How we charge

Two ways to work with us.

A broker fee may apply depending on the service option you select. We disclose applicable fees and remuneration before you proceed. Same panel, same wording review — different service model.

Self-serve

Essential

Flat fee
Quoted upfront with your options.

Online from start to finish. Transparent fee, no surprises.

  • Chat and email support
  • Quote, arrange cover, and renew online
  • Claims triage
  • Document storage
  • Annual renewal reminder
  • Dedicated account manager
  • Phone support
  • Claims advocacy
Start a brief
Broker-led

Plus

Commission-based
We're paid a commission by the insurer. A broker fee may apply depending on the service option you select. We disclose applicable fees and remuneration before you proceed.

An authorised insurance broker manages your cover end to end.

  • Everything in Essential
  • Chat, email, and phone
  • Dedicated account manager
  • Full claims advocacy — we lodge and negotiate
  • Annual review with written recommendation
  • Priority response
Talk to a broker

What you get on each tier.

FeatureEssentialPlus
CostFlat feeCommission from the insurer; fees disclosed before you proceed
ChannelsChat, emailChat, email, phone
Response SLA2 days1 day
Dedicated account manager—✓
Claims experienceSelf-managed with guidanceBroker-led advocacy and support
Annual review—✓ Written
Document storage✓✓
Renewal reminder✓✓

Straight answers.

When does Essential make sense?
Simple covers and confident self-servers. The flat fee is shown upfront, so you can compare it against the commission-based option before you decide.
Can I switch to Plus later?
Yes, at any renewal.
Who handles my claim on Essential?
You lodge directly with the insurer. We will answer questions and review wording, but will not act as your advocate.
How is Plus remunerated?
Insurers pay brokers a commission that is built into the premium, and Plus passes that arrangement through to you. A broker fee may apply depending on the service option you select. We disclose applicable fees and remuneration before you proceed.
Are there any other charges?
Sometimes — but nothing we earn. Some insurers and underwriters apply their own fee (for example a policy, underwriting or administration fee); we pass it on at cost and keep none of it. Government charges like stamp duty and GST are set by law. Every charge is itemised on your quote before you commit.

Advice first. Quote later.

Start a conversation now — five minutes is usually enough. Or book a 30-minute call and talk it through with a broker on the phone.

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