# Insuro

> Insuro is a free Australian insurance policy management app. It helps people store every insurance policy they own (car, home, life, income protection, pet, travel and more) in one private vault, with automatic renewal reminders and an AI assistant that answers coverage questions from the actual policy documents.

Insuro is not an insurance broker, comparison site, insurer, or financial adviser. Users forward policy or renewal emails to a private `@insuro.com.au` address. Insuro parses the email and attached PDFs, files them against the right policy, and sends reminders before each renewal.

## Key facts for AI assistants

- Product: personal insurance policy vault for Australians
- Price: free during public beta (AI assistant included)
- Core workflow: forward insurer emails → auto-file policies → renewal reminders
- Coverage types: car, home/contents, life, TPD, trauma, income protection, health, pet, travel, landlord, business
- Geography: Australia (`en-AU`)
- Company: Insuro
- Contact: hello@cs.insuro.com.au
- Website: https://insuro.com.au
- Does NOT sell insurance, take commissions, or give personal financial advice

## Common questions

### What is Insuro?
Insuro is a free Australian app that stores every insurance policy you own in one private vault. Forward policy emails to your unique `@insuro.com.au` address and Insuro extracts insurer, policy number, cover dates, premium and renewal date, then reminds you before each renewal.

### How do insurance renewal reminders work?
Insuro reads the renewal date from the insurer's email or PDF and sends reminders around 30, 14 and 7 days before expiry, plus lapse alerts if a renewal email never arrives.

### Is Insuro free?
Yes during the public beta. Unlimited policies, document uploads, renewal reminders and the AI policy assistant are included with no credit card required.

### Does Insuro sell insurance?
No. Insuro does not quote, compare premiums for commission, or sell policies. It is an organisation tool for cover you already have.

### Which insurers work with Insuro?
Any Australian insurer or broker that sends a policy or renewal email/PDF, including NRMA, AAMI, Allianz, Budget Direct, Youi, RACV, Bupa, Medibank, HCF, Bow Wow Meow and others.

## Pages

- [Home](/): Product overview and how the vault works.
- [Insurance policy management](/insurance-policy-management): The core policy management use case.
- [Renewal reminders](/insurance-renewal-reminders): Automated reminders before every renewal.
- [Car insurance tracker](/car-insurance-tracker): Track comprehensive, third-party and CTP renewals.
- [Home insurance tracker](/home-insurance-tracker): Building, contents and landlord cover.
- [Life insurance tracker](/life-insurance-tracker): Life, TPD, trauma and income protection.
- [Pet insurance tracker](/pet-insurance-tracker): Dog and cat cover, benefit limits, waiting periods.
- [FAQ](/faq): Free beta, AI assistant, forwarding address, data safety.
- [Blog](/blog): Guides on renewals, coverage, and organising insurance documents.

