{
  "name": "Crown Money Insurance Renewal Check — open dataset",
  "url": "https://insurance.crownmoney.com.au",
  "generatedAt": "2026-09-08T13:24:22.590Z",
  "licence": "Free to use with attribution to Crown Money and a link to https://insurance.crownmoney.com.au",
  "disclaimer": "General information only. Not financial product advice. Crown Money is a mortgage and finance broker, not an insurance broker, and receives no commission from insurers. A policy’s Product Disclosure Statement is always the authoritative source.",
  "benchmarks": {
    "$comment": "Market benchmarks. Every figure names its source, date and methodology. Where published sources disagree we show the range rather than picking one — the disagreement is real and reflects different sampling methods. Never present these as a quote.",
    "updatedAt": "2026-09-08",
    "inflation": {
      "cpiHeadline": {
        "value": 3.8,
        "unit": "percent",
        "period": "12 months to June 2026",
        "source": "Australian Bureau of Statistics",
        "url": "https://www.abs.gov.au/media-centre/media-releases/cpi-rose-38-year-june-2026",
        "verifiedAt": "2026-09-08"
      },
      "homeInsuranceMarketMovement": {
        "value": 14.78,
        "unit": "percent",
        "period": "June 2025 to June 2026",
        "detail": "Average indicative home and contents quotes across national capitals rose from $2,529.43 to $2,903.36.",
        "source": "Compare the Market",
        "url": "https://www.comparethemarket.com.au/news/home-insurance-quotes-surge-more-than-300-across-capital-cities/",
        "verifiedAt": "2026-09-08"
      },
      "homeInsuranceFiveYear": {
        "value": 51,
        "unit": "percent",
        "period": "five years to 2026",
        "source": "Insurance Business Australia",
        "url": "https://www.insurancebusinessmag.com/au/news/property/australian-home-insurance-premiums-climb-51-in-five-years-566224.aspx",
        "verifiedAt": "2026-09-08"
      }
    },
    "home": {
      "national": {
        "capitalCityAverage": {
          "value": 2903,
          "currency": "AUD",
          "period": "June 2026",
          "basis": "average indicative home and contents quote across national capitals",
          "source": "Compare the Market",
          "url": "https://www.comparethemarket.com.au/news/home-insurance-quotes-surge-more-than-300-across-capital-cities/",
          "verifiedAt": "2026-09-08"
        },
        "contentsOnly": {
          "value": 520,
          "currency": "AUD",
          "period": "January 2026",
          "basis": "contents-only cover at a $50,000 sum insured",
          "source": "Canstar",
          "url": "https://www.canstar.com.au/home-insurance/home-contents-insurance-cost/",
          "verifiedAt": "2026-09-08"
        }
      },
      "regional": {
        "northQldNt": {
          "low": 3000,
          "high": null,
          "currency": "AUD",
          "basis": "average home and contents premium, north Queensland and Northern Territory",
          "source": "ACCC Insurance Monitoring Report",
          "url": "https://www.accc.gov.au/about-us/publications/serial-publications/insurance-monitoring-reports",
          "verifiedAt": "2026-09-08",
          "note": "Cyclone risk. The Commonwealth cyclone reinsurance pool has moderated increases in medium-to-high risk areas."
        },
        "northWa": {
          "low": 4395,
          "high": 4600,
          "currency": "AUD",
          "basis": "average home and contents premium, north Western Australia",
          "source": "ACCC Insurance Monitoring Report",
          "url": "https://www.accc.gov.au/about-us/publications/serial-publications/insurance-monitoring-reports",
          "verifiedAt": "2026-09-08"
        }
      },
      "byState": {
        "$status": "pending-verification",
        "$note": "State-level home benchmarks require the ACCC 2026 monitoring report tables (published 25 June 2026) to be parsed. Until then the tool benchmarks against the national capital-city figure and is explicit that it is doing so."
