debris covered?

If you have buildings cover, QBE Home Insurance provides cover for removal of debris as part of your buildings sum insured if we need to repair, replace or rebuild your home. You need to make sure you’ve allowed for this cost when setting your buildings sum insured .

How do I calculate my sum insured?

You can use the buildings and contents insurance calculators to help you get an estimated replacement value of your home and its contents.

What’s the sum insured safeguard benefit?

The Buildings Sum Insured Safeguard benefit is like a safety net. It’s designed to help protect against underinsuring your buildings. Your Certificate of Insurance will confirm if your policy includes the safeguard benefit.

If it does and we accept a claim that exceeds your buildings sum insured, we can pay up to 30% more than the buildings sum insured shown on your Certificate of Insurance.

How do I make a claim?

Head to our home insurance claims page to make a claim online or call us 24 hours a day on 133 723 .

This Home Insurance is issued and underwritten by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545). Any advice provided is general only and has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. To decide if this product is right for you, please read the relevant Product Disclosure Statement (PDS) and the Target Market Determination (TMD) .

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Save up to 10% when you buy both Building and Contents cover and combine them on the one policy 2,4

  • Pay only one excess if your buildings and contents are damaged by the same insured event 
  • Cover for 11 insured events, including fire, 5  storm, 5  and theft
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  • Cover for 11 insured events, including fire, 5  storm, 5  and theft
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Covers the cost of loss or damage to your contents at home, such as your furniture, white goods, rugs, electrical appliances, or even your clothes, linen, and more.

  • Repairing or replacing your contents if damaged due to an insured event

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Covers the cost of loss or damage to your investment property and the contents you provide for your tenant. Buy a building-only or contents-only policy, or combine both.

  • Cover for 12 insured events, including fire, 5  storm, 5  and malicious acts
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Covers the cost of repairing or replacing your belongings kept at your rented home, such as your furniture, electrical appliances, clothing, linen, kitchen items, and more.

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Home insurance calculators.

When you take out Home Insurance, it’s important that the amount you’re insured for accurately reflects the cost to rebuild your property and replace your contents.

If you’re insured for less than the replacement value of your home and contents, you might have to pay the difference out of your own pocket. Use our calculators as a guide to find out how much you should be insured for.

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Home contents replacement calculator, ready to get started, frequently asked questions.

Home insurance covers you financially in the event something happens to the property you own. It can also cover your personal belongings inside your home.

It takes a lot of time and hard work to purchase a property, and many of us spend a large portion of our lives paying that property off. That’s why it’s so important to consider whether home insurance is right for you and your circumstances.

The cost of your insurance is called a ‘premium’. Your premium will depend on a number of factors, and can change each year when you renew your policy. Your premium for each period of insurance will be shown on your policy schedule.

There are a number of factors that determine how your Allianz Home and Contents Insurance premium is calculated, including:

  • Where you live
  • The type of property you’re insuring
  • The amount and type of cover you need
  • Any other people also insured under the policy
  • The relevant claims history of the people being insured
  • The likelihood of a claim being made on your policy
  • Any discounts that may apply
  • Any compulsory government charges such as Stamp Duty and GST
  • Emergency Services Levies if they apply to the state or territory where your home is located
  • Any other charges we tell you of
  • The excess you choose 8

To find out the cost of insuring your house and contents,  get a quick quote today !

If you were previously renting, the home building insurance was the responsibility of the landlord. As a property owner, you’re responsible for your own building insurance.

If you’ve just bought an apartment or townhouse, the building may be covered by Strata – check with your body corporate if this is the case. If so, you can still get your contents insured with us. If you’ve bought the house as an investment property, you’ll need Landlord Insurance.

Get a Home Insurance quote or a Landlord Insurance quote now.

With Allianz you may save on your Home, Landlord and/or Contents Insurance premium:

  • If you’re buying Home Insurance, combine your Building and Contents cover on the one policy and save up to 10% 2,4 (compared to buying each cover as a standalone cover). This discount doesn’t apply to Landlords Insurance.
  • If you increase your basic excess: our policies come with flexible excess levels, giving you the option to increase your basic excess, within a given range, which could reduce your premium. 8

Before beginning renovations, you’ll need to notify us as soon as reasonably possible during the period of insurance if your renovations will cost more than $75,000 and:

  • You’re an owner-occupier with a Home Insurance policy
  • You’re a landlord with a Landlord Insurance policy

If you don’t, we may refuse or reduce a claim under the policy to the extent we are prejudiced by the delay or the non-disclosure. When we get this information, we may:

  • Propose changes to the terms and conditions of your policy
  • Propose to charge you a higher premium
  • Cancel your policy (if there’s a change and we can’t reach an agreement with you on altered terms and conditions or premium; or we’re no longer prepared to insure you because there’s been a material change to the risk).
  • Decide not to offer to renew your policy

Note: It’s also important that you increase your sum insured to take into account any extensions or renovations to make sure you’re adequately covered in the event of a home and/or landlord insurance claim.

If your investment property is currently unoccupied, and it’s not a new property that will be permanently occupied within 60 days of settlement, we’ll not be able to offer you a new Home or Landlord Insurance policy online. You can call us on 13 1000 and we’ll ask you a few more questions to see what kind of insurance we can offer you.

If you already hold a Landlord Insurance policy for this property with us and the buildings haven’t or won’t be lived in for more than 60 consecutive days, you’ll need to let us know as soon as reasonably possible by calling 13 1000 .

If you rent out a part of your home while you live at the same address, you’ll need to tell us first before we agree to insure you. Depending on the circumstances, your tenant may need to take out their own contents insurance policy.

If you’re renting all of your home or a granny flat out to tenants, cover isn’t available under an Allianz Home Insurance policy. You may need to consider a Landlord policy.

For more information, call us on 13 1000 so we can help determine your eligibility.

This cover option insures you in the event of accidental unexpected mishaps that are caused unintentionally, for example if you’re moving furniture around the house and damage your wall (if you have Buildings cover) or if you have spilt a drink which causes damage to your carpet (if you have Contents cover).

Here are some examples of the sort of mishaps you’ll be covered for if you take out optional Accidental Damage cover:

If you have Building cover and:

  • You accidentally smash a hole in the wall when you move some furniture
  • Your kids draw all over your walls

If you have Contents cover and:

  • You spill red wine on the new white carpet or lounge

We’ll extend cover for your contents anywhere in Australia for up to 90 continuous days in one period of insurance.

The Accidental Damage cover option automatically includes Motor Burnout cover. Read the PDS  for the details of what is covered.

Unless we state otherwise in the PDS , you’ll need to pay an excess as a contribution toward your claim when you make a claim under the policy.

Charging an excess also helps to keep the cost of premiums down by reducing the number of small claims. The amount and type of excess you have to pay will be shown in your policy schedule or in your PDS .

For full details of the standard terms, conditions and exclusions, refer to your policy schedule or the relevant PDS and any supplementary PDS (where applicable) .

This cover option allows you to insure items which you wear or carry with you outside your home (such as a handbag, wallet, sunglasses, jewellery or a musical instrument). You can choose from two types of Portable Contents cover – unlisted or listed – or you can choose both.

Unlisted Portable Contents

This option allows you to select a per item limit and per claim limit, e.g. up to $2,000 per item and $7,500 per claim. This means you don't have to specifically list your portable item. However, this option doesn't cover items such as laptops, tablets, mobile phones and other wearable technology which need to be covered under Listed Portable Contents.

Listed Portable Contents

This option allows you to cover specifically listed portable items for their full replacement value (less any contributable excess). Laptops, tablets, mobile phones and other wearable technology can be listed under your policy and covered as listed portable items.

Allianz Home Insurance extends cover to your granny flat when it’s located on the same title as your main insured property and isn’t rented to tenants. By 'title' we mean the legal document that proves you’re the owner of the property.

To make sure you have adequate coverage for your granny flat, check that the cost to rebuild it is also included in your total building sum insured.

If you rent out your granny flat to tenants, cover isn’t available under an Allianz Home Insurance policy. You may wish to consider an Allianz Landlord Insurance policy.

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Give us a call, or send us a message, follow us on, *conditions apply.

  • Up to 30% No Claim Bonus Home: When you take out a new policy, we calculate your No Claim Bonus based on your home insurance claims history. To qualify for the maximum No Claim Bonus of 30%, Home Insurance customers must have had no Building or Contents insurance claims in the preceding five years. However, customers who have had claims may still qualify for a reduced No Claim Bonus. After each claim-free year, the No Claim Bonus applied to your renewal premium will be increased by 10%, to a maximum of 30%. However, for every claim you make in a year, the No Claim Bonus applied to your renewal premium will be reduced by 10% to a minimum of 0%. The No Claim Bonus is applied to some optional covers if selected; Motor Burnout and Accidental Damage, but not Flood or Portable Contents cover. Landlord: When you take out a new policy, we calculate your No Claim Bonus based on your landlord insurance claims history. To qualify for the maximum No Claim Bonus of 30%, Landlord Insurance customers must have had no landlord losses in the preceding three years. However, customers who have had claims may still qualify for a reduced No Claim Bonus. After each claim-free year, the No Claim Bonus discount applied to your renewal premium will be increased by 10%, to a maximum of 30%. However, for every claim you make in a year, the No Claim Bonus applied to your renewal premium will be reduced by 10% to a minimum of 0%. The No Claim Bonus discount doesn’t apply to optional Flood cover (if selected) but is applied to Rent Default and Theft by Tenant (if selected).
  • Minimum premiums may apply Any discounts may be subject to rounding and only apply to the extent that any minimum premium isn't reached. If you’re eligible for more than one discount, Allianz applies them in a predetermined order. This means the effect of applying any subsequent discount will be reduced. For example, the aggregate effect of applying two discounts consecutively means that you won't see the full benefit of both these discounts. Discounts don't apply to taxes or government charges.
  • Pay by instalments Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding, and financial institution transaction fees may apply.
  • Combined Discounts A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home Insurance policy, including for the following optional covers if selected: Motor Burnout and Accidental Damage cover. The combined discount doesn't apply to Landlord policies, Flood or Portable Contents optional cover.
  • 72-hour exclusion period may apply – Home We don’t provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires, and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. For full details of conditions and exclusions please refer to the relevant PDS .
  • Alternative accommodation Covers weekly equivalent rent. Up to 10% of Building or Contents sum insured, up to a maximum of 12 months and up to $500 for your pets. This is an extra benefit we pay in addition to your building sum insured. We don’t pay additional alternative accommodation costs under the contents section if we’ve paid it under the buildings section. No excess applies to this benefit.
  • Rental costs after an insured event Covers the equivalent weekly rent if your tenants can’t live in your investment property for at least seven days due to damage caused by an insured event. We’ll pay for your loss of rent on the insured property for the time necessary to reinstate your building, or for which access to the building is denied, or up to a maximum of 12 months, whichever period of time is lesser. Applicable only when you have building cover, or if the building is part of a strata title development and you have contents cover.
  • Option to change your excess Home: Not available with respect to any additional compulsory excess, imposed excess applied to the policy or to the Portable contents excess. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Domestic Workers' compensation, Flood or Portable contents. Minimum premiums apply. Landlord: Not available with respect to any additional compulsory excess, or to the imposed excess applied to the policy. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Landlord’s Workers' compensation, or Flood. Minimum premiums apply.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.

