Insurance for Home, Car, Boat and Travel

Personal Insurance Port Melbourne, Mildura, Swan Hill, Deniliquin, Horsham, Seymour, Euroa and the region of Sunraysia.

Insurance made easy with Ausure Rutherford Street Insurance Services

Ausure Rutherford Insurance Services can provide a quality solution for your Personal Insurance needs.

Having the right insurance in place is an essential part of protecting your most prized possessions. Ausure Rutherford Street Insurance Services can work with you to provide a tailored insurance solution for your Home Insurance, Car Insurance, Boat Insurance and Travel Insurance.

We work with Australia’s most reputable Personal Insurers; including Blue Zebra, CGU, QBE, Hollard, Allianz, 360 Underwriting, CHUBB and Clover – to get you the right cover at a price that fits with your budget. Chat to our team of insurance broking specialists to protect what’s important to you.

Request a Quote for your Personal Insurance Needs:

Request a Quote from Ausure Insurance Services for your Personal Insurance

Let's get you some quotes - tell us a little about you.

First Name

Last Name

Phone Number

Email Address

Street Adddres

City

Postcode

State

Country

Tell us a little more about your personal insurance needs.

We're going to ask you some questions about your requirements so that we can get the quote process started. The more details you give us, the quicker we are able to go to market to provide you with comparable quotes. If you are unsure what you need or prefer to talk with someone, please skip through the pages and submit the quote request.

If you are unsure to any of the answers - please leave them blank.

Save time and upload your current business insurance policy schedule.

What type of service are you looking for?

Insurance Selection

Please tick any insurances that you are interested in, and complete the relevant questions.

Personal Accident & Sickness

Yes

Personal Accident and Sickness Details

Cover Type

Policy start date

Date of Birth

Occupation

Additional Business Activities

Payment Period

State

Excess Period

Benefit Period

Weekly Sum Insured

Capital Benefit

Home and or Contents Insurance

Yes

House Insurance Details

About the Policyholder

DOB of oldest policyholder

Is the insured retired?

How is the home occupied?

Is there any business conducted on the property

Please provide details on the type of
Business Activities

House Address

Is the house address different to your contact details?

Street Address

City

Postcode

State

Country

Cover Required

Policy start date

Cover Type

How much would it cost to replace the building?

How much would it cost to replace the contents of your home?

Do you want any Pontoons, Jetties, Wharves or similar insured covered under this policy?

Please list details and sum insured for each item you would like covered as part of your policy.

Preferred excess

Are there any interested parties?

About Your Build

When was the house built?

Please provide in this date format: YYYY (e.g. 1980)

What is the building type?

What level is the property located on?

Walls

Roof

What is the main floor type in the property?

Is the property free of asbestos?

What year was the building last rewired?

What year was the building last replumbed?

Has the residence been Re-roofed?

Construction Quality

How many levels does the property have?

Is there any portion of the Building or Contents located below ground level? e.g. basement, garage, storage room?

Does the home have a swimming pool?

How would you describe the slope of land the property is built on?

Number of Bathrooms

Number of Bedrooms

Security and Safety Details

What type of smoke alarms does your home have?

What best describes security on the property's externally accessible doors?

What best describes security on the property's windows?

What type of Burglar Alarm is installed in the property?

Has the residence previously been affected by flood?

Are there any private flood mitigation measures at your property?

Please provide details

Has the residence previously been affected by bushfire?

House Specific Questions

Does the property meet any conditions that may preclude it from standard insurance products?

	Yes	No
Under construction, reconstruction or renovation?
In poor condition or poorly maintained?
Currently unoccupied or expected to be unoccupied for more than 90 continuous days during the period of cover?
Under any heritage listing/National Trust listing or order?
Used as a hostel, bed and breakfast or guesthouse?
Used for community housing or public housing?
On land greater than 20,000 Square Meters?

