Frequently Asked Questions

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.

Click the ‘Login’ button below.

Enter your email address and password and click ‘Next’.

1. Log in 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 ‘my policies’ from the menu on the left-hand side of the screen.
3. Click ‘Payment schedule’ under the ‘Actions’ tab and an updated payment schedule will open on a new page. 

1. Log in 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. Log in 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 ‘Save’.

1. Log in to your customer account.
2. Click ‘my policies’ from the menu on the left-hand side of the screen.
3. 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’.

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 your screen.

It takes roughly ten minutes from beginning to end, 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!

Quotes are valid for 30 days. If your quote has expired, no problem. We can provide you with a new one over the phone.

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.
• QBE Insurance (Australia) Limited
• Point Insurance
• DUAL International, offer policies on behalf of Lloyds of London
• Vero Insurance Ltd (Vero)
• Berkley Insurance Australia
• Chubb Insurance Australia Limited
• Relyon Insurance, jointly underwritten by HDi Global Speciality SE and Chubb Insurance Australia Limited

Yes, you can call our friendly customer support team, and they will be able to assist you. Call them on 1300 920 868.

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

Once payment has been received, 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. Please note that direct debit payments can take up to two business days to clear.

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

You’re in total control of your policies, meaning you can 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 a platform fee for customers who purchase a policy through our service. See our Financial Services Guide (FSG) and Terms and Conditions for further details.

1. Log in to your customer account.
2. Locate the policy you want to change under ‘My policies’ and click ‘renew’.
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’.

Alternatively, call our friendly customer renewals team who can make the necessary amendments to your account and provide you with a new policy price (if applicable) over the phone.

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

1. Card 
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.

3. Direct debit
You can also pay using direct debit. BizCover partners with Ezidebit to securely process transactions from your nominated bank account or credit card. Payments are debited according to your agreement with BizCover, and it’s your responsibility to ensure sufficient funds are available. If a payment fails due to insufficient funds, your bank and Ezidebit may charge fees. Credit card payments will appear under ‘Ezidebit,’ and additional transaction fees may apply.

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 can walk you through this process when the time comes.

We are focused on making life as easy as possible for our customers, 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 at least 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 five business days before your expiry date. If you need to make any changes, that’s not a problem. Just call our team on 1300 549 568 and they will be happy to help.

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

No problem. You can simply reply to your renewal notification email or opt out using your online account. Alternatively, please call us 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 multiple factors. However, there are specific reasons that explain the recent rise in premiums across certain types of business insurance products.

Different factors such as recent natural disasters, interest rates, inflation and supply chain issues can influence the price of your policy.

We take pride in our top-tier security system, which uses SSL encryption, as well as our trusted payment service provider, EziDebit. These industry-leading services ensure that your personal information remains secure from the moment of activation. For more information on how we handle your privacy, please feel free to review 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. They were the first direct debit provider licensed by the Australian Securities and Investment Commision (ASIC) as an Australian Financial Services Licensee (AFSL No. 315388). Ezidebit is fully sponsored by Westpac 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 may occasionally send you marketing material and other special offers which you can opt out of at any time. We would never sell or trade your customer information to third parties.

Yes, you can request to cancel your policy at any time. However, we recommend that you consider this decision carefully.

Depending on the type of policy you have, coverage may be required at the time a claim is made against you, rather than when the work was performed or completed.

There are three ways you can cancel your policy:

1. Self-service: Log into your online account. Select ‘My Policies’. Under the ‘Actions’ tab, select ‘Cancel My Policy’.
2. Phone: Cancel your policy by calling us on 1300 249 268.
3. Email: Email us at cancel@bizcover.com.au and include written confirmation of your wish to cancel your policy. This helps to ensure accuracy on the effective date of cancellation and refund, if any. You can cancel your policy by emailing us at cancel@bizcover.com.au or call us on 1300 249 268. Don’t forget to include your policy number and the date when you’d like cancellation to take place.

Important note for Claims Made policies: While you can cancel the policy at any time, please keep in mind that for Claims Made policies, there will be no cover available after cancellation. To be covered under a Claims Made policy, you must have active cover at the time a claim is made, not when the event leading to the claim occurred.

On the BizCover platform, Claims Made policies/policy sections are: Professional Indemnity; Management Liability; Cyber Liability; Employment Practices Liability; Statutory Liability; Tax Audit; Crime/Fidelity.

Please see our Terms and Conditions for further details in regard to cancelling your policy.

When you submit your request for cancellation of policy, the commission and fees paid to BizCover may not be refunded to you. Your insurer may 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. Please see our Terms and Conditions for further details.

In order to make a claim (or report a circumstance which may lead to a claim) you will need to complete a claims form via our online claims form. Once you have completed the online claims form, we will submit it to your insurer. To assess your claim in line with the policy terms, your insurer will need as much information about the situation as possible.

Insurers typically acknowledge a claim within 3 business days of receiving the new claim and make an initial assessment of your claim within 10 business days of the acknowledgement.

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/verbal demands or any court documents served on you.  When you hold a business insurance pack, a claim will also arise when an insured event occurs causing loss (i.e. a fire or theft).

A notification is an early step taken before formally lodging a claim. It involves informing your insurer about a potential issue, incident, or circumstance that could lead to a claim in the future. This serves as a precautionary measure to ensure your insurer is aware of the situation. In some policies, there are specific clauses that require customers to notify their insurer of potential circumstances, even if a formal claim hasn’t been made yet. If this sounds like it’s happening to you, report it to our claims team by completing the online claims form.

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 services.  If you have a complaint, please let us know, as it gives us an opportunity to address your concerns and improve. 

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 email at customerresolution@bizcover.com.au. 

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