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Home insurance

With a lifetime guarantee on the workmanship of authorised repairs – and much more

Choose how you pay

Pick the payment option that best suits your needs. Pay fortnightly, monthly, quarterly or annually at no extra cost 1 .

Compare home insurance

Home buildings.

We can cover the cost to repair or rebuild if your home is damaged or destroyed by an incident we cover, up to the sum insured.

Plus, if your home is damaged by a covered incident and you can’t live in it anymore, we’ll help cover the costs of temporary accommodation for up to a year.

Want more premium cover? Choose Home Buildings Plus when you get a quote.

Home Contents

We offer cover for items in your home, even if you accidently leave a window or door unlocked.

Plus, you can add a portable contents option to cover items like laptops or jewellery that might get lost or stolen when you’re out and about.

For premium contents cover, choose Home Contents Plus when you’re getting a quote.

Home Buildings & Contents

Protect your home inside and out with combined Buildings and Contents Insurance.

Your buildings and items will be covered for a range of incidents. Plus, we offer a lifetime guarantee on the workmanship of authorised repairs to your home.

And if you’re looking for our highest level of cover, choose Home Buildings & Contents Plus when you’re getting a quote.

Want premium cover?

Choose Home Buildings Plus, Home Contents Plus, or Home Buildings & Contents Plus when you get a quote. All our optional benefits – like Accidental Damage cover – are included. Plus, you can cover your home and contents for more than you can with our normal cover.

Protect your rental property, its contents, or both. We can cover rent default, as well as damage to your property from theft, vandalism, fire, storms and more.

Holiday Rental

Do you use platforms like Airbnb or Stayz to host guests for short-term stays? ShareCover 2 can give you peace of mind.

ShareCover covers your house or apartment for things like accidental damage, theft and fire. Choose a policy for 6 or 12 months, or just for the nights you need it.

Residential Strata Insurance

Protect your strata building and common contents. We can cover damage or loss caused by storms, fires or accidental damage.

You can also add cover for the breakdown of machinery you own in your property – including things like lifts and heaters.

Single Item Insurance

Want to cover your favourite possessions, like your laptop, tablet or TV? Insurance4That lets you choose what to insure and how much to insure it for.

Why choose NRMA Insurance?

  • With Home Buildings , Home Contents and Home Buildings & Contents , you're covered even if you accidentally leave a window or door unlocked in your home
  • Lifetime guarantee on the workmanship of authorised repairs to your home
  • With over 90 years of experience, we know how to protect the things you care about
  • We operate in NSW, QLD, TAS, ACT, WA, SA, and the NT.

Things you should know

The option to pay in instalments is not available for policies in NSW, QLD, TAS or the ACT that were last renewed prior to 1 July 2024, or first purchased prior to 21 April 2024 and not yet renewed. It will become available to those policies when they next renew. Excludes travel and business insurance.

ShareCover is issued by Insurance Australia Limited, ABN 11 000 016 722, AFS Licence No. 227681, trading as ShareCover Enterprises. ShareCover Enterprises isn’t related to Airbnb or Stayz. References to Airbnb or Stayz don’t mean we endorse those platforms (or that they endorse us).

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  • Membership and roadside assistance
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Buying a house: Do you need home insurance before settlement?

home insurance cover note qld

When you’re buying a new home, sorting out insurance might be the last thing on your mind. We don’t blame you, there’s a lot to think about! It’s vital to know what the requirements are though. 

What is the settlement process?

When you purchase a property in Australia, the settlement process is the period between exchange of contracts and settlement. It’s when the final details are sorted out and the sale is completed. In most cases, the settlement period is around six weeks.

During this time, the buyer has an opportunity to arrange finance, organise insurance and perhaps even request necessary repairs or improvements to the property. The settlement period can be a stressful time for buyers, but as long as you are prepared and have everything organised in advance, there’s no reason  it can’t go smoothly.

Getting insurance before during or after settlement

The laws and regulations governing when a buyer becomes liable for home insurance vary between states and territories. In some cases, you may be required by law to have home insurance before settlement date. Settlement date is when you take possession of the property.

In other cases, it might be okay to wait until the date of settlement to purchase your policy. 

New South Wales and Victoria

The buyer becomes responsible for addressing any damage to the property from the settlement date. That means, technically, the vendor is responsible up until this point, and would need to have an insurance policy effective until that date. Despite that, it might be best to have your insurance in place from the time the contract of sale is signed.

After both parties have signed a contract of sale, the purchaser becomes responsible for the property from 5pm on the next business day, and would need to have a home insurance policy in place from then to cover any damage.

ACT, South Australia and Tasmania

The responsibility for any damage during the settlement period usually rests with the buyer. If you’re the buyer, you’ll need to have your insurance sorted before exchanging contracts. Otherwise, you may have to pay for any damage sustained to the property — such as damage from a weather event like a storm.

Western Australia and the Northern Territory

The buyer assumes responsibility for the property at one of two times (whichever comes first):

  • on the date the buyer is entitled to or given possession, or
  • on the date that the full purchase price is paid.

How does your new home location affect your premiums?

Your insurance premiums may be affected by the location of your new home. If you’re moving to an area less prone to bushfires, floods or storms, there is a chance your premiums - and excesses - could be lower than they’d be in a more high-risk area.

If you’re set to pay a higher premium, you may be able to offset some of the cost by choosing a higher excess. Watch out for other hidden costs when buying a home .

What about strata insurance for units and apartments?

When you purchase a unit in a strata scheme, your body corporate will usually have an insurance policy that covers the building and common areas. However, this doesn’t cover your personal belongings or any renovations you might do to your unit. You’ll need to take out your own Contents Insurance policy to cover these things. 

Better to be safe than sorry! Choose the right cover

No matter what state you live in, it’s important to factor in home insurance when buying a home. Protecting your biggest investment should be a top priority, and with the help of AAMI, it can be easy and affordable too.

Get a quote for AAMI Home & Contents Insurance 

  • The top 5 items stolen from homes
  • What could landlord insurance cover?
  • How to make a home insurance claim

Insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 trading as AAMI. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.

Related links

  • Home and Contents Insurance
  • Contents Insurance
  • Portable Valuables Cover
  • Retrieve a Quote
  • Make a Claim
  • Get a Quote

home insurance cover note qld

Fair is helping our customers save $20 million

Fair is automatic cyclone and flood cover

home insurance cover note qld

Fair is insurance designed for regional Queensland

home insurance cover note qld

Fair is savings that don't cost you at claim time

home insurance cover note qld

Fair is paying monthly with no penalties

Insurance designed to save regional QLD

What kind of insurance are you looking to save on, home and contents.

  • Cover for your home and personal belongings
  • Designed with Regional QLD in mind
  • Save 10% when you combine both home and contents+

Home - Building Only

  • Owner occupied or investment property
  • From Maryborough to the Cape to Mt Isa to the West
  • We’ll reward you for mitigation measures

Contents Only

  • Protect your possessions and your legal liability
  • Optional Australia-wide cover available

Residential Strata

  • Saving Body Corporates
  • Rewarding well-maintained properties
  • Save 10% when you combine both home and contents
  • Owner occupied or investor property
  • From Hervey Bay to the Cape to Mt Isa to the West
  • Save when you buy online

More of the cover regional Queensland needs

Automatic cover for flood

Automatic cover for fire, including bushfire

Up to 18 months of temporary accommodation

We’ll pay for removal of debris (up to 25% of your home sum insured)

We’ll pay for up to $10,000 in mitigation improvements following major damage caused by storm, flood or bushfire

How you could save even more

Cyclone mitigation.

Up to 10% OFF the cyclone component of your premium for window shutters

Up to 5% OFF the cyclone component of your premium for roller door bracing

That’s up to 45% OFF the cyclone component of your premium*

Flood Mitigation

Up to 20% OFF the flood component of your premium for barrier protection

Up to 10% OFF the flood component of your premium for flood proof doors and windows

That’s up to 35% OFF the flood component of your premium*

Bushfire Mitigation

That’s up to 35% OFF the bushfire component of your premium*

That’s up to 45% OFF the cyclone component of your premium.

