Customer Service


insure4less is about developing exclusive insurance products that can be bought easily and cheaply online. Our goal is to keep our prices as low as possible without compromising on the cover, insurer security or customer service.

Keeping Prices as Low as Possible

How do we get such great prices?
  • We exclude bad risks which end up costing you money. For example, we have a maximum age of 60 years on our travel insurance plans. We don’t want you subsidising the claims of those over 60 and thus paying a higher price for your insurance.
  • We’ve invested heavily in producing a quick and easy to use website where you can get a quote or buy a policy at any time, day or night. This helps reduce our overheads dramatically. We pass this saving on through a combination of a lower base price and an online discount.

Keeping the Customer Satisfied

We’re very proud of the high levels of service we consistently achieve.
  • Here's just an example of the many thank you notes we receive....
    I received the compensation cheque today in the mail and would just like to thank you for how efficiently and quickly it was dealt with. I will have no hesitation in purchasing travel insurance through your company for future trips. Kind regards, Ryan 
  • Take a look at what our customers say.
  • All valid, fully documented claims are guaranteed to be paid within 10 business days. 
  • We don't charge any administration fees for making changes or amendments to a policy.
  • We guarantee to respond to all email enquires within 2 business days but normally reply within a few hours.
  • All phone calls will be answered by a human being and always in Australia.

Giving You Complete Peace of Mind

  • insure4less provides insurance policies underwritten by some of the world’s largest insurance markets, including Lloyd’s of London, to give complete peace of mind. The current Insurer Financial Strength Ratings of the Lloyd's market are: AM Best A (Excellent); Fitch Ratings A+ (Strong); Standard and Poor's A+ (Strong).
  • insure4less holds an Australian Financial Services licence which, in terms of the Corporations Act, is required to be held by all underwriting agencies that provide financial services. This licence allows insure4less to provide general advice to retail and wholesale general insurance clients and to deal in general insurance products. Our Australian Financial Services Licence is No 241055. Check us out on ASIC’s website.
  • Your credit card details are safe - insure4less uses industry standard 128 bit SSL to encrypt data transferred between your browser and our server. We accept American Express, Visa and Mastercard and don't charge any credit card fees. There is no risk of credit card details being viewed or used for anything other than the insurance you have selected.
  • insure4less complies with the General Insurance Code of Practice, which sets out standards in areas such as buying insurance, claims handling, responding to catastrophes and disasters, information and education and dispute resolution. Click here for more info.
  • insure4less is an Australian company and isn't owned by a foreign parent.
  • insure4less is a Lloyd’s coverholder, which means we are authorised to enter into contracts of insurance and issue insurance documentation on behalf of the Lloyd’s syndicate.
  • All insure4less insurance policies are supported by a 15 day money back guarantee.

Looking After the Environment

We don’t pretend to be “holier than thou” when it comes to environmental matters. However, we do believe our approach to business is better for the environment compared to most other insurance companies.
  • All meetings and discussions with any of our interstate and overseas suppliers and underwriters are carried out by video-conference or telephone, thus avoiding the damaging effects of carbon dioxide emissions caused by continual air travel.
  • We don’t print sales brochures in their thousands only for them to go out of date and end up being thrown away. Instead, everything is updated on the website thereby avoiding wastage.
  • We haven’t designed large colourful product disclosure statements that use a ream of paper and a cartridge of ink to print out. For example, our travel product disclosure statement is the smallest in the market with just 9 pages.
  • We don’t automatically post certificates and policy wordings. 99.9% of our customers print their documents locally thus reducing the effect on the environment by not using envelopes or posties' fuel.

Get a Cheap Travel Insurance Quote Now!

Online Insurance Brokers Pty Ltd – fully authorised by ASIC to issue insurance - trades as insure4less and holds an Australian Financial Services licence No 241055.

General Insurance Code of Practice

 

insure4less complies with the General Insurance Code of Practice, which sets out a commitment by the general insurance industry to aim for the best standards of service possible, and to promote better relations between customers and insurers.

The Code describes standards in areas such as buying insurance, claims handling, responding to catastrophes and disasters, information and education and dispute resolution. Introduced in 1995 with the backing of consumer groups, the federal government, insurers and the Insurance Council of Australia, it is regularly updated.

More information on the Code, or a copy of the Code, can be obtained from the Financial Ombudsman Service (FOS). You can contact the FOS on 1300 780 808, or at www.financialombudsman.com.au .You can access the Code at www.codeofpractice.com.au.

If insure4less is unable to provide cover for you, you may wish to visit www.niba.com.au for a list of alternative insurance suppliers.

Lloyds Australia can be contacted at the following address - Lloyd's Australia Ltd, Suite 2, Level 21, Angel Place, 123 Pitt Street, Sydney, NSW, 2000, Australia. Tel: + 61 (0)2 9223 1433

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