Insurance Online :: Home

Personal & Business Insurance In Australia

Personal and business insurance can help households, professionals and business owners manage the financial impact of property damage, illness or liability claims. Understanding cover types, excesses and replacement costs can help you identify gaps and weigh costs against protection. Explore our insurance articles, guides, calculators and news ... or connect with an insurance broker from our Australia-wide referral partner network who can discuss your needs and compare available rates and options.

  • Private and Commercial Vehicle Insurance
  • Trades Insurance Considerations
  • Business and Personal Insurance
  • Farm and Livestock Insurance
  • Cyber Liability Insurance

Start Your Quote Here!

First Name:
Postcode:

All quotes are provided obligation-free by a participating broker from our national referral partner network. We respect your Privacy.

Insurance quotes are provided by a selected broker from our referral network and may not represent all providers in the market. We may receive a referral fee at no cost to you. We do not provide financial advice or credit assistance directly.

Personal Advice

Insurance Online does not provide financial product advice or claims assistance directly. After you submit a quote request, a licensed participating broker from our Australia-wide referral partner network may contact you directly to discuss quote comparisons, claims assistance and personal advice, subject to their services and authorisation.

Free Quote

Broker Matching

A participating insurance broker may be assigned to your enquiry based on the product/category and location provided in your insurance quote request, as well as broker availability and operational factors such as bidding settings. For this reason, it is important that you provide complete and accurate answers when you submit your enquiry.

Find a Broker

Insurance Online News

Podcast Cover Image This week: SME cyber insurance premiums are easing and policies are simpler, but uptake remains low. The ACCC pushed its decision on IAGs proposed RAC Insurance takeover to 1 February with remedies on access and pricing in WA. ARPCs annual report shows two terrorism declarations and a busy cyclone season, reinforcing the need to review cover ahead of summer. A life insurance review urges earlier information requests to speed up income protection and TPD claims. Listeners are invited to compare policies and seek broker help at insuranceonline.com.au.

Public Liability Insurance Calculator

Public Liability Insurance Calculator image

Explore your public liability insurance needs with our Public Liability Insurance Calculator. Estimate potential cover amounts for your business and explore how different liability risks, business circumstances and coverage assumptions may influence the results.

The Great Australian Side-Hustle

The Great Australian Side-Hustle image

Filled with over 50 creative ideas for earning extra money online and offline, this book has something for everyone. From renting out a spare room on Airbnb to offering your services as a personal shopper or tutor, you'll find a wide variety of side hustle ideas to choose from. In addition to the ideas, you'll also find valuable tips for success to help you turn your side hustle into a profitable and rewarding venture. So don't wait any longer, download your free copy of "The Great Australian Side Hustle" now and start your journey towards financial freedom today!

Frequently Asked Questions

    Customer Feedback

    ★★★★★

    "The broker was fantastic and very helpful. He made the whole process very simple and explained everything in detail with very good suggestions. Will recommend him and look forward to future dealings with him. Thank You"

    These are genuine reviews from customers who have used our broker referral service. We work with licensed finance and insurance professionals across Australia and continually monitor the quality of our network, however individual experiences and outcomes may vary

