Household Insurance Online :: Privacy

Household Insurance Online Privacy Statement

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This is the privacy policy statement for Household Insurance Online and Clark Family Pty Ltd in relation to this website.

We have created this privacy policy statement in order to demonstrate our firm commitment to privacy. The following discusses our information gathering and dissemination practices for this website.

Information We Collect and How It's Used

To process your financial services referral request, Household Insurance Online requires your name, phone number, Email address, and any other information pertinent to the type of service you are requesting.

This information is used by the third party product and service providers in our network to provide accurate responses to your enquiries. Household Insurance Online provides this information to them on your behalf in order for them to provide a product or service to you. (Unless otherwise notified by us, these companies do not have any right to use the personally identifiable information we provide to them beyond what is necessary to assist us)

Personal information, including contact information, will never be released to any other party at any time.

Please Note: This website contains links to other websites. Clark Family Pty Ltd is not responsible for the privacy practices or the content of those websites.

Cookies

Household Insurance Online uses cookies to record session information and user-specific information on what web pages visitors access or visit in order to track the visitor's progress through our web site, analyze system performance, and ensure that visitors are not repeatedly sent the same promotional material.

Third-Party Advertising

We use third-party advertising companies to serve our ads on our website. These third-party advertising companies employ cookies and 1x1 pixel .gifs or web beacons to measure and improve the effectiveness of ads for their clients. To do so, these companies may use anonymous information about your visits to our website and other websites. This information can include: date/time of banner ad shown, the banner ad that was shown, their cookie, the IP address. This information can also be used for online preference marketing purposes.

Access to Personal Information

You may access your personal information, subject to a number of exceptions permitted by law. We reserve the right to determine the manner in which the information is accessed. If we deny you access we will provide you with written reasons and, depending on the circumstances of the denial, we may provide sufficient access to information through mutually agreeable intermediaries to meet the needs of you and us. If you request access to your personal information, you may be charged a reasonable fee or costs incurred such as photocopying, administration and postage.

If you would like access to your personal information please contact us. To ensure security and protection of your information, we may ask that your request be in writing.

Changes to Our Privacy Policy

To ensure that our privacy policy reflects market expectations and needs we will constantly review it and update it from time to time as the need arises.

Queries or Problems

If you have any queries or problems whatsoever in relation to our privacy policy or the handling of your personal information, please contact us

Further information about privacy issues and the protection of your personal information is obtainable from the Australian Federal Privacy Commissioner on: 1300 363 992.

What if you have a complaint?

If you consider that any action of ours breaches this Privacy Policy or the National Privacy Principles or otherwise does not respect your privacy, you can make a complaint. This will be acted upon promptly. To make a complaint, please contact Household Insurance Online in the first instance. If you are not satisfied with our response to your complaint, you can telephone the Australian Federal Privacy Commissioner`s hotline on: 1300 363 992.

If you have any question about this privacy statement, the practices of our website, or your dealings with our website, you can contact us.

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Household Insurance Articles

Essential Tips to Find the Right Home and Contents Insurance for Your Family
Essential Tips to Find the Right Home and Contents Insurance for Your Family
In the face of unpredictable climate patterns and wild weather, safeguarding your home becomes a top priority, especially in a country like Australia. Choosing the right home and contents insurance is essential in providing a financial safety net against the forces of nature. With this in mind, the importance of insurance cannot be overstated, acting as a crucial buffer to protect your property and belongings. - read more
Financial Planning for Homeowners: Top Strategies to Protect Your Assets
Financial Planning for Homeowners: Top Strategies to Protect Your Assets
Financial planning is a crucial aspect of personal finance, enabling individuals to manage their money effectively and achieve their financial goals. For homeowners, financial planning takes on even greater significance. It involves not just handling your income and expenses, but also protecting valuable assets like your home and possessions. - read more
The Most Common Mistakes in Household Insurance Claims and How to Prevent Them
The Most Common Mistakes in Household Insurance Claims and How to Prevent Them
Household insurance is a crucial safety net for both homeowners and renters in Australia, offering protection against a range of potential damages and losses. Navigating the insurance claims process, however, can often be challenging and fraught with pitfalls. - read more
How Often Should You Review and Update Your Household Insurance Policy?
How Often Should You Review and Update Your Household Insurance Policy?
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
Protecting Your Home: The What, Why, and How of Home Insurance
Protecting Your Home: The What, Why, and How of Home Insurance
As Australians, our homes are often at the heart of our livelihoods and hold significant emotional and financial value. Protecting this important asset is more than just a precaution; it's a necessary step in safeguarding our future. Home insurance acts as a shield against unpredictable events that can have devastating effects on our property and peace of mind. Whether it's from natural disasters or unforeseen accidents, the significance of home insurance cannot be understated. - read more

Insurance News

NSW Revisits CTP and Lifetime Care Schemes
NSW Revisits CTP and Lifetime Care Schemes
02 Sep 2025: Paige Estritori
New South Wales (NSW) is undertaking a detailed review of its Compulsory Third Party (CTP) insurance scheme as well as its lifetime care and support system. The Standing Committee on Law and Justice of the state's upper house has initiated this examination as part of their routine practice conducted every parliamentary term. The last thorough assessment took place in 2022. - read more
AFCA Upholds Insurer's Premium Increase Amid Consumer Complaint
AFCA Upholds Insurer's Premium Increase Amid Consumer Complaint
01 Sep 2025: Paige Estritori
A recent decision by the Australian Financial Complaints Authority (AFCA) has ruled against a homeowner seeking an $18,000 refund from Allianz. The homeowner claimed that the insurer failed to adequately inform her about substantial increases in her optional flood cover premiums. Initially, her monthly payments surged from $369 to $1277 in August 2022, a change she only noticed in March of the following year through her bank statements. - read more
Rising Group Premiums Pose Challenges for Australian Life Insurance
Rising Group Premiums Pose Challenges for Australian Life Insurance
28 Aug 2025: Paige Estritori
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
Concerns Arise Over Construction Code Pause Amid Housing Push
Concerns Arise Over Construction Code Pause Amid Housing Push
28 Aug 2025: Paige Estritori
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 Ordered to Increase Payout After Claim Handling Flaws
RACQ Insurance Ordered to Increase Payout After Claim Handling Flaws
27 Aug 2025: Paige Estritori
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

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Knowledgebase
Insurance Deductible:
That part of an insurance claim that must be paid by an insured person before the the balance is paid by the insurer.