Compare home and contents insurance: Save up to 30% online
Looking for a great home insurance deal? Mozo can help you compare a range of home and contents insurance options to find the best policy for your home, budget and lifestyle. Start now!
Mozo may receive payment if you click to the website of one of the products below. Mozo does not compare the entire market, but you can see more products by clicking on the ‘See more’ button under the table.
Last updated 8 October 2024Important disclosures
Important information on terms, conditions and sub-limits.
Disclaimer
Important information on terms, conditions and sub-limits
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Home Cover - Buildings & Contents
QBE Home and Contents Insurance can cover your property and belongings in case of fire, storm damage, theft and more. 24/7 friendly and helpful claims service. Up to $30 million legal liability cover. Temporary accommodation costs for up to two years if your home isn’t liveable.
Main events covered
Fire
Theft
Storm
Flood
Monthly payments cost extra
Yes
Underinsurance protection
Optional ExtraUp To 30% Of Buildings Sum Insured, Applied Automatically For Eligible Policies
Up to $20,000 per item, set or pair of artworks or antiques. Up to $5,000 per collection.
Jewellery
Up to $2,500 per item, set or pair
Replacement of documents
Up to $800
Tools of trade
Up to $5,000
Contents while moving
Yes
Lock replacement
Up to $2,500
Temporary accommodation
Up to 24 months, up to 20% of buildings sum insured combined with temporary accommodation for pets
Debris removal
Yes, combined with building costs
Demolition cost
Yes, combined with building costs
Accidental loss and damage
Optional Extra
Accidental breakage of glass
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Buildings and structural improvements
Yes
Building materials
Up to $2,000
Landscaping
No
Gates and fences
Yes
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Get award-winning Home and Contents Insurance at a price you can afford from Budget Direct. Save a huge 30% on your first year’s premium when you purchase a new combined Home and Contents Insurance policy online.
Hardware yes, software up to $3,000 combined with CDs/DVDs
Camera and accessories
Yes
Carpets
Yes
Antiques and valuables
Up to $5,000 per item for artwork, up to $12,000 in total, up to $2,000 for collections
Jewellery
Up to $1,000 per item or set, up to $5,000 in total
Replacement of documents
No
Tools of trade
Up to $2,000
Contents while moving
Up to 20% of sum insured
Lock replacement
Up to $1,000
Temporary accommodation
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.
Debris removal
Up to 10% of sum insured combined with demolition cost and emergency storage
Demolition cost
Up to 10% of sum insured combined with debris removal cost and emergency storage
Accidental loss and damage
Optional Extra
Accidental breakage of glass
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
No
Buildings and structural improvements
Yes
Building materials
Up to $1,000
Landscaping
Yes, garden borders, pathways and paved areas.
Gates and fences
Yes
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Your home might be your most important asset, that’s why Youi like to get to know all about it right from the start. It helps Youi to help you consider the cover that could better suit you. Youi is home insurance that’s a bit more you-shaped. Mozo People’s Outstanding Customer Satisfaction Home Insurance award winner in 2024
Optional Extra, select specific replacement value for each item of jewellery where the individual value is more than $15,000
Replacement of documents
No
Tools of trade
Optional Extra, up to $1,000 per item , up to $5,000 in total
Contents while moving
Up to 20% of sum insured
Lock replacement
Up to $1,000
Temporary accommodation
Up to 12 months, up to 12% of sum insured
Debris removal
Up to 20% of sum insured combined with demolition and professional fee costs.
Demolition cost
Up to 20% of sum insured combined with debris removal and professional fee costs
Accidental loss and damage
Optional Extra
Accidental breakage of glass
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
No
Buildings and structural improvements
Yes
Building materials
Up to $1,000
Landscaping
No
Gates and fences
Yes
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Get covered in just 3 minutes. Receive complimentary $250 smart home sensors to help alert you to avoidable mishaps like fire, theft & water damage. Get rewarded for being smarter, by keeping your sensors active, with a discount of up to 8% every year (T&C’s apply).
