Free Australian Insurance Calculator — Home, Car & Health
Your Insurance Health Score
Answer a few questions. Get your personalised score in plain english, free & no sign up!
Common Questions About Insurance in Australia
Your score uses several factors: your cover amount relative to your asset or income level, your location risk (e.g. bushfire or flood zone), building or vehicle age, security measures, and how recently you reviewed your policy. Scores range from 0–100, with higher scores indicating well-structured cover.
Premium estimates are based on Australian market averages for 2025–2026 and are intended as a useful guide rather than a precise quote. Actual premiums vary by insurer and individual circumstances. Use these figures as a starting point, then compare quotes from 2–3 insurers or speak with a licensed broker.
Underinsurance occurs when your insurance payout would not fully cover rebuilding your home or replacing your contents after a total loss. It is widespread in Australia — many homeowners haven't updated their insured value to reflect rising construction costs. This tool flags potential underinsurance so you can take action before it matters.
Yes. The Medicare Levy Surcharge (MLS) is an extra tax of 1–1.5% on high-income earners who don't hold private hospital cover. For many Australians earning above the threshold, taking out basic hospital cover costs less than paying the surcharge — making it financially beneficial regardless of how often you use it.
At minimum, review your policies annually — ideally at renewal time. You should also review whenever you renovate, buy a new car, experience a significant income change, get married, or have children. Set-and-forget insurance is one of the most common causes of underinsurance in Australia.
Yes — the calculator covers NSW, VIC, QLD, WA, SA, TAS, ACT, and NT. Location risk benchmarks, stamp duty considerations, and Medicare Levy Surcharge thresholds are all adjusted based on your selected state.