We also value your feedback and suggestions — they help us continually improve the Household Insurance Online experience and ensure our services meet the needs of our users.
For general questions, compliments, or complaints not related to a quote, please use our online contact form so we can direct your enquiry to the appropriate department promptly.
Contact Details
Mailing Address: PO Box 1183 Palm Beach, Queensland, Australia 4221
Office Location: 43 Larch Street Tallebudgera, Queensland, Australia 4228
Complaints Handling
If you have a concern or complaint about any aspect of our service, including the way your personal information has been handled, please contact us in the first instance. We will acknowledge your complaint promptly and aim to resolve it within a reasonable timeframe in accordance with our internal complaints procedure.
If you are not satisfied with our response, you may refer your complaint to the Australian Financial Complaints Authority (AFCA) — an independent external dispute resolution scheme approved by ASIC:
For complaints relating specifically to privacy or the handling of personal information, you may also contact the Office of the Australian Information Commissioner (OAIC):
Any personal information you provide via this website will be handled in accordance with our Privacy Policy. We collect this information to respond to your enquiry, manage your request, and, where applicable, refer you to a licensed professional. You can request access to or correction of your personal information at any time by contacting us in writing.
Licensing and Regulatory Information
This website is operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), located at 43 Larch Street, Tallebudgera QLD 4228, A.C.N. 010 281 008.
Clark Family Pty Ltd is an Authorised Credit Representative of Saccasan Pty Ltd (Australian Credit Licence No. 386297) and an Authorised Representative of Unique Group Broker Services (Australian Financial Services Licence No. 509434).
For more information about licensing and regulatory matters, please visit the ASIC website.
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The latest phase of New South Wales strata reform has brought strata insurance disclosure back into practical focus, moving the issue from policy debate to renewal-season reality for owners corporations. The changes are designed to make it clearer when a strata managing agent, broker, insurer or related party receives a commission, fee or other financial benefit connected with arranging insurance. - read more
Fresh life insurance performance data from APRA points to a market that is steadier than the disrupted conditions seen in recent years, but not one where employers can afford to be passive. For CFOs, HR leaders and directors, the message is less about a single quarterly result and more about the operating environment behind corporate life insurance pricing, claims service and product design. - read more
A fresh push to reform how NSW funds emergency services has put insurance affordability back in the spotlight, especially for small businesses that already feel every increase at renewal time. The issue centres on the Emergency Services Levy, which is applied through many insurance policies and has long been criticised by parts of the insurance sector as a disincentive to maintaining adequate cover. - read more
Australia’s tougher operational risk regime is sharpening the focus on how life insurers manage the systems, partners and processes that sit behind every policy. APRA’s CPS 230 standard requires regulated insurers to identify critical operations, set clear disruption tolerances and strengthen oversight of material service providers. For customers, this is not just a back-office compliance story. - read more
Fresh compliance attention on life insurance claims handling is a timely reminder that cover is only valuable if it can respond clearly and efficiently when a business is under pressure. Recent industry monitoring has again highlighted familiar issues for life insurers, including claim delays, communication gaps, repeated evidence requests and the need for more consistent support where customers are vulnerable or dealing with complex medical events. - read more
Embarking on the journey of homeownership is a landmark event full of anticipation and dreams. As Australians, we cherish the sanctuary of our homes against the backdrop of our incredibly diverse and sometimes unpredictable climate. However, with this excitement comes a significant responsibility—protecting your investment with the right home insurance. - read more
Household insurance, commonly referred to as home insurance, is a type of policy that provides financial protection for your home and belongings against damage, theft, or loss. In Australia, this type of insurance is crucial for homeowners and renters alike, offering peace of mind in the face of unexpected events. It's designed to help you recover and rebuild without bearing the full financial burden yourself. - read more
One of the best ways to lower your home and contents insurance premiums is to shop around for the best deal. Insurance companies often have varying rates, discounts, and offers that could save you a significant amount of money. Start by researching different insurance providers and their policy offerings. Make sure to compare not only pricing but also features, coverages and deductible amounts. - read more
The unpredictable nature of life can often leave us vulnerable to financial uncertainty, especially when it comes to our ability to earn an income. Whether due to illness, injury, or unexpected job loss, the loss of income can have a devastating impact on our financial stability and quality of life. This is where the importance of insurance in financial planning becomes evident. - read more
If you disagree with a home insurance claim decision or settlement offer, you can ask for written reasons, gather evidence, use your insurer's internal dispute resolution process and, if needed, consider escalating the complaint to AFCA. - read more
Knowledgebase
No-Fault Insurance: A type of car insurance where your insurer pays for your damages regardless of who is at fault in an accident.
