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Strata insurance is a specialized type of insurance designed for properties that are divided into multiple units or lots, such as apartment buildings. It protects the entire building’s common property and the individual interests of the owners. This includes coverage for areas like hallways, gardens, and shared facilities. - read more
Strata insurance is a type of insurance designed specifically for properties that are managed under a strata title scheme. This typically includes multi-unit developments like apartments and townhouses. It covers common areas, such as gardens, hallways, and swimming pools, and provides protection for the owners' corporation against various liabilities and risks. - read more
Strata insurance is a type of cover designed specifically for properties that are subdivided into individual lots or units, which is common in residential and mixed-use developments. It protects the overall structure and shared areas of the property and is usually managed by a strata management body. This insurance is crucial not just for safeguarding the building itself but also for ensuring that common property, such as gardens, hallways, and balconies, is covered against a range of risks. - read more
Strata insurance is a specialized form of insurance designed to protect the common property and assets of a strata titled property, which is especially important for property owners in Australia. It provides coverage for shared areas such as hallways, gardens, and pools, as well as liability protection for incidents that may occur in these common spaces. - read more
Strata insurance is a specialized type of insurance designed to cover common properties and shared facilities in multi-unit developments, such as apartments and townhouses. This insurance provides protection for the building structure, common areas, and sometimes the individual units against various risks like fire, theft, and natural disasters. - read more
Insurance premiums for group life policies with long-term benefits have surged between 15% to 25% on average in the first half of the year, according to a mid-year market update from Marsh Australia. While the steepest increases affected those with adverse claims experiences, short-term rates and premiums for permanent disabilities remained relatively steady. The sector has also become more selective, with insurers adopting stricter underwriting standards, particularly eschewing high-risk industries. - read more
The federal government's initiative to accelerate housing development by relaxing certain building regulations has raised alarm within the insurance sector. Housing Minister Clare O’Neil announced changes on social media, indicating a strategic pause on parts of the National Construction Code to expedite building approvals and encourage the construction of much-needed homes across Australia. This move comes in response to challenges in the approval process, which often delays construction. - read more
RACQ Insurance has been instructed to bolster a payout to a customer following a ruling by the Australian Financial Complaints Authority (AFCA). The dispute arose after the insurer's handling of a house fire claim lodged by a woman in October 2023 was found lacking. The fire, initiated by scented candles, resulted in significant fire and smoke damage to her home. - read more
The Australian Securities and Investments Commission (ASIC) has spotlighted significant shortcomings in the direct sale of life insurance products, urging the industry to reassess its sales practices. The recent review unearthed ongoing issues with remuneration structures, indicating that some insurers still link commissions to sales targets, potentially fostering aggressive sales tactics. The study further revealed a troubling rise in claims disputes, with reported cases more than doubling since 2018, raising concerns about the transparency and trustworthiness of these policies. - read more
A recent ruling by the Australian Financial Complaints Authority (AFCA) has upheld an insurer's decision to impose an additional $2000 excess on a property policy, following a dispute raised by a policyholder over claims history impacts. - read more
Knowledgebase
Actuary: A professional who analyzes the financial costs of risk and uncertainty using mathematics, statistics, and financial theory.
