You Need To Know About Insurance is a leading insurance broker based in Perth, Western Australia that offers a wide range of insurance policies for home, contents, landlords, travel, car, motorcycle, caravan, boat, business and more. Established in 2008, they have over 10 years of experience helping Western Australians find the right insurance cover at a competitive price.

Their team of insurance advisers have extensive knowledge across all major insurance brands and products. This allows them to compare options and tailor policies to suit each customer’s unique needs and situation. works hard to take the stress and effort out of getting insurance, making it easy to get quotes, understand policies, make claims and get support.

With a focus on personalised service and utilising the latest technology, aims to provide the most up-to-date insurance advice and options for Perth residents. They strive to offer quality insurance that is affordable, flexible and provides real value. Whether you need insurance for your home, investment property, small business or something more specialised, the knowledgeable team at can assist.

Types of Insurance Insurance offers a wide range of insurance policies to meet the needs of individuals and families in Perth, Western Australia. Here are the main types of insurance coverage available:

  • Home Insurance: Protects your home against damage from events like fires, storms, floods, burglaries, and more. It covers the structure as well as contents. Options include building cover, contents cover, and liability cover.

  • Contents Insurance: Covers your household contents like furniture, clothes, appliances, and other possessions within your home. You can customize limits based on the value of your items.

  • Car Insurance: Covers your vehicle against theft, damage, fire, floods, accidents, and other incidents. You can choose comprehensive, third party property, or third party only plans. Add-ons like rental car coverage are also available.

  • Travel Insurance: Protects you financially on domestic and international trips. Coverage includes emergency medical expenses, trip cancellations or delays, lost baggage, and more. You can choose different levels of cover.

  • Life Insurance: Provides your loved ones with financial support in case of your death. Options include funeral cover, trauma cover, and income protection. You can customize based on your needs.

  • Business Insurance: Protects your business against property damage, theft, liability claims, employee injuries, loss of income, and other incidents. Coverage can be tailored for your industry. works closely with clients to ensure you get insurance tailored to your specific situation and budget. Their experienced advisors help you evaluate your risks and select the right policies.

Getting a Quote from

Getting an insurance quote from is a quick and easy process that can be done entirely online.

To start, go to the website and click on the “Get a Quote” button. This will take you to a quote form where you will need to enter some basic information including:

  • Type of insurance you need (home, auto, etc.)
  • Your contact details
  • Information about what you are looking to insure such as your home details for home insurance

After entering this information, you can get an instant quote displayed on the website. The quote will outline the coverage, limits, and pricing options available based on the details you provided.

If you would like to adjust the quote or get quotes for different coverage options, you can easily update the form and get refreshed pricing. This allows you to customize your policy until you find the right fit.

Once you are satisfied with a quote, you can then complete the online application process by providing additional information needed to bind coverage. This includes things like your prior insurance history and any claims details.

The entire quote and application process can be completed electronically in just a few minutes. At any point, you can also call or chat with a representative for assistance or to ask questions.

Getting a fast, customized insurance quote is easy with’s intuitive online quote tool. Within minutes you can have quotes for coverage and be on your way to protecting your assets.

Claims Process

Making an insurance claim with is straightforward. Here is an overview of the claims process:

To start a claim, call’s claims department at 1300 000 000 as soon as possible after the incident occurs. Have your policy number ready to provide to the representative.

Describe the incident and provide details such as the date and location it occurred. The claims representative will let you know what documentation and evidence you need to submit, such as police reports, photographs, receipts, etc.

After submitting all required documentation, a claims adjuster will be assigned to your case. The adjuster investigates the claim, reviews the documentation, determines if it is approved, and calculates the payment amount if applicable. This process may take several weeks.

You may be asked to provide additional documentation or be interviewed by the claims adjuster during the investigation. Be responsive to any inquiries to help expedite the process.

Once the claim is approved, you will receive the payment according to your policy terms. This is typically a check, but direct deposits may also be arranged.

If there are any disputes about the approval or payment amount, you can appeal the decision and provide additional evidence or documentation. also has an ombudsman who assists with unresolved claims issues.

Keeping organized records and communicating with your claims adjuster helps ensure an efficient claims process. aims to investigate claims thoroughly yet promptly pay approved amounts so clients can recover from incidents as quickly as possible.

Customer Service – Providing Outstanding Support prides itself on providing exceptional customer service and support to policyholders. Their team of dedicated service agents are available 24/7 to assist customers via phone, email, live chat, and social media.

Some key highlights of their customer support include:

  • Available 24/7/365 via phone, email, live chat, and social media
  • Fast response times – most inquiries answered within minutes
  • Knowledgeable agents who take the time to understand each customer’s unique needs
  • Proactive support – agents will reach out to customers about renewals, claims, and more
  • Multilingual services – support available in over 150 languages
  • User-friendly website and mobile apps for self-service options
  • Special assistance programs for seniors, military, and low-income households

At, customer satisfaction is the top priority. Their agents go above and beyond to provide caring, individualized support so clients feel valued and taken care of. From helping customers find the right policy to assisting with claims and billing, their team is always there to provide outstanding service with a personal touch.

Costs and Discounts aims to provide affordable and transparent insurance options to customers. Here are some details on costs, fees, and available discounts:

  • Premium costs – Premiums are competitive and customized based on factors like your location, car make/model, driving history, desired coverage limits, and more. Get an instant quote online to see pricing.

