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The 5 Best General Insurance Companies in Adelaide's Homepage

The 5 Best General Insurance Companies in Adelaide

How We Picked

Company history. When picking an insurance company, it’s always best to stick to the ones that have proven themselves over the years. This raises the chance that they’ll still be around when you actually need the insurance later on! 
Insurance offered. We consider the variety, rates, and inclusions of the insurance that they offer.
Communication. A big part of availing insurance is handling paperwork and talking to many representatives. That’s why it’s best for the company to be responsive and professional.
Fairness of fees. The fees for insurance brokering, along with the insurance premiums, must be reasonable.

1. COTA Insurance

COTA Insurance's Homepage

Products: Insurance for travel, home and contents, car, caravan, and trailer, landlord, and boat

Website: https://www.cota.com.au/

Contact Details: 1300 130 050

Operating Hours:

  • Monday-Friday: 8:30 AM-5 PM
  • Saturday-Sunday: Closed
Facebook reviews score4.3/5
Google reviews score3.9/5
Total reviews5/5
Score consistency 4.1/5
Company history5/5
Years of experience5/5
Track record5/5
Insurance offered5/5
Variety5/5
Inclusions5/5
Communication3/5
Fairness of fees5/5

Pros

  • Comprehensive insurance inclusions
  • Has been around since the 1980s
  • Especially great for older citizens
  • Premiums are just right

Cons

  • Slow communication for claims
  • Unresponsive on website

COTA Insurance is a great choice because of their comprehensive offerings. They’ve got every important insurance, from travel to medical, covered.

One thing we also like is how they make the claims process easy. On their website, there’s a straightforward guide for downloading forms and submitting them. 

The insurance company has been around since the 1980s and has solidified its position by making insurance plans tailored for older citizens. That’s why their contract plans are simply written and free of fluff. 

As a not-for-profit company, their premium rates aren’t too high. In addition, they fund various projects for the well-being of older citizens. 

They have one of the most feature-filled travel insurance we’ve seen. It includes rental vehicle insurance, luggage cover, and travel delay.

That said, we just found their communications a bit slow. This can be inconvenient especially if you want to file an insurance claim while traveling 

Aside from this, we found them unresponsive when contacted through their website. It’s best to call them instead to receive a fast response. 

2. SUREWiSE | Insurance Brokers Adelaide

SUREWiSE Insurance Brokers Adelaide's Homepage

Products: Business and personal insurance

Website: https://www.surewise.com.au/

Address: Level 1/50 Hindmarsh Square, Adelaide SA 5000

Contact Details: (08) 8413 6300

Operating Hours:

  • Monday-Friday: 9 AM-5 PM
  • Saturday-Sunday: Closed
Facebook reviews score5/5
Google reviews score5/5
Total reviews4.8/5
Score consistency 5/5
Company history5/5
Years of experience5/5
Track record5/5
Insurance offered5/5
Variety5/5
Inclusions5/5
Communication5/5
Fairness of fees3.5/5

Pros

  • Part of Steadfast Group
  • Has been operating since 1969
  • Has a large team
  • Straightforward process for payments and claims 

Cons

  • Rates are pricey
  • Representatives are a bit pushy

SUREWiSE’s strength lies in being part of the Steadfast Group, which is a large insurance broker network in Australia. 

Having access to this network gives them the resources for a large team and modern technology for claims, which translates to a more convenient process for you. 

They’ve been operating since 1969, and they’ve created a team of experienced local brokers. For every client, they dedicate an immediate representative so that communication with them is fast. 

Another strength of the company is that they have one of the most extensive lists of insurance plans. They’ve got almost any form covered, from personal to business-related ones. 

As we’ve mentioned earlier, their technology for insurance is an industry-standard. After all, paying and submitting claims is straightforward through their website. 

They also have a great location at Hindmarsh Square in Adelaide CBD. It’s why it will be easy for you to visit them for personal consultations. 

We just found their rates a bit unfriendly for those on a budget. Be sure to be thorough in understanding their fees so that you’ll be prepared.

Aside from this, a minor issue is that we found some of their representatives a bit pushy. Don’t forget to review their plans thoroughly first to prevent signing up for something you wouldn’t want in the long term. 

3. Capstone Insurance Brokers

Capstone Insurance Brokers's Homepage

Products: Business insurance, public liability insurance, professional indemnity insurance

Website: http://www.capstoneinsurance.com.au/

Address: Level 3/185 Victoria Square, Adelaide SA 5000

Contact Details: (08) 8113 0999

Operating Hours:

  • Monday-Friday: 9 AM-5 PM
  • Saturday-Sunday: Closed
Facebook reviews score5/5
Google reviews score5/5
Total reviews4.8/5
Score consistency 5/5
Company history5/5
Years of experience5/5
Track record5/5
Insurance offered4/5
Variety3/5
Inclusions5/5
Communication5/5
Fairness of fees5/5

Pros

  • Uses a personal approach
  • Highly experienced representatives
  • Responsive and professional
  • Flexible in meeting different industries’ business insurance needs

Cons

  • Not for personal insurance plans
  • Limited business plans offered

Capstone Insurance Brokers specializes in business insurance, including professional indemnity and public liability. They make the process of getting a plan straightforward and simple. 

