Cover matched to the bond, not sold on top of it.
Insurance advisory
Banks require building insurance and, in most cases, life cover ceded against the bond. You're not obliged to take the bank's own product. We quote the market on both, show you what the difference costs across the life of the loan, and handle the cession paperwork either way.
What is included
Homeowners cover
The structure itself, which the bank insists on. Compared across insurers rather than defaulted to the lender's in-house policy.
Bond protection and life cover
Cover sized to the outstanding balance, so the bond is settled rather than inherited, with the cession lodged correctly.
Household contents and all risk
The contents inside the building, plus portable items, which a bond-linked structure policy does not cover.
Commercial and sectional title
Cover for tenanted assets, body corporates, and business interruption on owner-occupied premises.
How the process runs
- 01Confirm what your bond grant actually requires
- 02Quote the market on structure and life cover
- 03Present a side by side comparison, including exclusions
- 04Place the policy and lodge the cession with the bank
- 05Review at each renewal against the outstanding balance
What to have ready
- A copy of the bond grant or quotation
- Property details, including construction type and security
- Existing policy schedules, if you already have cover