It’s Insured is proud to offer insurance advice and broker support with a comprehensive range of insurance products. We specialise in everything from general insurance to premium home and contents insurance, premium vehicle insurance as well as strata insurance. Our services are uniquely tailored to serve your individual circumstances and our team of insurance experts strives to be there for you every step of the way. Browse through to learn more about the insurance products we offer and get in touch with one of our experts for more information or for a quote.
Prestige Home & Contents Insurance
If you have a high-value home or contents worth more than $2 million, we recommend purchasing an insurance policy that is specifically tailored to cover such assets. At It’s Insured, we understand how valuable unique architectural designs, high-end finishes, art and collectibles can be. That’s why, we offer comprehensive Prestige Home & Contents Insurance services so you can obtain high levels of cover for significant assets such as your home, contents, fine art, jewellery, antiques and more.
The policies and products we offer cover the essentials to protect you and your home as well as some exclusive benefits that may include:
- Flood cover
- Fire damage
- Accidental damage
- Storm and storm surge
- Malicious damage
- Burst water pipes
- Fire brigade charges
- Loss of rent
- Legal fees
- and lots more
Our team of insurance experts understands that every home is different and is deserving of an insurance policy that reflects this. The expert insurance advisors at It’s Insured will work closely with you to assess your needs and provide tailored insurance advice on your available options. We will also work with your best interests in mind and rate and compare insurer performance before providing you with sound recommendations.
At It’s Insured, we make full use of our professional networks and long-standing relationships with high-value home and content insurers to provide you with the best policy coverage, premiums and rates. When you choose It’s Insured for your insurance advice, you get the advantage of your own dedicated insurance brokering team as well as exclusive insurance policies only offered to brokers.
Prestige Vehicle Insurance
When your car is an investment, a personal project or a valuable treasure more than a means of transport, we understand the need to make sure it is well protected. High value or specialist cars require specialist insurance, and that’s where our Prestige Vehicle Insurance comes in. Our team of expert insurance brokers at It’s Insured have access to a number of insurance policies specifically tailored towards vehicles from prestigious brands such as Lamborghini, Ferrari, Porsche, Aston Martin, Lotus, Rolls Royce, Bentley, Maserati, Mercedes, BMW, Jaguar, Audi and lots more. As with all our insurance services, we take care to assess your needs, rate and compare insurer performance before offering recommendations and provide advice that is uniquely tailored to your vehicle and needs.
Our comprehensive car insurance policy features and benefits include:
Choice of Repairer: We understand the importance of choosing who repairs your car after an accident, which is why we only consider policies that allow a choice of repairer.
Agreed Value: An agreed value policy means you know what your car is worth. This is important in the early high depreciation years and helps you understand exactly what the payout figure will be.
New Car Replacement: This benefit allows you to replace your car if you are the first registered user and your car is less than a certain age.
Salvage Rights: If your car is a total loss, this option allows you to retain your unrepaired vehicle while still being paid out the agreed value of the car.
Multi-Car (Fleet) Discount: If you insure more than one car, we can offer you a discount and insure all your cars under the same policy with just one renewal date.
Transit (Marine) Cover: This option protects your car for any damage or issues caused when it is in transit and being carried by another vehicle.
Lifetime Guarantee on Repairs: For your peace of mind, we can source policies that guarantee the workmanship and materials on all repairs for the life of your car.
Car Club Discount: If you are a Car Club member, you may be eligible for an additional discount.
Laid Up Cover: If you are in the process of restoring your car and haven’t been using it, this type of cover can provide a limited, lower cost cover for your car.
Legal Liability: This option offers larger limits of legal or public liability which allows you to be covered for up to $40,000,000 worth of legal liability against loss or damage to someone else’s property caused by the use of your car.
Theft of Keys and Recoding: If the keys to your car are stolen, this policy benefit pays for the repairs, replacement or recoding of your vehicle keys, locks and barrels.
It’s Insured also offers comprehensive, 3rd party, fire and theft or other limited cover insurance options if required. Other options such as NSW CTP insurance, Roadside assistance are also available. If you require specialist policies such as finance gap insurance, tyre and rim and extended motor warranty, our experts can help with that.