Up to 5% OFF the flood component of your premium for anti-backflow valves

That’s up to 35% OFF the flood component of your premium.

Up to 5% OFF the bushfire component of your premium for gutter guards

That’s up to 35% OFF the bushfire component of your premium.

What do our customers have to say?

“Call Sure and I guarantee  you’ll be happy when you do”

PETE. SOUTH JOHNSTONE

home insurance cover note qld

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Home and contents insurance

Make sure you find out when you become responsible for insuring your new home. Talk to your agent or solicitor .

In most cases, you will become responsible for the property from 5pm the next business day after the contract date—this is before settlement day .

You must decide for yourself whether to take out home insurance. However, not having home insurance is very risky. Home insurance will cover you for loss or damages to the building and its fixtures. You should also consider taking out contents insurance.

If you have a mortgage , your lender can insist that you take out home insurance.

If you buy into a community titles scheme , you still need to insure your own property and contents. The body corporate will usually have to take out insurance for any common property.

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North Queensland home insurance

In recent times, North Queensland has been severely impacted by natural disasters including cyclones and floods, and these disasters have contributed to rising insurance premiums.

This website is an Australian Government initiative designed to help North Queensland residents compare some home insurance policies and indicative premiums offered in North Queensland.  

map

For this site, North Queensland is the area of Queensland north of the Tropic of Capricorn (latitude 23 degrees 30 minutes south).

IMPORTANT INFORMATION: You must read before you can proceed  

  • Comparison results are indicative only: they do not take into account your particular circumstances or your specific property, and actual quotes may be significantly different (higher or lower). Results are not an offer of insurance.
  • Don't focus only on premiums: you should consider coverage and policy features when deciding which policy best suits your needs.
  • Policy features on this site are summaries and not complete: you should refer to information available directly from each insurer (including Key Facts Sheet, Product Disclosure Statement and other policy documentation) for complete details.
  • Market coverage:   this site does not include information for all North Queensland home insurers
  • Point in time information:  policy features and indicative quotes on this site are collected at a point in time. Refer to the FAQ on " How up to date is the information on this site? " for more information.
  • More information: assumptions  and  disclaimers  must be read in conjunction with using this website.

Compare sample policies

Select from the drop-down options below to compare some North Queensland home insurance policies

I understand the important information (in the orange box) above.

Postcode or suburb: Provide the postcode or suburb of your property. Results will be based on your suburb however in less populated locations results may be based on your postcode area. Postcode or suburb

Insurance type: Choose the type of insurance you are seeking to compare. This tool does not compare combined building and contents insurance. Insurance type

Are you an owner occupier or a renter?: Renter will be based on a sum insured of $35,000. Are you an owner occupier or a renter

Is your property a detached house or a unit? Detached house for this website does not include terraces or semi-detached homes. Unit will be based on a sum insured of $40,000. Is your property detached house or a unit

Building sum insured: Buildings sum insured should reflect the amount it would cost to completely re-build your house. Having trouble working out your sum insured? Visit the Understand Insurance: Building Calculator Building sum insured

Building construction date: The year your building was constructed Building construction date

Compare sample New search

Yes Feature included

No Feature not included

Optional Feature may be included at additional cost

Underline Tap/hover for more information

Underwriter For your search location and our assumptions, the insurer may restrict, or not provide, home insurance online. Contact the insurer for more information

More information

  • Disputes information:  The Australian Financial Complaints Authority (AFCA) publishes some statistics on insurance disputes that it collates while performing its role providing a free external dispute resolution scheme for disputes about products that include home insurance. Please note that disputes in AFCA may not relate to claims and may contain information for all of Australia and not simply North Queensland. The information may be based on insurance company groups – not divided into particular insurance brands and will depend on the particular factual circumstances of each dispute.
  • Specific characteristics have been selected based on common home insurance attributes for the North Queensland region, and key rating factors generally affecting premiums to give a range of profiles which is broadly representative of Buildings and Contents risks in North Queensland. These risk profiles are only an indication and are not tailored to your particular property, personal circumstances or relevant insurance history. As such, the resulting premium information is indicative only (your actual quotes may be higher or lower than the comparison results displayed). A quote obtained from an individual insurer will vary, perhaps significantly, from the indicative premiums presented on this website. 
  •   These characteristics are a reasonably common combination of property characteristics in North Queensland locations with a sum insured at this level. A number of other assumptions  have also been made. 

Underwriter For your search location and our assumptions, the insurer may restrict, or not provide, home insurance online. Contact the insurer for more information.

  • Specific characteristics have been selected based on common home insurance attributes for the North Queensland region, and key rating factors generally affecting premiums to give a range of profiles which is broadly representative of Buildings and Contents risks in North Queensland. These risk profiles are only an indication and are not tailored to your particular property, personal circumstances or relevant insurance history. As such, the resulting premium information is indicative only (your actual quotes may be higher or lower than the comparison results displayed). A quote obtained from an individual insurer will vary, perhaps significantly, from the indicative premiums presented on this website. 
  •   These characteristics are a reasonably common combination of property characteristics in  North Queensland locations  with a sum insured at this level. A number of other assumptions  have also been made. 

Useful links

  • Understand Insurance: Building calculator  - to help you work out your building sum insured
  • Understand Insurance: Contents calculator  - to help you work out your contents sum insured
  • ASIC's MoneySmart website  - for information on estimating home rebuilding costs

Last updated: Tuesday, January 12, 2021

Home and contents insurance

Over 350,000 Queenslanders trust RACQ to protect their home and contents +

Get your quote

family washing car with storm approaching

Be prepared with RACQ Home and Contents Insurance

RACQ Home and Contents Insurance protects the things that make your house a home, big or small. 

  • Be covered for damage or loss from storm, flood, hail, fire and theft
  • Enjoy new for old replacement on your home contents
  • Lifetime guarantee on repairs completed by RACQ's network of suppliers

Save $50 when you buy this policy online *

What does my racq home and contents insurance cover.

This is a summary only. To get up to speed on all the details, read our Product Disclosure Statement (PDS), any applicable Supplementary PDS, Key Facts Sheet and Target Market Determinations .

RACQ Home and Contents Insurance optional benefits

This is a summary of the optional benefits available with this policy. Find out more about the optional benefits you can add to your policy in our Product Disclosure Statement (PDS), any applicable Supplementary PDS, Key Facts Sheet and Target Market Determinations .

Home and contents insurance calculators

Estimate the replacement value of your home and contents in a few minutes.

Why choose RACQ for your home and contents insurance?

We’re going green RACQ is making sustainable living easier and more affordable. Learn more  about how we can help you go green today. 

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Save with RACQ Home and Contents Insurance

Award-winning insurance.

RACQ are the proud winner of the 2023 Canstar Most Satisfied Customers – Qld award, plus the 2023 Mozo People’s Choice Award for Highly Trusted and the 2023 Mozo People’s Choice Award for Excellence Claims Experience for Home Insurance in Queensland. 

Explore RACQ member benefits ~~

Manage your home and contents insurance.

Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.

Home and contents insurance FAQs

Tips and guides.

  • Choosing home insurance

Things to note

Insurance products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the PDS and any applicable Supplementary PDS  plus any relevant Key Facts Sheet before making a purchase decision on this product. You can also access our Target Market Determinations on this website.

~Up to 10% of the sum insured, short term accommodation costs for up to 14 days and ongoing accommodation costs for up to 12 months.

~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.

# Conditions apply. Offer available at participating Caltex and Puma Energy service stations. Visit racq.com/caltex for details.

*The online discount will be applied and deducted on the total annual premium amount payable on your new policy. Excludes pay later option and any policy renewals. Discount amounts may be pro-rated for cover of less than 12 months.

^^ Home and contents must be at the same address.

+ Based on RACQ data as at 4 April 2024, over 350,000 Queenslanders held Household Insurance policies with either Home cover, Contents cover, or Home and Contents cover.

  Contact

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  • Home and Contents Insurance

Our three levels of cover offer flexibility and easy claim. Because you can’t put a price on peace of mind.

online offer

SAVE $100 OFF

when you get a quote and buy online *

Why choose Suncorp Insurance?

Easy 24/7 claims

15% multi-policy discount

Insuring Australians since 1902

Choose from 3 levels of Home and Contents Insurance

Some of what's included.

Regular cover

Mid-Range cover

Classic Extras

Classic Advantages

Loss or damage in a flood, storm, hail, fire, escape of liquid, and theft #

Build It Back Better™

Up to $5,000

Up to $7,500

Up to $10,000

Safety net home protection provides an additional percentage of your nominated sum insured.  This means that if your home is damaged and the cost of repairing or replacing it is more than you have nominated, we can increase your sum insured by a percentage depending on the level of cover you have selected.

Safety net home protection

OPTIONAL Up to a further 25% of your home sum insured

Up to a further 25% of your home sum insured

Up to a further 30% of your home sum insured

Lifetime guarantee of quality workmanship for repairs or rebuilds

When we repair or rebuild the home, we guarantee the quality of workmanship of that work for the lifetime of your home if we: — authorise; — arrange; and — pay the builder or repairer directly for this work.  Read the PDS for more information.

Replacement of damaged contents with ‘new for old’

If the quoted cost to repair is more than the cost of replacement on a ‘new for old’ basis or if the contents item cannot be repaired, you have the option to accept a replacement on a ‘new for old’ basis sourced through our supplier network.  Read the PDS for more information.

Accidental damage at the home

This covers loss, breakage or damage to something by accident at home. For example: dropping, knocking over or spilling something without intent. 

A quote includes all 3 levels of cover – choose the one that best suits your needs.

Download the Product Disclosure Statement (PDS) OR Check out our Visual Guide to Home & Contents Insurance.

What we cover

Every policy covers these insured events as standard.

