data sources
every number here has a receipt.
A comparison tool is only worth the freshness of what sits behind it. So rather than ask you to trust us, here is every source we use, how often it publishes, when we last checked it, and what happens when it changes.
how we keep it current
A scheduled job runs every day at 9:00am Brisbane time. It fetches each source below, strips the noise that changes on every request, and content-hashes what is left. Three things can happen:
- Nothing changed. The source is confirmed still current and the run ends. This is most days — these are quarterly and annual publications, so daily checking is about catching a change the morning it lands, not about expecting one.
- The content changed. The job raises a review ticket naming the source and what moved. A person reads the new figures, updates the dataset and the verified date, and merges — which rebuilds and republishes the site automatically.
- A source has gone quiet past its own cadence. Each source has a staleness limit derived from how often it publishes. A quarterly series that has not been re-verified in 120 days raises a ticket even if nothing appears to have changed.
Changed figures are never auto-published. A regulator restating a series, or an insurer quietly rewriting a product document, gets read by a person before it reaches a page people make money decisions from. The automation guarantees nothing goes stale unnoticed. It does not guess.
the sources
| Source | What it gives us | Publishes | Verified |
|---|---|---|---|
| APRA Quarterly General Insurance Performance StatisticsAustralian Prudential Regulation Authority | gross written premium; claims ratios; insurer-level financial performance | Every quarter | |
| AFCA Datacube — General InsuranceAustralian Financial Complaints Authority | complaints received per insurer; resolution rates; time to resolve | Twice a year | |
| ACCC Insurance Monitoring ReportAustralian Competition and Consumer Commission | average home and contents premiums by region; premium trend analysis | Once a year | |
| SIRA Green Slip Price CheckState Insurance Regulatory Authority (NSW) | official CTP prices from all six licensed NSW insurers | Continuously | |
| ABS Consumer Price Index — InsuranceAustralian Bureau of Statistics | insurance price inflation index | Every quarter | |
| ASIC Professional RegistersAustralian Securities and Investments Commission | AFS licence status; licensee legal names | Continuously | |
| Insurer Product Disclosure Statements and Premium, Excess & Discount GuidesIndividual insurers | cover inclusions and exclusions; sub-limits; excess structures; available discounts | Whenever the document changes |
what we can’t give you
Being straight about the limits, because they matter more than the capabilities:
- We cannot show you live quotes. Real-time pricing comes from carrier feeds that insurers give to distributors who sell for them. Crown Money doesn’t sell insurance, so we don’t have them — and wouldn’t want the commercial strings attached. What we benchmark against is published market data.
- Published averages disagree with each other. Comprehensive car premiums are put at about $1,560by one source and up to $2,900by another. Both are honest; they sample differently. Where sources disagree we show the range rather than pick a winner.
- Some state-level benchmarks are still pending. They are marked as such in the dataset rather than filled with an estimate. A gap we tell you about is more useful than a number we made up.
use the data
The whole dataset is public as JSON at/api/data.json, and there is anllms.txt for AI assistants. Free to use with attribution.
Page generated 2026-09-08 · dataset updated 2026-09-08