SEE WHAT’S NEW IN POLICYCOMPARISON

SEPTEMBER 2026 – PCI PolicyComparison Report 

NEW INSURER / POLICY WORDINGS/SECTIONS

• Six (6) – Cyber Risks – Agile
• Four (4) Rural – Blue Zebra, Allianz

POLICY COMPARISON TEAM HAVE FOUND THE FOLLOWING RECENT CHANGES:

• Caravan/Trailer
  • Comparison Unaltered – Australian Unity

• Commercial Motor
  • Alterations to Agreed Value, Market Value and Sum Insured Definitions – Allianz
  • Comparison Unaltered – Allianz

• Commercial Packs
  • Alterations to: Theft; Money & Employee Fraud Section and Inclusion of Tax Audit Section – Blue Zebra
  • Alterations to Agreed Value, Market Value and Sum Insured Definitions – Allianz
  • Alterations to Reference Number and Effective Date – Allianz
  • Change of Section Name – Blue Zebra
  • Change to Underwriting Agency Name – Miramar
  • Summary Unaltered – Allianz, Coast, TIO
  • Comparison unaltered – Allianz, Avant, Blue Zebra, Coast,  TIO

• Contract Works
  • Alteration to Insuring Clause – QBE
  • Alterations to Various Exclusions – QBE
  • Comparison unaltered– 360 Construction and Engineering

• Corporate Travel
  • Change in Title for Section 2 – AIG
  • Change to General Exclusion and Exclusions for Section 3 Loss of Deposits and Additional Expenses in relation to countries recognized as Do Not Travel zones by the Australian Government – AIG
  • Change to name of Emergency and Medical Assistance service – AIG
  • Comparison Unaltered – AIG

• Home Insurance
  • Alteration to Buildings and Contents Definitions – Ozicare
  • Alteration to Emergency Accommodation Benefit to address Family Violence – Huddle
  • Alterations to Policy to Address Family Violence – Everyday, Huddle
  • Alteration to Escape of Liquid Cover – Shannons
  • Alteration to Glass Cover – Contents and Power Surge included in Insured Event Fire and Benefit Electric Motor Burnout – Youi
  • Alteration to Matching Materials of Carpets and Vinyl – Youi
  • Alteration to Storage of Undamaged Contents Benefit and Building and Contents Definitions now exclude Garden Beds or Horticultural Materials – Youi
  • Alteration to Your Home Insurance Cover and Your Contents Insurance Cover – ING
  • Alterations to Policy to Address Family Violence – Everyday
  • Change of Underwriter; Alteration to various Limits of Cover at Risk Address; Alteration to Definitions – Clover
  • Change to Insuring Clause but Comparison unaltered – AAMI, APIA, GIO, Shannons
  • Emergency Accommodation Expenses Benefit amended to address Family Violence – Huddle
  • Inclusion of new Level of Cover – ANZ
  • Inclusion of Your Conduct and Behaviour – Real
  • Removal of Optional Domestic Workers Compensation Benefit – NAB
  • Change of Cover Artwork – Move
  • Comparison unaltered – AAMI, APIA, GIO, Move Bank, Suncorp, Virgin Money
  • Completely rewritten wording – Clover

• Landlords
  • Change to Escape of Liquid cover – APIA, GIO, Suncorp
  • Changes to Legal Liability cover – APIA, GIO
  • Change of Cover Artwork – Move
  • Change to Insuring Clause but Comparison unaltered – Hutch
  • Change of Underwriter and Completely rewritten wording – Clover
  • Comparison unaltered – AAMI, ING, Ozicare, Qantas

• Leisure Travel
  • Change in Limits for: Cancellation and Amendment Cover; Travel and Baggage Delay– Qantas
  • Change to Pregnancy and Cosmetic Treatment Exclusions – Flight Centre
  • Change in Underwriter – Flight Centre
  • Rewritten Cancellation Cover; Changes to: Medical Expenses Cover; Limit for Travel Delay Out of Pocket Expenses; Change of Mind Add On – Flight Centre
  • Changes to: Cancellation and Additional Expenses; Increased Limits for Accidental Death and Travel Delay Expenses – HCF
  • Changes to Travel Delay and Baggage Delay Limits – Qantas
  • New Conduct of Others Clause – Budget Direct, HCF
  • Change to: Sanctions Condition; Pre-Existing Medical Condition Definition – Budget Direct
  • New benefit for In Patient Hospital Costs – HCF
  • New Exclusion for Travel to certain areas – Budget Direct – Budget Direct
  • New cover for Hospital Cash Allowance – HCF
  • Comparison unaltered – AANT, Budget Direct, HCF, Qantas, RAA, RACQ, RACV

• Liability
  • Alteration to Territorial Limits Exclusion – Hutch
  • Change of Underwriting Agency Name – Miramar
  • Comparison unaltered – Allianz, Avant

• Management Liability
  • Comparison unaltered – Allianz, Avant

• Pet
  • Amended Automatic Renewal – BUPA
  • Completely rewritten wording – HCF

• Private Motor
  • Inclusion of Optional Roadside Assist cover – Ozicare, Virgin Money
  • Inclusion of Your Conduct and Behaviour and Alterations to Keys & Locks benefit – Real
  • New level of cover included – ANZ
  • Change of Cover Artwork – Move
  • Completely rewritten wording – RACT

• Professional Indemnity
  • Comparison unaltered – Allianz

• Rural Packs – Home & Contents
  • Alterations to: Committee Member of a Social or Sporting Club; Continuing Liability Cover Following a Total Loss; Legal Liability – Allianz
  • Alterations to: Cyber Exclusion; Infectious Disease Exclusion; Condition for Security Systems – Farmstyle
  • Alterations to: Limit for Unregistered Motor Vehicles; Exclusion for Building Alterations, Additions, Demolition, Repairs – Farmstyle
  • Alteration to Listed Event Power Surge and Theft, Burglary or Housebreaking – Farmstyle
  • Alterations to Various Related Benefits – Farmstyle
  • Completely rewritten wording – Allianz
  • Comparison unaltered – Farmstyle

• Rural Packs
  • Summary Unaltered – Farmstyle
  • Completely rewritten wording – Allianz

Comments

• Domestic and Landlords Workers Compensation Cover is still being removed from the Home and Landlords Policy Wordings
• Six (6) Policy/Sections had change of Underwriters: Of those One (1) had no other changes, Two (2) had been completely rewritten and Three (3) had additional changes to the policy wording pdf.
• Three (3) Policy/Sections had a change to the Underwriting Agency Name. There were no other changes that affected the comparison
• Eighteen (20) Policy/Sections had been completely rewritten
• Two Hundred and Seventy-Nine (274) Policy/Sections were unaltered
• Summary of Changes vary per policy wording. Some Policy Wordings have been completely rewritten, whilst others have changed various exclusions, conditions, and benefits. Some wordings/sections were unaltered which means the policy wording has been updated but no change to the comparisons.

TEMPLATE CHANGES

Commercial Pack – Electronic Equipment

• Ongoing – moving up the Additional Information cells into the current template.

Domestic – Leisure Travel

• Various changes to Cover template