We like their personal approach to providing insurance. They assign representatives to create customized plans depending on your business’s unique needs.

Their representatives’ skills and knowledge are guaranteed given how their team was made from the union of three networks. Many have worked with various industries which helps them understand the intricacies of each. 

We also have no complaints when it comes to responsiveness and professionalism. You’ll have no issues hearing back from them once you submit a claim.

They conduct hassle-free and welcoming initial consultation sessions. Their representatives make sure to do their research beforehand and be well-informed about your insurance plan options. 

Given their expertise, a natural downside with the company is that they’re not for those looking for personal insurance plans. 

Aside from this, the overall number of insurance plans they provide is limited. The good part is that most of what they offer is compatible with many businesses.

4. Be Covered Insurance Brokers Adelaide

Be Covered Insurance Brokers Adelaide's Homepage

Products: Insurance for contract works, liability, plant and equipment, legal expenses, office and workshop, tradies pack, management liability, building indemnity, professional indemnity design and construct, personal accident and illness, commercial vehicle

Website: https://becoveredinsurance.com.au/

Address: Level 1/50 Hindmarsh Square, Adelaide SA 5000

Contact Details: (08) 7092 2242

Operating Hours:

  • Monday-Friday: 9 AM-5 PM
  • Saturday-Sunday: Closed
Google reviews score5/5
Total reviews4.4/5
Score consistency 5/5
Company history5/5
Years of experience5/5
Track record5/5
Insurance offered4/5
Variety3/5
Inclusions5/5
Communication5/5
Fairness of fees5/5

Pros

  • Broad catalog for business insurance plans
  • Highly familiar with construction and building industry
  • Experienced representatives
  • Simplifies technical terms

Cons

  • More suited for businesses
  • Sometimes unavailable for multiple days

Be Covered Insurance Brokers offers a very broad catalog for business insurance plans. They’re especially recommendable for construction companies, as they’ve worked with many of these in Adelaide. 

This can be seen in how their plans cover building industries, subcontractors, and tradesmen. The contents of the insurance products they recommend are comprehensive and well-matched with many companies too. 

A strength of the company is in their representatives’ familiarity with the ins and outs of the industry, which is why they can tailor the insurance plan to suit your company. They have access to many insurers and policies, which translates to more options for you. 

We also appreciate how they simplify the technical terms of the insurance. They keep it straight to the point, which keeps consultation times fast. 

The team is led by Candice Klau who has more than 15 years in insurance brokering for the construction sector. She’s great with balancing the insurance necessities of your company along with your available budget. 

That said, an obvious downside with them is that they’re more suited for businesses, specifically those in the construction industry.

Aside from this, they handle many businesses in Adelaide, which is why they’re sometimes unavailable for a couple of days for initial consultations. Be sure to contact them early.

5. Fundamental Insurance Brokers Adelaide

Fundamental Insurance Brokers Adelaide's Homepage

Products: Insurance for business, public liability, product liability, franchise, tradesmen, retail, home, marine

Website: https://fundamentalinsurancebrokers.com.au/

Address: Suite 39/217 Flinders St, Adelaide SA 5000

Contact Details: (08) 7079 5752

Operating Hours:

  • Monday-Friday: 9 AM-5 PM
  • Saturday-Sunday: Closed
Google reviews score5/5
Total reviews4/5
Score consistency 5/5
Company history5/5
Years of experience5/5
Track record5/5
Insurance offered4/5
Variety3/5
Inclusions5/5
Communication5/5
Fairness of fees5/5

Pros

  • Has many branches located all over Australia
  • Great for business insurance (warehouses, construction, etc.)
  • Accommodating and professional representatives
  • Fast claims process

Cons

  • Website is hard to navigate
  • Doesn’t offer personal insurance plans

Fundamental Insurance Brokers is a great choice if your business has multiple branches across Australia, as they have representatives in Adelaide, Melbourne, Brisbane, Sydney, Perth, and Hobart.

The company’s approach is to provide personalized insurance for businesses. That means they take their time in tailoring the plans to meet your company’s specific demands. 

Their expertise is in insurance for warehouses, commercial properties, and construction. Their track record for claims processing for these is excellent.

We like how accommodating their representatives are when it comes to budget restrictions. They’re especially a great choice for newer companies because their plans are scalable depending on company size.

Their team is responsive and fast to process claims. Their office in Flinders Street is also accessible if you want to visit them personally. 

We’re disappointed with their website design, however. It’s hard to navigate, and the information it provides is limited. 

Aside from this, they don’t have insurance for personal use. This makes them limited in terms of offerings.

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