About Honest Insurance

The problem with insurance comparison

Most Australian insurance comparison sites have a conflict of interest baked into their business model: they earn more when you buy more expensive policies, they only list providers who pay the highest referral fee, and they use pop-ups, fake countdown timers, and "You're almost done!" pressure tactics as standard practice.

We were frustrated by it. So we built something different.

What we do differently

We rank policies by breadth of cover— how many features the product’s own documentation lists — not by who pays us the most. We show you what a policy actually covers in plain English, explain the jargon, and give you the tools to make an informed decision without someone trying to rush you through a funnel.

Our Quote Estimator shows the price range comparable policies sit in before you click anything. Our AI assistant answers plain-English questions about any category. Our blog explains concepts like LHC loading, MLS thresholds, and PDS documents the way a knowledgeable friend would.

How we make money

Our primary revenue model is a disclosed referral fee from an approved insurer or affiliate network when you click through from a policy card. A card is marked as a commercial relationship only after that program and its real tracking link are approved. Unmarked links go straight to the insurer and earn us nothing.

Referral fees do not influence which policies appear, their order, or how we rate them. We do not sell comparison-table positions, run display advertising, or sell personal information. Providers are included according to the documented scope and data available, not because they pay us.

Where we later offer an optional referral to a licensed partner, we name that partner and ask for your specific consent before sending an enquiry. You can always choose to contact an insurer directly instead.

Who we are

Honest Insurance is an Australian-built comparison and education platform. We are not a financial adviser, insurer, or broker. All content on this site is general advice only — it does not take your personal financial situation into account. Always read the Product Disclosure Statement (PDS) before purchasing any insurance product.

Compliance

Like any Australian business, we are bound by the Australian Consumer Law — every claim we make has to be accurate and substantiated, which is why our methodology sets out where each figure comes from.

We want to be precise about two things we are not. The General Insurance Code of Practice is a code for subscribing general insurers; Honest Insurance is not an insurer and is not a subscriber to it. ASIC’s Design and Distribution Obligations attach to product issuers and distributors engaging in regulated retail distribution conduct — we publish comparisons and refer people to insurers, and we do not hold an Australian Financial Services Licence. Where our obligations under those regimes are not settled, we would rather say so than claim a compliance posture we have not had confirmed.

If you have a complaint about an insurer, the Australian Financial Complaints Authority (AFCA) handles disputes free of charge.