Frequently Asked Questions

Everything you need to know about working with HC Insurance.

What is an insurance broker and how is HC Insurance different from an insurer?

An insurance broker acts on your behalf to find and arrange the most suitable insurance coverage from a range of insurers. Unlike an insurer who sells their own products, HC Insurance has a legal obligation to act in your best interests. We compare products from multiple insurers and provide independent advice.

Is HC Insurance licensed?

Yes. HC Insurance Pty Ltd (ABN 48 646 832 868) is a Corporate Authorised Representative (No. 01285027) of Metrix Connect Pty Ltd (ABN 55 742 327 931 | AFSL 525491). We are also a proud member of the Steadfast Group — Australia’s largest insurance broker network.

Where is HC Insurance based?

We are based in Bass Hill, NSW (PO Box 7116, Bass Hill NSW 2197) and serve clients across Australia via phone, email, and video.

What does it cost to use HC Insurance?

Our remuneration typically comes in the form of commission paid by the insurer when we place your policy, or an agreed broking fee. We will always disclose how we are remunerated before you proceed — this is a legal requirement.

How do I know if I have the right amount of cover?

Underinsurance is a widespread problem in Australia. We review your assets, replacement values, and risk exposures carefully to recommend an appropriate sum insured, and we review your cover annually to keep it up to date.

Can I pay my premium in monthly instalments?

Yes — many insurers offer monthly instalment options, and we can also arrange insurance premium funding through our Steadfast network connections to help with cash flow management.

Does my business insurance cover me for working from home?

Not automatically. Standard home and contents policies typically exclude business activities above a low threshold. If you work from home, speak with us about ensuring your home office equipment, business liability, and professional activities are properly covered.

What do I do if I need to make a claim?

Contact us as soon as possible on 0412 318 757 or at info@hcinsurance.com.au. Do not contact the insurer directly — let us manage the process from the start.

What if I’m unhappy with a claims outcome?

We will advocate on your behalf with the insurer. If unresolved, you have the right to lodge a complaint with AFCA at www.afca.org.au or on 1800 931 678.

Still Have Questions?

We’re happy to answer any questions — no obligation, no jargon, just straight answers.