Home Insurance

Many apartments are already covered by strata insurance, so you may not need to apply for a traditional home insurance policy to cover damage to the property. However, strata insurance may not always offer the cover you need. If you’re one of the 10% of Australians who live in apartments, it could be worth comparing contents insurance policies and other options.

Mark Bristow -

26 Apr, 2024 -

4 min read

Home Insurance

Contents insurance is a form of insurance that covers your personal possessions in the event of loss, damage or theft. Many insurance providers sell contents insurance as part of a package deal with home insurance, offering discounts if you purchase both together, but it is generally also available to purchase separately. 

Mark Bristow -

13 Feb, 2024 -

5 min read

Home Insurance

Renting out a room in your home can be beneficial in a number of ways - it can help you earn extra income to put towards household bills or mortgage payments, and it can even be a way to make use of a space that’s sitting dormant. That said, if you are considering becoming a landlord, even on a small scale, then it’s important to understand the legal requirements and the workings of the rental market, as well as how renting out a room could potentially affect your home and contents insurance. 

Mark Bristow -

09 Feb, 2024 -

5 min read

Home Loans

Lenders Mortgage Insurance (LMI) is an insurance policy that protects your lender if you default on your mortgage. The cost of LMI can be significant, and may affect your home loan budget when buying a property or refinancing a mortgage.

Mark Bristow -

18 Mar, 2024 -

4 min read

Home Loans

Lenders Mortgage Insurance (LMI) can make a big impact on your mortgage budget if you plan to borrow with a low deposit. Whilethere are several options available to avoid LMI, some may better suit some borrowers more than others.

Mark Bristow -

18 Mar, 2024 -

6 min read

Car Insurance

Your quote for a car insurance policy may suggest an annual premium. Still, most insurers also accept a monthly car insurance payment, often at no extra cost.

Alex Ritchie -

10 Aug, 2023 -

4 min read

Car Insurance

If you decide to cancel your car insurance policy, what happens to your car insurance? Can you get a refund on unused car insurance in such a scenario?

Mark Bristow -

29 Aug, 2023 -

3 min read

Car Insurance

For Australian seniors, car insurance usually costs more with age, and no insurer offers a specific policy. But they may be able to get some discounts.

Alex Ritchie -

22 Aug, 2023 -

5 min read

Credit Cards

Oftentimes, credit cards will come with complimentary insurances and warranties designed to offer peace of mind and greater protection for cardholders. Explore how credit card insurances work and what your card may offer.

Alex Ritchie -

26 Oct, 2023 -

4 min read

Credit Score

In Australia, only a very specific list of businesses and lenders can access your credit report - and they must only do so for specific reasons.

Eden Radford -

15 Mar, 2024 -

2 min read

Credit Cards

Navigating a tough financial situation can be tricky - so to help provide some guidance, RateCity spoke to Joanne Edwards, Chief Operating Officer of Wisr, a neo-lender and fintech that is focused on improving the financial wellness of all Australians and helping them make smart decisions.

Eden Radford -

24 Apr, 2024 -

6 min read

Home Insurance

It may surprise no-one to learn that Australia’s cost of living has increased over the past quarter. However, it was higher insurance premiums across house, home contents and motor vehicles that contributed to some of the largest price rises. Which could mean now is as good a time as ever, to be looking carefully at your current policies and comparing some alternatives to see if you could be getting better deals.

Mark Bristow -

08 Feb, 2024 -

3 min read

Home Loans

Many mortgage lenders have been gradually pulling their cashbacks from the market due to increasing refinancing activity and more intensive competition. But there are still cashback deals available for refinancers and first home buyers to compare, as well as other competitive incentives. 

Mark Bristow -

14 Feb, 2024 -

4 min read

Home Loans

The merger between ANZ and the banking arm of Suncorp is set to proceed, with a previous block from the competition watchdog being overturned. But what does this mean for Australian mortgage holders? 

Mark Bristow -

22 Feb, 2024 -

3 min read

Home Loans

The latest figures from the Australian Bureau of Statistics (ABS) show that Australia has experienced its lowest rate of inflation growth in two years. So, what does this mean for Australia’s interest rates in 2024, and for Australian home loans in turn?

Mark Bristow -

31 Jan, 2024 -

3 min read

Car Insurance

ASIC commenced civil penalty proceedings in the Federal Court last week, claiming some insurers used an algorithm to determine whether or not a customer might renew their policy at different premium levels.

Peter Terlato -

05 Sep, 2023 -

4 min read

Home Insurance

Because every Australian household is slightly different, so too will be the cost of their home insurance premiums. Insurers use a wide range of different factors to determine your policy’s cost, with each insurer calculating the premiums slightly differently.

Mark Bristow -

13 Sep, 2023 -

8 min read

Home Insurance

Renters insurance may be a no-brainer to protect your belongings from adverse events. Compare renters insurance coverage to find an insurance policy that may suit you.

Alex Ritchie -

29 Aug, 2023 -

5 min read

Home Insurance

Fire damage is typically included in most home insurance policies around Australia. If your home catches fire by accident and is damaged or destroyed, your insurance policy should cover the cost of repairing or rebuilding the property.

Mark Bristow -

24 Aug, 2023 -

6 min read

Car Insurance

Because insurers often treat drivers aged under 25 differently to older drivers, it’s important to compare policies from different insurers and to consider the cost of the premiums and the excess, as well as whether the features and benefits will offer value to younger drivers.

Mark Bristow -

09 Nov, 2023 -

5 min read

Car Insurance

Learn more about car insurance options for seniors and Australian pensioners. Compare a range of car insurance policies all in the one place.

Alex Ritchie -

09 Nov, 2023 -

6 min read

Car Insurance

Comprehensive car insurance is an insurance policy that thoroughly covers a vehicle against loss or damage. When you have a comprehensive car insurance policy in place, you can be confident that most common accidents and misadventures should be covered, so your wallet shouldn’t be hit too hard if you run into car trouble.

Mark Bristow -

20 Oct, 2023 -

6 min read