Find an insurance broker in Australia with confidence. At insurance-finder.com.au, our insurance broker matching service is designed to connect you with a participating insurance broker who can discuss your situation and options available through them. Start with our quick online quote enquiry to Get Matched with a Trusted Insurance Broker Today.
What is a broker
An insurance broker acts as an intermediary between you and insurers. Unlike agents who represent one insurer, independent insurance brokers work for you, helping compare cover options, explain terms, and arrange policies. A licensed insurance broker Australia wide can also assist with renewals and support you through the claims process.
Why use a broker
Brokers bring specialist knowledge of policy wording, exclusions, and market trends, which can help you make informed decisions. They can access options from multiple insurers so you can compare policy options efficiently. Whether it’s home, car, landlord, travel, or small business needs like public liability, professional indemnity or cyber, professional insurance broker services may save you time and provide tailored options. Our platform connects you with a participating broker who can discuss available options, so you can review their recommendations at your own pace.
How we approve brokers
We refer enquiries to licensed insurance brokers who demonstrate appropriate authorisation under an Australian Financial Services Licence or as Authorised Representatives. We have a process for validating the legitimacy of our referral partners. You should also independently verify the credentials and licensing of any broker you engage.
How we assign your broker
When you submit an enquiry, you select the type of insurance you are seeking and provide relevant information. We refer your enquiry to a participating insurance broker. Allocation may take account of your selected insurance category, geographic service area, broker availability and capacity, timing, and account and bidding settings, as explained below under How we are remunerated. You can compare a referred broker’s services, experience and fees with those of other brokers before deciding whether to proceed.
What you can expect from your broker
Your broker should be transparent about services, scope, and how they are paid. In Australia, brokers may receive commissions from insurers and may charge a fee; you will be told about any fees and charges before you proceed. Expect clear explanations of options, regular updates while quotes are obtained, and support if you need to amend cover or make a claim. Good communication, professionalism, and documentation in plain English are hallmarks of licensed insurance brokers who act with your interests in mind.
To get started, use our online quote enquiry, try our calculators for illustrative estimates, and read our educational articles and guides for plain-language explanations. You can also follow our updates for industry news, webinars, and podcasts to stay informed before you choose.
insurance-finder.com.au is a trusted connection platform that helps Australians connect with participating insurance brokers. Begin your enquiry today to be introduced to a participating broker, or explore our resources to learn what to consider when comparing insurance brokers. Brokers interested in new client opportunities can enquire about joining our network and view our Leads Tour to see how referrals are delivered. Information provided here is general in nature and does not consider your objectives, financial situation or needs.
Q: How do I choose the right insurance broker in Australia? A: Look for licensed insurance brokers with experience in your type of cover, clear fee disclosure, responsive communication, and positive insurance broker reviews. You can compare brokers’ services, experience and fees before deciding.
Q: What is the difference between insurance agents and brokers? A: Agents usually act for one insurer, while independent insurance brokers act for you, comparing multiple insurers and explaining differences so you can decide with confidence.
Q: How do insurance brokers get paid in Australia? A: Brokers may receive insurer commissions and may charge a fee. Any fees and remuneration will be disclosed before you proceed, allowing an informed insurance broker comparison.
Q: Do I need a local insurance broker or can I work online? A: Many clients value local insurance brokers for in-person support, while others prefer online meetings. Our matching process considers geographic service areas; ask the referred broker about meeting options.
Q: What types of insurance can a broker help with? A: Brokers can assist with home, contents, car, travel, landlord and SME covers such as public liability, professional indemnity, cyber and commercial property, depending on their expertise.
Q: Will using a broker increase my premium? A: Not necessarily. A broker’s market access and negotiation may help identify competitive options, but premiums vary by risk and insurer. Your broker will explain the trade-offs before you decide.
How we are remunerated
We do not charge consumers a fee for submitting an enquiry through our service. Instead, participating brokers pay us for enquiries referred to them, with this cost forming part of the broker's marketing and advertising expenses. The amount payable is determined through our broker bidding system, which allows our approved broker panel to set the market price they are prepared to pay for different types of enquiries and locations. Brokers can also set budgets and adjust their bids according to factors such as the day of the week, time of day and the number of enquiries they have recently received.
Our bidding system is designed to do more than simply identify the highest bidder. Dynamic bids and budget controls help brokers manage the number and timing of enquiries they receive according to their capacity, while our allocation process takes these settings and other relevant matching criteria into account when determining which eligible broker receives an enquiry. This helps us operate an efficient referral marketplace in which lead prices are set by participating brokers, while directing enquiries to an appropriately licensed and vetted broker from our panel who is available, has capacity and is better positioned to respond in a timely manner. The amount a broker is prepared to pay for an enquiry does not affect the insurance premiums, products or options they may subsequently discuss with you.
A new Macquarie Bank benchmarking study has put a practical frame around a shift many Australian insurance clients are starting to feel: the rapid premium growth that supported broker and intermediary revenue in recent years is losing momentum. The survey of 187 insurance intermediary businesses, reported by Insurance News on 2 November 2026, found the sector remains profitable, but revenue growth is no longer being carried as strongly by rising premiums. - read more
Cyber insurance has moved from a specialist add-on to a mainstream business risk issue. Recent industry commentary points to a more selective market: insurers are examining security controls, data handling and outsourced technology dependencies before offering terms. For many Australian small businesses, that means a renewal is no longer just a price conversation. It is a test of whether the business can show how it prevents, detects and recovers from an incident. - read more
APRA’s operational risk standard, CPS 230, has shifted from a regulatory project into a practical benchmark for banks, insurers and superannuation trustees. For insurance customers, the change is not just about compliance language. It goes to whether an insurer can keep essential services running when technology fails, a supplier breaks down, a cyber incident occurs or a major weather event drives a surge in claims. - read more
The latest monitoring of Australia’s cyclone reinsurance pool has again highlighted a key reality for households and small businesses in cyclone-exposed regions: government-backed premium relief can help, but it does not remove the need to check whether cover is suitable, affordable and realistically sized for the risk. - read more
Insurance brokers, agents and direct insurers can all help Australians arrange cover, but they do not play the same role. Understanding who they act for, how they are paid and what options they can access can help consumers and small business owners choose the right path for their insurance needs. - read more
Choosing the right insurance broker is a crucial decision for your business. A good broker serves as an invaluable partner, helping you navigate the complex world of insurance. - read more
In the hustle and bustle of everyday life, securing the future of your family might not always be on the top of your list. However, understanding and obtaining the right insurance is crucial for your family's security. Life can be unpredictable, and having the appropriate coverage can provide peace of mind and financial stability when unexpected events occur. - read more
When it comes to protecting your family's financial future, understanding the basics of life, trauma, and income protection insurance is crucial. These insurance types provide a safety net during challenging times and offer peace of mind for families. - read more
Knowledgebase
Loss of Use: Insurance coverage that pays for the additional living expenses if your home is uninhabitable due to a covered loss.