  • Storm and cyclone ^
  • Fire (including bushfires) ^

Theft and burglary

  • Malicious acts and vandalism
  • Escape of liquid e.g. burst pipe

See full list of insured events

Build it Back Better™

If your home is damaged by an insured event and the assessed repair or rebuild costs are more than $50,000 or 10% of your sum insured (whichever is higher), you’ll be offered additional recommended resilience options to help protect against damage to your home.

Conditions apply

Lodging your claim is simple and convenient

If you need to make a claim, we’re here to help you every step of the way.

1. Have your details ready

We’ll need your policy number and details of the event. Don’t know your policy number? Use our policy finder tool .

2. Lodge a claim 24/7

Make your claim online, or through the Suncorp App, and track the progress of your claim at any time. Claims may be decided instantly. If we need more info, we’ll contact you within 2 business days.

3. Assessment

We’ll contact you to arrange a time to assess the damage, and let you know what you’re covered for, including any excesses that may apply.

4. Finalise your claim

We’ll let you know once your claim is complete and arrange any repairs, replacements or payments to you.

How much are your home and contents worth?

Home Building Calculator

Estimate the rebuild cost of your home to help you choose your sum insured.

Contents Calculator

Estimate the replacement costs of your home's contents to determine how much cover you may need.

Frequently Asked Questions

Home and contents insurance covers your house and possessions against damage caused by an insured event such as fire, flood, storm or theft. It includes new-for-old repair or replacement and the option to cover personal valuables like your mobile phone, laptop, or bicycle (if not racing or pace-making).

This depends on your individual claim and policy. Where we can, we will arrange replacement contents for your lost or damaged belongings. In some cases we may not have a supplier for certain items and we may ask you to provide a replacement quote. If we deem this quote fair and reasonable we will offer you settlement based on that quote. If the cost to replace your contents will exceed the sum insured on your certificate of insurance, we will need to discuss the options with you.

Yes, your home is covered if it is unoccupied, however an additional excess applies to any claim made during this time if the home has been unoccupied for more than 60 consecutive days.

Your Suncorp policy provides you with up to $20 million legal liability cover.

Legal liability covers your liability to pay compensation for death or bodily injury to other people or loss or damage to their property resulting from an incident, which happens in connection with you owning or living in the home at the insured address. For instance, if a person was to come onto your property and injure themselves by tripping whilst climbing the stairs, the Home legal liability component of your policy would respond if you were found legally liable for the injury sustained and damages were sought from you.*

Legal liability on contents also covers your liability to pay compensation for an incident, which causes death or bodily injury to other people anywhere in Australia or New Zealand. So if you were playing golf at your local golf club and your ball was to strike another player causing injury, the contents legal liability component of your policy would respond  if you were found legally liable for the injury sustained and damages were sought from you*.

* This example assumes your claim was not otherwise excluded by your policy.

We utilise experienced, qualified builders that are part of our supplier network. We offer a lifetime guarantee on home repairs, which means the quality of workmanship of the repairs we authorise to your home are guaranteed for the lifetime of your home.

Alternatively, you can be paid the amount of the assessed quote and manage the repairs to your home yourself, but the lifetime guarantee will not apply.

To learn more, refer to the  PDS .

Suncorp Home and Contents Insurance includes cover for home office items at your address, like monitors, desks and chairs.

If you would like to discuss the coverage of your home office equipment further, please call 13 11 55 or click the chat icon to speak to someone online.

If you’ve taken a work laptop home from your employer’s office, you’re considered to be responsible for it while it’s away from their office. Your work laptop may then be covered by your Home and Contents Insurance .

However, this only extends to cover at home, so if you’re planning on using your laptop elsewhere and would like cover for it, please contact us on 13 11 55 .

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Home Insurance Insights

The impacts of water damage at home, does home contents insurance cover carpet, are decks covered by home insurance, what is legal liability cover, what affects my home insurance renewal price, does home insurance cover vandalism, how to make a home insurance claim.

* Offer available only for the purchase of a new eligible policy of insurance issued by AAI Limited ABN 48 005 297 807 AFSL 230859 trading as Suncorp Insurance. Discount will be applied upon purchase of the new eligible policy of insurance and subtracted from the price of the premium. If you’re eligible for more than one discount, we apply any subsequent discount to the already discounted premium (usually before adding taxes and charges).

# Actions or movements of the sea and loss or damage caused by storm surge (unless the storm surge damage occurs at the same time as damage caused by a storm) are not covered. We don't cover retaining walls or flood damage to wharves, jetties, pontoons, other exclusions apply.

^ We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.

For full details of the covers, limitations, exclusions and conditions contained within Suncorp Home and Contents Insurance please read the Suncorp Home and Contents Insurance Product Disclosure Statement . The Target Market Determination is also available.

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Need to claim? We’ll sort it out as quickly as we can! Make your claim online or through the Suncorp App. It only takes around 5 minutes and you can track the progress of your claim at any time. You'll get your claim number instantly and can easily let us know if any emergency repairs are required.

To qualify for the 15% Multiple Policy Discount (the MPD) you must have 3 or more eligible paid personal insurance policies with Suncorp Insurance. There must be a common mailing address and the person(s) seeking the discount must be nominated as an insured with the same name and date of birth on each eligible policy. The eligible policies to qualify for the MPD are Suncorp Home, Contents, Landlord, Car, CTP, Motorcycle, Caravan (including trailer), Motorhome and Boat.

Suncorp CTP counts as an eligible policy, but you will not receive the MPD on the premium as it cannot be discounted due to Queensland legislation.

The MPD does not apply to the Suncorp Insurance Home Assist or Excess-free glass cover portion of your premium, if you have selected these optional covers with Suncorp Home Insurance or Suncorp Roadside Assist if you have selected this optional cover for Suncorp Comprehensive Car Insurance.  Read full terms and conditions

We’ve been proudly insuring Australian homes for over 100 years. We pride ourselves on delivering for our customers. We have a team dedicated to helping you protect what’s most important to you.

Accidental glass breakage

This covers things like fixed glass in windows, doors, skylights, shower-bath combos, toilets, basins, baths and the glass that forms part of a fixed cooking or heating appliance.

It doesn’t cover ceramic tiles, drinking glasses or glass that is part of things like vases, ornaments or light globes.

Personal Valuables

Personal valuables are some of the valuable things you might leave the house with. It’s things like your mobile phone, camera, laptop, or tablet. It also includes bicycles (as long as you’re not racing or pace making).

With personal valuables, the items are covered anywhere in Australia and New Zealand.

You can choose whether to specify the items so as to cover them up to a specified value, or if you’re happy to have unspecified cover, we pay up to $1,000 per item.

Temporary accommodation

If your home is damaged by one of our insured events to the extent that it cannot be lived in, we will pay for your reasonable temporary accommodation costs, including for your domestic pets.  Please read the PDS for full details of conditions, exclusions and limits.

Motor burnout

Covers the burning out or fusing of electric motors that are part of your home and equal to or less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges (if you have contents cover).

Motor burnout excess applies instead of the standard excess (plus any other applicable excess).

Excess-Free Glass with Suncorp Home Insurance

Repair your broken glass with no excess payable

Whether it’s a shower screen, window, fixed mirror or skylight, repairing accidentally broken glass can be expensive and time consuming. But, with this optional cover for your Home Insurance policy, you can get it done without paying an excess.

What’s included

  • Reasonable and necessary costs to repair or replace fixed glass in windows, doors, skylights and shower screens, in your home.
  • Costs for repair or replacement of frames in windows, doors and shower screens, if necessary to enable the glass to be replaced.
  • No excess to pay when your claim is only for the broken fixed glass.
  • Access to trusted glass repairers.

Exclusions Apply

This optional cover is for certain fixed glass only, so it doesn’t apply to things like drinking glasses, vases, or TV screens.

Exclusions apply

For more detail, including limits, conditions and exclusions, refer to the Product Disclosure Statement (PDS) .

Build it Back Better TM

If your home is damaged by an insured event and the assessed repair or rebuild costs are more than $50,000 or 10% of your sum insured (whichever is higher), you’ll be offered additional recommended resilience options to help protect against severe weather. Depending on your level of cover this could be up to $5,000 - $10,000.

Build it Back Better™ is automatically included with a new or renewed (from 25th March, 2021) Suncorp Building Insurance or Home & Contents Insurance policy.

We can offer this feature when:

  • your home claim is covered
  • the assessed repair or rebuild for your claim costs are more than $50,000 or 10% of your sum insured, whichever is the higher amount.
  • a member of our supplier network is able to undertake the work, and
  • your home doesn’t already have the selected resiliency enhancement.

The most we’ll pay for these resilience enhancement options is $5,000 for Classic policies, $7,500 for Classic Extras, and $10,000 for Classic Advantages.

Cover applies to claims with building damage over $50,000 or 10% of sum insured, whichever is highest. Resilience improvements are tiered according to level of cover up to $10,000. Limits, conditions and exclusions apply. Before buying insurance issued by AAI Limited trading as Suncorp Insurance read the PDS at suncorp.com.au

Insurance issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. Read the Product Disclosure Statement before buying this insurance. Go to suncorp.com.au for a copy. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.

Cover applies to claims with building damage over $50,000 or 10% of sum insured, whichever is highest. Resilience improvements are tiered according to level of cover up to $10,000. Limits, conditions and exclusions apply. Before buying insurance issued by AAI Limited trading as Suncorp Insurance read the Product Disclosure Statement .

What is a ‘home sum insured’?

Your sum insured is the amount listed on your policy as the most we’ll pay to repair or rebuild your home in the event of a successful claim. You can choose your sum insured, from a range offered by us, when you take out or renew your policy. If your sum insured is less than the amount it would cost to rebuild your home, you may have to pay additional costs out of pocket if your home is damaged or destroyed. You can estimate your rebuild cost with our Home Building Calculator .

