About CoverLogic
We built the tool we wished existed — a free, honest way for Australians to understand their insurance without the jargon, pressure, or sales pitch.
Why we built this
Insurance in Australia is confusing by design. Policies are long, premiums change every year with little explanation, and most comparison tools are funded by the same insurers they're supposed to compare objectively.
We wanted something different — a tool that starts with your situation and tells you plainly whether your cover is appropriate. No sign-up required. No pressure. Just a score and an explanation in plain English.
CoverLogic was built to give every Australian — renter or homeowner, young or old — access to the same kind of coverage clarity that usually costs a broker consultation.
Honest scores, plain English
Our Insurance Health Score is calculated using factors like your cover amount relative to your asset value, your location's risk profile (bushfire zones, flood areas, coastal exposure), building age, security, and how recently you last reviewed your policy.
Scores range from 0–100. A high score means your cover is well-structured for your situation. A low score flags gaps worth addressing — whether that's underinsurance, an outdated policy, or paying too much for cover you don't need.
We also provide estimated premium ranges based on current Australian market averages so you have a benchmark before you call a broker or compare quotes.
What we stand for
Transparency
We explain how every score is calculated. No black boxes, no hidden agendas.
Independence
Our scores aren't influenced by insurers. We tell you what we see, not what earns us more commission.
Built for Australia
State-based risk benchmarks, MLS thresholds, and local market averages — all Australian, all current.
Privacy first
We don't sell your data. Emails collected are used only to send your requested report.
Referral disclosure
CoverLogic is free to use and always will be. To keep the lights on, we may earn a referral fee when you click through to an insurer or comparison service and purchase a policy. This does not affect our scores, recommendations, or editorial content.
We only link to services we believe are genuinely useful for Australians. Any affiliate relationships are clearly disclosed on the pages where they appear.
We're here to help
Have a question about your score, a suggestion, or just want to say hello? We reply within a few hours, free of charge.