Frequently Asked Questions

Got questions? We have answers! If you can’t find below the answer you’re looking for please give us a call now and let our market-leading customer support team help you with what you need.

Most Frequently Asked Questions

Simply login into your BizCover account and you can view and download a certificate of currency and your policy documents. Alternatively, you can email [email protected]  from the email address we have on file for you with the words “resend my policy documents” and we will email the documents to you instantly.

Simply login to your BizCover account and click ‘amend’ next to the policy you would like to change. You will be able to:

  • Add an interested party
  • Change your address
  • Add cover
  • Increase your cover
  • Update your declaration

Simply login to your BizCover account and click ‘update payment details’ from the menu on the left-hand side of the screen.

If you have an overdue payment, simply click the ‘Retry’ button on one of the email notifications we have sent you.

Making a payment is easy, simply use the ‘retry’ or ‘reschedule’ button in the failed payment email we sent to you.

Customer FAQs

Get access in 3 easy steps
For new and existing customers

1. Click here then enter your email address and click ‘Recover Password’. A Password Recovery email will be sent to your nominated inbox.

2. Click ‘Reset My Password’ within the email and a new window will open.

3. Enter a new password and click ‘Reset’. You will now be redirected to your online account.

  1. Click the ‘Login’ button below.
  2. Enter your email address and password and click ‘Log In’.

  1. Login to your customer account
  2. Locate the policy you want to change under ‘My Policies’ and click ‘Amend’
  3. Review the information on page 1 ‘Insurance Selection’ to ensure it is still correct, then click next.
  4. Review the information on page 2 ‘Business Details’ to ensure it is still correct, then click next.
    Tip: On page 2 you can note your landlord as an interested party or update your business location
  5. On page 3 ‘Your Quote’ click ‘Amend Covers’ from here you can add cover or increase the sum insured, once you are finished reviewing the price, click ‘Add’ then ‘Buy Now’
  6. Review the information on page 4 ‘Get Covered’
    If applicable enter your payment details
    Read and agree to the terms and conditions, then click ‘Buy Now’

Tip: For monthly policies the premium will be effective from your next monthly instalment and for annual policies we will charge you immediately

  1. Log in to your customer account
  2. Click ‘Payment Schedule’ under the ‘Actions’ tab and an updated payment schedule will open on a new page
  1. Login to your customer account
  2. Click ‘Update Payment Details’ from the menu on the left-hand side of the screen
  3. Click the ‘Update’ button
  4. Enter new payment details and click ‘Save’
  1. Login to your customer account
  2. Click ‘Account Details’ from the menu on the left-hand side of the screen
  3. Enter updated details and click ‘Sav
  1. Login to your customer account
  2. Click ‘Certificate’ under the ‘Documents’ tab and your Certificate of Currency will appear in a new tab
  1. Login to your customer account
  2. Click ‘Change Password’ from the menu on the left-hand side of the screen
  3. Update your password and click ‘Save’

COVID-19 and Insurance

For information in regards to COVID-19 and insurance, including COVID-19 related Business Interruption claims, please click on this link https://www.insurancecouncil.com.au/issues-submissions/covid-19 which will take you to the website of the Insurance Council of Australia. You may also want to check your insurer’s website.

If you have purchased sickness/illness cover as part of your personal accident insurance you may be able to claim if you are diagnosed with COVID-19 and that diagnosis results in you being unable to work. Your cover will need to have been in place before you contracted the disease.  However, you should be aware that as with all insurance, each claim will depend on its own circumstances and ultimately it is up to the insurer to decide whether a claim is covered under the policy or not. You should carefully check the policy wording for further information.

Each claim will depend on its own circumstances and ultimately it will be up to the insurer to decide whether a claim is covered under the policy or not.  Having said that, in our experience, it would not be usual for a standard policy wording to respond to such a loss.  If you do experience deterioration of stock due to COVID-19, please let us know and we will lodge a claim on your behalf meaning your insurer will look at how the facts marry up with the policy wording.

Payment Options

We understand that cash flow can sometimes be a problem for small businesses so we provide different payment methods to suit your business:

For a small fee of 1% (which covers bank charges etc), you can pay the total policy fee on your choice of card, we accept VISA, MasterCard and AMEX.