      }
    },
    "car": {
      "national": {
        "comprehensive": {
          "low": 1560,
          "high": 2900,
          "currency": "AUD",
          "period": "2026",
          "basis": "annual comprehensive premium. The range reflects genuine disagreement between published sources using different sampling methods.",
          "sources": [
            {
              "name": "Finder",
              "value": 1560,
              "url": "https://www.finder.com.au/car-insurance/how-much-does-car-insurance-cost"
            },
            {
              "name": "Canstar",
              "low": 1800,
              "high": 2900,
              "url": "https://www.canstar.com.au/car-insurance/what-does-car-insurance-cost/"
            }
          ],
          "verifiedAt": "2026-09-08"
        }
      },
      "byState": {
        "NSW": {
          "comprehensive": 1698,
          "currency": "AUD",
          "source": "Finder",
          "url": "https://www.finder.com.au/car-insurance/how-much-does-car-insurance-cost",
          "verifiedAt": "2026-09-08"
        },
        "VIC": {
          "comprehensive": 3293,
          "currency": "AUD",
          "source": "Canstar",
          "url": "https://www.canstar.com.au/news/car-insurance-costs-rev-up/",
          "verifiedAt": "2026-09-08",
          "note": "Victoria is currently the most expensive state to insure a car and saw the largest dollar increase over the prior 12 months. Note this figure uses Canstar's methodology and is not directly comparable to the NSW figure above, which is Finder's."
        },
        "QLD": {
          "$status": "pending-verification"
        },
        "SA": {
          "$status": "pending-verification"
        },
        "WA": {
          "$status": "pending-verification"
        },
        "TAS": {
          "$status": "pending-verification"
        },
        "ACT": {
          "$status": "pending-verification"
        },
        "NT": {
          "$status": "pending-verification"
        }
      }
    }
  },
  "underwriters": {
    "$comment": "Retail insurance brand -> underwriting entity mapping. The PDS of any policy always names its issuer and is the authoritative source; these mappings are a navigational aid, not a substitute for reading it. Mappings change when books of business are sold, so every entry carries verifiedAt and confidence. The refresh-data function re-checks these against published PDS documents.",
    "updatedAt": "2026-09-08",
    "authorityNote": "Always confirm the issuer named in the Product Disclosure Statement before relying on any mapping here.",
    "groups": [
      {
        "id": "iag",
        "name": "IAG",
        "legalName": "Insurance Australia Group Limited",
        "underwritingEntity": "Insurance Australia Limited",
        "note": "Australia's largest general insurer, and getting larger: it now underwrites the RACV and RACQ books as well as its own brands. SGIO and SGIC stopped selling new policies in 2022 and their personal lines customers were moved to the NRMA Insurance brand.",
        "brands": [
          {
            "name": "NRMA Insurance",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "high",
            "accent": "#003A70",
            "domain": "nrma.com.au",
            "quoteUrl": "https://www.nrma.com.au/",
            "logo": "/logos/nrma-insurance.png"
          },
          {
            "name": "CGU",
            "lines": [
              "home",
              "car",
              "business"
            ],
            "confidence": "high",
            "accent": "#0C2340",
            "domain": "cgu.com.au",
            "quoteUrl": "https://www.cgu.com.au/",
            "logo": "/logos/cgu.png"
          },
          {
            "name": "WFI",
            "lines": [
              "home",
              "car",
              "rural"
            ],
            "confidence": "high",
            "accent": "#1B4B7A",
            "domain": "wfi.com.au",
            "quoteUrl": "https://www.wfi.com.au/",
            "logo": "/logos/wfi.png"
          },
          {
            "name": "ROLLiN'",
            "lines": [
              "car"
            ],
            "confidence": "medium",
            "accent": "#2B2B7A",
            "domain": "rollininsurance.com.au",
            "quoteUrl": "https://www.rollininsurance.com.au/",
            "logo": "/logos/rollin.png"
          },
          {
            "name": "Coles Car Insurance",
            "lines": [
              "car"
            ],
            "confidence": "medium",
            "note": "Coles car and Coles home are underwritten by different groups — check the PDS for each.",