Hardware yes, software up to $5,000 combined with CDs/DVDs
Camera and accessories
Up to $2,000
Carpets
Yes - limits apply for carpets over 10 years old
Antiques and valuables
Up to $2,000 per item, up to $12,000 in total
Jewellery
Up to $2,000 per item, up to $6,000 in total
Replacement of documents
Up to $1,000
Tools of trade
Up to $2,000
Contents while moving
Yes
Lock replacement
Up to $1,000
Temporary accommodation
Up to 12 months, up to 10% of sum insured
Debris removal
Up to 20% of sum insured combined with demolition cost
Demolition cost
Up to 20% of sum insured combined with debris removal cost
Accidental loss and damage
Optional Extra
Accidental breakage of glass
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Buildings and structural improvements
Yes
Building materials
No
Landscaping
Up to $1,000 for plants
Gates and fences
Yes - Up to 50% of the total cost, up to 2km
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
For a limited time, sign up for combined home and contents insurance to get 10% off (T&Cs apply). Australia Post’s combined home building and contents insurance, both your home and belongings will be covered in case of fire, theft, extreme weather (including flooding) and natural disasters.
Up to 24 months, up to 20% of sum insured combined with temporary accommodation for pets
Debris removal
Yes
Demolition cost
Yes
Accidental loss and damage
Optional Extra
Accidental breakage of glass
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Buildings and structural improvements
Yes
Building materials
Up to $2,000
Landscaping
Yes - pathways
Gates and fences
Yes
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Home insurance resources
Reviews, news, tips and guides to help find the best home insurance for you.
Home Insurance Snapshot: October 2024
3Updated by: Brad Buzzard, Senior Money Writer, 03 October 2024
October is here, and we’re well into the heart of spring! With longer days, Labour Day celebrations, school holidays, and Halloween at the end of the month, you’re probably eager to spend more time outdoors and enjoy the season.
But before you get too carried away, now is a great time to tie up a few loose ends around the house—without overloading yourself. Think of it as a light spring refresh!
Here’s a simple checklist to leave you well-prepared for the busy months ahead.
☐ Avoid the liability nightmare. Got BBQ guests or little trick-or-treaters roaming your lawn? Don’t leave yourself exposed—secure those fences, test your fire extinguisher, clear the walkways, and make sure your home insurance policy’s got solid liability coverage.
☐ Renovation and upgrades. If you're sprucing up the place or tackling any spring renovation projects, now’s a good time to check if your insurance covers new additions or improvements.
☐ Review your water-related coverage. With the wet season approaching, it’s a good time to check how you’re covered for water-related events. Floods, rainwater runoff, and storm surges are often treated differently in insurance policies, so make sure you understand the details of your cover.
☐ Holiday prep. With the holidays around the corner, if you're planning on travelling later in the year, start thinking about your home insurance. Make sure your property is covered while you’re away for summer vacations.
☐ Get storm-ready. As the wet season sets in, secure your outdoor furniture, inspect your roof, and clear those gutters. Remember, insurance won’t cover damage caused by poor maintenance, so stay on top of it!
Hopefully, that didn’t feel like too much! Now you can kick back and enjoy the longer days, knowing your home is prepped and ready for whatever spring throws your way.
And if you’re considering a new insurer, you can’t go wrong comparing a few of the options in our table above, or check out our newly released 2024 Mozo Experts Choice Awards where we’ve rigorously compared a range of options and identified our top picks.
What is home and contents insurance?
Home and contents insurance is a type of cover that can protect your property and/or possessions if they’re damaged or destroyed from an insured event such as fire, theft or storm damage. Depending on the policy, cover can include the removal of debris, legal liability, emergency accommodation and more.
There are a number of types of home insurance and each can bring invaluable peace of mind. The insurance that’s right for you depends on specific circumstances, such as where you live and whether you own a home or rent.
What’s the difference between home insurance and contents insurance?
Home insurance, or building insurance, provides cover for your home’s main structure and other fixtures on the property, such as garages and sheds. It can meet the cost of repairs if your home gets damaged by events listed in your policy. For example, if your roof collapsed after a fire or storm, your insurance can help.
Contents insurance protects you financially if the possessions inside your home – such as furniture, electronics, jewellery and curtains – are damaged by an insured event and need to be fixed or replaced. A regular policy typically only lets you claim for events that occur inside your home.
A combined home and contents policy offers cover for both a building and its contents. Commonly, building insurance and contents insurance are bundled together, but they’re also sold separately. Standalone contents insurance is a great option if you’re a renter, and/or you live in an apartment where strata fees include coverage for the building.
Why do I need home and contents insurance?
Here are some compelling reasons why home insurance is a good idea:
Unexpected damage or loss. Think fires, water damage and theft. These things can happen to anyone, anytime. It's not just about protecting your valuables; it's also being able to rebuild or repair your home.
Legal liability. Imagine your neighbour takes a tumble on your driveway and breaks an arm. If you're found liable, your home insurance can help you cover their medical expenses.
Mortgage requirements. Most home loan providers require you to buy home insurance before you can get the keys. It safeguards their investment as much as it does yours.