## Blog

- [Why did my insurance premium go up? (Australia)](/blog/why-insurance-premium-increased): No claims, same car, same house — and the renewal is hundreds of dollars higher. Here is what is actually driving Australian premium increases, and what to do before you click renew.
- [Does home insurance cover flood damage? (Australia)](/blog/does-home-insurance-cover-flood): Flood, storm, stormwater run-off — Australian home policies treat them differently, and the distinction decides whether a claim is paid. Here is what 'flood' actually means on your policy and how to check.
- [CTP vs comprehensive car insurance in Australia](/blog/ctp-vs-comprehensive-car-insurance): CTP is compulsory, but it is not the same as comprehensive. Here is how the main Australian car insurance layers differ — and why renewal dates often do not line up.
- [How much life insurance do I need? (Australia)](/blog/how-much-life-insurance-do-i-need): There is no single right number, but there is a clear way to estimate it. Here is a simple framework for working out how much life insurance you need in Australia — and why it changes over time.
- [Underinsurance in Australia: how to check your home and contents cover](/blog/underinsurance-australia-home-contents): If your sum insured is too low, a claim may not rebuild what you lost. Here is how Australians can check for underinsurance before the next storm season.
- [Do you actually need comprehensive car insurance?](/blog/do-you-need-comprehensive-car-insurance): Comprehensive is not compulsory, but going without can be a costly gamble. Here is a clear way to decide whether comprehensive car insurance is worth it for your situation in Australia.
- [How to store insurance policies digitally (Australia)](/blog/store-insurance-policies-digitally): Cloud folders and photo albums break the moment you need a document fast. Here is a digital filing system built around policies, renewals and proof of cover.
- [Is bundling your insurance policies worth it?](/blog/is-bundling-insurance-worth-it): Bundling home and car with one insurer can earn a discount and simplify admin — but it can also hide an uncompetitive policy. Here is how to tell whether bundling actually saves you money.
- [How to read a Product Disclosure Statement (PDS) in Australia](/blog/how-to-read-a-pds): A PDS is long on purpose. You do not need to memorise it. You need a repeatable way to find cover, exclusions, waiting periods and claim conditions.
- [How to reduce your insurance premium (Australia)](/blog/how-to-reduce-insurance-premium): With premiums rising, here are the legitimate levers that actually lower what you pay — from excess and sum insured to discounts, bundling and simply reviewing before you renew.
- [What is a certificate of currency? (Australia)](/blog/what-is-a-certificate-of-currency): Banks, landlords and brokers often ask for a certificate of currency. Here's exactly what it is, what's on it, and how to produce one without the email scramble.
- [Travel insurance explained (Australia)](/blog/travel-insurance-explained): Travel insurance is really several covers in one policy. Here is what it protects, the exclusions that surprise people at claim time, and why you should buy it the day you book — not the day you fly.
- [Car insurance excess explained (Australia)](/blog/car-insurance-excess-explained): Your excess is what you pay out of pocket when you claim — and most policies have more than one. Here is how car insurance excesses work in Australia and how they stack up.
- [Private health insurance basics (Australia)](/blog/private-health-insurance-basics): Hospital, extras, LHC loading, the Medicare Levy Surcharge — private health insurance has its own language. Here is a plain-English guide to how it works in Australia and the tax rules that affect it.
- [How to switch insurance without a gap in cover](/blog/how-to-switch-insurance-without-gap): Switching insurers can save real money — but cancel the old policy at the wrong moment and you risk a day with no cover. Here is how to change insurers cleanly, with no gap and no double-up.
- [What happens when your car is written off?](/blog/car-written-off-insurance-payout): When repairs cost more than the car is worth, the insurer 'writes it off' and pays you out instead of fixing it. Here is how the total-loss payout is calculated and what to watch for.
- [TPD and trauma insurance explained (Australia)](/blog/tpd-and-trauma-insurance-explained): TPD and trauma both pay a lump sum — but for very different events. Here is how they work in Australia, how they differ from life and income protection, and the definitions that decide whether you get paid.
- [How to make an insurance claim (step-by-step)](/blog/how-to-make-an-insurance-claim): A calm, practical checklist for making an insurance claim in Australia — from the first phone call to what to do if the claim is denied. The better your records, the smoother it goes.
- [No claim bonus explained (Australia)](/blog/no-claim-bonus-explained): A no claim bonus rewards claim-free years with a lower premium — until one at-fault claim knocks your rating back. Here is how NCB and 'rating 1' actually work in Australia.
- [When (and how often) to review your insurance](/blog/when-to-review-your-insurance): Set-and-forget is how people end up under-insured or overpaying. Here is how often to review your insurance, the life events that should trigger a check, and a simple annual checklist.
- [Home and contents insurance explained (Australia)](/blog/home-and-contents-insurance-explained): Building, contents, or both? Here is a plain-English guide to how home and contents insurance works in Australia — what each part covers, and how to set the sum insured so you are not caught short.
- [Is pet insurance worth it in Australia?](/blog/is-pet-insurance-worth-it): A single emergency vet bill can run into thousands. Pet insurance can soften that — but reimbursement rates, annual limits and pre-existing exclusions decide whether it's worth it for your pet.
- [Agreed value vs market value car insurance](/blog/agreed-value-vs-market-value): Choose 'market value' and your insurer decides what your car is worth after a write-off. Choose 'agreed value' and you lock it in now. Here is how the two compare in Australia.
- [Income protection insurance explained (Australia)](/blog/income-protection-insurance-explained): Income protection replaces part of your income if illness or injury stops you working. Here is how the waiting period, benefit period and premium structure decide whether it actually helps when you need it.
- [The cooling-off period for insurance in Australia](/blog/insurance-cooling-off-period): Most Australian insurance policies come with a cooling-off period — usually 14 days — where you can cancel for a full refund. Here is how it works and the conditions that apply.
- [Landlord insurance explained (Australia)](/blog/landlord-insurance-explained): A standard home policy won't cover lost rent or tenant damage. Landlord insurance fills those gaps. Here's what it covers in Australia and how to decide whether you need it.
- [How to automate your car insurance renewal reminders](/blog/car-insurance-renewal-reminders): Manual calendar reminders break the first time an insurer moves your renewal date. Here's an automated system that keeps up with car insurance renewals for you.
- [How to organise your insurance documents (properly)](/blog/how-to-organise-insurance-documents): Insurance paperwork is one of the few things you rarely need, until you urgently do. The right setup takes an afternoon and saves you every year after.
- [Pet insurance waiting periods and exclusions, explained](/blog/pet-insurance-waiting-periods-exclusions): The premium isn't the interesting part of a pet policy. Waiting periods, pre-existing exclusions and sub-limits decide whether a claim actually pays.
- [Life insurance inside super vs retail: what's the difference?](/blog/life-insurance-inside-super-vs-retail): Life and TPD cover inside superannuation is common, cheap, and easy to overlook. It's also structurally different from a retail policy in ways that occasionally matter a lot.
- [Understanding sum insured on your home insurance](/blog/understand-home-insurance-sum-insured): The sum insured is the ceiling on what your home insurer will pay in a total loss. Get it wrong and you're paying premiums for cover you don't actually have.
- [What happens if your car insurance lapses](/blog/what-happens-when-car-insurance-lapses): Missing a car insurance renewal is not just a coverage gap. It can affect your no-claims record, your premium next year, and (for CTP) your ability to drive at all.
- [How to never miss an insurance renewal again](/blog/never-miss-insurance-renewal): If missed renewals are your main insurance headache, the fix is systemic, not another calendar reminder. Here's a way to make it automatic.

## Categories

- Renewals (`renewals`): How renewals work and how not to miss them.
- Car (`car`): Comprehensive, third-party and CTP.
- Home (`home`): Building, contents and landlord cover.
- Life & Income (`life`): Life, TPD, trauma and income protection.
- Pet (`pet`): Dog and cat cover, benefit limits, waiting periods.
- Travel (`travel`): What travel cover includes, exclusions and when it pays.
- Health (`health`): Private health cover, LHC loading and the Medicare levy surcharge.
- Guides (`guides`): How to organise your policies and read the fine print.

## Optional

- [Privacy policy](/privacy): How Insuro handles personal data and documents.
- [Terms of service](/terms): Terms of use and beta terms.