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.
Follow us!
We are a proud member of the Financial Services Online network!
Connect with us on your favourite social media platform for the latest financial news, views, resources and information.
Australia’s insurance sector has again turned attention to disaster resilience, warning that affordability and availability pressures will remain difficult to ease unless more is done to reduce the physical risk faced by homes, apartments and shared buildings. For strata schemes, the message is especially relevant: premiums are not only shaped by insurer appetite, but also by how vulnerable a building is to flood, storm, cyclone, bushfire and water damage. - read more
A new insurance affordability analysis has sharpened attention on a problem many Australian households and small businesses already feel: cover is becoming harder to budget for in higher-risk regions. While the research focuses heavily on home insurance pressure, the message also matters for tradies whose work, vehicles, tools and cash flow are exposed to the same storm, flood, fire and repair-cost pressures. - read more
The latest complaints snapshot across financial services has again underlined a simple but important lesson for Australian households: life insurance is not just about having a policy in place. It is also about understanding how that policy works when a claim is made. - read more
The latest seasonal fire outlook is a practical reminder that fire risk is not limited to the peak of summer. Across parts of northern Australia, strong wet-season growth can leave heavy grass and roadside fuel loads behind once conditions dry out. For mixed farms, cattle properties and broadacre operators, that creates a familiar but often underestimated exposure: a fast-moving grassfire that can damage assets well beyond the homestead. - read more
Fair Work’s move to require fortnightly fuel cost adjustments in road transport contractual chains from 21 April is more than an industrial relations update. For small transport operators, couriers, subcontracted drivers and businesses that rely on freight networks, it is a reminder that operating costs, contractual obligations and insurance exposures are closely connected. - read more
For many Australians, their home is their castle, their sanctuary, and most significantly, their largest investment. Safeguarding this asset against unpredictable events is not merely a consideration—it's a necessity. That's where Total Replacement Cover comes into play. But what does this term really mean, and why is it paramount when it comes to choosing a home insurance policy? - read more
Household insurance is an essential aspect of financial planning for Australian families. It provides peace of mind and financial protection in case of unexpected events such as natural disasters, theft, or accidents. Given the unpredictable nature of life, having the right insurance policy can safeguard your home and its contents, ensuring that you are not left in a financial bind when disaster strikes. - read more
Comprehensive household coverage, often referred to as home insurance, is a policy designed to protect your home and its contents against a wide array of risks. This type of coverage typically includes protection against natural disasters, theft, vandalism, and various unforeseen events. In simple terms, it's the safety net that ensures peace of mind should the unexpected happen to your property or possessions. - read more
Renovating your home can be an exciting time, but it can also be a stressful one. There are so many things to consider and plan for, including financing the renovations, choosing the right contractor, and selecting the materials to be used. One aspect that often gets overlooked during planning is the impact that renovations can have on your insurance coverage. - read more
It’s easy to think of household insurance as something you purchase once and forget about. However, this approach can leave you vulnerable to unexpected risks. Your home and its contents change over time, and so do your insurance needs. - read more
Knowledgebase
Underwriting: The process by which an insurer determines the risk of insuring a client and decides the terms of coverage.