Asset protection. Your home is more than just four walls; it's likely your most significant asset. Whether it's for your main residence or an investment property, insurance can protect that asset, from the structure itself to the valuables inside.
Peace of mind. For each day you hold insurance, you’ll have reassurance that otherwise would be missing. With a good policy in place, you know you’ll have a financial safety net should loss or damage occur to your home or contents.
What kinds of home insurance are there?
Here's a rundown of the main types of home insurance:
Building insurance. Your home's structure, from the roof to the foundation, is covered by building cover.
Contents insurance. This one has your back for all the personal items inside your home – like your sofa, laptop and clothing.
Home and contents insurance. Just like it sounds, this combines building and contents insurance for an all-in-one protective umbrella.
Landlord insurance. For those renting out properties, landlord insurance covers property damage (including damages caused by a tenant) and can include things like rent default and legal liabilities.
Renters’ insurance. Essentially, this is contents insurance repackaged for renters. It ensures you're not paying for building protection you don't need.
There are a few other covers that can be their own separate products, or add-ons to your home or contents insurance.
Portable contents insurance. Ideal for items you regularly take away from your home, like your camera or laptop.
Valuable items cover. This is where you'd ensure your high-ticket items such as jewellery, artwork or your vintage comic book collection.
What does home and contents insurance cover?
A quality home and contents insurance policy looks after several key areas:
Building or home structure. This includes the essential parts of your home like the roof, walls and foundational elements.
Permanent fixtures. These are items that are attached to and form part of the building, such as kitchens, built-in cupboards and bathroom suites. They're generally considered part of the building or structure.
Home contents. This encompasses movable items like furniture, white goods, electronics, clothing and personal belongings.
Fittings. These are items that can be removed without damaging the property, such as light fixtures and blinds. Fittings are typically treated as ‘contents’.
Situations covered: when insurance steps in
Your insurance can provide financial protection in a range of situations. It’s important to consult your PDS for specifics of your policy, but here are a few of the most common events covered:
Natural disasters. Such as floods, storms, earthquakes and bushfires.
Accidental damage. Burst pipes, impacts from a vehicle crash and fallen trees are all typically covered. Be aware: accidental fires aren’t covered by all policies.
Theft and vandalism. Coverage for when your home is broken into or damaged maliciously. Insurance can pay to replace locks and stolen items.
Liability coverage. Legal liability protects you from legal costs if someone gets hurt or is killed on your property.
Temporary accommodation. Protects you if your home becomes uninhabitable after an insured event.
Caveats and exceptions: read the fine print
Every insurance policy is unique and has its limits and exceptions. It's crucial to review your product disclosure statement (PDS) to understand what is and isn’t covered.
For example, you might not be covered for gradual damage like tree roots affecting your foundation. Also, if you don't clean your gutters and they overflow, causing damage, you might not be covered.
Flood coverage often requires a separate policy add-on; and while certain floods might be covered, those resulting from storm surges may not be.
How much does home insurance cost?
The average yearly cost of home insurance, based on our survey of over 2,000 Australians from across the country, comes to around $1,460, which breaks down to approximately $121 per month.
Here’s a state-by-state breakdown:
State
Average Annual Cost
TAS
$1,114
SA
$1,139
VIC
$1,370
NT
$1,400
NSW
$1,479
WA
$1,504
ACT
$1,634
QLD
$1,692
Remember, these are just averages. Your own quote could be different, so it's a good idea to check with a few different insurers to find out exactly what it would cost for your situation.
Comparing quotes helps you find the cheapest option available, but keep in mind that the cheapest policy might not always offer the most comprehensive coverage. Finding a balance between cheap home insurance premiums and adequate protection is key.
How can I lower the cost of my home insurance?
Home insurance costs have increased in recent years, partly driven by increased risks from climate events. Insurance Council of Australia (ICA) research showed insurers incurred $2.19 billion in claims linked to extreme weather in 2023-24. Storms and floods contributed to an increase in claims from 66,000 to 157,000 in one year.
With premiums running high, there are a number of ways you could reduce the cost of your home insurance:
Avoid auto-renewing. Comparing multiple policies when your policy’s up for renewal is a great way to make sure you’re on competitively-priced cover.
First-year savings. If you buy a new policy online, you could potentially save up to 30%.
Multi-policy discounts. You may be able to get a saving if you combine your home cover with, say, your car insurance.
Security features. A well-maintained home can prevent issues that often lead to claims, and some insurers will reward this with lower premiums.
Increase your excess. By choosing a higher excess, you could pay less for your premiums. Keep in mind you’ll need to stump up more money to make a claim.