2.Monthly instalments
We can also organise for you to pay in monthly instalments, for an additional administration fee of $8.80 (incl GST) per month. Speak to one of our sales team to find out more or click here to read the terms and conditions for monthly payments.

No. All BizCover policies can be purchased up to 30 days in advance. This means you can get organised now and avoid the hassle later on.

Absolutely. You can make changes to your policy online or by contacting our friendly customer support team. If there is any additional premium payable we can also arrange payment.

Getting a Quote

All it takes is a few easy steps. Click “Get Instant Quotes” and answer a few simple questions about your business and yourself.. From there we will do the rest, providing you with instant quotes right on screen. Simple, huh?

From beginning to end? Roughly ten minutes, and that’s including us emailing your policy documents directly to you. If you don’t meet the criteria necessary for instant quotes, you can still expect contact from one of our friendly team within 24 hours to assist you.

Yes, simply call 1300 920 875. BizCover is all about choices, meaning you can obtain quotes and pay directly over the phone, or use our handy online service. It’s all about you! Either way, our customer support team is just that, at your service!

Quotes are valid for 30 days.   If your quote has expired, we can provide you with a new one.

We’re proud to work with some of Australia’s leading insurers. Currently insurers providing instant online quotes are:

  • AIG, a member company of American International Group, Inc.
  • Hollard (RelyOn Insurance)
  • QBE Insurance (Australia) Limited
  • Point Insurance
  • DUAL International, offer policies on behalf of Lloyds of London
  • Vero Insurance Ltd (Vero)
  • W.R.Berkely (Australia) Limited

Policy Information

To access quotes we have provided, you can login from our homepage, with the username and password you created first time around.  If you’re having trouble, simply call 1300 920 868 and provide your email address.

Once payment has been provided, you will receive an email with your policy documents and a certificate of currency, which will also be available to view on our website.

An email with these documents will be sent to you immediately upon credit card payment.  If you chose another payment method, these documents will be sent once payment is processed.

To access your policy online, you can login from our homepage, with the username and password you created first time around

You’re in the driver’s seat meaning you have the ability to make amendments during the policy period. Simply use your username and password to login on our website or call 1300 920 868 and we’ll do the rest.

We receive a commission from the insurers from the premium payable when your policy is issued. We also charge customers who purchase a policy through our service a platform fee. See Our Terms and Conditions for further details.

Policy Renewals

No problems. The best approach is to call our friendly customer support team who can make the necessary amendments to your account and provide you with a new policy price (if applicable) over the phone. Or you can go online and update your details and you’ll receive new quotes based on your new information.

If you pay to renew your policy before the policy period ends, you won’t be short changed! Your cover will be continuous, and the renewed policy will not commence until the previous policy period had ended. You will get the full policy period for which you have paid.

We understand that cashflow can sometimes be a problem for small businesses, so we provide different payment methods to suit your business:

  • Credit Card

    Pay the total policy fee upfront on your choice of card, we accept VISA, MasterCard and AMEX (extra 1.75%).


  • Monthly instalments

    We can also organise for you to pay in monthly instalments. We will charge you an instalment administration fee of $8 plus GST per month. Speak to one of our sales team to find out more.

We realise that you would prefer to be focussing on running your business, so we’ve tried to make our renewals process as simple as possible. Most of our customers qualify for auto renewal, which means we will send you an email no less than 21 days before your policy is due to expire. If nothing has changed your policy can be automatically renewed. No fuss!

If you don’t qualify for auto renewal or need to amend information contained in your previous declaration, there’s no need to worry, we will step you through this process when the time comes.

We are focused on making life as easy for our customers as possible, including cutting out unnecessary work. Auto renewals mean we can do all the work and renew the policy so that customers can relax knowing that their cover is continuous.

If you don’t want your policy to automatically renew, just let us know.

The process is simple. We will send you an email 21 days before your policy is due to expire with your renewal details, including renewal amount and the last four digits of the credit card used to take the payment.

If your details are all still correct and there are no changes to the declarations you previously made, then there is nothing else for you to do. We will charge your card three business days before your expiry date. If you need to make any changes that’s not a problem, just call one of our team on 1300 549 568 and they will be happy to help.