Landlords Insurance

Yes

Landlord Insurance Details

About the Policyholder

DOB of oldest policyholder

Is the insured retired?

How is the home occupied?

Please provide details:

Is there any business conducted on the property

Please provide details of Business Activities:

House Address

Street Address

City

Postcode

State

Country

Cover Required

Cover Type

How much would it cost to replace the building?

How much would it cost to replace the contents of your home?

Policy start date

Is the property managed by a licensed property manager?

Name of the Property Manager

Is the property part of a Strata Title?

Would you like the cover for “Theft by tenant”?

Would you like the cover for “Loss of rent”?

What is the weekly rental amount?

Would you like the cover for “Rent default”?

Are there any lifts, escalators or hoists for which you are liable?

Do you want any Pontoons, Jetties, Wharves or similar insured covered under this policy?

Please list details and sum insured for each item you would like covered as part of your policy.

Preferred excess

Are there any interested parties? If so, please provide details.

About Your Build

What year was the house built?

Please use this format: YYYY (e.g. 1980)

What is the building type?

What level is the property located on?

Walls

Roof

What is the main floor type in the property?

Is the property free of asbestos?

What year was the building last rewired?

What year was the building last replumbed?

Has the residence been Re-roofed?

Construction Quality

Number of Bathrooms

Number of Bedrooms

How many levels does the property have?

Is there any portion of the Building or Contents located below ground level? e.g. basement, garage, storage room?

Does the home have a swimming pool?

How would you describe the slope of land the property is built on?

Security and Safety Details

What type of smoke alarms does your home have?

What best describes security on the property's externally accessible doors?

What best describes security on the property's windows?

What type of Burglar Alarm is installed in the property?

Has the residence previously been affected by bushfire?

Please provide details:

Are there any private flood mitigation measures at your property?

Landlord Specific Questions

Does the insured party meet any conditions that may preclude it from standard insurance products?

	Yes	No
They have been declined insurance in the last 3 years
They have had a criminal conviction in the last 10 years (with the exception of traffic offences)
They have ever filed for bankruptcy

Does the property meet any conditions that may preclude it from standard insurance products?

	Yes	No
Under construction, reconstruction or renovation?
In poor condition or poorly maintained?
Currently unoccupied or expected to be unoccupied for more than 90 continuous days during the period of cover?
Does not have an active lease agreement?
The property is subject to a subletting arrangement?
A bond has not been collected?
Under any heritage listing/National Trust listing or order?
Used as a hostel, bed and breakfast or guesthouse?
Used for student accommodation or as a boarding house?
Used for community housing or public housing?
The property is a park home or in a caravan park?
On land greater than 20,000 Square Meters?
Is rented furnished?
Building consist of insulated panels and/or insulated cladding?
Any tenant has lost their job or had their hours reduced by 20% or more?
The tenant is 14 or more days behind in rent?
The address has previously had tenant default claims?
Aluminium composite panels are used as cladding on the building?
Coverage is needed for items of electrical; entertainment equipment valued over $2500?

Car Insurance

Yes

Car Insurance Details

Cover Type

When would you like your cover to start?

Will the policy be in a personal or business name?

What is your preferred excess?

Are there any interested parties?

Market or Agreed Value?

Sum Insured - Vehicle

The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.

Would you like to pay an additional fee on your premium to have a $0 excess on the first glass claim per policy period?

Would you like to pay additional on your policy to have a hire car regardless of who’s at fault following a claim?

Driver Details

Are you the main driver of this vehicle?

First Name of Driver

Last name of Driver

First name of Driver

Last name of Driver

Gender of the Driver

What is the date of birth of the insured driver of the vehicle?

Is this person the registered owner?

Year Licenced

How many traffic fines/ infringements, including on the spot, has the driver receieved in the last 5 years?

How many years has it been since the drivers first traffic fine/ infringement?

How many years has the driver held comprehensive insurance?

How many lost demerit points has the driver incurred in the last 3 years?

