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Coverage, Insurance, Tips

How To Get The Cheapest Homeowners Insurance in Australia


Homeowner’s insurance is compulsory in Australia, and most countries in the world. Homeowner’s need to be insured from possible damaged to their property – accidents, fire, storms or even act of terror. Insurance companies realizes the fear of homeowners about the loss of their loved property, and are scrambling hard over each other to offer the best rates and coverage to their potential customers.

However, Australia has been experiencing serious losses on properties over these last few years.


Natural Disasters causes unprecedented damage to the housing market, and the insurance companies have to bear the brunt of claims after claims from the homeowners – their losses have been piling up. As a result, rates on homeowners insurance have been increasing, and insurers are a lot more careful on who to offer their coverage to. Even those who already has coverage found themselves being slapped with a 10-20% increase in premiums when they renew their policy!

With these issues in mind, it will be good to have the cheapest homeowner’s insurance!

Here are a few tips to finding the cheapest coverage:

#1 Find a good agent- Some people believe in doing everything themselves, even when shopping for insurance. Not a good thing to do is you want the cheapest homeowner’s insurance. Get an insurance agent to help you. We would recommend Youi because this company is proven to be one of the best in Australia.
But beware – not all agents are there so serve you. Some will deliberately quote you more expensive insurance plans just so that they make more commissions!  Some agents also have little knowledge about coverage plans, and the exclusions and limitations. Ask around, get referrals from your friends and family members. When meeting these agents, check their credentials and years in the industry. Ask these agents to design and come up with the best coverage for your needs. Then pick one.

#2 Combine policies in hand with one provider – Most often than not, we have more than just one insurance. Auto, homeowners, health, travel etc. Sometimes, by combining all the insurances with one provider, the insurer could provide us with a cheaper quote. Ask your agents if this is possible.

#3 Buy as a team – Moving into a brand new neighborhood? try talking to other new homeowners and see if they are willing to join a ‘bulk purchase’. When 10 houses are looking for homeowner’s insurance, chances are insurers are willing to offer lower rates!

Home insurance concept.

#4 Check for regulations – Different cities have different requirements on homeowner’s insurance. Always check with the regulating departments in the city before signing any insurance plan.

#5 Improve your property – Insurers are more willing to provide cheaper coverage is your neighborhood has low crime, and the property itself is in good shape. Try discussing with the neighbors about setting up night-watches and community police to help control crime, or organize a weekend ‘neighborhood improvement’ session (everybody paints house, build fences, mow lawn, or clean drains). These would also help lowering your homeowner’s insurance as well.

Coverage, Insurance, Tips

One Way Travel Insurance


You might have thought that travel insurance can only be purchased for a round trip but that’s not true. There are many insurance providers in the United Kingdom and around the world that can cover you for a one way trip. One way travel insurance is a good way for people leaving the UK for an indefinite period of time or even emigrating to do so in a safe manner.

Travel insurance for one way trips

As the name of this type of policy implies, one way travel insurance will cover the owner of the policy over the period of the trip until he reaches the destination. Once arrived at the final destination the coverage will end. One way travel insurance will cover you until you reach your final destination regardless of the number of stops in between.


There are many types of policies and insurers that offer one way travel insurance so you don’t have to worry about travelling without any coverage. You can also find this type of policy online, so you can book it in advance, and have it by the time you depart on your trip.

One way travel insurance will provide all the coverage you need on your trip, usually providing the exact same amount of coverage as a regular round trip insurance policy. Trip cancellation, medical coverage, baggage loss and all the other usually types of coverage can be found.One way travel insurance is valid for all travelers, of all ages, and usually, kids go free, so you don’t have to worry about high costs if you travel with your entire family. Usually, one way travel insurance policies stop after 24-hours once you have reached the specified destination.

One way travel insurance policies:

Most Australia based insurers will offer their regular insurance policies as one way trip insurance policies so you can benefit from the same level of coverage as you would with a normal policy, but only for an outward trip.

This means you can benefit from special policies such as: business travel insurance, ski insurance, student insurance golf or winter sport insurance as one way policies. Most policies will also include different activities depending on the type of trip you are departing to. Sometimes up to 40 activities may be covered by a one way travel insurance policy.

While one way travel insurance is a convenient way of getting some coverage for a no return trip, there are some conditions that usually go along with one such policy.

Here are some of the conditions of one way trip policies:


  • Coverage is provided only for a single outward trip that starts in the United Kingdom;
  • The policy covers all stops in between the UK and the destination and should extend for a maximum of 8 days, and terminates at the end of a timeframe;
  • One way travel insurance automatically lapses in a 24 hour period once you arrive at the final destination;
  • This type of policy cannot be used for yearlong travels after which the traveler intends to return to the Australia

Finding a good one way travel insurance policy may take up so time and research but you should be able to find one and at a reasonable price. We recommend you find an online insurance comparison site where you can compare different policies from different companies until you find the one that best suits your travel needs.

Coverage, Insurance, Tips

Cheap and Comprehensive Travel Insurance

Attractive young couple walking on the beach with a seplane floating in the background
Attractive young couple walking on the beach with a seplane floating in the background

Most travelers associate a cheap travel insurance policy with a bad policy that will not cover them fully and usually skip over them while searching online for quotes. The truth is that you can find cheap but also good travel insurance policies online. Also if an insurer gives you a good price for a travel policy it does not mean it’s bad, it can mean that you qualified for a good price.

As a European traveler you can choose to purchase different types of insurance coverage depending on the destination of choice, the desired level of coverage and the different types of activities you may undertake during your travel. As such there are different types of insurance like regular, comprehensive, winter sports or many more.


Let’s take for example an insurance policy for European traveler, British or otherwise for a period of 17 days in the US. A comprehensive travel insurance policy for two travelers for worldwide travel will cost only £84.94.Here is the amount of coverage you get with a relatively cheap and comprehensive travel insurance policy that you can apply for even here on our website:

  • Cancellation or Curtailment coverage up to £2.000;*
  • Emergency medical repatriation coverage up to £5.000.000 with dental treatment coverage of up to £200 and hospitalization coverage up to £50 a day and up to £500 in total;• Personal accident, death, loss of limbs or permanent disablement coverage up to £15.000;**
  • Travel delay coverage up to £100 in total, abandonment coverage up to £2.000 in total and missed departure coverage up to £600 in total;
  • Legal expense coverage up to £5.000;
  • Personal possession coverage with coverage for single articles, total valuables, spectacles or delayed baggage – with maximum coverage of £2.500;

* Coverage amount is based per person covered.

**Each type of coverage has a different total amount of coverage.


These are only a part of the entire comprehensive travel insurance package. If you wish to learn more simply click on Get Quotes and use the calculator to get your own quote and check the comprehensive policy.

That amount of coverage is very comprehensive for a policy meant to cover two travelers, but if you wish an even cheaper policy it can be found but obviously it will be less comprehensive.

Also remember before purchasing any travel insurance policy, regardless of cost, you should always choose the amount of medical coverage based on an assessment of your travel medical needs. Also you should try and think carefully the extent of coverage you really need and try not to over-spend on travel insurance.