Figuring out the right home insurance is all about knowing what you need based on your circumstances. Following these steps can bring peace of mind and ensure you’ll be adequately covered if something goes wrong:
Step 1: Decide what kind of insurance you’re after
Are you…
A homeowner wanting to shield your home sweet home and cherished belongings?
A renter keen on protecting your personal stuff?
Or perhaps a landlord in need of coverage for potential property damage and those ‘just in case’ moments?
Once you pin down the product-type that aligns with your lifestyle, we can move onto pinpointing how much coverage will suffice.
Step 2: Work out how much cover you need
Next, you’ll be tallying up the value of your home and everything in it, so you're completely covered if you ever need to claim. Here’s what you’ll need to consider:
Home value. Here you’ll need to estimate the value of your home. If you've recently renovated, the added value should be reflected in your insurance. It's about making sure your cover accurately reflects your home's worth, so you're not shortchanged if you ever need to claim.
Contents. List out what you own, from your gadgets down to your socks. This isn't just about being thorough — knowing the value of what’s inside your home helps you pick cover that’s tailored to you.
Special Items. Own any items that are a cut above the usual, like heirloom jewellery or collectible artwork? What about any laptops or cameras that travel with you? These might need additional cover since they can go beyond typical policy limits.
💡Top tip. Download and search for key terms in your product disclosure statement (PDS). That document will tell you what's covered and what's not, along with common policy restrictions. The insurer will usually have a link at the bottom of their policy page, which leads to a section of the site where you can download the PDS of any live policy.
Alternatively, you can use our table above to compare major high-level features, and then consult the PDS of those you are interested in.
Step 3: Compare quotes
Okay, now we're getting somewhere. Click 'Get Quote' for the policies you're interested in. You’ll be taken to the insurer's website, where you'll get an idea of what your premium could be.
It's free and, don't worry, you're not locked into anything. They'll need some details such as your home’s location and its value.
Once you have 2 or 3 quotes, lay them out and compare. This isn't just about finding the cheapest home and contents insurance option; it's about finding the best value. What gives you the best coverage for your money? Are there any additional benefits or features that stand out?
The perfect policy for you is out there, and you're one step closer to finding it!
Step 4: Start your application
So, you've found the right home insurance policy and now it's time to seal the deal. Pop over to the insurer's website or click that link they sent you, fill in your personal details, and don't forget to have your payment information handy.
Most insurers offer various payment options, like monthly or annual instalments, so choose what works best for you. Before you finalise everything, you’ll see when the first payment will be due. Make a note of this to avoid any surprises.
Understanding your home and contents insurance terms
Here are some key terms you can expect to be acquainted with before you sign up for home insurance:
Premium
The premium is how much you’ll pay for your insurance. It’s based on a range of factors: where you live, how old your home is, what it’s worth, what it’s made of, and your past claims history.
Excess
The excess is how much you’ll pay towards each claim before insurance coverage kicks in. If you opt for a higher excess, your premium may go down.
Cover limits
This is the maximum amount that your insurance provider will pay on claims on certain items.
Struggling with another unfamiliar home insurance term? Check out our home insurance jargon buster.
Beware underinsurance
Being underinsured means your policy doesn’t cover the full value of your home and possessions. If you insure your home for less than it's worth to save on premiums, it might seem like a good idea—until disaster strikes.
Take a home worth a million dollars, for example. If you've insured it for only $500,000 to cut costs, and then face damages of $500,000, you might expect your insurance to cover it since after all, you did pay for $500,000 worth of cover.
Unfortunately, it doesn't work that way. The insurance company could reduce your claim payout significantly because your coverage is only for half of your home's value. This would leave you to pay out-of-pocket for the rest of the repairs, which isn't a situation anyone wants to be in.
To sidestep the trap of underinsurance, homeowners should stick to a few key practices:
Stay current with your home's worth. Homes change value like seasons; make sure your insurance reflects the latest, from market shifts to any upgrades you've added to your nest.
Inventory your belongings honestly. It's not just about what you paid; it's about what it would cost to replace your stuff today. From your laptop to your lounge chair, get it all appraised right.
Review your policy annually. Life changes and so should your policy. Got a new art piece? Renovated the kitchen? Update your policy so it keeps up with your life’s upgrades and doesn't fall behind.
Plan for the worst, just in case. It's not about being gloomy, but about being smart. Make sure a total loss won't be a total knockout for your finances.
Remember, a little legwork and knowledge go a long way. Knowing the real value of your home and the nitty-gritty of your coverage keeps you ahead of underinsurance.