Our team is also able to provide you with advice on reducing the cost of your insurance by paying attention to aspects of risk management such as:
- Having limited drivers
- Age limits on drivers
- Excess levels
- Sums insured levels
- Security on vehicle and storage facilities
Strata Insurance
Strata insurance (or body corporate cover) is insurance that covers anything that falls under the management of a strata title or body corporate entity for residential, commercial or company title building. This includes common property such as common areas, lifts, pools, car parks, gardens, wiring, balconies, walls, windows, ceilings and floors. Strata insurance also provides cover for the legal liability of the Owners Corporation and is mandatory under state legislation. That’s why, it’s important to get specialist support with choosing the right strata insurance for your needs. With our team’s in-depth knowledge and experience, they can provide exclusive insights into the competitive strata insurance market and help you choose the product that best protects you and your assets. The expert insurance brokers at It’s Insured have access to insurance policies from multiple insurers and can provide quotes for all types of strata from single buildings to multiple complexes. For all new businesses and renewals, we seek out a minimum of 3 quotes for each strata building and offer insurers the opportunity to develop a unique product in accordance with their underwriting abilities. We net the premium the insurers charge to exclude commission and add a broker fee for our services to manage the policy during the year. This reduces the stamp duty and GST for the Body Corporate Body and reflects savings on your total policy costs.
Strata policies provide cover for the following:
- Building replacement & reinstatement
- Public liability
- Common contents
- Catastrophe
- Machinery breakdown
- Office bearers
- Fidelity guarantee
- Personal accident for voluntary workers
- Loss of rent and/or alternative accommodation
The It’s Insured team can source policies that may include additional cover and benefits such as:
Electric Motor Burnout: Coverage for any loss or damage caused by the components of an electric motor fusing or melting as a result of overheating from an electric current.
Rewriting of Body Corporate Records: Provides cover for costs involved in the preparation, reconstruction and/or rewriting of records, book of accounts or title deeds damaged following an insured loss. Some insurers may extend this cover to include electronic data.
Lot Owner’s Travel Costs: Some insurers provide a benefit to cover the lot/unit owner’s travel costs for attending meetings with claim adjusters or building repairers following insured damage.
Loss of Rent due to Failure of Utilities: Cover for lost rent when a lot/unit is leased but becomes temporarily uninhabitable due to the failure of utility services (electricity, gas, etc.).
Temporary Accommodation for Unit Owners’ Domestic Pets: When there is a loss or damage under the Building section of an insurance policy and the unit becomes temporarily uninhabitable, this benefits pays for temporary boarding or accommodation of a unit owner’s pets that normally reside at the premises.
Malicious Damage: Cover for loss or damage caused by a deliberate, intentional, malicious or criminal act designed to cause damage. This also includes damage inflicted by tenants.
How Is Your Premium Calculated?
There is a number of factors that can influence the calculation of your premium. These include:
- Location of the building
- Number of units
- The age, condition, quality and replacement cost of the building
- Claims history of the complex
- Any commercial activities carried out on the complex (eg: holiday letting)
- Costs of common property (eg: lifts, car parks, pools, playgrounds, etc.)
At It’s Insured, our insurance brokers and insurance advisors are skilled at making sure your building is getting the right kind of protection for your unique needs. We work closely with you to ensure you choose the options that best suit your need and at your preferred price point.
Our team is also equipped to advise on additional strata related insurance options such as:
Landlord’s Insurance: This policy is useful if you have rented your property for investment purposes. Landlord Insurance provides cover for your fixtures and fittings including blinds, carpets and light fittings inside the unit. It can also cover rent default and public liability.
Contents Insurance: It is advised that owner occupiers and tenants in strata buildings take out a Contents Insurance policy A Strata Insurance policy to protect their personal assets as well as personal liability associated with their home. This is because the coverage provided by a Strata Insurance policy ends as soon as the threshold of your front door is crossed and you step into your unit.