What is the employment status of the driver?

How many years has the registered owner owned the vehicle?

Does the policyholder currently hold insurance?

How long has the policyholder held insurance?

Have you, or any person who will regularly drive the insured vehicle(s), had any motor vehicle claims, DUI's, or loss of license in the last five (5) years? *

Full Details

About the Vehicle

Is the vehicle used solely for private use?

Is the vehicle unregistered, have any existing damage or used for professional means?

Please provide full details

Does the vehicle have any hail damage?

Does the vehicle contain any specialised paint, nitro / hydrogen fuel, turbo / supercharger, roll bar / roll cage / racing harness?

Has the vehicle been modified or have any non-standard accessories?

Please provide details and $ values

Registration No.

Year

Make

Model

Is the vehicle financed?

Security Features

AlarmEngine Immobiliser

Is there any aftermarket security installed on the car?

Full Details

Is the vehicle garaged at night?

Is the Overnight address for this vehicle different to the address you have provided on this form?

Overnight Address

Is the vehicle parked in the same address during the day?

Where is the vehicle usually parked during the day?

On average, how far will the car be driven per year (in kms)?

Declaration and Duty of Disclosure

When you apply for an insurance policy, or renew or extend your existing policy, you have to tell the insurer everything about you and your situation that is relevant or could reasonably be expected to be relevant to the insurer’s decision to insure you. You don’t need to disclose something you don’t know, that reduces the insurer’s risk, that is common knowledge, that the insurer knows or ought to know, or something that’s not relevant or the insurer has told you that you don’t need to disclose. With insurance, honesty is the best policy.

If you do not tell us something that is applicable to your insurance, the insurer may cancel your policy or reduce the amount that they will pay you if you make a claim, or both. If your failure to tell us is fraudulent, the insurer may refuse to pay a claim and make the policy contract void.

I agree

Disclosure Questions
If you answer 'Yes' to any of the questions, please enter full details below.

	Yes	No
Has the insured or any insured party ever had a claim declined or refused due to fraud, suspected fraud or suspicious circumstances?
In the last 5 years ever been placed in receivership or liquidation or declared bankrupt or are you in the process of being declared bankrupt?
Within the last 5 years, has the insured or any insured party been charged or convicted of a criminal offence?
Is any of the property in disrepair or in poor condition or are there any other facts that could affect the insurers assessment of the risk?

Full Details

In the last 5 years, have you had any claims or claimable incidences for the coverage you are applying for?

Claim Details

Year of Claim

$ Amount Claimed

Please provide details of claim

Additional Comments or Information to help us assist you:

How did you hear about us?

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Contact Information

Important things to know when comparing insurance for your home, boat, car, travel and more.

Accurate Information: When applying for insurance, it’s crucial to provide accurate and complete information about your circumstances. Failing to disclose relevant details could lead to denied claims or reduced payouts.
Regular Updates: Keep your insurance provider informed about any changes in your situation. For instance, if you renovate your home, acquire new possessions, or modify your vehicle, update your policy accordingly to ensure proper coverage.
Travel Insurance Limitations: Travel insurance may have specific exclusions for pre-existing medical conditions or activities such as extreme sports. Review these details to avoid claim denials.
Policy Renewals: Review your policies annually before renewal to ensure they still meet your needs and circumstances.

Policy Exclusions: Be aware of the exclusions listed in your insurance policy. These are situations or events that are not covered by the policy. Understanding these exclusions helps you avoid surprises when making a claim.
Read the Fine Print: Carefully read and understand your insurance policy’s terms and conditions. Each policy has specific coverage limits, deductibles, and requirements for making claims.
Valuables and High-Value Items: If you own valuable items like jewelry, artwork, or electronics, they might not be fully covered under standard policies. Consider adding extra coverage or specifying these items to ensure they’re adequately protected.
Documenting Valuables: Keep records of your valuable possessions, including receipts, appraisals, and photographs. This documentation can help expedite the claim process.

