Best Home and Contents Insurance

Web site for applying for insurance was easy to navigate. Information within the site was easy to understand. Follow up session on the phone was relevant and further explanation of the 'legal stuff' was once again explained well. Show details

So easy to complete and reasonably affordable. Very happy. Thankyou Show details

Both of the staff that assisted me were absolutely excellent. They were patient, kind and very informative. Truly exceptional customer service and lovely humans. Budget Direct is very fortunate to have them. Show details

Professional and friendly service. Best quotes that always save me $$$, way below other insurance companies. Easy policy set up, clear concise information. Definitely recommend Youi for service and $ savings. Show details

I have had home and contents insurance with Kogan for the last two years. Very happy' BE WARNED. Kogan was underwritten by QBE insurance, a company… Read more

with good reviews. Kogan has changed their provider to Allianz insurance. My renewal notice has increased dramatically. I will be going directly to QBE.

Easy process to transfer from one property to another. thank you! Show details

PATHETIC. After a robbery we were made to feel like the criminals, and it took two and a half months to get a payout. This company is only there to… Read more

look after its own interests, not the clients. The fees went up over a $1000 in 2 years. Good Riddens to huddle FOR EVER.

Do not take insurance with these guys we are still waiting on them to payout for a new roof,bad customer support, they will take the money but not payout when its needed Show details

Getting a Youi Quote for Landlords building Insurance Unlike most insurance companies, you cannot complete a quote online without an agent calling… Read more

you back. I found the agent personable and polite, but the process was frustrating and time-consuming as I had to repeat all the information I had already submitted online. During the call, the agent focused heavily on add-ons and extras I had not requested. Ultimately, despite their heavy TV advertising, the final quote was the most expensive I received—double the price of the cheapest competitor and 30% higher than the next most expensive. For me, this process was a waste of time.

Do not go with this company for home insurance. We had full home cover for our house and after a big storm hit our house, we had damage done to the… Read more

balcony that is above our garage. Since the big storm, we now have water leaking into the garage from the balcony above.

Alianz denied to approve our claim, because the "water was coming in from a balcony area and not a "roof"

Just twisting the words and weaving around their dirty worded clauses. Not covered my butt. What's the point of having home insurance if your house gets damaged in a big down pour and they wont cover it.

They are criminals.

Dont use them. They are pathetic.

Really easy to get a full quote with competitive pricing for my needs. I also like the benefits of discounts applied to a shop. I wish there was a… Read more

multi policy discount for both contents and car insurance, instead of having to call up to potential get a discount for that, unlike other insurance companies.

After being insured with Real home and contents insurance for around 20 years without making a claim, last year we claimed $400 for food spoilage as… Read more

our freezer stopped working. This year our premium was increased by more than 38% ie $666.13 increase. I contacted real insurance and they said that it was GST plus cost of repairs or replacement for claims ???? Wth. They did take $3 a month off when I complained (big deal) it seems to me that we are being penalized for making a claim after 20 years of not making a claim. I will definitely getting some more quotes to change to a fair insurance company.

Wow really impressed this year, renewal came through, price marginally dropped yet my insured building and contents had raised automatically. Very… Read more

unlike their competitors who don't drop their premiums and have never increased my insured amounts. Yet to make a claim, and hoping we don't need to, but should the need arise I hope the experience is as good as everything has been so far. Thanks.

*** Please Shop Somewhere Else *** If you read the reviews you'll find a common theme. They get you in the door with low insurance costs then the… Read more

following year BANG!!!, they hit you with higher than average premiums.

My house insurance increased by 25% this year without ever making a claim.