            "accent": "#B0292F",
            "domain": "coles.com.au",
            "quoteUrl": "https://www.coles.com.au/insurance",
            "logo": "/logos/coles-car-insurance.png"
          },
          {
            "name": "RACV",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "high",
            "note": "Underwritten by Insurance Manufacturers of Australia (IMA), owned 70% by IAG and 30% by RACV. RACV distributes; IAG manufactures.",
            "availableIn": [
              "VIC"
            ],
            "accent": "#003F7D",
            "domain": "racv.com.au",
            "quoteUrl": "https://www.racv.com.au/insurance.html",
            "logo": "/logos/racv.png"
          },
          {
            "name": "RACQ",
            "lines": [
              "home",
              "car",
              "ctp"
            ],
            "confidence": "high",
            "note": "IAG acquired 90% of RACQ Insurance, with a 25-year distribution agreement. RACQ remains the consumer brand.",
            "availableIn": [
              "QLD"
            ],
            "accent": "#004B87",
            "domain": "racq.com.au",
            "quoteUrl": "https://www.racq.com.au/insurance",
            "logo": "/logos/racq.png"
          }
        ],
        "sources": [
          "https://www.choice.com.au/money/insurance/insurance-advice/articles/allianz-nrma-qbe-aami-gio-and-suncorp-insurance-compared",
          "https://en.wikipedia.org/wiki/Insurance_Australia_Group",
          "https://www.iag.com.au/about-us/what-we-do/key-relationships"
        ],
        "verifiedAt": "2026-09-08",
        "afcaComplaints": {
          "received": 3592,
          "period": "2024-25",
          "source": "AFCA",
          "url": "https://www.afca.org.au/annual-review-general-insurance-complaints",
          "verifiedAt": "2026-09-08"
        }
      },
      {
        "id": "suncorp",
        "name": "Suncorp",
        "legalName": "Suncorp Group Limited",
        "underwritingEntity": "AAI Limited",
        "note": "Second largest general insurer in Australia. A single group sits behind a wide spread of consumer brands positioned at different price points.",
        "brands": [
          {
            "name": "AAMI",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "high",
            "accent": "#0B5FA5",
            "domain": "aami.com.au",
            "quoteUrl": "https://www.aami.com.au/",
            "logo": "/logos/aami.png"
          },
          {
            "name": "GIO",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "high",
            "accent": "#0C4DA2",
            "domain": "gio.com.au",
            "quoteUrl": "https://www.gio.com.au/",
            "logo": "/logos/gio.png"
          },
          {
            "name": "Suncorp Insurance",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "high",
            "accent": "#F5A623",
            "domain": "suncorp.com.au",
            "quoteUrl": "https://www.suncorp.com.au/insurance.html",
            "logo": "/logos/suncorp-insurance.png"
          },
          {
            "name": "Apia",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "high",
            "note": "Targeted at over-50s.",
            "accent": "#5B2D8E",
            "domain": "apia.com.au",
            "quoteUrl": "https://www.apia.com.au/",
            "logo": "/logos/apia.png"
          },
          {
            "name": "Shannons",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "high",
            "note": "Enthusiast and classic vehicles.",
            "accent": "#B8232F",
            "domain": "shannons.com.au",
            "quoteUrl": "https://www.shannons.com.au/"
          },
          {
            "name": "Bingle",
            "lines": [
              "car"
            ],
            "confidence": "high",
            "note": "Budget-positioned, deliberately stripped back.",
            "accent": "#E4572E",
            "domain": "bingle.com.au",
            "quoteUrl": "https://www.bingle.com.au/",
            "logo": "/logos/bingle.png"
          },
          {
            "name": "Terri Scheer",
            "lines": [
              "landlord"
            ],
            "confidence": "high",
            "accent": "#2E6E4F",
            "domain": "terrischeer.com.au",
            "quoteUrl": "https://www.terrischeer.com.au/",
            "logo": "/logos/terri-scheer.png"
          },
          {
            "name": "Vero",
            "lines": [
              "business"
            ],
            "confidence": "high",
            "accent": "#0F4C81",
            "domain": "vero.com.au",
            "quoteUrl": "https://www.vero.com.au/",
