WHICH TYPE OF INSURANCE IS RIGHT FOR YOU?

FULLY
COMPREHENSIVE

Includes accidental, malicious damage, theft, fire and third party.

THIRD PARTY
FIRE & THEFT

Covers damage to people’s property and limited damage cover including fire and theft.

THIRD
PARTY

Covers you for damage that you cause to other people’s property and vehicles.

ROADSIDE
ASSISTANCE

For peace of mind to cover you and your vehicle for breakdown or assistance anywhere in Australia.

Residential Strata Insurance Simplified

Getting cover is as easy as 1-2-3, here’s how!

GET AQUAINTED

GET AQUAINTED

Provide us with some details about your vehicle and you and we will find the best policies for you.

COMPARE YOUR OPTIONS

COMPARE YOUR OPTIONS

We compare premiums, includions, exclusions and policies and consider extras such as glass breakage and hire options.

GET COVERED

GET COVERED

We will arrange immediate cover and get you and your car insured!

Have any questions? Call for a quick chat!

WHY CHOOSE AVOCA?

Our team will compare the range, benefits and prices from leading insurance to choose you the right cover that suits your needs and most importantly, your budget.

Save time!

Save time!

We do the comparisons and come up with the best solution.

No extra cost!

No extra cost!

We guarantee we will better or beat going direct to an insurer.

Claims assistance.

Claims assistance.

Our team are experienced to assist with the most complex claims.

Optional extras offered by some of our providers.

Hire car if you vehicle needs repair or is written off.

Your car is essential to your work or lifestyle and this option could be a must to keep you and your family mobile.

Choose your own repairer.

Have you got a preferred repairer that you know and trust? This option give you the ability to choose your own repairer rather than the insurer’s discretion.

Classic car and bike coverage.

Specialist cover that protects your classic, vintage, prestige car or bike including limited use car club and special events, including hire.

Remove windscreen glass replacement excess.

If you are a frequent country driver this maybe for you. We can reduce or remove any excess on on repairing or replacing your damaged windscreen.

Frequently asked questions about Residential Strata Insurance

These include contents owned by the Body Corporate/Owners Corporation such as carpets within hallways and lobbies, pot plants, mirrors and other adornments within common areas.

Also included are washing machines and dryers owned by the body corporate or owners corporation and used by all unit owners and housed in common laundries.

The cover provided by the Strata Building policy ends when any property is owned by the individual lot owner e.g. carpets and blinds within the unit/lot.

In general, strata insurance costs the same or less for each unit owner.

Each strata insurer develops and offers a unique commercial product in accordance with its underwriting appetite. Some common factors contributing to the premium include:

  • Government taxes on insurance (stamp duty and GST)
  • The age and condition of the building
  • The replacement cost of the building
  • The risk profile of the location
  • The claims history of the strata complex
  • The vulnerability of the insured property to an insured event (age, building codes, building design and materials)
  • Commercial activities carried out on the premises, such as holiday letting
  • Fee and commissions from agents
  • The level of excess payment selected by the body corporate, payable at the time of a claim
  • The costs of maintaining common property, for example car parks, stairwells, fire protection systems, lifts and pools
Accordingly, we recommend that you always insure for a minimum of $20,000,000 liability. If you are still unsure and would like to discuss Public Liability limits for your Strata entity, please CONTACT US to ask for advice specific to your situation.