Frequently asked questions
What is Get Insurance Help?
Get Insurance Help is a developing Australian information platform intended to explain insurance in a clearer and more practical way. It is being built to help people understand common insurance categories, how cover is generally approached and what questions matter most.
Does this replace speaking to a broker or insurer?
No. General insurance information can improve understanding, but it does not replace advice or recommendations tailored to a person's business, assets, health, occupation or risk profile.
What kinds of insurance will be covered?
Planned topics include business insurance, public liability, professional indemnity, life insurance, income protection, health insurance, property cover, vehicle insurance and other common categories relevant to Australians.
What affects insurance premiums?
Premiums can be influenced by claims history, industry, type of activity, location, sums insured, risk profile, security measures, excess levels, policy design and underwriting factors.
What is public liability insurance generally for?
Public liability insurance is commonly considered by businesses and operators that want protection against certain third party claims involving injury or property damage, subject to the policy wording.
What is professional indemnity insurance generally for?
Professional indemnity insurance is often considered by people and businesses that provide advice, designs, specifications, recommendations or professional services where allegations of error may arise.
What is income protection insurance?
Income protection insurance is generally designed to provide a level of financial support where a person is unable to work because of certain qualifying events, subject to policy terms, waiting periods and conditions.
Why do exclusions and policy wording matter so much?
Exclusions, definitions and policy wording matter because they affect what the policy is really intended to respond to, where limits apply and where gaps may exist.
How can someone compare insurance options more clearly?
A stronger comparison usually involves looking beyond premium price to consider exclusions, limits, excesses, waiting periods, definitions, optional benefits and how well the policy appears to match the underlying risk.
What information do insurers or brokers often need?
Depending on the cover, common information may include occupation, turnover, claims history, location details, property details, health information, asset values or business activity descriptions.
Why is an insurance FAQ useful before choosing cover?
A detailed FAQ helps people understand insurance language, identify key questions and approach a broker, adviser or insurer with stronger clarity about what they are actually trying to protect.
Is the site only for businesses?
No. It is being developed for both individuals and businesses, covering common personal and commercial insurance questions.
Important note
This website is being built as an information resource. It is not a substitute for personalised insurance, financial or legal advice. The purpose is to make insurance topics easier to understand and easier to research.