            "logo": "/logos/vero.png"
          }
        ],
        "sources": [
          "https://www.suncorpgroup.com.au/about/brands",
          "https://en.wikipedia.org/wiki/Suncorp_Group"
        ],
        "verifiedAt": "2026-09-08",
        "afcaComplaints": {
          "received": 5883,
          "period": "2024-25",
          "source": "AFCA",
          "url": "https://www.afca.org.au/annual-review-general-insurance-complaints",
          "verifiedAt": "2026-09-08"
        }
      },
      {
        "id": "auto-general",
        "name": "Auto & General",
        "legalName": "Auto & General Holdings Pty Ltd",
        "underwritingEntity": "Auto & General Insurance Company Limited",
        "note": "Underwrites its own direct brand alongside a number of white-label partnerships with retailers and banks.",
        "brands": [
          {
            "name": "Budget Direct",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "high",
            "accent": "#E4002B",
            "domain": "budgetdirect.com.au",
            "quoteUrl": "https://www.budgetdirect.com.au/",
            "logo": "/logos/budget-direct.png"
          },
          {
            "name": "Coles Home Insurance",
            "lines": [
              "home"
            ],
            "confidence": "medium",
            "note": "Coles home and Coles car are underwritten by different groups.",
            "accent": "#B0292F",
            "domain": "coles.com.au",
            "quoteUrl": "https://www.coles.com.au/insurance",
            "logo": "/logos/coles-home-insurance.png"
          },
          {
            "name": "ING Insurance",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "medium",
            "accent": "#FF6200",
            "domain": "ing.com.au",
            "quoteUrl": "https://www.ing.com.au/insurance.html",
            "logo": "/logos/ing-insurance.png"
          },
          {
            "name": "Virgin Money Insurance",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "medium",
            "accent": "#C8102E",
            "domain": "virginmoney.com.au",
            "quoteUrl": "https://virginmoney.com.au/insurance"
          },
          {
            "name": "1st for Women",
            "lines": [
              "car"
            ],
            "confidence": "medium",
            "accent": "#7A1F5C",
            "domain": "1stforwomen.com.au",
            "quoteUrl": "https://www.1stforwomen.com.au/",
            "logo": "/logos/1st-for-women.png"
          }
        ],
        "sources": [
          "https://en.wikipedia.org/wiki/Budget_Direct",
          "https://www.choice.com.au/money/insurance/car/articles/should-you-buy-car-insurance-from-coles-woolworths-aldi"
        ],
        "verifiedAt": "2026-09-08",
        "afcaComplaints": {
          "received": 3032,
          "period": "2024-25",
          "source": "AFCA",
          "url": "https://www.afca.org.au/annual-review-general-insurance-complaints",
          "verifiedAt": "2026-09-08"
        }
      },
      {
        "id": "hollard",
        "name": "Hollard",
        "legalName": "The Hollard Insurance Company Pty Ltd",
        "underwritingEntity": "The Hollard Insurance Company Pty Ltd",
        "note": "Underwrites a large portfolio of partner and direct-response brands. Acquired Commonwealth Bank's general insurance business in 2022.",
        "brands": [
          {
            "name": "Woolworths Everyday Insurance",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "medium",
            "accent": "#1B7A3D",
            "domain": "insurance.woolworths.com.au",
            "quoteUrl": "https://insurance.woolworths.com.au/",
            "logo": "/logos/woolworths-everyday-insurance.png"
          },
          {
            "name": "Real Insurance",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "medium",
            "accent": "#0E7C7B",
            "domain": "realinsurance.com.au",
            "quoteUrl": "https://www.realinsurance.com.au/",
            "logo": "/logos/real-insurance.png"
          },
          {
            "name": "Australian Seniors",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "medium",
            "accent": "#1F5C8B",
            "domain": "seniors.com.au",
            "quoteUrl": "https://www.seniors.com.au/",
            "logo": "/logos/australian-seniors.png"
          },
          {
            "name": "Guardian Insurance",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "medium",
            "accent": "#2F4B7C",
            "domain": "guardianinsurance.com.au",
            "quoteUrl": "https://www.guardianinsurance.com.au/",
            "logo": "/logos/guardian-insurance.png"
