Centza - Analysis Results

Policy Analysis Demo

InsureAll Pty Ltd · home and contents

Savings Score

Rip-Off Score

6.2/10

higher = worse

Potential Saving (Low)

$350

AUD per year

Potential Saving (High)

$1,950

AUD per year

What this means for you

You're currently paying $3,150 a year for your home and contents insurance, which is significantly above the market high of $2,800. This means you're overpaying and could save between $350 and $1,950 a year by switching to a better policy or insurer.

Flags (3)

△ Premium $3,150/year is above the market high of $2,800
△ Excess $500 is below the optimal $750 - increasing it could reduce your premium by 10-20%
△ Renewal increase detected: +18.5% - significantly above CPI

Recommended Actions

Increase your excess to $750 to potentially lower your premium by 10-20%.
Compare policies from Budget Direct and Youi for home insurance options.
Check out AAMI and NRMA for competitive rates and coverage.
Consider getting quotes from Suncorp and EBM RentCover for good landlord insurance.
Use privatehealth.gov.au to compare health funds like HCF and Bupa.

Policy Details

Field	Value
Insurer	InsureAll Pty Ltd
Policy Type	home and contents
Annual Premium	$3,150 AUD
Excess	$500 AUD
Coverage Amount	$650,000 AUD
Payment Frequency	Annual
Policy Start	2025-03-01
Renewal Date	2026-03-01
Last Renewal Increase	+18.5%

Key Exclusions

✕ Flood damage in designated flood zones
✕ Damage caused by vermin or insects
✕ General wear and tear
✕ Intentional damage

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Results are estimates based on Australian market benchmarks. Not financial advice.