Suncorp Insurance Home Assist

General maintenance

Suncorp Insurance Home Assist does not cover general maintenance, such as the provision or replacement of windows, doors, glass, tiles, carpets and of fittings and fixtures. Other exclusions apply — please read the Home Assist Terms & Conditions .

Preventative services

Suncorp Insurance Home Assist does not cover preventative services, such as the removal of property, rubbish or debris. Read the Home Assist Terms & Conditions .

Disaster response

Suncorp Insurance Home Assist is not an emergency rescue or disaster response service. Read the Home Assist Terms & Conditions to find out more.

Where an emergency situation poses a risk to your personal safety or property, or the personal safety and property of any other person, contact the appropriate emergency or rescue services.

Offering help from a plumber, electrician, locksmith or carpenter if you have a home emergency.

How you could get help from selected emergency tradies

Suncorp Insurance optional Home Assist can offer you help from a plumber, electrician, locksmith or carpenter for a sudden and unforeseen home emergency. So, if you’re faced with something like a burst pipe or broken door key, Home Assist could help get it sorted.

FYI, it won’t help with general maintenance , preventative services  or disaster response . Some geographical limitations apply to availability of cover, and cover is not available within the first 24 hours of taking out Home Insurance, or adding the optional cover to your policy.

Tradies available 24/7

Electrician

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How it works

For assistance in a home emergency — that is, a sudden and unforeseen incident which requires urgent attention — call 13 22 44 .

  • 3 excess-free callouts within your policy period
  • Repair materials, up to $50
  • Up to 2 hours emergency assistance per callout
  • A trusted network of tradies

Contents in Transit

We provide some cover for contents in transit and storage within Australia. This is an additional cover that comes with your policy at no extra cost. Limits, exclusions and conditions apply.

Injury to pet dogs and cats

If a pet dog or cat shown on your certificate of insurance is injured in an incident, we’ll pay for necessary veterinary treatment (up to $2000 per accident). Extra premium and injury to pet dogs and cats excess will apply.

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Suncorp Roadside Assist

Whether it's a flat tyre or a breakdown, if you can't get started, we're here to help.

Available as an optional cover with our 3 levels of Comprehensive cover, Suncorp Roadside Assist gives you confidence when you're on the road. 

  • 24/7 support, regardless of who's driving
  • Unlimited service call-outs across Australia (terms and conditions apply)
  • All for a low annual cost, with no extra joining fee.

First eligible policy

If you first purchase or have an existing Suncorp Car, Suncorp QLD CTP, Suncorp Motorcycle or Suncorp Home and/or Contents insurance policy, you will be eligible for this campaign. Refer to the T&Cs .

Second new eligible Policy purchased

  • If you first purchase or have an existing Suncorp Car or Motorcycle policy, you can get 20% off new Suncorp home insurance.  (‘New Suncorp home insurance’ excludes landlord and strata insurance)
  • If you first purchase or have an existing Suncorp Home or QLD CTP policy, you can get 20% off new Suncorp car insurance.  (‘New Suncorp car insurance’ excludes QLD CTP and Suncorp Roadside Assist)

Refer to the T&Cs .

Buy Car & Home insurance to Save 20% off your second policy before 31 July!

New Customers

When you buy a new eligible Suncorp policy , you will then be provided a link to save 20% off your second new eligible policy .

Current online discounts applied to the first policy only. Second policy will receive 20% off. Refer to full T&Cs

Existing Customers

If you already have an existing eligible policy , you can get 20% off your second new eligible policy .

Login to my account

Current online discount not available in conjunction with this offer. Refer to full T&Cs

For Assistance Call   13 11 55

Substantially Damaged

When your home is substantially damaged by an insured event (meaning the assessed quote to repair or rebuild is at least $50,000 or 10% of your home sum insured, whichever is more). Please refer to PDS for full Details.

Examples of resilience options

Cyclone and storm

 Swap existing materials for more resilient materials (eg tiles instead of carpet)

 Install cyclone washers and roof sarking

 Install cyclone shutters / metal roller blinds / garage door bracing

 Raise external services around the home (eg air conditioning units, hot water systems, pool pump)

 Install metal gutters and metal gutter guards with apertures less than 1.8mm

 Install draught stoppers for windows and doors

 Install roof sprinklers

Other Common Claims

 Replace and install all flexi hoses in the home

 Install solid core doors or upgrade deadlocks

The above are examples only. Resiliency building enhancements will be discussed with eligible customers who meet the claim requirements and will depend on the level of cover they hold.

Full list of insured events

Flood means the covering of normally dry land by water that has escaped or been released from the normal confines of things like a lake, river, reservoir, canal or other natural watercourse.

Actions or movements of the sea or storm surge are not covered. Some things we don't cover are damage to retaining walls, jetties, pontoons and garden borders.

Loss or damage caused by fire (includes bushfire) and heat, ash, soot and smoke that is a direct result of a fire within 100 metres of the insured address.

It doesn’t include arcing, scorching or cigarette burns unless a fire spreads from the initial burn spot.

Pollution or vapour damage by a home heater or cooking appliance is covered if a fire spreads from the initial source.

If there is a bushfire in your area, we also cover the cost of replacing water in any tank, container, pool, spa and any other storage vessel, even if there is no physical damage to your property. The most we will pay is $1,000.

Malicious acts

Malicious acts or vandalism includes things like vandals damaging your letterbox or painting graffiti on your home.

It doesn't include damage caused by someone who lives or is staying at the insured address or who entered the insured address with your consent.

Impact covers damage caused by impact from things like a falling tree, power poles, tv antennas, aircrafts, motor vehicles and even space debris.

It doesn't include damage caused by trees being lopped, felled or transplanted by you or for you.

Storm means a storm, cyclone or severe atmospheric disturbance. It can be accompanied by strong winds, rain, lightning, hail, snow, or dust.

It includes loss or damage caused by a landslide or subsidence within 72 hours of, and directly because of, a storm and not because of erosion, structural fault or design fault.

Theft or burglary occurs when someone enters the insured address without your consent and steals or intends to steal items.

We don't cover loss or damage caused by thieves or burglars entering the insured address from common property without signs of forced entry, or loss or damage caused by anyone living at the address.

Damage by animal

This covers loss or damage caused by an animal that becomes accidentally trapped inside your home.

We don't cover damage caused by any animal you own or are responsible for, or has been allowed onto the insured address, or damage caused by insects, vermin or rodents (unless the damage they caused is covered under fire or escape of liquid).

Riot and civil commotion

An example of a riot, civil commotion or public disturbance event would be damage caused by a violent crowd moving down your street.

It doesn't cover loss or damage caused by someone who had consent to enter the insured address and doesn't cover loss or damage if anyone living at the insured address participated in the disturbance.

We cover loss or damage caused by an explosion but we don't cover the cost of repairing or replacing the container or tank that exploded.

Escape of liquid

This covers damage caused by liquid leaking, overflowing or bursting from things like your fridge, washing machine, bath (but not shower), toilet, fixed pipes (except agricultural pipes), swimming pool, water main, fixed cooling system or an aquarium.

We do not cover the cost of fixing the leak itself, wear, tear and gradual deterioration or loss or damage as a result of a gradual process of liquid leaking, splashing, dripping or overflowing. See the PDS for more details on what we don't cover.

Lightning, including power surges caused by lightning, will be covered providing a qualified repairer gives written confirmation to show lightning as the cause of loss or damage and the Australian Government Bureau of Meteorology has a record of lightning in the area.

Earthquake and tsunami

We cover damage that occurs within the first 72 hours following an earthquake or tsunami.

This includes cover for damage caused by a landslide or subsidence within 72 hours of, and directly because of, an earthquake or tsunami. It doesn't cover damage caused by erosion over time or a structural or design fault.

  • Damage by an animal
  • Riot, civil commotion or public disturbance
  • Earthquake and tsunami ^

# Actions or movements of the sea and loss or damage caused by storm surge (unless the storm surge damage occurs at the same time as damage caused by a storm) are not covered. We don't cover retaining walls or flood damage to wharves, jetties, pontoons, other exclusions apply. ^ We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.

Damage from physical injury or incident

We’ll cover you for loss or damage to and /or soiling of your contents as a result of physical assaults or death.

Fatal injury compensation

We’ll make a payment to your estate if you die within 12 months as a direct result of an event we cover occurring that also resulted in a claim for damage to your home being accepted.

Prevention of access when you have home cover

We’ll cover your reasonable temporary accommodation costs if your home becomes inaccessible from an incident such as burst water main (see PDS for full list of incidents).

Removal of debris

We’ll cover the cost to demolish and remove damaged parts of your home and remove debris from your insured address after an insured event.

We’ll cover loss or damage to your home that occurs without intent e.g. losing, breaking or damaging something.

This provides a buffer if the cost of repairing or replacing your home is more than the amount you insured it for. For example, with a 25% Safety Net, if your sum insured is $400,000, we’ll cover you for up to a further $100,000 for a total of $500,000. An extra premium applies if you choose to add this option to your Classic cover, but if you choose Classic Extras or Classic Advantages cover, Safety Net is included automatically.

Prevention of access

Exploratory costs where leak is not covered under insured event ‘Escape of liquid’

We’ll cover your costs to locate the source of liquid escaping or overflowing at the home and to repair and restore the damage to your home caused by exploratory work.

Limits apply - see the PDS for further details.

Security attendance fees

We’ll cover the fees charged by your security provider to respond to your monitored alarm if activated by a break in or attempted break in. Limits, exclusions and conditions apply.

Lock replacement

We’ll cover the costs to replace or recode your home’s external door or window locks if your keys are stolen anywhere in Australia or New Zealand.