Regular Maintenance: Regularly maintaining your home, boat, car, or motorcycle can prevent issues that may lead to claims. Neglecting maintenance might affect your coverage eligibility.
Claim Reporting Timelines: Inform your insurer about a potential claim as soon as possible. Delayed reporting can sometimes lead to complications in processing the claim.
Underinsured and Overinsured Property: Regularly assess your insurance coverage to ensure your property is neither underinsured (not fully covered) nor overinsured (paying for more coverage than needed).
Impact of Claims History: Frequent claims might lead to increased premiums. Consider whether it’s worth claiming for minor damages or if it might be more cost-effective to cover them yourself.

What types of Personal Insurance cover are available?

Home and Contents Insurance

This insurance provides coverage for your home and its contents against risks such as fire, theft, storm damage, and more. It helps you repair or replace your home and belongings if they're damaged or lost due to covered events.

Travel Insurance

Travel insurance covers unexpected events while you're traveling, such as trip cancellations, medical emergencies, lost luggage, and more. It ensures you're financially protected during your journeys.

Car Insurance

Car insurance offers protection for your vehicle against accidents, theft, and damage. It typically includes options such as third-party liability, comprehensive coverage, and more tailored policies based on your needs.

Motorcycle Insurance

Similar to car insurance, this coverage protects motorcycles against accidents, theft, and damage.

Boat Insurance

Boat insurance provides coverage for watercraft against damage, theft, and liability while on the water. It's designed to safeguard boats, yachts, and other marine vessels.

Jewelry and Valuables Insurance

This insurance covers high-value items like jewelry, artwork, and collectibles against loss, theft, or damage.

Personal Accident Insurance

This coverage provides financial assistance in case you suffer an injury or accident that leads to temporary or permanent disability. It offers compensation for medical expenses, loss of income, and related costs.

Landlord Insurance

If you're a property owner renting out your property, landlord insurance offers protection against risks like damage caused by tenants, rent defaults, and legal expenses.

Landlord Insurance

PassportCard is Australia’s only travel insurance with instant payouts for common claims*. This allows you to pay expenses for approved claims so you can get back to enjoying your holidays without being out of pocket. Most claims can be managed in minutes.

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Our Insurer Partners

Let us do all the hard work for you! We compare policies from multiple insurers to ensure you have the right policy, the right price and most importantly – the right coverage.

Let us help you with Personal Insurance Ausure Rutherford Insurance Services Insurance today.

Prefer to meet in person? Find your local broker here.

Not sure what you need or prefer to get a full risk review? No problem, submit your enquiry here and we will get back to you.

Ausure Rutherford Street Insurance Services are part of Australasia’s largest general insurance broker network, the Steadfast Group. We leverage Steadfast’s scale to ensure our clients have access to a wide range of insurance companies, a broad range of products, exclusive policy options, and of course, competitive pricing. And when the time comes and you need to make a claim, you will have the backing of Steadfast behind you.

Insurance for Home, Car, Boat and Travel

Personal Insurance Port Melbourne, Mildura, Swan Hill, Deniliquin, Horsham, Seymour, Euroa and the region of Sunraysia.

Ausure Rutherford Insurance Services can provide a quality solution for your Personal Insurance needs.

Request a Quote for your Personal Insurance Needs:

Request a Quote from Ausure Insurance Services for your Personal Insurance

Let's get you some quotes - tell us a little about you.

Tell us a little more about your personal insurance needs.

Declaration and Duty of Disclosure

Important things to know when comparing insurance for your home, boat, car, travel and more.

What types of Personal Insurance cover are available?

Home and Contents Insurance

Travel Insurance

Car Insurance

Motorcycle Insurance

Boat Insurance

Jewelry and Valuables Insurance

Personal Accident Insurance

Landlord Insurance

Landlord Insurance

Our Insurer Partners

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