Theft involving homes and cars are the most common types of crime. 

Unfortunately, the risk of theft still exists in the aftermath of extreme weather events, when homes and neighbourhoods have been evacuated. But you can help lower the risk of a break and enter by securing your home and car.


  • Install and use locks on your doors and windows.
  • Install and use a monitored alarm system.
  • Don’t leave spare keys under doormats, in shoes or other obvious places.
  • Keep cash and valuables hidden securely away. 
  • Mark your valuables using the Property Identification System.
  • Keep trees and shrubs trimmed back to reduce hiding places.
  • Install motion sensor lighting to help attract attention to movement around your house. 
  • Leave a light or radio on when you go out to help your house look ‘lived in’.
  • Arrange for someone to clear your letterbox when you go away.
  • Arrange for someone to put out and bring in your bins when required.
  • Lock your electricity meter box. You can buy a lock from your energy provider that allows them to access it for readings.
  • Always wind up the windows of your car. 
  • Park in well-lit or secure car parks when possible.

Be vigilant

  • Join your local Neighbourhood Watch or read their regular newsletters to keep across activity in your area.
  • Get to know your neighbours. Exchange numbers and keep an eye on each other’s homes.
  • Even when you’re at home, keep doors and windows locked. It is common for burglaries to occur while someone is at home.
  • Do reference checks on professionals coming into your home (e.g. cleaners, gardeners).
Visit the Queensland Police Service website for more on crime prevention.

Your insurance questions answered

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. 

The Emergency Services Levy (ESL) is an emergency services insurance contribution scheme that funds the fire and rescue emergency services in New South Wales (NSW). Insurance companies are required to contribute to the budget for these services in NSW each financial year. Insurers may reclaim this amount from their policyholders by charging an ESL in their insurance policy premium.

The Emergency Services Levy Insurance Monitor (ESL Monitor) published an Order requiring insurance companies, and those acting on their behalf, to provide a breakdown of the ESL component of the premium, as well as year on year premium comparisons. These disclosure requirements are being enforced by the ESL Insurance Monitor.

Will this increase insurance premiums?

There is no direct change to policy premiums because of the ESL. However, you may see an impact in the ESL contribution compared to last year.

Affected insurance products

These are the different policy types that are impacted by these changes:

  • Boat
  • Caravan
  • Household
  • Motor Vehicle
  • Body Corporate
  • Unique vehicle
  • Enthusiast Car & Motorcycle

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Insurance companies need insurance as well - this is reinsurance. In the event of a major catastrophe, sometimes the amount of money we pay to help customers recover from loss or damage takes a large portion out of our reserves. By insuring a percentage of those reserves, we make sure that we can recover some of the money we pay out to customers. That way we can continue to offer you a competitive premium. 

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