I am sorry I moved all my insurance across to APIA. Now looking at other options - COLES is looking better :)

After a flood from a burst water pipe, the house was covered with contaminated sewerage and waste. After numerous telephone calls on wait to NRMA.… Read more

They advised me to get a quote from a builder. Obviously this was ridiculous advice as the house had to be made safe to stop more damage from contamination and mould. No answer to their claims department or emergency numbers. I then engaged flood emergency people who worked all over Easter to get the contaminated gyprock and floor coverings out. Finally almost 2 weeks later nrma finally sent out an assessor. The claims manager, Donna was extremely unhelpful and only offered advice on what they are NOT GOING TO PAY. She sacked my guys who were amazing and then did nothing to remedy the contaminated home. Today I have made calls to NRMA assessor, NRMA builder, NRMA claims all without any response to again say they are not going to pay for the contaminated floor coverings and furniture to be removed because we didn't have contents insurance but we were paying for home building plus and it is their responsibility to make the site safe. Now the council is demanding that the biohazards be removed. I am on a single income and my husband died and now I have to deal with this very UNHELPFUL company. NRMA advertises the HELP company. FALSE ADVERTISING. They need to advertise UNHELPFUL company. Going by the many other 1 star reviews, do not insure with this company. They are slow, rude and decidedly UNHELPFUL. They have no compassion for someone who is completely overwhelmed by the situation. No one ever rings you back. Its now 2 weeks later and sewerage and mould is destroying what is left of the home. We are been with NRMA for 11 years and never made a claim.

Extremely slow and will change insurers – Our home was damaged during the rainstorms of March 2022. There is obvious damage to the home (carpet and timber flooring) which was renovated to a… Read more

high standard 10 years ago - with no prior damage like this. Claims were slow which I understand given staffing issues, but they constantly tried to avoid paying the claim - asking us to pay for and get builders' reports and coming up with different reasons for the damage. At one stage they appeared to be about to approve it - asking for detailed quotes for repairs thinking it might only be $3000 but when the flooring quote came in they then referred it for another assessment and rejected it - despite the second assessment asking for a review of our flooring. I will have to go to the ombudsman to dispute this.

Youi were much better when we were with them.

I have insured my collection specifically for $250k for a reason … a lot of money time and effort has gone in to it including paying all this money… Read more

for insurance just in case if anything happened to them ( which it has been affected with strange white spores .. apparently that is not considered to be anything bad even if they are visible or not )…

for example I have several single items and the rough total value comes to over $12k and the extra $10k is definitely not going to cover all my other items ..  I have already told CGU that I wasn’t pleased with the first outcome and the second outcome isn’t looking any better … 

I believe I have told CGU that there is no point cleaning the items as I still want to keep them and I will just open them in the end … I’m not sure what the exact process is but I’m guessing the items will have to be opened to be cleaned and inspected and that would already damage the value of the items even further and I don’t see the meaning of not getting my items back if I’m just going to open them in the end ..

Sorry if this message has no meaning or if I’m not understood properly … 

Update I was given the $20k and I feel like it is hush money I’m still not satisfied as they consider my collection to be not a Collection which makes no sense at all .. they have no understanding of my issue and they expect 20k to fix the problems in my house like that’s gonna be enough to pay the costs of fixing the walls and ripping out the floors and replacing them and what will I have left to replace my 250k collection? CGU is a ripoff and full of stupidity AVOID AVOID AVOID Even if your bank recommends CGU for your insurance for anything It will be a big mistake I was promised that my collection and my house was insured Issues arrived and took 3 years !!! To resolve the issue that hasn’t been fully resolved !! And all I get is peanuts ?! Oh and I forgot to mention I did receive $1k from the beginning to fix issues in the house LOL pathetic

Coles Home Insurance is hands down the worst insurer I’ve ever dealt with. They lie, delay, and dodge responsibility at every step. I’ve been waiting… Read more

endlessly for my claim to be resolved, and every time I ask for updates, I get excuses, false information, or silence.

They will do anything they can to avoid paying — twisting reports, ignoring evidence, and even sending out the wrong or unqualified contractors who make things worse instead of fixing them. Their behaviour is completely unacceptable for a company claiming to provide “protection.”

I’ve now had to take the matter to AFCA because Coles refuses to do the right thing. Their treatment of customers is shameful, and their lack of integrity is beyond belief.

If you value honesty, professionalism, and peace of mind — stay as far away from Coles Home Insurance as possible. They are a total nightmare.