We’ll try to take the payment using the same credit or debit card that you used last year. If your card details have changed just give us a call and we will update them.

That’s not a problem at all. Please give us a call on 1300 549 568 and we will sort this out for you.

Just give us a call on 1300 549 568 within days of your renewal and we will make arrangements to refund your premium in full (to ensure there are no misunderstandings, we will send an email to you asking you to email us back confirming your intention to cancel the policy).

Insurance premiums fluctuate in price because of a number of complex and interconnected factors. However, there are specific reasons that explain the recent rise in premiums across certain types of business insurance products.

Different factors such as the recent natural disasters, interest rates, inflation, supply chain issues and the COVID-19 pandemic can influence the price of your policy. For a more detailed answer about why insurance premiums are on the rise, click here

Privacy & Security

We take pride in our top-notch security system, which utilises encrypting via SSL, and in our payments service provider EziDebit. These world-class services mean your details will be secure from activation onwards. You can always read more about how we deal with privacy by reading our privacy policy

Ezidebit is one of Australia’s largest non-bank electronic payment processors. Ezidebit is Level 1 Payment Card Industry (PCI) compliant and is a participating member of the PCI Security Standard Ezidebit is licensed by the Australian Securities and Investment Commission (ASIC) as an Australian Financial Services Licensee (no. 315388). They are fully sponsored byWestpac and are audited by ASIC annually. “Ezidebit – BizCover” will appear as the merchant for all payments from your credit card.

Because our service is all about finding great insurance for you, we require some personal information to obtain those tailored quotes. You can trust that your information is safe with us and will be used in accordance with our privacy policy.
We would never sell or trade our customer information, we value you much too highly for that! We may occasionally send you marketing material and other special offers which you can opt out of at any time.

Cancellation Information

Yes, you can cancel your policy at any time although you should think carefully before you do. Depending on the type of policy you hold it may be that you need a policy at the time the claim is made against you (not when the actual work was done).

Because we can’t predict when or if these claims will happen it’s a good idea to always have cover. Most retirees even have cover long after the work is done! If you have to cancel your policy we do require written notice. Cancellations can be done by emailing us at [email protected] or by calling us, after which we will send you an email requiring a confirmatory response. Don’t forget to include your policy number and the date when you’d like cancellation to take place.

When you submit your written cancellation notice, the commission and fees paid to BizCover will not be refunded to you. Your insurer will also retain a proportion of the premium, calculated pro rata as at the cancellation date (to cover the period in which the insurer has been on risk). There may also be associated fees, charges and minimum amounts otherwise payable. You should consider your individual policy wording.

Making A Claim

We will assist you with the claims process.  Your insurer will need as much information about your claim as possible to assess your claim in accordance with your policy terms.  Insurers will typically make an initial assessment of your claim within 10 days.

However, urgent claims can be assessed in a shorter timeframe. More information on the claims process is available here.

In order to make a claim (or report a circumstance which may lead to a claim) you will need to complete a claims form – please click here to download.

Once completed please send it by email to: [email protected] and we’ll manage the process directly with your insurer.

Let’s first go over the correct terminology. A claim is generally defined as another party making a threat or demand against you which seeks compensation for negligence or your alleged wrongful actions. It will include written demands, any court documents served on .  When you hold a business insurance pack, a claim will also arise when an insured event occurs causing loss (ie a fire or theft).

A circumstance generally occurs before a formal claim is made, where a reasonable person in your position would know that a claim may arise in the future due to a specific event, act or omission having occurred. If this sounds like it’s happening to you, report it ASAP by completing a claim form and sending it by email to: [email protected]

Making A Complaint

Here at BizCover, we welcome and value customer feedback. While we hope it never happens, we want you to tell us if you are dissatisfied with our products or service.  If you have a complaint please let us know, as it gives us an opportunity to address your concerns and improve.

Our complaints and disputes resolution service is available to you free of charge.

If you have a complaint, please contact our Customer Resolution Officer as soon as possible so that we may attempt to address your concerns. The Customer Resolution officer may be contacted by telephone on 1300 920 868 or email [email protected]

For further information on our complaint process as well as on external resolution options, see our Resolving Customer’s Complaint and Disputes Brochure.

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