          },
          {
            "name": "CommBank Home Insurance",
            "lines": [
              "home"
            ],
            "confidence": "medium",
            "accent": "#FFCC00",
            "domain": "commbank.com.au",
            "quoteUrl": "https://www.commbank.com.au/insurance.html",
            "logo": "/logos/commbank-home-insurance.png"
          }
        ],
        "sources": [
          "https://www.thenewdaily.com.au/money/consumer/2018/09/12/woolworths-insurance-comparison",
          "https://www.choice.com.au/money/insurance/home-and-contents/articles/supermarket-home-insurance-from-coles-woolies-aldi"
        ],
        "verifiedAt": "2026-09-08"
      },
      {
        "id": "qbe",
        "name": "QBE",
        "legalName": "QBE Insurance Group Limited",
        "underwritingEntity": "QBE Insurance (Australia) Limited",
        "note": "Global insurer. In Australia it underwrites its own brand plus several retail partnerships.",
        "brands": [
          {
            "name": "QBE",
            "lines": [
              "home",
              "car",
              "ctp"
            ],
            "confidence": "high",
            "accent": "#152C5B",
            "domain": "qbe.com",
            "quoteUrl": "https://www.qbe.com/au/",
            "logo": "/logos/qbe.png"
          },
          {
            "name": "Australia Post Insurance",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "medium",
            "accent": "#D6001C",
            "domain": "auspost.com.au",
            "quoteUrl": "https://auspost.com.au/insurance",
            "logo": "/logos/australia-post-insurance.png"
          },
          {
            "name": "Kogan Insurance",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "medium",
            "accent": "#111111",
            "domain": "kogan.com",
            "quoteUrl": "https://www.kogan.com/au/insurance/",
            "logo": "/logos/kogan-insurance.png"
          }
        ],
        "sources": [
          "https://www.choice.com.au/money/insurance/insurance-advice/articles/allianz-nrma-qbe-aami-gio-and-suncorp-insurance-compared"
        ],
        "verifiedAt": "2026-09-08",
        "afcaComplaints": {
          "received": 1619,
          "period": "2024-25",
          "source": "AFCA",
          "url": "https://www.afca.org.au/annual-review-general-insurance-complaints",
          "verifiedAt": "2026-09-08"
        }
      },
      {
        "id": "allianz",
        "name": "Allianz",
        "legalName": "Allianz Australia Limited",
        "underwritingEntity": "Allianz Australia Insurance Limited",
        "brands": [
          {
            "name": "Allianz",
            "lines": [
              "home",
              "car",
              "ctp"
            ],
            "confidence": "high",
            "accent": "#003781",
            "domain": "allianz.com.au",
            "quoteUrl": "https://www.allianz.com.au/",
            "logo": "/logos/allianz.png"
          },
          {
            "name": "Club Marine",
            "lines": [
              "marine"
            ],
            "confidence": "high",
            "accent": "#00629B",
            "domain": "clubmarine.com.au",
            "quoteUrl": "https://www.clubmarine.com.au/",
            "logo": "/logos/club-marine.png"
          },
          {
            "name": "TIO",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "medium",
            "note": "Northern Territory.",
            "availableIn": [
              "NT"
            ],
            "accent": "#00539B",
            "domain": "tiofi.com.au",
            "quoteUrl": "https://www.tiofi.com.au/"
          },
          {
            "name": "RAA",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "medium",
            "note": "Allianz purchased RAA's general insurance business and underwrites and handles claims under the RAA brand. The ACCC did not oppose the acquisition.",
            "availableIn": [
              "SA"
            ],
            "accent": "#00539F",
            "domain": "raa.com.au",
            "quoteUrl": "https://www.raa.com.au/insurance",
            "logo": "/logos/raa.png"
          }
        ],
        "sources": [
          "https://www.choice.com.au/money/insurance/insurance-advice/articles/allianz-nrma-qbe-aami-gio-and-suncorp-insurance-compared",
          "https://www.accc.gov.au/media-release/allianz%E2%80%99-proposed-acquisition-of-raa-insurance-not-opposed"
        ],
        "verifiedAt": "2026-09-08",
        "afcaComplaints": {
          "received": 1736,
          "period": "2024-25",
          "source": "AFCA",