Mortgage discharge costs

If we pay a claim for your home to a credit provider that fully repays your home loan we’ll pay the administrative and legal costs of discharging the mortgage or deleting the mortgagee from your home’s land title.

Environmental improvements

We’ll contribute to the costs associated with purchasing and installing environmental improvements such as rainwater tanks, solar systems or compost equipment. Limits, exclusions and conditions apply.

Damage to gardens and plants

We’ll cover the cost to replace trees, shrubs, plants, hedges and garden beds if they have been damaged as a result of an event we cover that also caused damage to your home at the same time for which we have accepted a claim.

Other repair/rebuilding costs

When we rebuild or repair your home we’ll cover extra costs for: the services of professionals such as architects or surveyors; temporary work required to make your home safe; and ensuring the damaged parts of your home comply with current building regulations.

The most we will pay under this cover for any one incident, is the building sum insured, less any amount paid for accidental loss or damage under any other part of your policy for the same incident.

Limits, exclusions and conditions apply.

We’ll cover the cost to demolish and remove damaged parts of your home after an insured event.

Energy costs for loss of supply of renewable energy

If an event that we cover damages your home and we have accepted a claim and your green energy generation equipment is also damaged at the same time we’ll cover the increase in your electricity costs that you incur due to the damage to the green energy generation equipment.

Storage of undamaged contents

We’ll cover the cost of storing undamaged contents after an insured event.

Temporary accommodation costs

We’ll cover temporary accommodation costs if you aren’t able to live in your home due to an event that we cover causing damage to your home and cannot be lived in. Limits, exclusions and conditions apply. 

Personal valuables

You can cover your personal items that you would normally carry with you away from your home, such as jewellery, mobile phones and laptops. Check the PDS for the full list of items and how you can cover them.

Collections, sets and memorabilia

Including stamps, stamp collections, collectors’ pins, medals and collectors’ non-negotiable currency.

Prevention of access when you have contents cover

We’ll cover your reasonable temporary accommodation costs if your home or unit becomes inaccessible from an incident such as a burst water main (see PDS for full list of incidents).

Contents in commercial storage

We’ll extend your contents cover to cover your contents stored in a secure commercial storage facility for loss or damage caused by an event we cover. Limits, exclusions and conditions apply.

Contents temporarily removed

We’ll cover your contents for loss or damage by an event we cover if they are temporarily removed to another residence in Australia in which you are temporarily residing (such as a hotel), or in a bank deposit box and an event occurs at this new location.

Financial transaction card cover

We’ll cover your loss if your credit cards or other financial transaction cards are stolen from the home and used fraudulently. Conditions apply.

Visitors’ contents

We’ll cover loss or damage to contents owned by invited visitors caused by an event we cover. Limits, exclusions and conditions apply.

Food and medication spoilage

We’ll cover spoilage of refrigerated food, frozen food and refrigerated medicines. Limits, exclusions and conditions apply.

Contents in transit

Supplementary living expenses

We’ll cover you for reasonable increases in your normal living expenses to maintain your normal standard of living following an event that we cover if, as a result of the event, your insured address cannot be lived in.

Contents on common property

We’ll cover contents attached to common areas if your contents are insured in a unit.

Extra costs to re-establish important documents

If we accept a claim under your contents cover, we’ll cover your costs to replace documents, such as passports and licences, if they are also lost or damaged as a result of the event that occurred.

We’ll make a payment to your estate if you die within 12 months as a direct result of an event we cover occurring that also resulted in a claim for damage to your contents being accepted.

Paraplegia or quadriplegia assistance

We’ll pay reasonable and necessary costs to modify your home or assist you to relocate to a new residence if you are injured as a direct result of an event that we cover where we have accepted a claim to your home for that event.

We’ll cover the cost to dispose of your damaged contents after an event that we cover.

Temporary accommodation for tenants or strata title owners

We’ll cover temporary accommodation costs if you aren’t able to live at the insured address due to an event that we cover causing damage to the home and cannot be lived in. Limits, exclusions and conditions apply.

If a pet dog or cat shown on your certificate of insurance is injured in an incident, we’ll pay for necessary veterinary treatment (up to $2000 per accident). Extra premium and injury to pet dogs and cats excess will apply.

Covers the burning out or fusing of electric motors that are part of your home and equal to or less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges (if you have contents cover). An extra premium applies if you choose to add this to your Classic cover while if you have Classic Extras or Classic Advantages it is automatically included in your cover.

We’ll cover loss or damage to your contents that occurs without intent e.g. losing, breaking or damaging something.

Portable advantages

Cover your:

  • contents for accidental loss or damage anywhere in Australia or New Zealand when they are temporarily removed from the insured address (up to 180 consecutive days); or
  • jewellery and watches when they are outside Australia and New Zealand for up to 100 consecutive days (but only when worn by you or secured in a safe).

We don’t offer this feature online – call us on  13 11 55  to find out more. Extra premium applies.

Cover for personal valuables you would normally carry with you away from your home, such as jewellery, mobile phones and laptops. Check the PDS for the full list of items and how you can cover them.

Legal liability

If you have property cover we’ll cover your legal liability to pay compensation for death or bodily injury to other people; or loss or damage to their property resulting from an incident in connection with you owning the property and which happens at the insured address.

Accidental damage at the property

We’ll cover loss or damage to your property or contents that occurs without intent e.g. losing, breaking or damaging something. Conditions apply.

Covers the burning out or fusing of electric motors that are part of your household equipment or appliance which are part of your contents and where the motor is equal to or less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges. An extra premium applies if you choose to add this option to your cover. This optional cover has its own excess, and the standard excess does not apply.

Safety net protection

If the cost to repair or replace your property is more than the sum insured you nominated by having this option on your policy we will pay an additional percentage of your property sum insured to repair or replace your property or pay you what it would have cost us to do this.

We will cover loss or damage that occurs without intent (i.e. losing, breaking or damaging something)

Net cost is the amount you spend after deducting any government subsidy to which you are entitled to at the date of the loss, whether you claim this subsidy or not. You must supply us with proof of the amount you spent before we will pay you.

Accidental Glass Breakage

When you have home cover, this covers things like fixed glass in windows, doors, skylights, shower-bath combos, toilets, basins, baths and the glass that forms part of a fixed cooking or heating appliance.

This doesn’t cover loss or damage caused by the broken items.

Modal Title

Suncorp Insurance Home Assist does not cover general maintenance, such as the provision or replacement of windows, doors, glass, tiles, carpets and of fittings and fixtures. Other exclusions apply — Read the Suncorp Insurance Home Assist  Terms & Conditions .

Suncorp Insurance Home Assist does not cover preventative services, such as the removal of property, rubbish or debris. Read the Suncorp Insurance Home Assist  Terms & Conditions .

Suncorp Insurance Home Assist is not an emergency rescue or disaster response service. Read the Suncorp Insurance Home Assist  Terms & Conditions to find out more.

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COOKIE AND DATA POLICY We use cookies and other related technologies to improve and tailor your website experience. See our  Cookie and Data Policy . This policy provides information about how Suncorp collects and uses data related to your online activity, and how you can choose to remain anonymous.

Products and services including banking, home loans and insurance are provided by different entities of the Suncorp Group. Suncorp Bank (Suncorp-Metway Ltd ABN 66 010 831 722) is only liable for the banking and home loan products or services it provides and not the products and services of other companies in the Suncorp Group.

Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.

GENERAL INSURANCE General Insurance (including Home Building, Home Contents, Landlord, Strata, Car, CTP, Motorcycle, Caravan, Motorhome, Boat Insurance, Business Insurance and Barristers Insurance) is issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance.

SUNCORP HEALTH INSURANCE Suncorp Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib. Read the  policy booklet  before buying this insurance.

SUNCORP LIFE INSURANCE Suncorp Life Insurance products, other than in some circumstances the Redundancy Benefit, are issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies are not part of the Suncorp Group. TAL Life uses the Suncorp brand under licence from the Suncorp Group. Redundancy Benefit provided on or before 31st March 2020 was issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) which is part of the Suncorp Group. New Redundancy Benefit policies and renewals offered from 1st April 2020 are issued by TAL Life. The different entities of TAL and the Suncorp Group of companies are not responsible for, or liable in respect of, products and services provided by the other.

Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct). General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Product you must read the relevant Product Disclosure Statement . The Target Market Determination (TMD)  for the product is also available.

TAL Life is proud to have adopted the Life Insurance Code of Practice (Code) . The Code has been developed voluntarily by the Life Insurance industry to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities.

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Guide To CTP Insurance In QLD

Published: May 7, 2024, 3:09pm

Table of Contents

What is ctp, how does ctp work in queensland, which ctp insurers service queensland, what information do ctp insurers need in queensland, does ctp cover damage in queensland, how much does ctp cost in queensland, frequently asked questions (faqs).

Half of Australia’s states and territories offer drivers a choice of Compulsory Third Party (CTP) insurer and Queensland is one of them.

CTP insurance is a legal requirement in Australia, covering you should you, or someone else driving your car, injure somebody or cause their death. While you cannot choose to go without this basic level of car insurance, living in a state such as Queensland allows drivers to select an insurer based on its individual offering and incentives. Find out more about how CTP works in Queensland below.

If you own a car in Australia, you’ll need CTP as well as rego. CTP will cover you if you’re involved in a car accident where you injure or kill another driver, motorcyclist, cyclist, passenger or pedestrian.

Benefits are paid to the injured individual based on the extent of their injuries. In Queensland, these benefits can cover the cost of an ambulance, a hospital stay, medical treatment, rehabilitation, loss of income and long-term care. Payout limits may apply, including for loss of income, which has a cap equivalent to three times average weekly earnings per week. The family of someone deceased can receive a payout for loss and expenses.