I wish to write this post to warn others about this dodgy company. Everytime they called I was told something different. They took many months to… Read more

sort our roof, they sent around 7 people to measure my property and cannot follow simple instructions for example please phone me as I need to lock the dogs up so they can measure the back shed these instructions were relayed may times via messages phone calls And emails and still not able to follow. They then subcontract the work out to others who are also incompetent and after all people who came to measure the roof 9 in total they still were unable to get it right and had to order more material. Didn’t come back to clean up their mess. The whole Process was appalling.

I was a loyal RAC customer for over 30 years, spending in excess of $50,000 on premiums, roadside assistance and the like. This year, a delivery… Read more

driver damaged my automatic gate, with a damage bill of over $8000. Even though I have the video of it happening and the driver has admitted damaging the gate, they refuse to help me.

This has been so devastating and upsetting to me that I was in tears. The attitude of the staff over the phone has been so rude and deplorable. I’m so mad at these grubs for what they have (haven’t) done and how they have treated me. PLEASE AVOID RAC AT ALL COSTS!!

**DONT COMPLETE POLICIES ONLINE** Suncorp AAI uses Ai /algorithums that are poorly constructed and will leave you fighting for your cover in the… Read more

event of a claim, simply they don't correlate with their Policy document. I've been insured with Suncorp over 40 years and worked for them for 15 years. Suncorp AAI has become an untrustworthy insurer, infact several subsidiaries of the group under AAI insurance include- SUNCORP M, AAMI, APIA, SHANNONS, GIO, BINGLE, CIL, VERO, ESSENTIALS, TERRI SHEER, M -insurance. All use the same tactics to avoid paying claims. The CEO [Name Removed] doesn't careless, as a shareholder profits will drop dividends will drop. Suncorp will stuffup and blame you for it, then fight you. We had a massive hail storm, on our farm, damaged 3 houses, 6 cars, 3 caravans....not all with AAI group but 3 houses Suncorp all claims were stalled, 2 settled, 1 outstanding. 3 caravans CIL 1 paid immediately 2 stalled for 3 months and 1 car refused to repair it paid out. Put simply all but 1 claim have been a nightmare to get paid legitimate claims. To get out of paying they will ask questions not related to a hail storm when you don't answer correctly they deny your claim, they don't respect the law. DEMAND TO TALK TO STAFF DON'T TRUST THEIR COMPUTER AI TO SETUP YOUR POLICY.

Minimal wait time. Very friendly and helpful operator. Needed increase of house insurance- done immediately. New policy sent through within 1/2 hour. I support RACV - Excellent to deal with local call centre - jobs kept in Australia. Show details

I recently had a fantastic experience with TIO We had been with them for 15+ years as landlord insurance customers and moved interstate then sold… Read more

our property. We had somehow neglected to cancel our insurance for some time. When I eventually called to cancel the policy the customer service representative refunded the back dated payment to the sale of the property. I had not expected or requested this. Amazing customer service! I only wish TIO were Australia wide

We’ve had an extremely frustrating experience with RACQ Home Insurance over our storm-damage claim lodged in December 2024. For 11 months, RACQ has… Read more

consistently failed to communicate. We have spent countless hours on the phone trying in vain to speak with someone who understands our claim, and each time it’s a different person, forcing us to restart the story. Trades and contractors would often ghost us without notice, and when they did eventually attend, they came in the wrong order and were unable to complete their work. In particular RACQ's “make safe” measures for ceiling mould were woefully inadequate, consisting basically of some masking tape over a small triangular piece of tarp which fell down after 2 days, leaving our young children exposed to the health risks of uncontrolled mould for many months. The extensive delays had resulted in much more extensive structural damage to our property due to uncontrolled wood rot/mould and further water damage.

Two formal internal complaints to RACQ resulted in no meaningful action and further gaslighting. RACQ continues to delay to this day, now asking for a third leak detection test with no schedulable date as an excuse not to proceed, and bizarrely claim that irrelevant issues with lower window trims can somehow defy gravity and cause ceiling mould above them. We have had no choice but to escalate the matter to AFCA. We wouldn't wish our experience with RACQ on our worst enemy. Pls avoid RACQ at all costs.