How to compare home and contents insurance
Finding the right home and contents insurance isn't just about the cost; it's about getting the coverage that's right for you. To make sure you're comparing apples with apples, here's a straightforward approach to evaluating different policies:
Policy coverage. Look closely at what each policy covers. Make sure the risks most relevant to you are included. It's important to compare policies that offer similar levels of coverage.
Exclusions and limits. Every policy has its blind spots. Know what these are, and decide if you can live with them.
Cost of premiums. While keeping an eye on your budget, weigh the cost against the coverage. Cheaper isn't always better.
Excess amounts. Pay attention to how different policies balance excess amounts and premiums. The key is to find the balance that suits your budget and coverage needs.
Customer reviews and company reputation. What do others say about the insurer? Good customer service can be a lifesaver.
Additional benefits. Some insurers throw in extra perks. These can be tie-breakers if you're stuck between two good options.
Policy flexibility. Can you tweak the policy to suit your needs? This flexibility can be a real advantage.
Claim process. A hassle-free claim process is worth its weight in gold. Check out how each insurer handles claims.
In short, the key to comparing home and contents insurance is to look at each option through a lens that's focused on your specific needs. By taking this approach, you'll be in a better position to choose a policy that offers both value and peace of mind.
Evlin is RG146 certified for Generic Knowledge and has become a leading voice in finance news since joining Mozo two years ago. She is regularly featured in Google's Top Stories alongside major publications like News.com.au and Yahoo Finance, and seasoned journalists. Despite being in the industry for just two years, she is Mozo's go-to writer for all things RBA and her research has been referenced by the Victorian Government. With a Bachelor of Communications degree from UTS, where she won the Dean's Merit Award and acted as the Director of Student Publications.
The best home insurance is the one that best fits your needs and budget. It's important to find an option that aligns with your individual circumstances.
To help you out, we’ve listed some policies that Mozo’s expert research team settled on for the 2023 Mozo Experts Choice Awards.
Home insurance costs around $1,460 per year on average in Australia, according to our survey of over 2,000 people from across the country. Remember, costs can vary a lot depending on your individual situation and needs.
The cost of home and contents insurance depends on a few things like where you live, including the risk of natural disasters in your area; the value of your home’s items; what security features you have in place; and whether you want coverage for the building, your belongings, or both. And, of course, any extras you opt in for, like flood cover, will affect the cost too.
Home insurance policies will have their share of terms, limits and conditions. Here are a few things to keep in mind:
Regular upkeep is key. If the damage caused can be chalked up to a lack of maintenance on your part – for example, mould damage – you likely won’t have any luck making a claim.
Pre-existing problems don’t fly. If the damage caused can be traced back to a defect or fault which you were aware of (or should have been aware of), you’ll typically find you won’t be covered. Similarly, home insurers don’t cover things they deem preventable, such as an invasion of termites into your home.
Check the clock on vacant homes. Many policies won’t insure your property if it’s been unoccupied for an extended period of time, such as 60 days. If you’re planning on going away for a while, it’s best to inform your insurance provider in case an arrangement can be made.
Outdoor belongings need a second look. You’ll need to watch out when it comes to removable items that you keep in your yard. For example, sports equipment isn’t always covered under a standard policy.
Renovation risks. If you’re renovating your property and something goes wrong – perhaps you tear down the wrong wall, for example – it generally won’t be covered. You should also know that some policies draw the line at theft or injuries that occur while construction is going on at your home.
The sum insured is a figure you agree with the insurer based on your estimate of the full replacement value of the loss, taking into account all construction costs and materials. If your sum insured is off the mark, you could be underinsured and be left thousands of dollars out of pocket after a claim.
With total replacement cover, your insurer should meet the rebuild cost of your home, regardless of the cost. It's typically the more expensive option, but it can ease worries about you being underinsured.
Home insurance can be a bit tricky when it comes to flooding. Many policies won’t automatically cover it, meaning you’ll need to opt-in to get the insurance.
The term 'flood' for insurance companies generally refers to water escaping or being released from natural sources, like rivers or lakes, and getting into your home. But there are other aquatic troubles that can come knocking: for example, a sudden storm overwhelming your drainage or a pipe going rogue. These may not be 'floods' by the book, but they could still be covered. Don’t forget to check the PDS ahead of time: being clued up on your policy’s coverage before you're knee-deep in water is always a smart move.
Advertiser disclosure
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.
We provide only general advice
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
Disclaimer
Who we are and how we get paid
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.
Important information on terms, conditions and sub-limits
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.