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Using an insurance broker means an expert who is legally obligated to act in your interest shops the market on your behalf, tailors cover to your specific situation, and advocates for you when you make a claim. Going direct means buying from a single insurer's sales team with no ability to compare alternatives or receive personalised advice.
Brokers deliver the most value for complex risks that don't fit neatly into standard online products — business insurance, professional liability, construction, specialty vehicles, and high-value personal lines. For a simple renters contents policy, going direct is often fine. For any business insurance, specialist vehicle, or situation with specific conditions and obligations, a broker's expertise and market access is genuinely difficult to replicate with a DIY approach.
Not always on premium alone — a broker's commission is included in the premium and sometimes a broker places cover at a higher cost than a direct insurer's online price. The financial value proposition is different: brokers reduce the risk of the wrong cover (which costs nothing until you claim), negotiate policy terms and conditions, achieve better claims outcomes, and save you time. For business owners, the time saved and risk mitigation typically far outweighs any premium premium.
CoverMy connects you with licensed Australian insurance brokers who compete for your business.
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