Unfortunately insurance is not as simple as purely comparing the sum insured and the premium, as the true value of your insurance is often found within the policy wording. With over 120 insurance companies licensed to do business in Australia it can be a confusing environment. Add to this the complexity that insurance policies can not only vary greatly between different insurers but the same insurer can also offer multiple versions of the same policy. Insurance policies are legal documents between yourself and the insurer so it is critical that care is taken when selecting your policy. The Insurance Council of Australia is still reporting that many people are risking underinsurance or insufficient cover because they are selecting their policy based on price rather than the coverage they really need. We have access to policy wordings that are not commonly available to the general public meaning that we can have additional benefits available to you, sometimes at no extra cost.