  • Policy fees – has no hidden fees. You pay the premium plus applicable taxes and fees required by law. There are no charges for policy documents or paying in installments.

  • Multi-policy discounts – Bundle your auto insurance with home or renters insurance for a multi-policy discount up to 15%. The more policies you have, the higher the discount.

  • Safe driver discount – Maintaining a clean driving record makes you eligible for a significant safe driver discount immediately and over time. This discount applies as long as you remain accident and violation-free.

  • Anti-theft discounts – Adding anti-theft devices like car alarms and GPS trackers to your vehicle can earn you up to 25% off your comprehensive coverage.

  • Good student discount – Full-time students under 25 who maintain a B average or higher can receive up to 20% off their premium.

  • Defensive driver discount – Completing an approved defensive driver safety course qualifies you for up to 10% off.

  • Military and affinity discounts – Active and retired military, veterans, police, nurses, and members of partner organizations may qualify for special discounts.

  • Online sign-up discount – Signing up through the website earns you an extra 5% discount on your first policy term.

  • Loyalty discounts – Renewing your policy repeatedly over time can earn discounts of up to 20% for continued loyalty.

Taking advantage of these discounts can lead to substantial savings on your car insurance costs with Compare personalized quotes online to find the best rate.

Policy Options offers a range of policy options to suit your needs, with the ability to customize your coverage and limits.

Types of coverages

  • Building and contents insurance to cover damage or loss to your home, belongings and contents items. You can select overall limits and also set specific limits for categories like jewelry, art, electronics etc.

  • Loss of rent / loss of rentable income if the property can’t be occupied after an insured event.

  • Liability cover to protect against legal liability for injury or property damage to third parties. Limits typically $10-$20 million.

  • Landlord insurance extras like malicious damage by tenants, theft by tenants, rent default.


Additional add-ons available include:

  • Flood cover

  • Earthquake cover

  • Accidental damage cover for mishaps not covered under standard policies.

  • Portable valuables to cover items like phones, laptops and jewelry outside the home.

  • Guests’ belongings for when visitors bring items to your property.

  • Temporary accommodations to cover costs of accommodation if unable to live in your home after an insured loss.

Excess options

  • You can choose between higher and lower excess amounts when taking out a policy. Higher excess reduces premiums but means you pay more upfront on any claim.

  • Optional excess waiver is available to eliminate the excess amount altogether for an additional premium.

  • Reduced premiums may be available if you choose a higher standard excess.

Payment options

  • Pay premium annually or in monthly installments.

  • Automatic payments can be set up for convenience.

So in summary, offers tailored coverage with options to customize your policy limits, add-ons and excesses to suit your unique situation and needs. Their experienced team can provide guidance on the best options for your property and circumstances.

Reputation insurance has built a strong reputation over the years for reliable coverage and excellent customer service. They consistently receive high ratings and positive feedback from policyholders.

Based on online customer reviews, customers are extremely satisfied with their policies and interactions with the company. is praised for providing affordable rates, seamless claims processing, and helpful support staff. Many reviewers say they will continue renewing their policies year after year due to the quality of service.

The company’s reputation is further bolstered by industry awards and accolades. has been recognized as a top home and car insurance provider multiple times. This reflects their commitment to innovation, financial strength, and meeting customer needs.

While no insurer is perfect, the overwhelming majority of reviews for are positive. Policyholders feel they can trust the company to be there when they need it most. With a long track record of keeping customers satisfied, has developed a sterling reputation over its history.

Comparison to Competitors

When it comes to insurance, stands out from the competition in several key ways:

  • Affordable pricing: prides itself on having some of the most competitive rates in the industry while still providing comprehensive coverage. They can offer lower premiums by streamlining operations and minimizing overhead costs.

  • Range of policies: Whether you need home, auto, life, health, or specialty insurance, has policies to meet your needs. Competitors may have more limited offerings.

  • Ease of claims: The claims process with is designed to be as smooth and hassle-free as possible. Many customers report faster and less bureaucratic claims resolution compared to dealing with other major insurance companies.

  • Superior customer service: places a strong emphasis on customer satisfaction. They have 24/7 customer support, a user-friendly website/app, and local agents ready to provide personalized service. Some competitors have faced criticism for poor service.

  • Innovative features: keeps up with the latest insurance technology to provide policyholders with conveniences like online account access, paperless billing, rideshare coverage, and smart home device integration. They stay on the cutting edge more than legacy insurers.

  • Strong financial backing: As an established national carrier with an A+ rating, has the financial strength and resources to handle large numbers of claims. Newer insurtech disruptors can sometimes lack stability.

When you look at the big picture, stands out as a top choice for insurance with affordable pricing, excellent coverage options, cutting-edge features, and outstanding customer service. They represent a great value compared to competitors.

Conclusion is a strong option for getting insurance in Perth. Their wide range of policy options allows customers to find a plan that fits their needs and budget. has built a reputation for good customer service, making the claims process smooth. Their costs are competitive, especially with the available discounts.

While every insurance provider has pros and cons, is worth considering for those looking to get insurance in Perth. Their knowledgeable team and flexible policies make them a company that many can rely on when it comes to protecting their assets. For these reasons, is recommended for those needing insurance in the Perth area.

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