          "url": "https://www.afca.org.au/annual-review-general-insurance-complaints",
          "verifiedAt": "2026-09-08"
        }
      },
      {
        "id": "youi",
        "name": "Youi",
        "legalName": "Youi Pty Ltd",
        "underwritingEntity": "Youi Pty Ltd",
        "note": "Owned by OUTsurance Holdings, originally South African. Self-underwrites.",
        "brands": [
          {
            "name": "Youi",
            "lines": [
              "home",
              "car",
              "ctp"
            ],
            "confidence": "high",
            "accent": "#00A9CE",
            "domain": "youi.com.au",
            "quoteUrl": "https://www.youi.com.au/",
            "logo": "/logos/youi.png"
          }
        ],
        "sources": [
          "https://www.shopback.com.au/blog/finance/au-car-insurance-nrma-vs-youi-vs-budget-direct-vs-aami-2026"
        ],
        "verifiedAt": "2026-09-08"
      },
      {
        "id": "rac-wa",
        "name": "RAC WA",
        "legalName": "RAC Insurance Pty Limited",
        "underwritingEntity": "RAC Insurance Pty Limited",
        "note": "Still an independent underwriter, and one of the few left. IAG agreed to buy RAC's insurance arm for about $1.35 billion, but the ACCC opposed the deal in December 2025 on the grounds it would substantially lessen competition in Western Australian motor and home insurance — RAC is the WA market leader in both. IAG re-notified under the merger regime that began on 1 January 2026 and the ACCC moved it to a Phase 2 review in April 2026. No final decision at the time of writing, so RAC continues to underwrite its own policies.",
        "brands": [
          {
            "name": "RAC WA",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "high",
            "availableIn": [
              "WA"
            ],
            "accent": "#005EB8",
            "domain": "rac.com.au",
            "quoteUrl": "https://rac.com.au/insurance",
            "logo": "/logos/rac-wa.png"
          }
        ],
        "sources": [
          "https://www.accc.gov.au/media-release/accc-opposes-iags-proposed-acquisition-of-rac-was-insurance-arm",
          "https://www.accc.gov.au/media-release/iags-acquisition-of-rac-insurance-requires-phase-2-review",
          "https://rac.com.au/about-rac/rac-and-iag"
        ],
        "verifiedAt": "2026-09-08",
        "watchItem": "IAG acquisition under ACCC Phase 2 review — re-check before relying on this."
      },
      {
        "id": "ract",
        "name": "RACT",
        "legalName": "RACT Insurance Pty Ltd",
        "underwritingEntity": "RACT Insurance Pty Ltd (AFSL 229076)",
        "note": "Tasmania. Wholly owned by the RACT Group since Suncorp sold its 50% stake in 2021, and self-underwrites.",
        "brands": [
          {
            "name": "RACT",
            "lines": [
              "home",
              "car"
            ],
            "confidence": "high",
            "availableIn": [
              "TAS"
            ],
            "accent": "#0072CE",
            "domain": "ract.com.au",
            "quoteUrl": "https://www.ract.com.au/insurance",
            "logo": "/logos/ract.png"
          }
        ],
        "sources": [
          "https://www.ract.com.au/"
        ],
        "verifiedAt": "2026-09-08"
      }
    ],
    "consolidationNote": "The number of genuinely independent underwriters in Australia is shrinking. IAG has absorbed the RACQ book and holds a longstanding joint venture over RACV; Allianz has taken on RAA. Of the state motoring clubs, only RAC WA and RACT still underwrite their own policies — and RAC WA is the subject of an IAG acquisition the ACCC has already opposed once. This matters when you shop around: fewer underwriters means more brands that are not actually competing with each other.",
    "complaintsContext": {
      "totalGeneralInsurance": 34231,
      "changeOnPriorYear": 17,
      "period": "2024-25",
      "mostComplainedProduct": "Comprehensive motor vehicle insurance, about a third of all cases",
      "addOnShare": 23,
      "source": "AFCA",
      "url": "https://www.afca.org.au/annual-review-general-insurance-complaints",
      "verifiedAt": "2026-09-08",
      "caveat": "These are raw complaint volumes, not rates. A larger insurer will receive more complaints simply because it has more customers, so these numbers show scale, not service quality, and must not be read as a ranking. AFCA publishes complaints alongside resolution times and outcomes in its Datacube — use that for a fair comparison of any two specific firms. Figures are per underwriting group, so they cover every retail brand that group writes."
