Insurance FAQs

Insurance is about protecting yourself from the unexpected. When you have belongings and property that are of value, you want to know that you are covered if they were damaged or lost. In Queensland, we are all too familiar with unpredictable weather and the impacts of cyclones, floods, storms and bushfires. But insurance also protects you against things like theft, damage and legal liability.

When you pay your insurance premium, it goes into a pool of money with everyone else’s premium. When people claim on their policy, that money comes out of the pool. In the event of a catastrophe e.g. large scale flooding or a cyclone, this pool of money goes to helping a lot of people recover. 

To make a claim, your medical practitioner will need to have advised you that you cannot work due to a sickness or injury. Please check your waiting period and the terms and conditions of your Product Disclosure Statement (PDS) for more information.

There are no pandemic exclusions on your policy. If you need to make a claim related to a pandemic as with any other claim, you will need to meet the eligibility requirements for your type of cover.

View more Insurance FAQs