You can find out how CTP insurance works in other states and territories.

Each state and territory has its own process for taking out CTP insurance. In Queensland, the car dealer selling the vehicle will likely arrange CTP cover and rego.

Alternatively, you can purchase your cover at one of the following places:

  • Transport and motoring service centre
  • Magistrates court
  • QGAP office
  • Local police station (if you live in a rural area).

Remember to contact whichever place you choose before visiting, to ensure they provide the service.

The National Injury Insurance Scheme, Queensland also provides protection for at-fault drivers injured in an accident, for permanent spinal cord injuries, traumatic brain injuries, severe burns, multiple or high-level limb amputations, permanent blindness caused by trauma and permanent injury to the brachial plexus (a network of nerves that runs from the shoulder into the chest and down to the hand).

You can opt for cover from QBE, Allianz or Suncorp. RACQ used to also service Queensland, but stopped offering new CTP insurance policies on 1 October 2023.

Cover terms can be as short as one or three months before needing to be renewed, or six or 12 months long. Before taking out a CTP policy, you can run quotes online and find out how much the cover costs, and which provider has the best offering. For example, Suncorp provides a ‘multi-policy’ discount to those who have more than one policy with it and QBE offers a complimentary gift card to new customers.

To get a quote for a CTP purchase or renewal in Queensland, you will need to furnish an insurer with information such as:

  • The due date shown on your vehicle registration renewal notice
  • The vehicle class – Class 1 is cars and station wagons
  • The number of months you require cover: one, three, six or 12.

You’ll also need to state whether your policy premium is subject to Input Tax Credit Entitlement (ITCE), which only applies to vehicles used for business, when you have completed a Business Activity Statement for GST purposes.

Under no circumstances does CTP cover damage done to property, including a car, wherever you are located in Australia. For damage cover, you can take out one of three types of optional car insurance, in addition to CTP:

  • Third party property damage : The most basic type of optional car insurance covering damage you’ve caused to someone else’s vehicle or property, if you’re liable for it.
  • Third party, fire and theft : The next level up in insurance from third party property damage, it provides the same cover, but also extends to damage to your own car, caused by fire or theft.
  • Comprehensive : This is typically the most expensive type of cover, but can offer the most peace of mind, as it provides the widest range of benefits, including car hire while your vehicle is being repaired, or a replacement for your car if it’s written off following an incident.

We ran quotes online and were offered the following:

QBE: $369.60 Suncorp: $369.60 Allianz: $369.60

Suncorp also offers a ‘multi-policy’ discount should you have more than one policy with it, while new customers of QBE can receive a $25 or $50 gift card if they choose a 12-month policy term.

We populated the online tool with the following details:

• Due date shown on your vehicle registration renewal notice: 2.5.24 • Vehicle class: Class 1 (cars and station wagons) • Input Tax Credit Entitlement (ITCE): None • Period you want to cover: 12 months.

Do drivers need CTP insurance in Queensland?

Yes, CTP insurance is mandatory throughout Australia, working as a safeguard for motorists in the most serious of road accidents.

According to Queensland’s Accident Motor Insurance Commission, the average cost of a CTP insurance claim is around $100,000, while some claims can cost millions of dollars. Without CTP insurance in place, it would be the responsibility of the at-fault driver to compensate the injured party out of pocket, which could be a life-long, life-changing burden.

How do I claim on CTP Insurance in Queensland?

To claim on CTP, you should:

  • Report the crash to the police by calling 000, if you are a driver at the scene of the accident. You should note the reference number (QP number) given for your report, to add to the claims form, you will need to fill out. If you are injured in a crash that has not yet been reported, you can complete a Report of Traffic Incident to Police Form and take it to a police station or report the crash to a police station, and add the report reference number (QP number) provided to your claims form.
  • Take down the registration number of the vehicle that caused the crash. You will need this information to find the associated CTP insurer online.
  • Complete a claims form , providing supporting documents such as proof of identity and a medical certificate for the injury you have sustained. You can submit your form online or send it to the CTP insurer of the at-fault driver.

Remember to take note of the timeframes for claiming. You can find more information about the process on Queensland’s Motor Accident insurance Commission’s website .

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Work Health and Safety and Other Legislation Amendment Act 2024

The Work Health and Safety and Other Legislation Amendment Act 2024 (WHSOLA Act), implements legislative change from the 2022 Review of Queensland's Work Health and Safety Act 2011 , as well as recommendations from the national 2018 Review of the Model Work Health and Safety Laws (Boland Review).

Its primary focus is to strengthen worker protection and representation, while also encouraging the uptake of health and safety representatives (HSRs) in the workplace.

The WHSOLA Act amends the Work Health and Safety Act 2011 (WHS Act) and Safety in Recreational Water Activities Act 2011 .

WHSQ is preparing guidance to help you navigate these changes as they go live.

Ensure you stay up to date on changes by checking this page, subscribing to our eNEWS and following our social channels .

Download the timeline of changes (PDF, 0.34 MB) and the stakeholder communication kit (PDF, 5.66 MB) for helpful FAQs, key messages and resources.

The below outlines upcoming legislative changes contained in the WHSOLA Act. Commencement dates for the new provisions vary to allow systems and processes to be put in place to support these changes.

Changes now in effect

Changes proposed to commence on 20 may 2024, changes proposed to commence on 29 july 2024.

Commencement dates are subject to change, dates provided are indicative only.

Prohibition on insurance for fines

The prohibition on using insurance arrangements to avoid responsibility for paying work health and safety penalties has already come into effect. The effectiveness of monetary penalties (e.g. a fine) as a deterrent is significantly undermined if businesses can take out insurance to cover this cost. Both the WHS Act and Safety in Recreational Water Activities Act 2011 prohibit a person entering into, providing or benefiting from an insurance contract or arrangement that purports to cover monetary penalties under these Acts.

Learn more about the prohibition on insurance .

Rail Safety National Law (Queensland) clarification

Schedule 1 of the WHS Act has been amended to clarify that the WHS Act and Rail Safety National Law (Queensland) apply concurrently.

Worker representation and consultation

This amendment clarifies who can be involved in addressing work health and safety issues at a workplace. It includes suitable entities that can represent health and safety representatives (HSR) and workers. A suitable entity for representing, or assisting a worker or the HSR, means a relevant union for the worker, or another entity authorised by the worker or representative to represent or assist them, that is not an excluded entity. An excluded entity for representing or assisting a worker or HSR includes:

  • a union that is not a relevant union for the worker
  • an entity, other than a union, that is an association of employees or independent contractors
  • an entity, other than a union or an association of employees or independent contractors, that represents, or purports to represent, the industrial interests of the worker or representative
  • an entity that demands or receives a fee from another excluded entity for representing, or purporting to represent the industrial interests of the workers or representative
  • an officer, employee, agent of an excluded entity.

A relevant union means a union of which the worker is a member, or is eligible to be a member, and whose rules entitle the union to represent the worker’s industrial interests. The union must be an employee organisation registered under the Fair Work (Registered Organisations) Act 2009 (Cth) or Industrial Relations Act 2016 .

Entry Permit Holders (EPH)

Amendments clarify the rights and responsibilities of WHS entry permit holders (EPH), and ensure they have access to necessary information to fulfill their roles effectively.

  • An EPH can enter a workplace for the purpose of giving notice of entry. A notice is not invalid merely because it contains a minor administrative error (e.g. a spelling error or incorrect name of a person or relevant union which is otherwise sufficiently identified in the notice).
  • An EPH can enter a workplace to inquire into suspected contraventions of the WHS Act or Electrical Safety Act 2002 and remain at the workplace, during its normal working hours, for the time necessary to achieve the purpose of entry.
  • An EPH who has given notice of entry for a suspected contravention is not required to give additional notice to view relevant employee records or other documents held or accessible at the workplace, or to consult workers about the suspected contravention.
  • It is not reasonable for a person conducting a business or undertaking (PCBU) to request the EPH to comply with a WHS requirement if it would unduly delay, unreasonably prevent or hinder the EPH exercising a right of entry (e.g. requiring off-site induction at a location far from where entry is sought, or unnecessary use of exclusion zones).
  • Information obtained by an EPH when inquiring into a suspected contravention may be used or disclosed if a person reasonably believes it is necessary to lessen or prevent a serious threat to public health or safety, whether in relation to the suspected contravention or more generally. This is intended to allow use or disclosure of information for public awareness or education.

Regulator information sharing, obtaining, use and disclosure of information

Minor technical amendments to improve the operation of the WHS Act include:

  • clarifying the regulator’s powers to obtain information has extraterritorial application (e.g. outside Queensland)
  • a consistent approach to issuing and serving notices to obtain information
  • clarifying information sharing between regulators.

Inspector powers

  • allowing a person to answer questions by audio or audio-visual link rather than attending in person before an inspector
  • a consistent approach to serving notices for a person to produce a document or answer questions.

Prosecutions

Amendments relating to prosecutions include:

  • extending the 12-month timeframe to 18 months after an act or omission for a person to request the WHS Prosecutor bring a prosecution for a Category 1 or 2 offence
  • providing a request can be made within six months of a coronial report, or a coronial inquiry or inquest ending
  • requiring the regulator to provide written updates on investigations every three months to a person who has made a request until a decision is made on whether a prosecution will be brought
  • the WHS Prosecutor can authorise an appropriately qualified member of staff from their office to bring proceedings under the WHS Act.

Reviews of codes of practice

Codes of practice must be reviewed at least every five years, rather than expire after five years.

Process to establish industry sector standing committees

The Minister may establish industry sector standing committees by gazette notice. No more than ten committees may exist at any point in time.

Name change for the Consultative Committee

The Persons Affected by Work-related Fatalities and Serious Incidents Consultative Committee is re-named as the Consultative Committee for Work-related Fatalities and Serious Incidents, informally known as the “Consultative Committee”.