    Insurance Information & Guides

    Explore Rates & Options>

    Frequently Asked Questions


    Insurance News

    Life Claims Review Puts Communication Back in Focus
    Life Claims Review Puts Communication Back in Focus
    04 Nov 2026: Paige Estritori
    A new Life Code Compliance Committee inquiry has sharpened attention on how life insurers manage longer-running total and permanent disability and income protection claims, finding that earlier information requests and clearer communication could reduce avoidable delays for people already dealing with illness, injury or loss of income. - read more
    Stronger Insurance Code Moves Closer to Approval
    Stronger Insurance Code Moves Closer to Approval
    28 Oct 2026: Paige Estritori
    Australia's general insurance industry has moved a step closer to a more enforceable customer service framework, after the Insurance Council of Australia submitted a strengthened General Insurance Code of Practice to ASIC on 22 October 2026. The redrafted code is not yet in force, but it signals a meaningful shift in how insurer promises on claims, hardship, vulnerability and accountability may operate once approved and transitioned into new and renewed policies. - read more
    What the Cyclone Pool Review Means for Insurance Buyers
    What the Cyclone Pool Review Means for Insurance Buyers
    16 Sep 2026: Paige Estritori
    Australia's cyclone reinsurance pool is again in the spotlight, with a fresh review sharpening attention on whether the scheme is delivering meaningful premium relief for households and small businesses in cyclone-exposed regions. The issue matters well beyond northern Australia, because it sits at the centre of a broader national challenge: how to keep insurance available, affordable and useful as severe weather risk becomes more costly to price. - read more
    Why the Latest Affordability Warning Matters for Insurance Buyers
    Why the Latest Affordability Warning Matters for Insurance Buyers
    19 Aug 2026: Paige Estritori
    Australia’s insurance affordability challenge is again in focus, with fresh industry attention on households and small businesses that are struggling to absorb higher premiums in areas exposed to flood, storm, cyclone and bushfire risk. The latest discussion is not simply about prices rising at renewal time. It points to a broader problem: when cover becomes harder to afford, more people are tempted to reduce protection, raise excesses or walk away from insurance altogether. - read more
    Severe Weather Claims Are a Reminder to Recheck Your Cover
    Severe Weather Claims Are a Reminder to Recheck Your Cover
    12 Aug 2026: Paige Estritori
    Australia's latest severe-weather claims updates are a timely reminder that insurance resilience is tested long before a claim is lodged. As insurers continue working through damage from recent storms, floods and cyclones, the bigger message for households and business owners is clear: cover needs to be practical, current and matched to real replacement costs. - read more
    Click for more Insurance News
    Insurance Articles

    Understanding Life Insurance in Australia: Types, Features and How to Compare Policies
    Understanding Life Insurance in Australia: Types, Features and How to Compare Policies
    Life insurance can provide financial support to nominated beneficiaries if the insured person dies. In Australia, life insurance decisions usually involve comparing cover types, benefits, premiums, exclusions and how the policy fits with household or business financial responsibilities. - read more
    How Insurance Claims Work in Australia: Steps, Documents and Common Issues
    How Insurance Claims Work in Australia: Steps, Documents and Common Issues
    Insurance claims can involve several stages, from notifying your insurer and providing documents to assessment, settlement and dispute resolution. This guide explains the general Australian claims process for personal and business insurance customers. - read more
    Business Insurance in Australia: A Practical Guide for Entrepreneurs
    Business Insurance in Australia: A Practical Guide for Entrepreneurs
    Business insurance can help Australian entrepreneurs manage financial risks linked to accidents, property damage, professional services, business disruption and emerging threats such as cyber incidents. This guide explains the main cover types, key policy terms and practical steps for comparing options without treating insurance as a one-size-fits-all decision. - read more
    How to Compare Boat Insurance Policies for Your Needs
    How to Compare Boat Insurance Policies for Your Needs
    Boat insurance can help protect a vessel against risks such as accidental damage, theft and liability for damage or injury caused to others. Comparing policies means looking beyond the premium and checking what is covered, what is excluded and how the insurer would value your boat if you needed to claim. - read more
    Business Interruption Insurance for Australian SMEs: How It Works
    Business Interruption Insurance for Australian SMEs: How It Works
    Business interruption insurance is designed to help a business manage the financial impact of a covered disruption that temporarily affects normal operations. For Australian small and medium-sized enterprises, understanding what this cover may include, when it may respond and how claims are assessed can support more informed business insurance planning. - read more

    Knowledgebase
    Claim:
    A formal request made by the policyholder to the insurance company for payment of a loss covered by the insurance policy.

    Quick Links: | Personal And Business Insurance Quotes | Compare Insurance Online | Insurance Brokers Australia | Best Personal Insurance | Business Insurance Comparison | Insurance Coverage Options | Life Insurance Quotes | Income Protection Insurance | Public Liability Insurance | Small Business Insurance | Insurance Calculator
    This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Unique Group Broker Services.
    IMPORTANT: We act solely as an introducer and refer enquiries to licensed third-party brokers, insurers, and lenders. We do not provide financial product advice or credit assistance. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.