Why Choose Insurance HQ?
HOW INSURANCE HQ CAN HELP
Our insurance brokers specialize in assisting individuals and businesses across all industry sectors, providing the right policy tailored to their specific needs.
Client Satisfaction
Frequently Asked Questions
Is insurance mandatory for my business in Australia?
Some types of insurance, like car insurance (CTP) and workers’ compensation for businesses, are mandatory. Others, like home or health insurance, are optional but recommended.
How do I choose the right insurance policy?
Consider your needs, compare policies, check for exclusions, read the Product Disclosure Statement (PDS), and seek advice from a insurance broker at Insurance HQ.
What factors affect insurance premiums in Australia?
Factors include your age, occupation, lifestyle, health, type of coverage, the sum insured, and claims history.
Can I switch insurance providers in Australia?
Yes, but be aware of cancellation fees, loss of benefits, or waiting periods when switching providers.
What happens if I miss a premium payment?
Missing a payment may result in a policy lapse, meaning you’re not covered until payments are up to date. Some insurers offer a grace period.