Consultation with workers and their representatives

A person conducting a business or undertaking (PCBU) must consult with a representative of the workers if this is requested by one or more of the workers. Where this consultation is to be carried out at the workplace, the PCBU must carry out the consultation at the time and place agreed to by the parties.

A PCBU must share relevant information with workers when carrying out consultation about a matter, but this does not require a PCBU to allow representatives to have access to identifying personal or medical information about workers (unless the worker has given consent) or confidential commercial information.

Election of HSRs

Amendments to promote the election of health and safety representatives (HSRs) to represent workers in a work group include:

  • a person conducting a business or undertaking (PCBU) must not intentionally hinder, prevent, or discourage a worker from requesting an election for HSRs
  • a PCBU must not intentionally hinder, prevent or discourage the election of an HSR or deputy HSR or a person conducting the election from following election procedures
  • their right to request the election of HSRs and establish work groups
  • the role, powers and functions of HSRs and the process for electing them, and
  • who can represent workers during negotiations about work groups
  • a PCBU must invite workers to request the facilitation of an election for one or more HSR.

Further guidance will be developed to assist PCBUs in providing this information.

Determining work groups for HSRs

Amendments providing a clear process and timeframe for work group negotiations include:

  • the person conducting a business or undertaking (PCBU)
  • the workers who are proposed to form the work group or their representatives
  • a relevant union for a worker if the union notifies the PCBU in writing they want to be a party to the negotiation and agreement.
  • if a worker’s representative or relevant union are a party to the negotiations to be carried out at the workplace, the parties must agree on when and where the workplace negotiations are to be carried out, and ensure they are carried out at the agreed time and place.
  • negotiations must be completed within 14 days of the request for the facilitation of an election for a health and safety representative, but the completion date can be extended if the parties mutually agree.
  • if negotiations to make or vary an agreement fail, any person who is a party to the negotiations may ask the regulator to appoint an inspector to assist the parties in reaching an agreement.
  • an inspector must first attempt to assist the parties and if they reasonably believe the parties are unlikely to reach an agreement within seven days, the inspector must make a decision about the work group negotiations within seven days.
  • an inspector’s decision will not be subject to internal review, and any dispute about the decision can proceed to the Queensland Industrial Relations Commission.

Powers and functions of HSRs

The powers and functions of health and safety representatives (HSRs) are amended to:

  • empower HSRs to request and receive information concerning the work health and safety of workers in the work group
  • allow HSRs to accompany an entry permit holder (EPH) at the workplace where the EPH’s reason for entry relates to the HSR’s work group
  • enable an HSR to request assistance from a suitable entity for the HSR (this amendment is proposed to commence in May 2024).

HSRs and ceasing unsafe work

A health and safety representative’s (HSR) power to direct that unsafe work cease is amended so that:

  • the direction to cease work by an HSR must be issued to the person conducting a business or undertaking (PCBU) if attempts to resolve the matter have failed
  • the direction to cease work is provided in writing through a cease work notice
  • the PCBU must direct workers to cease unsafe work until such time as the issue is resolved or the direction is set aside under the dispute resolution process
  • the HSR must display the cease work notice in a prominent place for workers in the affected work group.

HSRs retain the ability to issue a cease work direction to a worker in circumstances where there is an immediate exposure to a risk so serious that prior consultation with the PCBU is not reasonable.

WHSQ will be developing a template cease work notice for HSRs.

Provisional improvement notices

A health and safety representative can issue a provisional improvement notice (PIN) if they reasonably believe a person is contravening the WHS Act and it is likely the contravention will continue or be repeated. The timeframe for complying with a PIN is reduced from eight days to four days, except in circumstances where all parties agree to extend the timeframe.

The period for when a person can ask the regulator to appoint an inspector to review a PIN is reduced to three days.

HSR choice of training provider and remuneration

Amendments to clarify the rights of health and safety representatives (HSRs) in relation to HSR training include:

  • HSRs can choose their own training provider for the HSR training courses that have been approved by the regulator
  • the person conducting a business or undertaking (PCBU) must allow the HSR to attend the training and ensure HSRs receive their usual pay (including overtime, penalties, and allowances) they would get if they were performing their normal duties
  • HSRs who are part time and work extra hours to attend training must be paid their regular wage for those additional hours
  • if a PCBU and HSR cannot reach agreement about these matters, either party may ask the regulator to appoint an inspector to assist in resolving the matter.

PCBU’s general obligations to HSRs

Amendments clarifying a person conducting a business or undertaking’s (PCBU) general obligations in relation to health and safety representatives (HSRs) include:

  • allowing access to information the HSR is entitled to request
  • informing HSRs about notices issued by an inspector or WHS entry permit holder (EPH), and providing a copy to the HSR if the PCBU has been given the notice
  • giving the HSR a copy of incident notifications made to the regulator
  • when HSRs must be informed that an EPH or inspector has entered the workplace
  • allowing the HSR to accompany the EPH or inspector at the workplace
  • paying an HSR exercising their powers or functions under the Act the amount (including any overtime, penalties or allowances) they would get if they were performing their normal duties during the same period
  • if a dispute arises between the PCBU and HSR about refusal to grant access to information or give a copy of a notice, the HSR may ask the regulator to appoint an inspector to assist in resolving the dispute.

Establishing Health and Safety Committees

Amendments providing a clear process and timeframe for establishing a health and safety committee (HSC) include:

  • a person conducting a business or undertaking (PCBU) must establish an HSC as soon as practicable but not later than 28 days after receiving a request to do so.
  • if the parties are unlikely to reach agreement within 28 days, they may ask the regulator to appoint an inspector to assist the parties reach agreement about the constitution of an HSC.
  • if the inspector reasonably believes the parties are unlikely to reach an agreement with seven days of being appointed to assist, the inspector must make a decision about the HSC.

Discriminatory conduct

The WHSOLA Act ensures that discriminatory conduct also includes where a worker is treated less favourably than other workers of the person on the basis the worker has been or seeks to be involved in WHS issues in the workplace.

The jurisdiction of civil proceedings for discriminatory or coercive conduct is now with the Queensland Industrial Relations Commission.

Issue and dispute resolution process

The WHSOLA Act streamlines the issue and dispute resolution process by clarifying the role of inspectors, the Queensland Industrial Relations Commission (QIRC), and the standing of worker representatives. This facilitates efficient resolution of safety-related issues and means more WHS matters can be taken to the QIRC.

Pathways for dispute resolution

The WHSOLA Act has split dispute resolution into two pathways.

The first pathway is where an inspector is required to first make a decision before the matter can be referred to the QIRC. These matters relate to work group determinations, work group variations and the constitution of health and safety committees.

The second pathway is for matters where parties to an issue can either request an inspector to be appointed to assist with resolving the matter (and then refer the matter to the QIRC) or directly take a dispute to the QIRC.

These matters include disputes about:

  • health and safety representative (HSR) access to information or copies of particular notices
  • access to a workplace by a person assisting an HSR
  • HSR training
  • HSR issuing a cease work direction
  • WHS matters where the issue dispute resolution applies.

Jurisdiction of QIRC, proceedings and prosecutions

The WHSOLA Act provides that the following matters will now be considered by the Queensland Industrial Relations Commission (QIRC):

  • civil proceedings for discriminatory and coercive conduct, and
  • WHS civil penalty proceedings.

Costs awarded by the QIRC for external reviews under section 229 of the WHS Act will now be limited to costs of the hearing.

The WHSOLA Act also clarifies who has standing to commence WHS civil penalty proceedings. The WHS Prosecutor and an authorised member of the WHS Prosecutor’s staff have standing to bring an order for all civil penalty proceedings. In addition, a relevant union, a WHS entry permit holder and a person affected by a contravention have standing to bring an order in relation to exercising entry permit holder rights of entry under sections 126, 144(1), 145, 146 and 147(1) of the WHS Act.

Commencement of other changes by proclamation at a future date to be determined

The following amendments in the WHSOLA Act will commence on a date to be proclaimed in the future:

  • HSRs and EPHs being able to request information in improvement, prohibition and non-disturbance notices from the regulator
  • prescribing high risk plant for non-workplace areas by regulation and a consequential amendment to the Public Health Act

Commencement dates are subject to change and the dates provided are indicative only.

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    Suncorp Home and Contents Insurance provides cover for your home and its contents for a wide range of risks, including fire, theft, flood, and storm. Suncorp Insurance offers a discount on Home and Contents Insurance when you get a quote and buy online. Paying the annual sum of your premium will be cheaper compared to paying it monthly

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    Home and contents insurance covers your house and possessions against damage caused by an insured event such as fire, flood, storm or theft. It includes new-for-old repair or replacement and the option to cover personal valuables like your mobile phone, laptop, or bicycle (if not racing or pace-making).

  23. CTP Insurance In Queensland: A guide

    RACQ used to also service Queensland, but stopped offering new CTP insurance policies on 1 October 2023. Cover terms can be as short as one or three months before needing to be renewed, or six or ...

  24. Work Health and Safety and Other Legislation ...

    The Work Health and Safety and Other Legislation Amendment Act 2024 (WHSOLA Act), implements legislative change from the 2022 Review of Queensland's Work Health and Safety Act 2011, as well as recommendations from the national 2018 Review of the Model Work Health and Safety Laws (Boland Review). Its primary focus is to strengthen worker ...

  25. NSW Self Insurance Corporation Act 2004 No 106

    This Act is the NSW Self Insurance Corporation Act 2004. 2 Commencement. This Act commences on a day or days to be appointed by proclamation. 3 Definitions. (1) In this Act—. builder means a person who carries on the business of doing residential building work. building management service provider means a person who provides builders with ...