When you're young and healthy, insurance might be the last thing on your mind. But here's the reality: getting health insurance early is one of the smartest financial moves you can make.

The biggest advantage? Locking in lower premiums while you're in good health. Your rates are based on your current age and health status, so if you're fit now, you'll qualify for the lowest premiums available—rates that can stay with you for life. Wait too long, and a future health condition could mean higher costs or coverage exclusions.

Private health insurance also gives you faster access to specialists and elective surgeries, helping you bypass public waitlists and get back to work or study sooner. And it's more affordable than most young people think, especially when tailored to your budget.

Don't wait until you need it to realise you should have acted sooner. The best time to secure health cover is when you're young, healthy, and least likely to think you need it.

Self-insurance is one of the most misunderstood financial strategies. It's not just for the wealthy or going without protection—it's deliberately setting aside funds to cover risks instead of paying insurance premiums.

The appeal is clear: control over your money and potential savings on premiums. But it comes with significant risks, especially for catastrophic events like house fires or major medical emergencies before you've built substantial reserves.

Self-insurance works best for predictable expenses when you have strong financial stability—think minor health costs or older vehicle repairs. It's risky for catastrophic events where losses could be financially devastating.

The smart approach? Partial self-insurance—taking higher excesses to lower premiums while maintaining coverage for major risks. This balances cost savings with essential protection.

Regular reviews ensure you’re not underinsured and that your assets or lifestyle changes are adequately protected. They also help you avoid overpaying by eliminating outdated coverage, potentially lowering premiums. Since insurance companies frequently update their products and pricing, a review might also reveal a more cost-effective policy.

With extreme weather events becoming more frequent and severe, safeguarding your home has never been more important. While these events may leave us feeling vulnerable, there are proactive steps you can take to protect your home and adapt to changing conditions. Here’s how.

As we dive into summer, it’s the perfect time to enjoy long days, road trips, beach outings, and all kinds of outdoor adventures. While having your insurance in place gives you peace of mind, taking some precautions can help reduce the risks of injury, illness, and accidents, so you can focus on making great memories. Here are some essential tips to help you and your loved ones stay safe this summer.

If you’ve ever thought about making a will but put it off for another day, you’re not alone. It’s one of those tasks that many people push down the priority list, especially if life is busy and everything seems fine. However, if you have life insurance, having a will is more important than you might think. Let’s dive into why having both life insurance and a will go hand in hand to protect your loved ones.

The fact that we’re all more open about mental health now is a great step forward, and more and more people are reaching out for the support they need. Income and medical insurance can be a really helpful resource along the way, offering everything from support for diagnosis and treatment to financial protection.

So, what is liability insurance, what does it cover and is it included in my policies already? These are the all important questions we’ll discuss in this blog.

In this article we explain what insurance premiums are, how they are calculated, and some handy hints for managing them.

In this article we review the difference between full replacement and sum insured, and help you understand your role in making sure your home is insured for the correct amount.

We share ideas on how to manage your bills in the short term if you were made redundant and whether redundancy insurance is an ‘add-on’ you should consider. We’ll discuss how redundancy insurance works, what it covers, and key points to keep in mind, helping you decide if it’s the right choice for you.

In this blog, we’ll give an overview of which insurance policies generally are tax deductible – and which aren’t. Please note that this article shouldn’t be taken as tax advice. Anyone researching for the purposes of making a financial decision should speak with a qualified accountant or tax specialist before doing so.

If you’ve got life or health insurance policies already in place, you may have assumed you’re set for life. In fact, while setting up insurance policies to protect yourself and your loved ones is critical, it’s equally vital to review your policies every single year. That’s because every policy holder’s circumstances are constantly changing – and your insurances need to be updated to reflect those changes.

Why you should maintain your insurance policy during recession

Having health insurance for your kids means you can access specialist medical care from private healthcare providers around the country without having to wait.