A simple request to GIO and the response was to be bombarded by daily emails from their international customer service team. What I could clearly see… Read more

is that the international team lack knowledge and training to handle customer requests. Multiple errors. No regard for our time. My request is now delayed by 5 days. My request still has not been assigned a reference number nor been provided with a date for when GIO will respond. This is the second time in 12 months that GIOs international customer service team have proven to be inadequate and incompetent. Today I lodged an IDR complaint together with an ASIC complaint. I encourage all GIO customers to take the time to lodge offical complaints internally (you will never get an ethical and fair investigation because they are focussed on hiding the truth and not admitting liability) and always, always, always submit complaints for MISCONDUCT via the ASIC website. We deserve better. I do not recommend GIO as an insurer as they have proven to be dodgy over a long period. Also, normalise honest conversations with family and friends about how GIO and insurers treat you when you call for service or need to make a claim.

Was previously with Budget Direct, which I had mistakenly thought was the cheapest home & contents insurance on the market. After they charged my… Read more

credit card with a premium that had gone up nearly 300% (no claims, not in a flood/fire zone), and then getting the run-around by their customer services area when I enquired, I cancelled and started getting quotes from as many insurers as I could. By far the cheapest was Aldi - premium was $1,400 p.a., including the 8% discount for agreeing to instal the free sensors that they send you. I really like that they reward you for agreeing to implement their risk mitigation measures. The next cheapest quote was Coles at $1,800 p.a. Interesting that the cost of buying a basket of groceries at Aldi v Coles is a similar differential. I can see that other reviewers have raised issues about the Aldi insurance claim process. After 30 years of paying home & contents insurance and never making a claim, I hope/expect I never will, so I guess the ease/speed of the claims process is a risk I'm prepared to take in return for a much lower premium.

RAA Trade Assist advertise 24/7 Emergency Roofing repairs but when my roof started leaking through the ceiling neither of the 2 Roofing companys on… Read more

the list could come out for a week! Had to go through RAA Claims dept ( which I didnt want to do) just to arrange a ' Make Safe ' patch up. Now, if the claim is accepted the Builder will take forever to do the repairs ( Busy!) and neither of the Trade Assist Roofing companys will even inspect the roof but only want to see the Builders report. Meanwhile, I have to find somewhere for my disabled husband to stay in case the ceiling collapses.

Excellent, Outstanding service – Had an excellent experience with CARTS. We moved from Bunbury to Melbourne and some of our goods were damaged in Transit. I contacted CARTS and was… Read more

given a month to submit my claim. After some clarifications such as a couple of more Photos, replacement costs, and repair costs etc my claim was settled in full. They exceeded my expectations, Thank you Kevin

Excellent – Following the horrific weather that we experienced in Springwood QLD early in 2022, Nthstar Constructions were contracted by our insurance… Read more

underwriters to organize and facilitate repairs to our duplex unit. These repairs were extensive and of major interior works.

The team at Nthstar, in particular Kelly, were very professional, mindful of our situation and prompt in responding to any queries or otherwise we may have had.

Both units in our duplex sustained damage and our neighbor and I wish to thank Kelly and the team at Nthstar Construction for their care, honesty and attention to detail within the scope of works which were carried out by them.

Thank You All, Best Regards, M&J at Rochedale South, 4123.

The monthly premiums are easy. The premium is such a good price. Half my previous house insurance. My claim for garage ceiling after waterstorm in… Read more

October was treated as urgent and an inspector turned up within hours. A second leak in January was found. The company were so kind & considerate of my needs before $. There inspections found a few faults which I had done asap by my trade. Then the insurance took over. The tradesmen arrived on the right day & time. They were immaculately clean & tidy. My life was considered at every turn. They helped me with computer heiroglyfics that I understood and they helped me by phone answer & complete their forms. They moved furniture & stored my things in a pod. The supervisor arranged everything with me in the loop. The supervisor/s were on the phone at every aspect. Im so impressed. Brilliant amazing & im so greatful. Thank you thank you