Australia's Insurance Price Beaters

We Beat
Any Insurance
Premium.

Show us your current policy. We shop every insurer in the market and guarantee to find you cheaper cover — or we'll tell you straight why you're already getting the best deal.

No obligation · No hidden fees · We work for you, not the insurer
Recent savings for clients ↓
Business Liability · SME
$4,200
$2,890
SAVE $1,310
Car Insurance · Comprehensive
$1,840
$1,190
SAVE $650
Truck Insurance · Owner-driver
$6,100
$4,350
SAVE $1,750
Prof. Indemnity · Consultant
$3,200
$2,100
SAVE $1,100
12+
Products Brokered
AFSL
327131 Licensed
$0
Cost to Compare

Three Steps to a Cheaper Premium

We do the shopping. You just tell us what you've got and what you need.

1

Tell Us Your Current Cover

Share your existing policy or describe what you need. The more detail, the better the comparison.

2

We Shop Every Insurer

Your broker accesses wholesale rates and markets that direct customers simply can't reach. We compare — you don't.

3

We Beat It or Tell You Why

We come back with a better price, or we tell you honestly that you're already on the best deal. Either way, you win.

4

We Handle Everything

Switch is seamless. Your broker manages the paperwork, cancellation, and ensures zero gap in cover.

Every Type of Cover. Better Price.

Personal, business, commercial — we broker across every major category and access insurers you can't reach directly.

💼

Business Insurance

We assess your business and negotiate across insurers to find cover that fits your actual risk — not a generic package.

  • General liability insurance
  • Business interruption cover
  • Employee insurance policies
Get a Better Quote →
🏪

Retail Insurance

Protect your store, stock, and livelihood. We find retail packages that cover what matters without the fluff.

  • Liability — customer injury & legal costs
  • Commercial property & stock
  • Business income if you can't trade
Get a Better Quote →
⚖️

Public & Product Liability

Third-party injury, property damage, and product harm claims can be ruinous. We find you solid cover for less.

  • Public liability — injury at your premises
  • Product liability — harm from your products
  • Legal defence costs included
Get a Better Quote →
📋

Professional Indemnity

Required for most licensed professionals. We find the minimum required cover at the lowest market rate.

  • Negligent advice or errors claims
  • Legal defence & compensation costs
  • Tailored to your profession & turnover
Get a Better Quote →
🚚

Truck Insurance

Specialist commercial truck rates that most brokers don't access. Covers all vehicle types and cargo categories.

  • Motor coverage — loss, damage, theft
  • Roadside assistance 24/7
  • Downtime payments while off-road
  • Goods in transit & work tools
Get a Better Quote →
🏗️

Construction Insurance

From contract works to site liability — we find builders and contractors the right package at a competitive price.

  • Contract works — material damage during build
  • Public & product liability on-site
  • Plant, equipment & machinery cover
Get a Better Quote →
🏠

Buyers Agent Insurance

Your tools, vehicle, and professional advice all carry risk. We wrap it into one competitive policy.

  • Business vehicle — viewings & inspections
  • Devices, laptops & tools of trade
  • Professional indemnity for advice given
Get a Better Quote →
🏆

Sports Club Insurance

Licensed sports clubs need specific cover. We find the right package protecting members, volunteers, and your venue.

  • Member & volunteer personal accident
  • Public & product liability
  • Liquor liability for licensed venues
Get a Better Quote →
🏥

Medical Centre Insurance

GPs and medical centres need multiple policies bundled correctly. We manage the full suite and find you savings.

  • Medical malpractice / professional indemnity
  • Public liability for patients on premises
  • Cyber liability — patient record breaches
Get a Better Quote →
🔧

Truck Repairer Insurance

Workshop and mobile truck repairers face unique risks. We find the specialist cover at rates general brokers miss.

  • Bailee liability — customer vehicles in your care
  • Tools & equipment cover
  • Premises & public liability
Get a Better Quote →
PARTNER PRODUCT

Need Vehicle Warranty or Roadside Assistance?

MyDriveShield covers your car against mechanical breakdown. Backed by Integrity Car Care. Get a quote in 2 minutes.

Visit MyDriveShield →

Got a renewal notice? Send it to us.

We'll come back with a better price or tell you honestly that you're already on the best deal in the market. Either way, you spend 2 minutes and lose nothing.

Challenge Us Now →
No obligation. Free comparison. We work for you, not the insurer.

What You Can't Get From an Insurer

When you go direct to an insurer, you get one quote from one company. When you come to us, we access the entire market on your behalf.

🌐

Wholesale Market Access

We access rates and insurers that aren't available to the public. You simply can't get these prices going direct.

⚔️

We Negotiate For You

Insurers compete for your business when a broker is involved. That competition drives your premium down.

🎯

Right Cover, Not Oversold

Insurers are incentivised to sell you more. We're incentivised to find you exactly what you need — nothing more.

📞

We Handle Claims For You

When you need to claim, we manage the entire process. No call centres, no being left on hold — your broker handles it.

🔄

Annual Renewal Review

We check the market at every renewal. If someone is cheaper, we move you. If not, we tell you. You never overpay.

📄

AFSL Licensed Advice

We're Authorised Representatives under AFSL 327131. Our advice is regulated, documented, and in your best interest.

Common Questions

In most cases, yes — because we access wholesale rates and markets the public can't reach. Where we can't beat the price, we'll tell you honestly and explain why. You never pay us anything to find out.
We earn a commission from the insurer when you take out a policy through us. This doesn't increase your premium — in fact it often decreases it because we negotiate volume rates. We're transparent about commissions before you commit.
No. We manage the transition so your new policy starts the moment your old one ends. We handle the cancellation and confirm the changeover — zero gap, zero stress.
Comparison sites only show insurers who pay to be listed — usually 4–6 options. We access the entire wholesale market including Lloyd's of London syndicates and specialist underwriters that never appear on comparison sites. We also negotiate, whereas a website just displays prices.
Asset finance covers funding for vehicles, equipment, and business assets — things like chattel mortgages, finance leases, and commercial vehicle loans. We broker across multiple lenders to find the lowest rate. Note: credit products are subject to separate regulatory requirements.
Yes. Beat My Premium operates as a trading name of Layden Insurance, which is an Authorised Representative of United Insurance Group Pty Ltd (AFSL 327131). All advice is regulated under the Corporations Act 2001.
Standard products like car and business insurance can often be bound same-day. Complex or specialty risks (construction, medical) may take 1–3 business days while we approach specialist markets. We'll always give you a realistic timeline upfront.

Send Us Your Current Policy. We'll Beat It.

Fill in your details and tell us what you're currently paying. A broker will be in touch within one business day with a better quote — or an honest answer if you can't do better.

📞
Phone
📍
Address
Level 20, 15 Castlereagh St, Sydney NSW 2000

Challenge Us to Beat It

Free · No obligation · Reply within 1 business day
Something went wrong. Please call us on 0477 666 500.
🏆

Challenge Accepted!

A broker will review your details and come back with a better quote — or an honest answer — within one business day. For urgent cover call 0477 666 500.