    },
    "trademarkNotice": "Insurer names, logos and brand marks shown on this site are the trademarks of their respective owners. They are reproduced at icon size solely to identify the company being described, which is a nominative use. Crown Money Management is not affiliated with, endorsed by, sponsored by, or acting as an agent for any insurer named here, and receives no payment, commission or referral fee from any of them. Outbound links are provided as a convenience only. If you own one of these marks and would prefer it were not shown, email admin@crown.money and we will remove it promptly."
  },
  "sources": {
    "$comment": "Registry of every external data source this tool relies on. Each entry carries its publication cadence and the date it was last verified. The refresh-data scheduled function updates verifiedAt and raises a GitHub issue when a source changes materially.",
    "updatedAt": "2026-09-08",
    "sources": [
      {
        "id": "apra-gi-performance",
        "name": "APRA Quarterly General Insurance Performance Statistics",
        "publisher": "Australian Prudential Regulation Authority",
        "url": "https://www.apra.gov.au/quarterly-general-insurance-statistics",
        "provides": [
          "gross written premium",
          "claims ratios",
          "insurer-level financial performance"
        ],
        "cadence": "quarterly",
        "format": "xlsx",
        "verifiedAt": "2026-09-08",
        "licence": "CC BY 3.0 AU"
      },
      {
        "id": "afca-datacube",
        "name": "AFCA Datacube — General Insurance",
        "publisher": "Australian Financial Complaints Authority",
        "url": "https://data.afca.org.au/general-insurance/",
        "provides": [
          "complaints received per insurer",
          "resolution rates",
          "time to resolve"
        ],
        "cadence": "half-yearly",
        "format": "web/dataset",
        "verifiedAt": "2026-09-08",
        "note": "The single best public signal for how an insurer behaves at claim time."
      },
      {
        "id": "accc-insurance-monitoring",
        "name": "ACCC Insurance Monitoring Report",
        "publisher": "Australian Competition and Consumer Commission",
        "url": "https://www.accc.gov.au/about-us/publications/serial-publications/insurance-monitoring-reports",
        "provides": [
          "average home and contents premiums by region",
          "premium trend analysis"
        ],
        "cadence": "annual",
        "format": "pdf",
        "verifiedAt": "2026-09-08",
        "note": "Strongest published source for real average premiums. Northern Australia is covered in most depth."
      },
      {
        "id": "sira-green-slip",
        "name": "SIRA Green Slip Price Check",
        "publisher": "State Insurance Regulatory Authority (NSW)",
        "url": "https://www.sira.nsw.gov.au/motor/compulsory-third-party-motor-vehicle-insurance-green-slips/compare-ctp-green-slip-prices",
        "provides": [
          "official CTP prices from all six licensed NSW insurers"
        ],
        "cadence": "live",
        "format": "web tool",
        "verifiedAt": "2026-09-08",
        "note": "No public API. We deep-link to the official regulator tool rather than reproducing prices."
      },
      {
        "id": "abs-cpi-insurance",
        "name": "ABS Consumer Price Index — Insurance",
        "publisher": "Australian Bureau of Statistics",
        "url": "https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/consumer-price-index-australia",
        "provides": [
          "insurance price inflation index"
        ],
        "cadence": "quarterly",
        "format": "xlsx",
        "verifiedAt": "2026-09-08",
        "note": "Used to judge whether a renewal increase is in line with the market or well above it."
      },
      {
        "id": "asic-connect",
        "name": "ASIC Professional Registers",
        "publisher": "Australian Securities and Investments Commission",
        "url": "https://connectonline.asic.gov.au/RegistrySearch/",
        "provides": [
          "AFS licence status",
          "licensee legal names"
        ],
        "cadence": "live",
        "format": "web",
        "verifiedAt": "2026-09-08",
        "note": "Used to verify the underwriter behind each retail brand."
      },
      {
        "id": "insurer-pds",
        "name": "Insurer Product Disclosure Statements and Premium, Excess & Discount Guides",
        "publisher": "Individual insurers",
        "url": null,
        "provides": [
          "cover inclusions and exclusions",
          "sub-limits",
          "excess structures",
          "available discounts"
        ],
        "cadence": "on change",
        "format": "pdf",
        "verifiedAt": "2026-09-08",
        "note": "Crawled and content-hashed. A changed document raises a review issue rather than publishing silently."
      }
    ]
  }
}