insure4less is about developing exclusive insurance products that can be bought easily and cheaply online. Our goal is to keep our prices as low as possible without compromising on the cover, insurer security or customer service.
Insure4less is brought to you by Chase Underwriting Solutions Pty Ltd (AFS License No. 454344), one of Australia’s leading insurance specialists. Chase Underwriting Solutions Pty Ltd is authorised by ASIC to issue, deal in and provide general advice on general insurance products. Chase Underwriting Solutions Pty Ltd issues certificates under a binding authority granted by Lloyd’s.
Chase Underwriting Solutions Pty Ltd, is a part of The Envest Group which is one of the largest privately owned Insurance distribution groups in Australia and New Zealand. The Envest Group through its subsidiary businesses offer insurance solutions via direct, intermediated and wholesale channels, with a focus on providing trusted service and advice to our clients. Envest is the Australasian platform of the Ardonagh Group, a global insurance distribution platform based in the United Kingdom.
Keeping Prices as Low as Possible
How do we get such great prices?
- We exclude bad risks which end up costing you money. For example, we have a maximum age of 65 years on our travel insurance plans. We don’t want you subsidising the claims of those over 65 and thus paying a higher price for your insurance.
- We’ve invested heavily in producing a quick and easy to use website where you can get a quote or buy a policy at any time day or night. This helps reduce our overheads dramatically. We pass this saving on through a combination of a lower base price and an online discount.
Keeping the Customer Satisfied
We’re very proud of the high levels of service we consistently achieve.
- Here’s just a example of the many thank you notes we receive….
I received the compensation cheque today in the mail and would just like to thank you for how efficiently and quickly it was dealt with. I will have no hesitation in purchasing travel insurance through your company for future trips. Kind regards, Ryan
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Take a look at what our customers say.
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All valid, fully documented claims are guaranteed to be paid within 10 business days.
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We don’t charge any administration fees for making changes or amendments to a policy.
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We guarantee to respond to all email enquires within 2 business days but normally reply within a few hours.
- All phone calls will be answered by a human being and always in Australia.
Giving You Complete Peace of Mind
- insure4less provides insurance policies underwritten by some of the Berkshire Hathaway Speciality Insurance to give complete peace of mind.
- insure4less holds an Australian Financial Services Licence. The licence is required under the Corporations Act, to be held by underwriting agencies that provide financial services. This licence allows insure4less to provide general advice to retail and wholesale general insurance clients and to deal in general insurance products. Our Australian Financial Services Licence is No 241055. Check us out on ASIC’s website.
- Your credit card details are safe – insure4less uses industry standard 128 bit SSL to encrypt data transferred between your browser and our server. We accept American Express, Visa and Mastercard.
- insure4less complies with the General Insurance Code of Practice, which sets out standards in areas such as buying insurance, claims handling, responding to catastrophes and disasters, information and education and dispute resolution.
- insure4less is an Australian Company and not owned by a foreign parent.
- All insure4less insurance policies are supported by a 15 day money back guarantee.
Looking After the Environment
We don’t pretend to be “holier than thou” when it comes to environmental matters. However, we believe our approach to business is better for the environment compared to most other insurance companies.
- All meetings and discussions with suppliers such as our Insurers are carried out by video-conference or telephone avoiding the damage caused by carbon dioxide emissions through flying to meetings.
- We don’t print sales brochures in their thousands only for them to go out of date and end up being thrown away. Instead everything is updated on the website avoiding wastage.
- We haven’t designed large colourful product disclosure statements that use a ream of paper and a cartridge of ink to print out. For example, our travel product disclosure statement is the smallest in the market with just 12 pages.
- We don’t automatically post certificates and policy wordings in the post – thus reducing the effect on the environment by not using envelopes or posties fuel.